Shows
Federal Employees Retirement & Benefits Podcast by CD FinancialHow Does a Discontinued Service Retirement Work for Federal Employees? (DSR)TSP FREE GUIDE: https://cdfinancial.org/TSP-free-guide/ You don’t need to work longer; you just need a better plan. Start your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"You might be laid off, but that doesn’t mean you’re left out—DSR could protect your pension, health benefits, and more."Connect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llc Visit our Website: https://cdfinancial.org/Subscribe and Stay Updated: Don’t miss out on crucial advice for...2025-03-2502 minFederal Employees Retirement & Benefits Podcast by CD FinancialVSIP Offered - Should I Take it? DoD & Other AgenciesYou don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"You can’t control the offer, but you can control your plan."If you’ve received a Voluntary Separation Incentive Payment (VSIP) offer—especially within the Department of Defense or federal agencies like BLM—this episode is for you. We break down what the $25,000 payment really means for your retirement, when it might make sense to accept it, and how to prepare if you're on...2025-03-2103 min
Federal Employees Retirement & Benefits Podcast by CD FinancialThe 5 Year Rule Applied to Your BenefitsYou don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Understanding the 5-year rules in your federal benefits could mean the difference between keeping or losing critical coverage in retirement."Chapters0:00 - Podcast Introduction1:09 - What Are the 5-Year Rules?2:03 - The Federal Employees' Group Life Insurance (FEGLI) Rule8:11 - Keeping Your FEHB in Retirement10:30 - Roth TSP & the 5-Year Rule – What You Should Know13:40 - Recap & Next...2025-03-2020 minFederal Employees Retirement & Benefits Podcast by CD FinancialIf You Did NOT Take the DRP OfferYou don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callFREE TSP GUIDE: https://cdfinancial.org/TSP-free-guide"A solid retirement plan isn’t about luck—it’s about preparation, strategy, and making the right decisions at the right time."Chapters0:00 - If You Didn’t Take the DRP Offer, What’s Next?0:43 - Will There Be Another Early Retirement Offer (VERA)?1:55 - What a Reduction in Force (RIF) Means for Yo...2025-03-1805 min
Federal Employees Retirement & Benefits Podcast by CD FinancialFederal Employees Back to Office Order - Implications & AdvantagesYou don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call FREE TSP GUIDE → https://cdfinancial.org/TSP-free-guide/ "Returning to the office isn’t just about a commute—it’s about career growth, connection, and long-term financial security." 📌 Chapters 0:00 - Podcast Introduction 4:18 - Why the Federal Back to Office Order Matters 5:14 - The Financial Advantages of Staying in the Workforce 7:57 - Social Connection & Mental Health Benefits - In-Person Collaboration vs. Virtual Work 10...2025-03-1327 minFederal Employees Retirement & Benefits Podcast by CD FinancialHow Much Do I Need in My TSP to Retire?You don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Retirement isn’t about how much you have—it’s about how long it lasts."Chapters0:00 - Introduction - How Much Do You Need in Your TSP?0:20 - Breaking Down Your Retirement Income - How Social Security Affects Your TSP Withdrawals?FREE TSP GUIDE: https://cdfinancial.org/TSP-free-guide/Connect with CD Financial for More Insights:Twitter...2025-03-1201 minFederal Employees Retirement & Benefits Podcast by CD FinancialS&P 500 DIYs Should I Invest in the Stock MarketYou don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Consistency beats timing. The market rewards discipline, not impulse."Chapters0:00 - Podcast Introduction 4:13 - DIY Investing: Smart Move or Risky Gamble?5:45 - Why Simplicity Works: Index Funds vs. Individual Stocks6:30 - Real-Life Cautionary Tale: A Single-Stock Bet Gone Wrong16:32 - Warren Buffett’s Advice on Market Timing22:20 - ETFs vs. Mutual Funds: Tax Advantages Explained29:20 - Healt...2025-03-0633 minFederal Employees Retirement & Benefits Podcast by CD FinancialTook the DRP - Now What? Your Options ExplainedTSP FREE GUIDE: https://cdfinancial.org/TSP-free-guide/ You don’t need to work longer; you just need a better plan. Start your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Retirement isn't about leaving work; it's about stepping into financial freedom with confidence."Chapters0:00 - Podcast Introduction - Understanding the Deferred Retirement Process1:03 - How Different Agencies Handle Retirement Requests - Key Deadlines You Should Know2:01 - Submitting Your SF 3107: What You Need to Know3:17 - Survivor Benefits: The Critical Choice You Can’t Ignore - Maximizing Your Soci...2025-03-0307 minFederal Employees Retirement & Benefits Podcast by CD FinancialTSP & Retirement Planning: What's New for 2026?You don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"You soon will have the power to convert your TSP to a Roth without leaving the system—game-changing for federal retirees."📌 Chapters:0:00 - Breaking News: Roth Conversions in TSP 2026 - What This Means for Federal Employees1:00 - Understanding the Tax Implications2:30 - The Big Catch: Taxes and Roth Conversions - Can You Withhold Taxes Inside TSP?3:24 - Where Will You Get...2025-02-2804 min
Federal Employees Retirement & Benefits Podcast by CD FinancialWhat They Won't Tell You About TSP After RetirementYou don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Financial security isn't just about having a pension—it's about knowing how to use it wisely in retirement." 📌 Chapters 0:00 - Podcast Introduction 4:30 - Should I Leave My Money at TSP into Retirement? 7:40 - Pros and Cons of Keeping Your TSP in Retirement 11:30 - Understanding Your TSP Investment Options - The Hidden Risks of Leaving Your TSP Untouched 12:12 - The Power of T...2025-02-2728 minFederal Employees Retirement & Benefits Podcast by CD FinancialFacing a Reduction in Force? Here’s What You Need to KnowYou don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"The most important decision you can make is planning your retirement with professional help."Chapters 0:00 - Introduction - What Happens Now?0:13 - Unemployment0:45 - Mandate Numbers per Agency1:55 - Essential Workforce Percentages2:37 - What Can You Do? Know Your Numbers, Have a Plan4:08 - Get HelpConnect with CD Financial for More Insights:Twitter: /CDF...2025-02-2505 min
Federal Employees Retirement & Benefits Podcast by CD FinancialDeferred Resignation Program DRP - What's Unfolding Now?You don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"15 minutes could save you a pile of money in taxes."Chapters: 0:00 - What happened to Charles?3:16 - The era of the Trump Administration 3:38 - What is the Deferred Resignation Program? 4:50 - Eligibility and Requirements for DRP 6:03 - How to Fill Out Elections 6:40 - DRP and Your Health Benefits 17:40 - Impact of DRP on Your Retirement Plans 19:20...2025-02-2529 min
