Federal Employees Retirement & Benefits Podcast by CD Financial

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Are you truly ready to retire? This episode of the CD Financial Podcast dives into key questions about eligibility and financial management, helping you to understand the path to getting ready for retirement. We discuss essential aspects of retirement planning to ensure your financial planning is robust.

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Are you truly retirement ready — financially secure, lifestyle-aligned, and prepared for life after work? Learn the key retirement planning questions and readiness checklist every pre-retiree should ask to avoid blind spots and achieve confidence in retirement.

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👋 WHO ARE WE?
CD Financial helps federal e...

Federal Employee Health Benefits (FEHB) & Medicare Part B Explained: What Every Federal Worker and Retiree Must Know in 2025” — get the facts on FEHB cost changes, Medicare coordination, and retirement health planning to avoid unnecessary premium spending and coverage gaps. Discover whether combining FEHB with Medicare Part B or supplements makes sense for you. 👇

Understanding how FEHB works with Medicare Part B and retirement is one of the most important financial planning decisions federal employees face — and it can save you thousands in premiums and out-of-pocket costs.

🔗 LINKS & RESOURCES
Federal Benefits Open Season Info: https://www.opm.gov...

Comparing Federal Employees Health Benefits (FEHB) coverage with Medicare Part B + Supplement helps retirees balance premiums, deductibles, and out-of-pocket costs while maximizing access to care.

FEHB + Part B or Medicare Part B with a Supplement — What’s the smarter retirement healthcare move for federal employees and retirees navigating rising FEHB costs and Medicare decisions? Discover how FEHB coordinates with Medicare, when Medicare Part B makes sense, and why dual coverage can change your out-of-pocket risk in retirement. 👉 Tap “Show More” to uncover key healthcare planning strategies for federal annuitants.

OPM Medicare vs FEHB Official Info: https://www...

Most people never talk about the retirement income gap — the difference between what you think you’ll need and what you actually have saved, and that’s exactly why most retirements fall short.

Using disciplined retirement strategies like dollar cost averaging and optimizing employer matches can dramatically improve your long-term success.

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CD Financ...

“I wish I knew earlier that starting saving and investing young turbo-charges your future wealth through compound growth, better retirement planning, and smarter money decisions.”

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“Start your Roth IRA early, let compound interest work, and build an investment plan that grows with you — because time is your greatest financial advantage.”

Building wealth isn’t about how much you make — it’s about when you start and what you do consistently. Studies show that early investing gives your contribu...

2026 TSP and 401(k) contribution limits just increased—here’s how much you can put away, what catch-up really means, and how to set your payroll so you don’t miss it.
If you’ve heard the “15% max” myth or you’re unsure whether you’re actually doing catch-up contributions, this episode clears it up—fast.

🔗 LINKS & RESOURCES
IRS: 401(k) limit increases to $24,500 for 2026; IRA limit increases to $7,500:
https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500

TSP Bulletin: 2026 TSP contribution limits:
https://www.tsp.gov/bulletins/25-3/

General reference: IRA contribution limits...

Max retirement contributions just got bigger in 2026 — $24,500 elective limit plus expanded catch-up contributions for federal TSP and 401(k) plans.

2026 contribution limits for TSP and 401(k)/403(b) increase — here’s how to make the most of your elective deferrals and catch-up contributions.

🔥 Curious how these IRS changes affect your federal benefits, TSP retirement strategy, and catch-up planning? 

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In this important discussion, we focus on "long term care awareness", especially relevant during Long-Term Care Awareness Month. We examine the critical aspects of "long term care" and effective "financial planning" strategies that align with a minimalist approach to "personal finance". Learn practical insights on "how to save money", drawing from a thoughtful, careful spending philosophy.

PS. Asset-based long-term care combines care coverage with savings or life insurance, so you don’t risk wasting premiums if you never need care.

Do You Have Questions? Scheduele a FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube Duration: 00:30:52

In this important discussion, we focus on "long term care awareness", especially relevant during Long-Term Care Awareness Month. We examine the critical aspects of "long term care" and effective "financial planning" strategies that align with a minimalist approach to "personal finance". Learn practical insights on "how to save money", drawing from a thoughtful, careful spending philosophy.

