No regrets here. I retired at about 58 a couple of years ago. I say "about" because it has been a gradual thing and I got to retire at the speed I wanted from my own LLC. I have lots of hobbies, interests and family around and I was tiring of the work so it was an easy decision. I had a plan and have not been bored. I regret only that I didn't do it sooner.
I am not a financial expert but have learned a few things over the years that have worked out to be true. I hope the following helps you. You mentioned "going to a professional". I am kind of "a dog with a bone" on this topic so forgive me for maybe ranting a little.
I recommend that you use caution when/if picking an expert. Remember, they are in it to make money and that money comes from you. Understand what the costs are to you and be very careful about the costs they like to hide in various tricky (but legal) ways **. One trick is to lock you in to some of their "great and special" funds that are expensive for you to buy into and to leave. They
imply that you will do better with those funds. They like to make it look complex too. I would go so far as to say "never pay front loading or back loading on any fund". It is generally just handing over a big chunk of your money for no likely benefit to you. I think there is a special place in he!! for some of those jokers. It is also less tricky to do it yourself than you might think.
Even if you do go with professional help, maybe read some of this linked wiki so at least you have good questions for them and can protect yourself:
https://www.bogleheads.org/wiki/Main_Page There is also a great forum there which I think is second only to this one for atmosphere and helpfulness. BTW, if you do ask investment/retirement questions there, use the question format they suggest in the wiki and you will get much better answers. Also, most questions have been answered there many times so the search feature is pretty useful.
SS is usually a good investment to put off taking as long as you are fairly healthy and don't need it yet. It grows much faster than inflation every year you don't take it. It grows much faster than the CD you mentioned. The trick is to not die too soon, but that is always the trick, right?
Once you start drawing from pension and tax-deferred (IRA / 401K), that also counts as income when figuring out tax for SS income. It really isn't a penalty, just another possible tax for a portion of your SS income. Feels like a penalty though.
For your CD, maybe consider a few smaller CDs bought over time. That way, they mature at different times, like once a quarter or half-year, etc. You may have to give up a small fraction of the interest for smaller CDs, but something to consider.
** My sister is retired and has been with an expensive, but popular store-front broker for decades. She wouldn't consider herself well-to-do. She asked and I worked with her and attempted to show her what a bad deal it was and recommended that she get out as soon as possible. It has literally cost her hundreds of thousands in fees (including missed growth on those earlier fees), needlessly. About 1/4 of her investment-generated annual income goes to fees, basically 1.2%, mainly AUM. She works part time at a job she does not really like to earn back about the same amount as those fees. This is not that uncommon. However, she "likes her guy" and mistakenly thinks he is making her more money and has stayed put. Part of it is a pride thing I suppose. A good part of it is that "her guy" is a better salesman than I am.