Federal Employees Retirement & Benefits Podcast by CD FinancialResignation Accepted – What Retirement Elections Do I Make Now?You don’t need to work longer; you just need a better plan. Schedule a 15-min call for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callWhat to expect now that you accepted the offer?How & can I proceed forward?What retirement elections do I have to make?What happens to my Sick & Annual Leave?Retirement: https://www.opm.gov/forms/pdf_fill/sf3107.pdfChapters0:00 Introduction4:57 Deferred Retirement Process9:57 Health Insurance Considerations14:56 Survivor Benefits and Life Insurance18:56 Understanding Life Insurance Options2025-02-2435 minFederal Employees Retirement & Benefits Podcast by CD FinancialVERA - Deferred Resignation Your Options ExplainedYou don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"The most important decision you make ..."Chapters 0:00 - Introduction0:10 - VERA - Deferred Resignation Your Options Explained2:24 - How to Get Support on This DecisionConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llc Visit our Website: https://cdfinancial.org/Subscribe and Stay Updated: Don...2025-02-0403 minFederal Employees Retirement & Benefits Podcast by CD FinancialTook the DRP… Now What? Your Options ExplainedTSP FREE GUIDE: https://cdfinancial.org/TSP-free-guide/ You don’t need to work longer; you just need a better plan. Start your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Retirement isn't about leaving work; it's about stepping into financial freedom with confidence."Chapters0:00 - Podcast Introduction - Understanding the Deferred Retirement Process1:03 - How Different Agencies Handle Retirement Requests - Key Deadlines You Should Know2:01 - Submitting Your SF 3107: What You Need to Know3:17 - Survivor Benefits: The Critical Choice You Can’t Ignore - Maximizing Your Soci...2025-02-0307 minFederal Employees Retirement & Benefits Podcast by CD FinancialBREAKING NEWS: Fork in The Road - Deferred ResignationFork in the Road: Q&A Webinar for federal employees to consider before accepting a "deferred resignation." WEBINAR LINK: https://event.webinarjam.com/register/222/qy5p4u34Schedule a retirement planning visit with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callSOURCES: https://www.whitehouse.gov/presidential-actions/2025/01/return-to-in-person-work/https://chcoc.gov/content/guidance-regarding-deferred-resignation-programhttps://www.opm.gov/fork#forkintheroad #TSP #RetirementPlanning #FERS #SocialSecurity #FinancialPlanning #TaxPlanning #BackToWork #backtowork "The most important decision you make, is now"Connect with CD Financial for More Insights:Tw...2025-01-3103 minFederal Employees Retirement & Benefits Podcast by CD FinancialTop Advisor Reveals 4% Rule on TSP for Monthly Income of Over $3300Get your FREE TSP GUIDE HERE: https://cdfinancial.org/TSP-free-guide/You don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Financial security isn’t just about numbers; it’s about ensuring your retirement savings work for you every step of the way."Chapters0:00 - Podcast Introduction0:30 - Why Monthly Income from TSP MattersConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfina...2025-01-2901 min
Federal Employees Retirement & Benefits Podcast by CD FinancialFinancial Advice for Retired Couples in 2025You don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"A plan today ensures peace for your loved ones tomorrow."Chapters:0:00 - Podcast Introduction1:00 - The Importance of Financial Planning for Couples4:15 - Why Tax Planning is Crucial for Survivors7:30 - Understanding Survivor Benefits and Health Insurance11:00 - The Role of Trust and Fiduciaries in Financial Planning15:30 - Why You Should Involve the Next Generation in Planning2025-01-2340 minFederal Employees Retirement & Benefits Podcast by CD FinancialTSP G Fund or Lifecycle When Retiring, Which Should I UseYou don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Retirement planning is not about avoiding risk—it's about managing it wisely to secure your future."Chapters0:00 - Introduction: Should You Use the G Fund or Lifecycle Funds? - Understanding TSP Growth as You Approach Retirement0:45 - Managing Risk with Larger TSP Balances - The Impact of Market Losses on Your TSP1:00 - G Fund Overview: Safety and Stability...2025-01-2101 min
Federal Employees Retirement & Benefits Podcast by CD FinancialMaximizing Your Retirement: Special Provisions for Law Enforcement and ATC PersonnelYou don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Financial security, ensuring we have enough savings and income to support ourselves throughout retirement."Chapters0:00 – Podcast Introduction2:10 – Federal Law Enforcement Roles7:13 – Next Career Moves & Pre-57 Earnings10:44 –Your 1.7% Pension Advantage13:00 – The Special Retirement Supplement (SRS)25:00 – Mindset: Embracing Failure29:23 – Calculating & Balancing Debt & Monthly Expenses35:20 – Recap & Final Thoughts36:28 – Health Tip: Caring for Aging Parents & Mental HealthConnect with CD...2025-01-1644 minFederal Employees Retirement & Benefits Podcast by CD FinancialMandatory Roth TSP Contributions for Incomes Over 145k in 2025You don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call“Financial security means ensuring we have enough savings and income to support ourselves throughout retirement.”Chapters0:00 – The New TSP Catch-Up Rule Explained0:28 – Why Paying Taxes Now Might Benefit You Later1:34 – Evaluating Your Retirement Goals1:49 – Action Steps to Map Your Future IncomeConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook...2025-01-1402 minFederal Employees Retirement & Benefits Podcast by CD FinancialFederal Employees Face Mandatory Return to Office in 2025You don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Now’s the time to realize that a proper plan allows you to retire confidently while maintaining—or even increasing—your standard of living."Connect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llc Visit our Website: https://cdfinancial.org/Subscribe and Stay Updated: Don’t miss out on crucial advice for your f...2024-12-3102 min
Federal Employees Retirement & Benefits Podcast by CD FinancialDOGE Elon Musk and Ramaswamy: FEDS Don't StressYou don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llc Visit our Website: https://cdfinancial.org/Subscribe and Stay Updated: Don’t miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.Get More from CD Financial: Looking for personalized advi...2024-12-3037 minFederal Employees Retirement & Benefits Podcast by CD FinancialWhat are RMDs? Why RMDs? and How to Tax Plan RMDsYou don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"If you don’t make a plan for your money, someone else will – and it’s usually Uncle Sam."Chapters0:00 - Introduction0:30 - What Are RMDs?1:15 - Why RMDs Are Mandatory1:29 - Key Birth Year RMD Thresholds2:00 - Avoiding IRS Control Over Your Money2:35 - Roth IRA Benefits for Heirs3:21 - Building a Tax-Smart Retirement Plan2024-12-2404 min