PS. Asset-based long-term care combines care coverage with savings or life insurance, so you don’t risk wasting premiums if you never need care.

Do You Have Questions? Scheduele a FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube Duration: 00:05:51

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 unfairness of the new rules. Additionally, they provide insights into how these changes may affect cash flow and retirement planning, concluding with a health tip...

For high income earners, new rules for 2025 mean you might not be able to put your catch-up money into tax-deferred or traditional TSP or 401k for that matter. This video breaks down what this means for your retirement planning and highlights the importance of understanding these changes. Understanding these new rules is crucial for maximizing your tax benefits and managing your retirement accounts effectively.

High-income earners risk losing the traditional tax break on catch-up contributions — and the 2026 Roth-only rule can change your retirement strategy entirely.

🔗 LINKS & RESOURCES
IRS official update on catch-up contributions: https://www.i...

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 government shutdown lasted 43 days, the longest in history.
1.4 million employees were unpaid during the shutdown.
Essential employees had...

If you’re done working in uncertain shutdown-zones instead of on your own terms, now’s the time to lock in your retirement freedom— the longest federal shutdown in history just highlighted what it means to wait.

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CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strat...

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.

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Your FERS pension and Social Security are...

Unlock the most overlooked Thrift Savings Plan (TSP) strategies for federal retirees! This video covers three powerful—but often missed—TSP retirement options that can increase your financial security. Discover:

The unique benefits and risks of TSP annuitization

Smart TSP withdrawal strategies for lasting retirement income

How to avoid costly mistakes with TSP rollovers

Whether you’re a federal employee or near retirement, you’ll get actionable insights to make confident decisions for your future.

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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:

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CD Financial helps federal employees, retirees, and business owners create sustainable, tax-smart...

Confused about why your Medicare Part B premium is higher? Discover how IRMAA (Income-Related Monthly Adjustment Amount) impacts your Medicare costs and what federal employees and retirees can do about higher premiums. This video covers:

What is IRMAA and why it matters for Medicare Part B & D

How taxes affect your Medicare premiums and retirement budget

Planning strategies for federal retirees, including FERS, TSP, Social Security

Real-world tips on managing healthcare costs and avoiding surprises
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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

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Are you a federal retiree still waiting for your first pension check? You’re not alone—delays at OPM are leaving thousands in financial limbo. In this video, learn bridge strategies to cover expenses, avoid financial hardship, and what steps you can take now if your federal retirement payment is late.

Your pension check might not be processed—so what are you going to do when no pension checks are being processed?

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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.

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⏱ TIMESTAMPS
0:00 Intro - Why Use a Financial Adv...

When the government stops, your bills don’t. Learn how to stay financially steady during a federal shutdown and protect your essentials.

When federal paychecks pause, preparation becomes protection. Here’s how to manage bills, cash flow, and peace of mind through a government shutdown.

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CD Financial helps federal em...

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 thresholds instead of getting surprised.

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Your pension check hasn’t arrived yet — and it’s been months?
That’s not a rare story anymore. Federal retirement delays are real, and it’s time to prepare for them. OPM processing times have stretched far beyond the traditional six to eight weeks, and thousands of retirees are waiting much longer for their first payment.

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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?
✅ How shutdown affects your pay, benefits, and retirement
✅ Steps to protect your federal career today
✅ Expert insights from f...

How will the 2025 government shutdown impact federal employees, retirees, and those receiving Social Security? In this urgent update, CD Financial unpacks the latest on furloughs, layoffs, and Reduction in Force (RIF)—plus what steps you need to take right now.

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A reduction in force (RIF) during the 2025 federal shutdown may allow some to claim discontinued service retirement under strict rules.

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Linke...

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.

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⏱ TIMESTAMPS
0:00 – Intro
0:57 – ORA Overview
1:39 – Why the Switch to ORA
3:5...

