How will the 2025 government shutdown impact federal employees, retirees, and those receiving Social Security? In this urgent update, CD Financial unpacks the latest on furloughs, layoffs, and Reduction in Force (RIF)—plus what steps you need to take right now.

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A reduction in force (RIF) during the 2025 federal shutdown may allow some to claim discontinued service retirement under strict rules.

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CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.

⏱ TIMESTAMPS
0:00 – Government Shutdown & Layoffs Overview
Who’s being affected, and why nearly everyone in the federal workforce feels the impact.
0:44 – Essential Employees Working Without Full Pay
A real story from a DCMA employee driving two hours each way—earning only 70% pay.
1:13 – Federal Layoffs: HHS, DOJ, and More
Over 4,000 employees affected so far—and why this shutdown feels different.
1:40 – Will Furloughed Workers Still Get Paid?
Clarifying back pay and what happens if you’re laid off mid-shutdown.
2:12 – RIFs and Unemployment Filing
What to do immediately if you’re affected by a Reduction in Force (RIF).
2:46 – Discontinued Service Retirement (DSR)
How some employees may qualify for early, unreduced pensions under DSR rules.
3:12 – The Power of a Written Plan
Why now is the time to create or revisit your retirement income plan.
3:34 – Introducing the Charted Retirement Course™ (CRC)
How our trademarked CRC helps you navigate uncertainty with confidence.
4:08 – How to Connect With Us
Text your name and email to 949-359-5100 for a personalized plan.
4:25 – Final Message: You May Not Need to Work Longer
You might just need a better plan—and a trusted guide by your side.

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.

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