Federal Employees Retirement & Benefits Podcast by CD FinancialTSP 401k Max Funding In Depth Look at 2025 UpdatesYou don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Retirement planning is not just about saving; it's about maximizing the resources you already have."Chapters0:00 - Podcast Introduction1:05 - Mr Rogers Culture3:25 - Importance of Maximizing TSP Contributions6:25 - 2025 Updates: Contribution Limits Explained - Catch-Up Contributions for Age 50+11:32 - The Power of Life Cycle Funds12:56 - Optimizing Retirement Strategies at 59½16:23 - Special Catch-Up Rules for Age...2024-12-1940 minFederal Employees Retirement & Benefits Podcast by CD FinancialI Inherited an IRA, Now What? Tax and Financial PlanningYou don’t need to work longer, you just need a better plan.Schedule a consultation with this link to tailor a plan that suits your unique financial goals:https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Financial security is ensuring you have a clear plan to handle life's transitions, including inherited IRAs and their tax implications."Chapters0:00 - What Is an Inherited IRA?0:40 - The 10-Year Rule for Non-Spousal Inherited IRAs - Real-Life Example: Remodeling with IRA Funds3:15 - Tax Implications of Withdrawals - State Tax Considerations: Examples from AZ, TX, CA...2024-12-1806 min
Federal Employees Retirement & Benefits Podcast by CD FinancialRMDs Required Minimum Distributions – What? Why? How?You don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Plan for your future now because time waits for no one."Chapters0:00 - On today's episode0:30 - What Are RMDs?4:41 - Who and How Are RMDs Calculated?6:00 - Age Requirements for RMDs7:21 - Why Planning RMDs Early Matters9:03 - The Importance of Tax Planning11:11 - Avoiding RMD Penalties12:43 - Strategies to Reduce or Eliminate RMDs2024-12-1226 minFederal Employees Retirement & Benefits Podcast by CD FinancialMaximizing Your TSP Contributions: What’s New for 2025You don’t need to work longer, you just need a better plan. Schedule a consultation with this link to tailor a plan that suits your unique financial goals:👉 https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Maximizing your retirement savings isn't just about contributing more—it's about contributing smarter."Chapters0:00 Who We Serve: Federal Employees and Their Families0:54 - TSP Contribution Limit Updates for 20252:06 - Special Catch-Up Contribution Rules for Ages 60-633:33 - Tax Implications: Pre-Tax vs. Roth Contributions3:55 - Retirement Strategies: Max Funding with Tax-Free Growth4:30 - Secure Act 2.0...2024-12-1005 min
Federal Employees Retirement & Benefits Podcast by CD FinancialInherited IRAs: Use Them Wisely - What Spouses Need to KnowYou don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Financial security is not precisely about inheritance; it’s about using what you receive to build a brighter future."Chapters0:01 - Introduction to Inherited IRAs0:45 - Difference Between Inheritance and Beneficiary Accounts2:15 - Key Rules for Spousal Inherited IRAs4:20 - When Should You Roll Over to Your Own IRA?7:00 - 10-Year Rule: Managing Withdrawal Deadlines10:30 - Tax Plan...2024-12-0531 minFederal Employees Retirement & Benefits Podcast by CD FinancialThe TSP I Fund: An Evolution Worth Noting | 2025 UpdateYou don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"The I Fund's evolution is a testament to adapting and optimizing for growth—ensuring federal employees have the tools to secure their financial future."Chapters 0:00 - Introduction0:30 - Overview of the TSP I Fund - Challenges with Emerging Markets - The Role of China and U.S. Interests - Key Changes in the I Fund Benchmark - Transitio...2024-12-0305 min
Federal Employees Retirement & Benefits Podcast by CD FinancialFERS Federal Survivor Benefit Elections – What You Need to Know!You don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Financial freedom starts with a plan that protects what matters most—your loved ones and your future."Topics to consider as you ponder this decision: • Survivor Benefit choices: should I take 25%, 50%, or 0? • Once elected, you can’t go back – one & done. • It’s not cheap, but it might be essential.Chapters0:01 - Podcast Introduction0:35 - What Are Federal Survivo...2024-11-2802 minFederal Employees Retirement & Benefits Podcast by CD FinancialPurchases Retirees Regret: How to Avoid Costly Mistakes in RetirementYou don’t need to work longer; you just need a better plan.Schedule a consultation to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Retirement is uncertain, but a written plan brings clarity and comfort to every decision."Chapters0:00 - Introduction0:30 - How Written Plans Impact Retirement Confidence0:55 - The Comfort of Visualizing Financial Decisions & How We Use the 'Charted Retirement Course' Tool1:30 - Simulating Financial Scenarios with Software & The Importance of Adjusting Your Plan Over TimeConnect with CD Fi...2024-11-2602 min
Federal Employees Retirement & Benefits Podcast by CD FinancialWhy Buying Back Military Time can be a GAME CHANGERYou don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Buying back military time is more than a financial decision—it’s a strategy to maximize your retirement and claim the rewards for your years of service."Chapters0:00 - Podcast Introduction3:45 - Why Buying Back Military Time Matters7:00 - Common Misconceptions About Military Time Buyback - Impacts Your Retirement Eligibility11:11 - Breaking Down Costs: Is It Expensive? - Reservists vs. Ac...2024-11-2131 min
Federal Employees Retirement & Benefits Podcast by CD Financial13.5% Premium Hike! What Every Federal Employee Needs to Know This Open SeasonYou don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"The most important decision you make during Open Season can define your peace of mind for the entire year."Chapters 0:00 - Introduction to Open Season 2024 1:06 - Why This Year Is Different: Premium Hikes Explained 2:10 - Navigating the Open Season Process - The Importance of Knowing Your Health Needs 3:45 - Overcoming Barriers: Why Most Don’t Switch Plans - Evaluating Your Cur...2024-11-1931 minFederal Employees Retirement & Benefits Podcast by CD FinancialDoes the idea of retiring scare you? You are not alone.You don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call0:00 - Intro0:10 - Why Retirement Feels Scary1:11 - What is a Written Retirement Income Plan? - The Wisdom of Planning: Lessons from Whales2:20 - How to Ensure Your Money Outlasts Your Life - Addressing Mental and Emotional Readiness3:00 - Retiring to Something, Not to Nothing - The Importance of Reassurance in Financial Planning"Chart your course to a retirement fi...2024-11-1903 min
