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“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 – Tax-Deferred Alternatives: Multi-Year Annuities (MYA) – How these stacked deferrals can offer higher effective returns.
2:55 – Balancing Liquidity and Risk – Strategically using annuities vs. keeping cash on hand.
3:19 – Index Funds vs. Mutual Funds – Why ETFs and long-term holdings can be more tax-efficient than daily-rebalancing mutual funds.
4:30 – Real Estate in the Mix – Considering rental properties like a SoCal triplex for diversification and tax benefits.
5:17 – Emergency Fund Strategy – How much cash is truly necessary—6 to 8 months or more for remodels or renovations.
5:51 – Working with a Fiduciary – Why specialized help matters, especially for federal employees.
6:37 – Roth Contributions as an Alternative – Funding Roth IRAs or Roth TSPs for tax-free growth.
7:10 – Leveraging Roth TSP/401(k) – The long-term benefits of Roth accounts for you and your heirs.
7:44 – Wrap-Up & How to Reach Us – Learn more, schedule a call, and remember—it’s not about working longer, it's about planning smarter.

Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

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