Is your federal job at risk? Learn everything about the 2025 government shutdown, Reduction in Force (RIF), furloughs, and how they impact federal employees with expert Ann Vanderol. This urgent breakdown covers what you need to know RIGHT NOW to protect your career, benefits, and retirement.

🚨 2025 Federal Shutdown & RIF Critical Topics:
✅ What is a Reduction in Force (RIF) and how does it work?
✅ Difference between furloughs, layoffs, and RIF
✅ Which federal employees are most at risk?
✅ How shutdown affects your pay, benefits, and retirement
✅ Steps to protect your federal career today
✅ Expert insights from federal career specialist Ann Vanderol

Whether you're a current federal employee, planning retirement, or concerned about job security during the 2025 government shutdown, this video provides actionable strategies to navigate furloughs, potential layoffs, and RIF procedures.

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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 Intro: Shutdown 2025 & why this one’s different (RIF risk)
0:19 “Layoff” vs. RIF: what each means for your job & benefits
1:44 Essential vs. non-essential status, furloughs, and back pay dynamics
3:52 Agency coverage gaps & workload—realities on the ground
5:18 Agency reviews & potential workforce cuts: what to watch
10:00 RIF basics: retention rights, severance, and notices (OPM rules)
14:45 DRP retirees: HR backlogs, last paycheck & annual leave timing
17:10 TSP coding delays after retirement & why access may be held up
18:50 Bridging cash needs: TSP loans vs. hardship withdrawals—trade-offs
20:58 Health tip: reduce stress with simple, sustainable routines
22:45 Your action plan & next steps (how to get personalized help)

#FederalShutdown2025 #RIF #FederalEmployees #GovernmentShutdown #federalretirement 

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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