Federal Employees Retirement & Benefits Podcast by CD FinancialMedicare for Federal Employees & Why it Matters! - With Guest Ann VandersliceYou don’t need to work longer; you just need a better plan. Schedule a consultation to craft a financial strategy that meets your unique retirement goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"A peaceful retirement starts with preparation. 🌅 Discover how understanding Medicare now can support a future free from financial worry."Chapters 0:00 - Podcast Introduction3:05 - Understanding the Retirement Landscape4:44 - Key Federal Benefits to Know6:45 - The Importance of Suspending Over Cancelling7:33 - Social Security Strategies9:20 - Navigating FEHB and Medicare Options Based on Location10:20 - Income...2024-11-1427 minFederal Employees Retirement & Benefits Podcast by CD FinancialIs Your Federal Pension Just Collecting Dust? How to Make the Most of the Extra Income?You don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Turn unused income into a legacy – investing your extra pension for tomorrow."Chapters:0:00 - Intro0:18 - Who Can Benefit from Additional Income Planning? 1:00 - Evaluating Your Debt: Is There Anything to Pay Off? 1:30 - Maximizing Your Contributions to TSP and Roth 2:09 - Tax Brackets: Impact on Your Extra Income 3:02 - Taxable vs. Tax-Free Growth Explained 4:05 - Building...2024-11-1205 minFederal Employees Retirement & Benefits Podcast by CD FinancialCan I Use My Annual and Sick Leave to Extend My Career Towards Retirement?You don’t need to work longer, you just need a better plan. Schedule a consultation with this link to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Financial security means knowing that each step brings you closer to retiring on your own terms."Chapters 0:00 - Understanding Annual Leave in Federal Careers With Case Study1:15 - The Benefits of Annual Leave for Retirement - Using Sick Leave to Extend Your Career - Case Study: Approaching Retirement Eligibility 1:44 - Calculating Leave into Service Time 2:40 - Strate...2024-11-0505 min
Federal Employees Retirement & Benefits Podcast by CD FinancialTSP I Fund vs. other Lifecycle Funds: What's the Difference?You don’t need to work longer, you just need a better plan. Schedule a consultation with this link to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Financial security is not about working longer, it's about having a better plan for your future."Schedule a consultation to tailor a plan that suits your unique financial goals: [Insert Link Here]Chapters0:00 - Podcast Introduction0:45 - Welcome and Background2:30 - Historical Context7:45 -The American Dream from the 50s The Old CSRS9:12 - TSP I...2024-10-3124 minFederal Employees Retirement & Benefits Podcast by CD FinancialWill the Presidential Election Hurt My TSP 401K?You don’t need to work longer, you just need a better plan. Schedule a consultation with this link to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Financial security isn’t about timing the market; it’s about having a plan that can weather all conditions."Chapters0:00 - How Elections Impact the Market - Key Risks During Presidential Elections1:11 - How Markets React to New Administrations - The Impact of Higher Taxes on TSP2:10 - Safe Options for Retirement Income - Building Stability in Your T...2024-10-2904 min
Federal Employees Retirement & Benefits Podcast by CD FinancialPresidential Election Results: What It Means for Your TSP 401KYou don’t need to work longer, you just need a better plan. Schedule a consultation with this link to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Facing the unknown isn’t about predicting the future—it's about preparing for it with clarity and confidence."Chapters 0:00 - Podcast Introduction1:00 - Florida's Food8:33 - Why Uncertainty Impacts Retirees9:45 - Market Fluctuations: What To Expect13:20 - The Role of Fiscal Policy14:34 - TSP, 401Ks, and Economic Trends19:20 - Adjusting Your Investment Strategy - Creat...2024-10-2435 minFederal Employees Retirement & Benefits Podcast by CD FinancialWill $1M Be Enough To Retire Now?You don’t need to work longer, you just need a better plan. Schedule a consultation with this link to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Retirement isn't about hitting a number; it's about understanding what it costs to live comfortably and having a plan that gets you there."Chapters0:00 - The $1 Million Retirement Question1:10 - Gross vs. Net Income Explained - Understanding Your Federal Pension Net Amount2:00 - Calculating Your Social Security Payments & The 4% Rule: Is It Enough?3:15 - Adjusting for Ta...2024-10-2305 minFederal Employees Retirement & Benefits Podcast by CD FinancialWhat Happens When You Retire at 57 Instead of 62? Best Age to RetireWatch the video version here: https://youtu.be/jSKGQeQUlkUYou don't have to work longer, you just need a better plan. Let's find your path to financial security and peace of mind. https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callChapters 0:00 - Understanding the Minimum Retirement Age (MRA)0:17 - Retirement Options for Federal Employees at 571:17 - How the FERS Supplement Works2:19 - Penalty-Free Retirement at Age 60 with 20 Years of Service2:45 - The 10% Bonus for Age 62 and 20 Years of Service3:05 - Should You Retire at 60 or 62?3:50...2024-10-1504 min
Federal Employees Retirement & Benefits Podcast by CD FinancialHow will Fed Rate Cuts Impact Your Portfolio in 2024?Watch the video here https://youtu.be/HdMuil4vU24You don’t need to work longer, you just need a better plan. Schedule a consultation with this link to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Facing uncertainty is part of the journey, but a well-crafted plan brings clarity and peace."Chapters0:00 - Podcast Introduction0:26 - Reflecting on the Heat Wave and Transition to Today's Topic9:48 - Market Trends and Anxiety About Rate Changes11:05 - Understanding Fed Rate Cuts and Their Im...2024-10-1139 minFederal Employees Retirement & Benefits Podcast by CD FinancialIs your TSP/401K Safe from Creditors, Lawsuits, and Divorce?Financial security means knowing that your assets are safe, even when life throws unexpected challenges your way. Schedule a consultation with this link to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callChapters:0:00 - Is Your TSP Safe from Lawsuits?0:15 - Bankruptcy and Your TSP: What You Should Know - Protection from Creditors 0:34 - Real-Life Case Study: Federal Employee with Rental Property 1:09 - TSP and Divorce: How Your Assets Are Divided - Calculating Spouse's Share in a Divorce 2:33 - How Taxes Affect Your Retirement Rollovers - M...2024-10-0803 min
Federal Employees Retirement & Benefits Podcast by CD FinancialTAXES OR NOT | What's the REAL COST of Not Having Tax Planning? A Tale of Two FamiliesYou don’t need to work longer, you just need a better plan. Schedule a consultation with this link to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Financial security, ensuring we have enough savings and income to support ourselves throughout retirement."Chapters0:01 - Podcast Introduction 23:00 - Recap of retiree concernsConnect with CD Financial for More Insights: Twitter: /CDFinancial_LLC Instagram: /CDfinancial.llc Facebook: /CDFinancialLLC LinkedIn: /cd-financial-llcVisit our Website https://cdfinancial.org/Subscribe and Stay Updated...2024-10-0829 minFederal Employees Retirement & Benefits Podcast by CD FinancialA Tale of Two Families Financial Planning ChoicesYou don’t need to work longer, you just need a better plan. Schedule a consultation with this link to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Financial security, ensuring we have enough savings and income to support ourselves throughout retirement."Connect with CD Financial for More Insights: Twitter: /CDFinancial_LLC Instagram: /CDfinancial.llc Facebook: /CDFinancialLLC LinkedIn: /cd-financial-llcVisit our Website https://cdfinancial.org/Subscribe and Stay Updated:Don't miss out on crucial advice for your financial journey. Subscribe now fo...2024-10-0204 min
