If you are going to end up sending the file as a PDF, here are a few tips to reduce the file size:
First save a copy of the file and name it ***-export.psd (this is just in case you accidentially save the modified file)
now ensure you are using the ***-expor.psd file. (i can’t say this enuf times)
Now (if you are needing to have transparency) go to layers > merge visible (remove any hidden layers at this time too)
otherwise go to layers > flatten image
do your “save as” PDF export and turn off the editability function.
and choose the highest version of Acrobat your print person is able to accept, hopefully matching what he/she has.
You should end up with a much smaller file size.
on a side note, JPG doesn’t always retain the proper specs you save it in… So if TIFF can be used, go that route… but I persoanally like PDF.