Accurate segmentation of tubular and curvilinear structures, such as blood vessels, neurons, and road networks, is crucial in various applications. A key challenge is ensuring topological correctness while maintaining computational efficiency. Existing approaches often employ topological loss functions based on persistent homology, such as Betti error, to enforce structural consistency. However, these methods suffer from high computational costs and are insensitive to pixel-level accuracy, often requiring additional loss terms like Dice or MSE to compensate. To address these limitations, we propose \textbf{SDF-TopoNet}, an improved topology-aware segmentation framework that enhances both segmentation accuracy and training efficiency. Our approach introduces a novel two-stage training strategy. In the pre-training phase, we utilize the signed distance function (SDF) as an auxiliary learning target, allowing the model to encode topological information without directly relying on computationally expensive topological loss functions. In the fine-tuning phase, we incorporate a dynamic adapter alongside a refined topological loss to ensure topological correctness while mitigating overfitting and computational overhead. We evaluate our method on five benchmark datasets. Experimental results demonstrate that SDF-TopoNet outperforms existing methods in both topological accuracy and quantitative segmentation metrics, while significantly reducing training complexity.