Federal Employees Retirement & Benefits Podcast by CD FinancialBeneficiary Updates 2024 | Updating Your Federal Forms (SF 2823, SF 3102, SF 1152)You don’t need to work longer, you just need a better plan. Schedule a consultation with this link to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Planning your future means more than saving money; it means protecting those you care about the most."Chapters 0:00 - Introduction0:30 - Why Beneficiary Updates Matter2:15 - The Importance of Revisiting Your Forms3:13 - Common Life Changes that Impact Beneficiaries6:45 - How Divorce Affects Your Financial Plan8:44 - Special Considerations for Special Needs Beneficiaries11:00 - T...2024-09-2629 minFederal Employees Retirement & Benefits Podcast by CD FinancialRetiring Early? What Happens To Your FERS Supplement?You don’t need to work longer, you just need a better plan. Schedule a consultation with this link to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call "Secure your future, one decision at a time. Your retirement depends on more than savings—it’s about a plan that adapts to your life’s goals." Chapters: 0:00 - Early Retirement Explained 0:20 - What Is the FERS Supplement? 0:15 - How Your FERS Supplement Works at 62 1:15 - The 4% Rule and Your TSP - How Much Shoul...2024-09-2402 min
Federal Employees Retirement & Benefits Podcast by CD FinancialWhen to Hire a Financial Planner for Retirement? “the guys that got you here may not be the same ones to get you there”You don’t need to work longer, you just need a better plan. Schedule a consultation with this link to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Financial security is not just about having enough; it’s about ensuring that your plan can weather the storms of life."Chapters 0:00 - Podcast Introduction 0:30 - Understanding the Importance of a Written Retirement Plan 2:15 - Separating Assets for Income and Growth 3:13 - Essential Tax Planning for Retirement 6:45 - The Role of a Financial Planner in Retiremen...2024-09-1223 minFederal Employees Retirement & Benefits Podcast by CD FinancialTSP Heroes & EnemiesYou don’t need to work longer, you just need a better plan. Schedule a consultation with this link to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Financial security isn't just about having more; it's about planning smarter and ensuring your future is as secure as your present."Chapters 0:00 - Understanding the TSP Enemies2:15 - The Importance of 5% Funding3:13 - The Role of the G Fund6:45 - Balancing Your TSP Investments8:44 - Risks in Retirement Planning11:00 - The Stock Market's Impact on...2024-09-1003 min
Federal Employees Retirement & Benefits Podcast by CD FinancialRetire 10 Years Early With This One Weird Trick!You don’t need to work longer, you just need a better plan. Schedule a consultation with this link to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Retirement isn't about the age you quit working; it's about the freedom to do what you love on your own terms." Chapters 0:01 - Podcast Introduction 0:30 - The Mindset Shift for Early Retirement 2:15 - Breaking Down the Numbers 3:13 - Key Strategies to Accelerate Your Retirement 6:45 - Avoiding Common Pitfalls 8:44 - The Role of Passive Income 11:00...2024-09-0646 min
Federal Employees Retirement & Benefits Podcast by CD FinancialLife Insurance When Terminally IllYou don’t need to work longer, you just need a better plan. Schedule a consultation with this link to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call "Financial security is not just about savings, but also about understanding and maximizing your benefits, especially in challenging times."Chapters:0:00 - Introduction and Greetings2:15 - The Importance of Life Insurance While Employed3:13 - FEGLI and BEDB Explained7:07 - Planning for Terminal Illness Scenarios7:35 - OPM Business Administration Letter: https://www.opm.gov/retirement-center...8:44 - Ut...2024-09-0427 min
Federal Employees Retirement & Benefits Podcast by CD FinancialThe Hidden Benefits of Life Insurance: More Than Just a Safety NetYou don’t need to work longer, you just need a better plan. Schedule a consultation with this link to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Financial security goes beyond just savings; it's about ensuring every dollar supports your loved ones when they need it most."Chapters0:00 - Podcast Introduction3:20 - The Importance of Life Insurance5:05 - Real-Life Example: Income Replacement7:25 - Hidden Benefits of Life Insurance8:08 - Understanding Tax Implications11:00 - Survivor Benefits Explained15:00 - Federal Employee Life In...2024-09-0427 min
Federal Employees Retirement & Benefits Podcast by CD FinancialUnlock the Hidden Retirement Goldmine in Your Backyard!You don’t need to work longer, you just need a better plan. Schedule a consultation with this link to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Unlocking your home's equity can transform your retirement dreams into reality."Chapters0:00 - Podcast Introduction1:30 - What Is the Hidden Retirement Goldmine?2:15 - The Value of Home Equity in Retirement3:13 - Misconceptions About Downsizing6:45 - The Financial Benefits of Moving8:44 - Real-Life Success Stories11:00 - Steps to Assess Your Home’s True Value...2024-09-0427 min
Federal Employees Retirement & Benefits Podcast by CD FinancialFERS Phased Retirement | In-DepthThis podcast was originally a YouTube video, you can watch that video here: https://youtu.be/ckzscAl3yE4Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callDirect Link to OPM: https://www.opm.gov/support/retirement/faq/phased-retirement/#:~:text=When%20an%20employee%20elects%20and,continuing%20to%20work%20part%20timeConnect with CD Financial for More Insights:2024-08-0920 min
Federal Employees Retirement & Benefits Podcast by CD Financial3 Retirement Income Mistakes to AvoidThis podcast was originally a YouTube video, you can watch that video here: https://youtu.be/r_zLvEFwldwYou don’t need to work longer, you just need a better plan. Schedule a consultation with this link to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Financial security, ensuring we have enough savings and income to support ourselves throughout retirement."Chapters0:01 - Podcast Introduction1:53 - The 3 Retirement Income Mistakes to Avoid2:10 - Point 1 Failing to Diversify Investments3:30 - Risk of Over-Concentration2024-08-0128 minFederal Employees Retirement & Benefits Podcast by CD FinancialFERS Basic Employee Death Benefit BEDB | “Dying While Working — Fed Benefit”This podcast was originally a YouTube video, you can watch that video here: https://youtu.be/9mFgp2gE4PMYou don't need to work longer, you just need a better plan. Schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callLINK TO OPM: https://www.opm.gov/retirement-center/fers-information/survivors"Understanding the FERS Basic Employee Death Benefit (BEDB): A Crucial Safety Net for Federal|Employees"Chapters:0:01 - Introduction to the Episode0:25 - Why talk...2024-07-2506 min
