Is the new OPM Online Retirement Application (ORA) speeding up federal retirement or causing more delays? In this video, CD Financial explains the digital process, timelines, hidden pitfalls, and speedy tips for federal employees (FERS & CSRS) preparing to retire. Learn how to optimize your paperwork, avoid late annuity payments, and get the answers to crucial OPM system changes for 2025.

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⏱ TIMESTAMPS
0:00 – Intro
0:57 – ORA Overview
1:39 – Why the Switch to ORA
3:59 – Accessing the System
5:28 – Application Process
6:00 – Required Forms to Upload (SF3107, SF2817, SF2818, etc.)
11:02 – System Updates & Notifications
12:30 – Benefit Estimates
15:21 – Tax Withholding Issues
16:57 – Certification & Submission
18:38 – What ORA Doesn't Handle (TSP, Social Security)
19:27 – OPM Calculation Errors
21:11 – Getting Professional Help
23:27 – Health Tip

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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