Claim OwnershipFederal Employees Retirement & Benefits Podcast by CD Financial
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© 2025 Federal Employees Retirement & Benefits Podcast by CD Financial
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The objective of this podcast is to educate and enlighten you about your federal benefits and to guide you in creating a well-formed retirement income plan.
Schedule your complimentary 15-minute phone call today! https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call
222 Episodes
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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 "The only way your spouse keeps FEHB after you die is by electing the survivor benefit—don’t make this avoidable mistake." 💌 Sign up to my free weekly email newsletter: https://cdfinancial.org/media/#newsletter 🔗 LINKS MENTIONED ▶️ How Survivor Benefits Work: ...
“Not all financial advice is created equal — and for federal employees, the wrong advice can cost you thousands.” 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 Why federal employees get bad financial advice – and what to do instead 💌 Sign up to my free weekly email newsletter https://cdfinancial.org/media...
In this episode of the CD Financial Podcast, Chuck D and Marcus C delve into the implications of the new Secure Act 2.0, particularly focusing on catch-up contributions to retirement accounts. They discuss the differences between Roth and traditional contributions, the tax implications of forced Roth contributions, and the concerns that high earners may have regarding their tax bills. The conversation also touches on the challenges of payroll setup for federal employees and the perceived unfa...
In this episode, Chuck D and Marcus C discuss the recent government shutdown, its effects on employees and retirees, and the importance of having a financial plan. They explore the challenges faced by those returning to work, the uncertainty for retirees, and the mental health benefits of planning and communication in relationships. The conversation emphasizes the need for preparation in the face of potential future shutdowns and the value of having a solid strategy for retirement. The gover...
Should you leave your Thrift Savings Plan (TSP) untouched, roll it to an IRA, or turn it into a lifetime income stream? In this episode, we break down the real-world pros and cons of each TSP retirement option so you don’t accidentally trade away flexibility, tax control, or your spouse’s future security. Most federal employees pick the “simple” choice with TSP—and it can quietly cost them in taxes and lost options later. 👉 FREE 15-minute call: https://calendly.com/charlesdzama/complimentary...
Discover how charitable donations can maximize your tax benefits and support causes you care about. In this video, we unpack: Strategies for effective charitable giving Tax deductions for retirees and business owners Donor-advised funds and philanthropy tips Common mistakes to avoid when giving IRS rules and documentation best practices Key Links & Resources: Book a FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube Subscribe for weekly t...
Curious about how financial advisors actually earn their income—especially for federal employees and retirees? This video demystifies how advisors are paid, explains fee structures, and helps you choose the best financial guidance for your retirement planning. KEY TOPICS COVERED: Financial advisor fees explained Commission, fee-only, and hybrid models Pros and cons for federal employees and retirees 401K, FERS, TSP, Social Security timing tips How to avoid common advisor pitfalls 🔗 LINKS &a...
Should you work with a financial advisor? Discover when hiring a certified financial planner makes sense for federal employees and retirees—and when DIY investing might be enough. Learn the real value a fiduciary financial advisor brings to your retirement planning, from tax-smart strategies to FERS benefits optimization. Whether you're nearing retirement or managing TSP withdrawals, this guide covers what to expect when working with a professional advisor. 🔗 LINKS & RESOURCES 📞 FREE 15...
Medicare Part B premium costs can jump because of IRMAA (Income-Related Monthly Adjustment Amount) when your MAGI crosses key thresholds—especially for federal retirees with pensions, Social Security, and RMDs. Learn how timing, Roth conversions, and TRICARE for Life choices can influence your Medicare Part B and Part D costs without panic or fear-mongering. IRMAA isn’t a penalty—it’s a higher Medicare Part B and D premium triggered by income. With smart tax planning, you can navigate the th...
Is your federal job at risk? Learn everything about the 2025 government shutdown, Reduction in Force (RIF), furloughs, and how they impact federal employees with expert Ann Vanderol. This urgent breakdown covers what you need to know RIGHT NOW to protect your career, benefits, and retirement. 🚨 2025 Federal Shutdown & RIF Critical Topics: ✅ What is a Reduction in Force (RIF) and how does it work? ✅ Difference between furloughs, layoffs, and RIF ✅ Which federal employees are most at risk?...
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. 🔗 LINKS & RESOURCES FREE 15-minute call: https://calendly.com/charlesdzama/com... Newsletter: ht...
When should you retire—62, 65, or 67? The right decision could mean a bigger pension, stronger Social Security benefits, and more years to enjoy your retirement income. 🔗 LINKS & RESOURCES FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube Newsletter: https://cdfinancial.com/newsletter Free Resources Library: https://cdfinancial.com/resources Socials: Instagram: https://instagram.com/cdfinancial.llc/ Facebook: https://facebook.com/cdfinanci...
DIY retirement income often fails not because of market drops—but because emotional selling, poor tax planning, and wrong withdrawal timing silently drain your savings. For many DIY retirees, the fatal five are market corrections, shifting from accumulation to income without a strategy, lack of access to durable income instruments, mismanaged tax implications, and uncertainty about whether their money will last through retirement. 🔗 LINKS & RESOURCES 👉 Schedule a free 15-minute call htt...
Don’t run out of money before you run out of life—build a written retirement income plan you can count on. Large, poorly timed withdrawals and RMD surprises can wreck a portfolio—separate income from growth and let a tax plan, not emotions, drive your decisions. 🔗 LINKS & RESOURCES 👉 Schedule a free 15-minute call https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube Newsletter: https://cdfinancial.com/newsletter Free Resources Library: https://cdfinancial.com/res...
“Lead a charted retirement course by separating income assets from growth assets for true recession‑proof peace of mind.” 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 Chapters 0:00 – Welcome & intro: What does "recession-proof your retirement" really mean? 0:46 – Chuck’s ocean swimming analogy – being knocked down bu...
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 “The Social Security Fairness Act ensures fairness for public servants who planned wisely in their careers — they should never be penalized for planning well.” ⌚ Timestamps 0:00 – Introduction: What Is the Social Security Fairness Act? 0:36 – Storytime: From VCRs and Blockbuster to...
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 “The Big Beautiful Bill is putting more money in your pocket—through bigger deductions, senior benefits, and opportunities to turn tax savings into retirement freedom.” 💌 Sign up to my free weekly email newsletter https://cdfinancial.org/media/#newsletter 🔗 LINKS MENTIONED Free Eve...
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 "Everything’s going to be all right. You won’t be left destitute. You’ve got people who care." Chapters 0:00 – Podcast Introduction 0:30 – The Power of Decency & Brisket for the Soul 2:15 – Mental Health in Retirement Transitions 3:13 – When You Feel Anxious, We Feel It Too 6:45...
You don’t need to work longer, you just need a better plan. Schedule a consultation here to tailor a retirement plan aligned with your purpose and health: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call “Find your health‑style in retirement—keep moving your body, mind, and heart.” 💌 Sign up to my free weekly email newsletter https://cdfinancial.org/media/#newsletter ⚙️ MY FREE WEBINARS https://cdfinancial.org/attend-an-event/ Connect with CD Financial for More ...
Want help making your cash actually work for you? Schedule a complimentary consultation to tailor a plan that fits your unique financial landscape: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call “Don’t let inflation silently erode your savings—build a tax-smart plan so your cash isn’t just sitting there losing value.” 💌 Sign up for my free weekly email newsletter: https://cdfinancial.org/media/#newsletter ⚙️ MY FREE WEBINARS https://cdfinancial.org/attend-an-ev...
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