Federal Employees Retirement & Benefits Podcast by CD FinancialPodcast Ep.10: Top 10 Near Retirement Concerns (Part 2)You don’t need to work longer, you just need a better plan. Schedule a consultation with this link to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Point six: Paying off any remaining debt including mortgages, credit cards, or loans.""Point ten: Having a purpose in retirement.""There's healing in movement."Chapters0:01 - Welcome Back & Introduction Marcus & Chuck1:25 - Link on-screen to Part 11:50 - Point 6: Eliminating Debt Before Retirement6:35 - Point 7: Housing Options for Retirees9:30 - Point 8: Boosting Retirement Savings2024-07-2528 min
Federal Employees Retirement & Benefits Podcast by CD FinancialPodcast Ep. 9: Top 10 Near Retirement Concerns (Part 1)This podcast was originally a YouTube video, you can watch that video here: https://youtu.be/GR52AFQWYSQYou don’t need to work longer, you just need a better plan. Schedule a consultation with this link to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Financial security, ensuring we have enough savings and income to support ourselves throughout retirement."Chapters0:01 - Podcast Introduction 0:30 - Discussing Texas heat 2:15 - Why address retiree concerns? 3:13 - Dry camping analogy 6:45 - Financial Security Concerns 8:4...2024-07-2526 minFederal Employees Retirement & Benefits Podcast by CD Financial“FERS Phased Retirement: How & Why?“ 50/50 20% Mentoring - ease into retirement | Knowledge TransferThis podcast was originally a YouTube video, you can watch that video here: https://youtu.be/foci4Gf0LRYRemember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callChapters:0:09 Introduction to FERS Phased Retirement - Overview of what FERS phased retirement is and who it's for.0:28 Who Should Consider Phased Retirement? - Discussing the ideal candidates f...2024-07-1603 min
Federal Employees Retirement & Benefits Podcast by CD FinancialRoth Urban Legends & MythsThis podcast was originally a YouTube video, you can watch that video here: https://youtu.be/Hj-W1nadim4?si=ic4Diplp-dGpz7KyRemember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callChapters outline0:01 - Introduction: Welcome by hosts Marcus C and Chuck D, a preview of the episode's focus on debunking Roth IRA myths.2024-07-1128 min
Federal Employees Retirement & Benefits Podcast by CD FinancialWhy Federal Employees Shouldn’t Rely On a PensionThis podcast was originally a YouTube video, you can watch that video here: https://youtu.be/DZNgg-ZoEeIRemember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llcVisit our Website https://cdfinancial.org/2024-06-2724 minFederal Employees Retirement & Benefits Podcast by CD FinancialCan I withdraw money from my TSP while still working?This podcast was originally a YouTube video, you can watch that video here: https://youtu.be/6zPPOe6EowARemember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube On this video: 0:10 Eligibility to Withdraw: You can withdraw money from your TSP while still working if you meet specific qualifications. 0:15 Age Requirement: The primary qualification is that you must be at...2024-06-1803 min
Federal Employees Retirement & Benefits Podcast by CD FinancialTSP's Five Funds - The Benefits of Dollar Cost AveragingThis podcast was originally a YouTube video, you can watch that video here: https://youtu.be/d8AoQT-SrY0Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcF...2024-06-1324 minFederal Employees Retirement & Benefits Podcast by CD FinancialEarly Retirement and Social Security for Federal EmployeesThis podcast was originally a YouTube video, you can watch that video here: https://youtu.be/wwniNzlGsasAre you a federal employee considering early retirement and wondering what will happen to your Social Security benefits? If you're 57 with at least 30 years of service, you might be curious about the impact on your retirement. Here’s a breakdown to help you understand the implications and ensure you make informed decisions about your future.Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blo...2024-06-1103 min
Federal Employees Retirement & Benefits Podcast by CD FinancialSocial Security Spousal & Widow’s Benefit - The benefits of copper water containersThis podcast was originally a YouTube video, you can watch that video here: Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llcVisit our Website https://cdfinancial.org/Subscribe and S...2024-06-0626 min
Federal Employees Retirement & Benefits Podcast by CD FinancialModeration and Balance in Financial Planning | Detoxifying the Body with Apple Cider VinegarYou don’t need to work longer, you just need a better plan. Schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callIn this episode of the CD Financial Podcast, Marcus and Chuck discuss the importance of having a plan and sticking to it, using baseball as an analogy. They emphasize the concept of moderation and balance in investing, using dollar cost averaging to take advantage of market fluctuations. They also discuss the need to pull back from the stock market as retirement approaches and th...2024-05-2830 min
Federal Employees Retirement & Benefits Podcast by CD FinancialTaking the Win in Retirement Planning | Eat Dirt (literally?)You don’t need to work longer, you just need a better plan. Schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call In this episode we talked about:+Preserving language and culture is important for maintaining identity and heritage. +Having a solid retirement plan is crucial, and it's important to not be overly concerned with short-term market fluctuations. +Being connected to nature and being exposed to dirt and natural elements can have health benefits. +Taking the win in retirement planni...2024-05-2121 min
Federal Employees Retirement & Benefits Podcast by CD FinancialCreate Wealth Through a Specialized Farm to Table Investment ApproachYou don’t need to work longer, you just need a better plan. Schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callSummary:In this conversation, Marcus shares a story about preparing a high-quality meal for his 20th anniversary, emphasizing the importance of starting with good ingredients. They also talk about the benefits of dry-aged steak and the pairing of Spanish wine with food. The conversation transitions to Chuck's experience raising chickens and using their fresh eggs in cooking with his father-in-law. Th...2024-05-1432 minFederal Employees Retirement & Benefits Podcast by CD FinancialHow Federal Health Works in RetirementUnderstanding FEHB and Medicare Part B in Retirement This podcast was originally a YouTube video, you can watch that video here: Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd...2024-05-0803 minFederal Employees Retirement & Benefits Podcast by CD FinancialThe Best Day to Retire | Federal TSP, Immediate Pension Benefits, Tax Benefits, and moreThis podcast was originally a YouTube video, you can watch that video here: https://www.youtube.com/watch?v=TFXOJL8_fZ4&feature=youtu.beRemember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLC...2024-05-0205 min
