How to survive a delayed federal retirement pension check? Avoid financial ruin by building your bridge plan now.

Many federal retirees are shocked to find that not only is the regular pension delayed for months, but even the first estimated check may be missing — you need a bridge strategy in place so you aren’t left without income.

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Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

⏱ TIMESTAMPS
0:00 Intro: What happens when your retirement check doesn’t arrive
0:35 Understanding the delay: regular pension vs estimated checks
1:08 What zero income looks like in your first few months post-retirement
1:50 Sources to fill the gap: savings, private accounts, disability income
2:12 Real-life case: “Tom and Carla” — one unprepared, one protected
2:45 Risks of credit card debt and borrowing to survive
3:17 Building a bridge fund: how much you really need (example)
3:54 Using TSP → IRA when you’re over 59½ to access funds sooner
4:21 Planning isn’t about working longer — it’s about smarter preparation

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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.

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