The Last Year Before Retirement: 5 Steps Every Federal Employee Must Follow

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📘 Federal Retirement Resources:

Get the digital guidebook to retirement as a federal employee here: 
https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/

Checklist Challenge: 
https://cdfinancial.org/checklist-challenge/

OPM Retirement Center:
https://www.opm.gov/retirement-center/

FERS Information:
https://www.opm.gov/retirement-center/fers-information/

FEHB & Medicare:
https://www.opm.gov/healthcare-insurance/medicare/annuitant/

Survivor Benefits:
https://www.opm.gov/retirement-center/survivor-benefits/

Thrift Savings Plan (TSP):
https://www.tsp.gov/

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🚨 Federal Employees: Your Last Year Before Retirement Could Cost You Thousands If You Miss These Steps

If you are within 12 months of federal retirement, this is NOT the time to “wing it.” The final year before leaving government service can directly impact your FERS pension, FEHB coverage, Medicare decisions, survivor benefits, sick leave credit, and long-term retirement income.

In this video, we break down the 5 most important federal retirement decisions every FERS employee should review BEFORE submitting retirement paperwork — including mistakes that are difficult or impossible to reverse later.

Whether you are trying to maximize your pension, choose the best retirement date, understand Medicare Part B, or protect your spouse with survivor benefits, this episode walks through the key planning areas federal employees often overlook.

✅ In This Video You’ll Learn:
• How unused sick leave affects your FERS pension
• The truth about the High-3 calculation and FERS 1.1% multiplier
• How to choose the best federal retirement date
• FEHB + Medicare Part B strategies for retirees
• Survivor benefit elections and spouse considerations
• A 5-step federal retirement checklist before leaving service
• What many retirees experience during the first 90 days of retirement

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TIMESTAMPS
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0:00 Biggest mistakes in the last year before retirement
1:23 FERS sick leave credit explained
4:09 High-3 pension calculation & FERS 1.1% multiplier
7:36 Best dates to retire from federal service
10:38 FEHB and Medicare Part B decisions
14:37 Survivor benefit elections explained
18:16 5-step federal retirement checklist
19:14 The first 90 days of retirement
22:08 How to get help with your retirement plan

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WHO WE ARE
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CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, Medicare, survivor benefits, retirement income planning, and health-focused financial strategies.

Our mission is simple:
Help federal employees retire with more clarity, confidence, and peace of mind.

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IMPORTANT DISCLAIMER
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Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

#FederalRetirement #FERSRetirement #FederalEmployees #RetirementPlanning #FEHB #TSP #Medicare #FederalBenefits #OPM #CDFinancial