Federal Employees Retirement & Benefits Podcast by CD FinancialLaying a Solid Foundation | CD Financial Podcast Where Health Meets WealthThis podcast was originally a YouTube video, you can watch that video here: https://youtu.be/QI3EDyNNTJERemember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llc2024-04-2625 minFederal Employees Retirement & Benefits Podcast by CD FinancialBuy back your military time - How?This podcast was originally a YouTube video, you can watch that video here: https://youtu.be/_sjSPPPnci8Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llcVisit o...2024-04-1704 minFederal Employees Retirement & Benefits Podcast by CD FinancialIs The Tax Man Stealing Your Retirement?How Can I Get Rid of Taxes? - What Do I Get to Keep In Retirement? - Making a Plan to Get Rid of Uncle Sam & the State! Click this link for a complimentary 15 minute phone call: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call Click the subscribe button and bell to stay up to date! Connect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llcVisit our Website https://cdfinancial.org/Schedule a consultation with Charles to tail...2024-04-1704 minFederal Employees Retirement & Benefits Podcast by CD FinancialFERS Updates April 2024This podcast was originally a YouTube video, you can watch that video here: https://youtu.be/FeZmlEP-t38Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llcVisit o...2024-04-1002 minFederal Employees Retirement & Benefits Podcast by CD FinancialWhy Do I Love What I Do? A Path to Better Health and WealthThis podcast was originally a YouTube video, you can watch that video here: Video Link: https://youtu.be/0jO8C7SNZXoBlog Link: https://medium.com/@CDFinancial/why-do-i-love-what-i-do-a-path-to-better-health-and-wealth-1c299d868c60Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLC2024-04-0318 minFederal Employees Retirement & Benefits Podcast by CD FinancialThe Gap - Federal Benefits to a Written Retirement Income PlanThis podcast was originally a YouTube video, you can watch that video here: Video Link: https://youtu.be/CC-o26wYWbwBlog Link: https://medium.com/@CDFinancial/the-gap-federal-benefits-to-written-retirement-income-plan-6612ff66b7c4Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llc2024-04-0304 minFederal Employees Retirement & Benefits Podcast by CD FinancialFinancial Anxiety vs Written Retirement Income PlanThis podcast was originally a YouTube video, you can watch that video here: https://youtu.be/nskp4yzC4fkRemember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLC2024-03-2004 minFederal Employees Retirement & Benefits Podcast by CD FinancialThe Stock Market is Losing - What Could You Do?Will your retirement income cover all the awesome adventures you have planned?This podcast was originally a YouTube video, you can watch that video here: https://youtu.be/bdTEzfXx9WsRemember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llc2024-03-1303 minFederal Employees Retirement & Benefits Podcast by CD FinancialWhat are my federal benefits? | Should I stay or leave my federal job?One of the things that you want to consider is that, as a federal employee, you have this thing called a pension. You don’t need to work longer; you just need a better plan. Schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callThis podcast was originally a YouTube video, you can watch that video here: https://youtu.be/MVvGsxsg0hYDiscover the importance of considering the federal employee pension and other benefits, which provide a monthly payment separate from TSP. Assess th...2024-03-0614 minFederal Employees Retirement & Benefits Podcast by CD FinancialTraditional vs. Roth Retirement Savings: What's Better for You? Effective Tax Strategy for WealthThis podcast was originally a YouTube video, you can watch that video here: https://youtu.be/UMzK2Fq7ZzERemember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callThe differences between traditional and Roth retirement savings plans. Highlighting the importance of disciplined saving for retirement and the two main ways to save: traditional (pre-tax) and Roth (a...2024-02-2803 minFederal Employees Retirement & Benefits Podcast by CD FinancialDIY Retirement Planning | 3 Things to AvoidYou don’t need to work longer, you just need a better plan. Schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callUnderstanding the Risks and Challenges of DIY InvestingThis video discusses the risks and challenges of Do-It-Yourself (DIY) investing by presenting three major concerns: The potential for mistakes that could jeopardize retirement plans, the burden of managing investments personally, and the lack of testing resources to ensure the viability of investment decisions. Charles emp...2024-02-2107 minFederal Employees Retirement & Benefits Podcast by CD FinancialRetire with Confidence 100th Episode 🎉This podcast was originally a YouTube video, you can watch that video here: Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llcVisit our Website https://cdfinancial.org/Subscribe and Stay Updated:Don't miss o...2024-02-1511 minFederal Employees Retirement & Benefits Podcast by CD FinancialTSP 401K Losses - How To Survive ThemStruggling with TSP or 401k IRA losses? In this essential video, Charles offers expert advice on navigating these challenges with confidence. Discover the importance of having a well-thought-out financial plan to weather market fluctuations and secure your future.In This Video:0:09 Understanding the Importance of a Financial Plan: Learn how splitting your investments between income and growth can provide stability and mitigate risks associated with market losses.0:35 Balancing Your Portfolio: Insights into how you can diversify your investments in stable income funds and growth-oriented stock market funds, avoiding unnecessary risks like penny stocks.0:58...2024-01-3102 minFederal Employees Retirement & Benefits Podcast by CD FinancialYou Did Not Fail... Yet!Are you concerned about your financial future, especially in the face of stock market volatility? In this enlightening video, Charles shares invaluable insights on why sticking to your investment plan is crucial for long-term retirement success. He debunks common myths about retirement savings and offers practical advice for overcoming financial setbacks. Whether you're wondering if your current plan is sufficient or just seeking reassurance during market lows, this video is a must-watch for anyone aiming to build a solid financial foundation. Join Charles as he guides you through the journey of financial resilience and success.2024-01-1904 minFederal Employees Retirement & Benefits Podcast by CD FinancialLeave Without Pay - Why?This week's episode we will be discussing: -Why Pursue Leave Without Pay?