🚨 Government Shutdown URGENT Update: How will your paycheck, benefits, and retirement be impacted? Millions of federal employees and retirees are searching for answers—CD Financial reveals what most people miss (and how to protect your income right now).

👇 Have a question or personal concern? Comment below—real answers from our team!

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How will the October 2025 government shutdown impact federal employees, retirees, and Social Security recipients? In this video, CD Financial breaks down what you can expect, tips to protect your income, how to bridge financial gaps, and updates on benefits. Get expert retirement and financial planning strategies tailored to the federal workforce. 

🔔 Subscribe for weekly insights on retirement, tax planning, TSP, FERS, and Social Security. 
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⏱ TIMESTAMPS
0:00 Government Shutdown 2025 – Why This One Is Different
0:24 Job Cuts...

A financial advisor doesn’t just manage your investments — they design a roadmap to your goals, protect your lifetime income, and adapt your plan when life changes.

🔔 Don’t forget to Subscribe and tap the bell for weekly insights on financial planning, retirement, tax strategy, and more.

A truly fiduciary financial advisor builds personalized retirement income strategies, handles tax planning, and ensures your portfolio adjusts to life’s changes.

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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.

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👋 WHO AM I?
CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TS...

Don’t let inflation erode your retirement — this video shows you how you can protect your 2025 Federal Pension COLA for income liquidity from day one.

By rolling over a portion of your TSP into an IRA before retirement and having liquid funds in place, you can increase the quality of the first few months of retirement without delays in your pension COLA or benefits.

🔗 LINKS & RESOURCES
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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.

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Mentioned in the Video:
TSP Funds (C, S, I, G): https://www.tsp.gov/
Social Security basics: http...

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
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👋 WHO WE ARE
CD...

How to survive a delayed federal retirement pension check? Avoid financial ruin by building your bridge plan now.

Many federal retirees are shocked to find that not only is the regular pension delayed for months, but even the first estimated check may be missing — you need a bridge strategy in place so you aren’t left without income.

This channel helps federal employees and retirees protect their financial security by providing clear retirement planning strategies, income-gap solutions, and the tools you need to transition into retirement with confidence. Subscribe for expert guidance, real stories, and acti...

“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 but getting back up in retirement
4:09 – Why retirees must pay attention to recessions and sequence of returns risk
6:26 – “Do’s vs. Don’ts”: The dangers of pulling...

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/dza...

“You don’t need to work longer, you just need a better plan.”

⌚ Timestamps / Chapters
0:00 – Introduction: Holding Too Much Cash? – Charles introduces the question: is your money sitting idly—and losing value?
0:40 – The Comfort vs. Inflation Trap – Why that “feel-good” bank balance may actually be shrinking in real terms.
0:59 – Real Yield After Taxes – The sting of a 33.3% total tax drag on interest income.
1:33 –...

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 Uncle Joe’s Last Acts
2:08 – What Were WEP & GPO and Why Did They Exist?
3:24 – Who Was Impacted: CSRS, Teachers, Police, Fire, Railro...

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.”

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🔗 LINKS MENTIONED
Free Events & Webinars: https://cdfinancial.org/attend-an-event/
Schedule with Charles: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

⚙️ MY FREE WEBINARS Duration: 00:26:34

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

"Federal job rehiring isn’t just about a paycheck—it’s about purpose, security, and knowing if going back is the right move for your future."

💌 Sign up to my free weekly email newsletter
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🔗 LINKS MENTIONED

Schedule Your Complimentary Consultation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

Attend My Free Webinars...

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

“Returning to federal service? Your prior years still count—if you didn’t take a refund, you keep that service credited.”

💌 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 Insights:
Twitter: CDFinancial_LLC
Instagram: CDfinancial.llc
Facebook...

What happens if I get hired back? A supplemental annuity?
What is a Redetermined Annuity? Five years might be big! What’s the catch?  Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

“Maximizing your federal pension by understanding supplemental annuities when rehired”

⌚️ Timestamps
0:00 – Can I get hired back to my federal job? The kicker explained  
0:24 – How supplements work if you return while collecting a pension  
0:46 – What happens if you haven’t built your “high‑3” salary average  
1:14 – The impact of 5 years of rehire: redetermined...

