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Federal Employees Retirement & Benefits Podcast by CD Financial
The objective of this podcast is to educate and enlighten you about your federal benefits and to guide you in creating a well-formed retirement income plan.
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Federal Employees Retirement & Benefits Podcast by CD Financial
The Mid-Year Federal Retirement Checklist Most Employees Skip (5 Things)
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Show-notes summary:
We're halfway through 2026 — the moment most federal employees realize they set retirement goals in January and haven't looked since. Charles and Marcus walk through five things to review now, not in December: knowing your High-3 (and how step increases and COLAs really affect it), buying back military time before it's too late, the TSP "super catch-up" for ages 60–63, the survivor benefit election couples keep avoiding, and the non-financial question that derails more retirements than money does — "what are you retiring TO?"
Chapters:
0:00 The Mid-Year Reality Check
0:57 Health Tip: "Don't Let the Old Man In"
3:24 #1 Know Your High-3 (Step Increases & COLAs)
5:25 TSP Allocation: Income vs. Growth Money
9:58 #2 Buy Back Your Military Time
14:13 #3 The TSP Super Catch-Up (Ages 60–63)
24:44 #4 The Survivor Benefit Election Couples Avoid
28:48 #5 What Are You Retiring TO?
32:35 Get Your Written Retirement Income Plan
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Disclaimer: Educational only; not financial, legal, tax, or investment advice. TSP limits and federal rules change yearly — verify current figures at TSP.gov and OPM. Advisory services offered through CD Financial LLC dba CD Financial, an Investment Adviser in the State of California; insurance through CD Financial & Insurance Services LLC.