-How to Accomplish This?-Helping Someone In Need?Click the subscribe button to stay up to date! We love hearing from you! Please email us with questions or ideas you’d like to have answered each week! Need a question answered or want to prepare for retirement now? Click here and schedule yourself for a 15 minute phone call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube. Cheers, Charles DzamaSupport the show2024-01-0504 minFederal Employees Retirement & Benefits Podcast by CD FinancialShould You Buy a CD?This week's episode we will be discussing: -Do I Really Make 5%?-Could Liquidity Be a Factor?-What Other Tools Could I Use To Compound Interest?Click the subscribe button to stay up to date! We love hearing from you! Please email us with questions or ideas you’d like to have answered each week! Need a question answered or want to prepare for retirement now? Click here and schedule yourself for a 15 minute phone call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube. Cheers, Charles DzamaSupport the show2023-12-2206 minFederal Employees Retirement & Benefits Podcast by CD FinancialDon't Die Young - Part 7This week's episode we will be discussing: -How can a calm heart benefit me?-Can anger effect my life expectancy?-Can I live with more joy?Click the subscribe button to stay up to date! We love hearing from you! Please email us with questions or ideas you’d like to have answered each week! Need a question answered or want to prepare for retirement now? Click here and schedule yourself for a 15 minute phone call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube. Cheers, Charles DzamaSupport the show2023-12-1602 minFederal Employees Retirement & Benefits Podcast by CD FinancialDon't Die Young - Part 6DEALING WITH TRAUMAIs Trauma Impacting My Health?Can I Dump My Mental Trash?How To Move Forward?Click the subscribe button to stay up to date! We love hearing from you! Please email us with questions or ideas you’d like to have answered each week! Need a question answered or want to prepare for retirement now? Click here and schedule yourself for a 15 minute phone call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube. Cheers, Charles DzamaSupport the show2023-11-3005 minFederal Employees Retirement & Benefits Podcast by CD FinancialDon't Die Young - Part 5This week's episode we will be discussing:- How does aging change our activities?- What is left-right patterning and how can it help me?- How can resting help me stay active? Click the subscribe button to stay up to date!We love hearing from you! Please email us with questions or ideas you’d like to have answered each week!Need a question answered or want to prepare for retirement now? Click on the icon below and schedule yourself for a 15 minute phone call...2023-11-0204 minFederal Employees Retirement & Benefits Podcast by CD FinancialDon't Die Young - Part 4This week's episode we will be discussing:- How important is hydration?- What common food pitfalls should we avoid?- Does organic really make a difference? Click the subscribe button to stay up to date!We love hearing from you! Please email us with questions or ideas you’d like to have answered each week!Need a question answered or want to prepare for retirement now? Click on the icon below and schedule yourself for a 15 minute phone call.Cheers,2023-10-2607 min
Federal Employees Retirement & Benefits Podcast by CD FinancialTSP Roth - Why? How?What are the advantages of a TSP Roth? How do you utilize these? Charles explains in this episodeTo schedule a phone consultation with our office, click the link below:https://calendly.com/charlesdzama/sm_15mintc Check us out on social media!Facebook: https://www.facebook.com/CDFinancialLLCInstagram: https://www.instagram.com/cdfinancial.llc/Twitter: https://twitter.com/CDFinancial_LLCLinkedIn: https://www.linkedin.com/company/cd-financial-llc/CD Financial is a registered investment adviser. Lic #0G46793Investing involves risk, including the potential loss of principal. Any ref...2022-12-0302 minFederal Employees Retirement & Benefits Podcast by CD FinancialFederal Long Term CareCharles Dzama tells you what you need to know about Federal Long Term Care... the pros and cons.To schedule a phone consultation with our office, click the link below:https://calendly.com/charlesdzama/sm_15mintc Check us out on social media!Facebook: https://www.facebook.com/CDFinancialLLCInstagram: https://www.instagram.com/cdfinancial.llc/Twitter: https://twitter.com/CDFinancial_LLCLinkedIn: https://www.linkedin.com/company/cd-financial-llc/CD Financial is a registered investment adviser. Lic #0G46793Investing involves risk, including the potential loss of principal. Any r...2022-10-3103 min
Federal Employees Retirement & Benefits Podcast by CD FinancialAllocating Your TSPIf risk equals growth, can you maximize growth and still play it safe with your income? Charles explains in this episode.To schedule a phone consultation with our office, click the link below:https://calendly.com/charlesdzama/sm_15mintc Check us out on social media!Facebook: https://www.facebook.com/CDFinancialLLCInstagram: https://www.instagram.com/cdfinancial.llc/Twitter: https://twitter.com/CDFinancial_LLCLinkedIn: https://www.linkedin.com/company/cd-financial-llc/CD Financial is a registered investment adviser. Lic #0G46793Investing involves risk, including the potential loss o...2022-10-2002 min
Federal Employees Retirement & Benefits Podcast by CD FinancialShould You Buy Back Your Military Time?This week we explore the following questions that often times get asked of me during our federal retirement training:- "Charles, Should I Buy Back My Military Time??"- How Does It Impact My Federal Pension?- Is There a Deadline?Find us on Facebook!https://www.facebook.com/CDFinancialLLCOur Site:https://cdfinancial.org/CD Financial is a registered investment adviser. Lic #0G46793Investing involves risk, including the potential loss of principal. Any references to protection benefits generally refer to fixed insurance products...2022-09-0903 min
Federal Employees Retirement & Benefits Podcast by CD FinancialHow are FERS Benefits Taxed?What percentage of your FERS benefits is taxed? What percentage is tax free? Charles Dzama explains in this episode.To schedule a phone consultation with our office, click the link below:https://calendly.com/charlesdzama/sm_15mintc Check us out on social media!Facebook: https://www.facebook.com/CDFinancialLLCInstagram: https://www.instagram.com/cdfinancial.llc/Twitter: https://twitter.com/CDFinancial_LLCLinkedIn: https://www.linkedin.com/company/cd-financial-llc/CD Financial is a registered investment adviser. Lic #0G46793Investing involves risk, including the potential loss of principal. A...2022-08-2501 min