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 – Don't Be Anxious About Tomorrow
8:44 – What You Have Today Might Be All You Need
11:00 – Staying...

“Use the Rule of 100 to assess your risk tolerance and ensure your retirement income remains stable.”

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Facebook: /CDFinancialLLC
LinkedIn: /cd-financial-llc

⌚️ Timestamps
0:00 – Introduction & What the Rule of 100 Means
0:31 – How the SEC Supports the Rule of 100 (100 minus your age)
0:57 – Why CD Financial finds Rule of 100 too conservative
1:32 – Income‑first approach for retirees: Why volatility...

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.”

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Connect with CD Financial for More Insights:
Twitter: /CDFinancial_LLC
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Facebook: /CDFinancialLLC
LinkedIn: /cd-financial-llc

👋 WHO AM I?
I’m Ch...

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

“One Big Beautiful Bill: What It Means for Your Wallet and Your Family”

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Twitter: /CDFinancial_LLC
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Facebook: /CDFinancialLLC
LinkedIn: /cd-financial-llc

⌚️Timestamps

0:0...

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.”

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Connect with CD Financial for More Insights:
Twitter: /CDFinancial_LLC
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Facebook: /CDFinancialLLC
LinkedIn: /cd-fin...

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

“Your FEHB doesn’t really get more expensive in retirement — it just changes from biweekly to monthly payments, and that simple shift trips up a lot of retirees.”

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🔗 LINKS MENTIONED
▶️ FEHB Open Season Video – How to compare plans: https://youtu.be/QvMDKfsFXLg
▶️ Survivor Benefit E...

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:
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"Pay less in retirement taxes—because every dollar you keep is a dollar that can work for your future."

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🔗 LINKS MENTIONED

Free Tax Planning Webinar: https://cdfinancial.org/attend-an-event/

IRS Tax Resources: https://www.irs.gov/retirement-plans

TSP Inform...

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:
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“Submitting your retirement packet early is the smartest way to avoid a delayed first pension check.”

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Complimentary Retirement Packet Review Call:
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Connect with CD Financial for...

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:
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"Will your pension, Social Security, and TSP really be enough to maintain your lifestyle in retirement?"

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🔗 LINKS MENTIONED

Institute for the Achievement of Human Potential: https://iahp.org

GRB Platform (Pension Estimate Reference)
In-N-Out Burger: https://www.in-n-out.com
...

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:
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You can retire confidently when you have a plan... but who is processing your paperwork—and why it matters more than ever?

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🔗 LINKS MENTIONED
OPM Retirement Center: https://www.opm.gov/retirement-services/

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Conne...

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."

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🔗 LINKS MENTIONED
▶️ How Survivor Benefits Work: https://cdfinancial.org/survivor-benefit-guide
📘 Retirement Toolkit: https://cdfinancial.org/tools

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https...

“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:
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Why federal employees get bad financial advice – and what to do instead

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🔗 LINKS MENTIONED
• Medicare Part B and federal retirees video:https://www.youtube.c...

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

"Eventually, your retirement will get processed… unfortunately, ‘eventually’ might be a lot longer than you thought."

Chapters
0:00 - Introduction: Will your retirement actually get processed?
0:30 - The disappearing retirement counselors
2:15 - A heartbreaking client story from the Treasury
3:13 - Real-time retirement guidance via Zoom
6:45 - The silent crisis: HR departments are overwhelmed
8:44 - False sense of security: Who’s re...

You don’t need to work longer—you just need a better plan.
 Book your complimentary consultation to design a strategy aligned with your retirement goals:
👉 https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call  

📽️ About This Video
If you're a federal employee nearing retirement, don't cancel your FEGLI benefits too soon. In this video, Charles explains the real cost of giving up Basic Group Life Insurance and walks you through smarter reduction strategies.
Quote: "Financial security doesn't always mean adding more—sometimes it means preserving what you've already earned."  

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