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

“Inflation doesn’t care if you’re retired—make sure your money does.”

Chapters
00:00 - DRP & VERA Offer Window: April 7–14
00:33 - Who Qualifies?
00:56 - When You Get the Pension vs. SRS Start
01:33 - Why COLAs (Cost of Living Adjustments) Matter
02:05 - The DoD Email Explained
04:58 - Inflation Story: $20 Then vs. Now
06:30 - Make a Plan

Connect with CD Financial for More Insights:

Twitter: /CDFinancial_LLC
Instagram: /CDfinancial.llc
Facebook: /CDFinancialLLC
LinkedIn: /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 advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

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.

Support the show

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

"It's one thing to have investments—it's a whole other thing to have a written, reliable retirement plan."

Chapters
0:00 - Podcast Introduction
0:30 - Teaser: The Mysterious Mexican Experience
2:15 - Gold Treasure Maps and Stock Market Fears
3:13 - What Should I Do When the Market Drops?
6:45 - Dollar Cost Averaging Explained
8:44 - Rebalancing and Buying Stocks on Sale
11:00 - Laying the Financial Foundation
12:10 - Separating Safety from Growth in Your TSP
13:23 - Creating Income Without Market Risk
18:35 - Coaches, Game Plans, and Retirement Strategy
21:40 - Health Tip: Don't Freak Out
23:00 - Final Reflections and Takeaways

Connect with CD Financial for More Insights:

Twitter: /CDFinancial_LLC
Instagram: /CDfinancial.llc
Facebook: /CDFinancialLLC
LinkedIn: /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 advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

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.

Support the show

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 most important decision you make ..."

Chapters 
0:00 - Introduction
0:10 - Take a VERA or Wait?
1:30 What's a DSR?

Connect with CD Financial for More Insights:

Twitter: /CDFinancial_LLC
Instagram: /CDfinancial.llc
Facebook: /CDFinancialLLC
LinkedIn: /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 advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

#RetirementPlanning #OpenSeason2024 #FEHB #FederalEmployees #HealthInsurance #Podcast #FinancialWellness #CDFinancial #HealthMeetsWealth #InsuranceComparison

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.

Support the show

Support the show

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_LLC
Instagram: /CDfinancial.llc
Facebook: /CDFinancialLLC
LinkedIn: /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 advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

#RetirementPlanning #DSR #RIF #FederalEmployees #CDFinancial #HealthMeetsWealth #Explained #FederalEmployees

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.

Support the show

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 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 the fence or facing a RIF (Reduction in Force).

Chapters
0:00 - What is VSIP, and who qualifies
0:36 - The real value of $25,000 after taxes
1:18 - Should you accept VSIP if you’re already planning to retire?
1:35 - Why having a plan matters
2:22 - A real scenario: Air Force couple facing uncertainty - Why written income plans make a difference
3:11 - Making yourself financially bulletproof

Connect with CD Financial for More Insights:

Twitter: /CDFinancial_LLC
Instagram: /CDfinancial.llc
Facebook: /CDFinancialLLC
LinkedIn: /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 advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

#RetirementPlanning #VSIP #FederalRetirement #FERS #DoD #FinancialAdvice #TSP #RIF #IncomePlanning 

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.

Support the show

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

"Understanding the 5-year rules in your federal benefits could mean the difference between keeping or losing critical coverage in retirement."

Chapters
0:00 - Podcast Introduction
1:09 - What Are the 5-Year Rules?
2:03 - The Federal Employees' Group Life Insurance (FEGLI) Rule
8:11 - Keeping Your FEHB in Retirement
10:30 - Roth TSP & the 5-Year Rule – What You Should Know
13:40 - Recap & Next Steps
15:00 - Health Tip – Don’t Believe Every Headline

Connect with CD Financial for More Insights:

Twitter: /CDFinancial_LLC
Instagram: /CDfinancial.llc
Facebook: /CDFinancialLLC
LinkedIn: /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 advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

#RetirementPlanning #FERS #TSP #FinancialSecurity #InvestmentStrategy #FederalBenefits #EarlyRetirement #Podcast

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.

Support the show

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

FREE 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."

Chapters
0:00 - 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 You
3:00 - How to Secure Your Pension in an Uncertain Future
4:08 - Why Having a Retirement Plan Shields You from Uncertainty

Connect with CD Financial for More Insights:

Twitter: /CDFinancial_LLC
Instagram: /CDfinancial.llc
Facebook: /CDFinancialLLC
LinkedIn: /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 advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

#RetirementPlanning #FederalBenefits #FERS #401K #FinancialAdvice #InvestmentStrategy #TSP #SocialSecurity #Pension #Retirement

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.

Support the show

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  

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 
10:22 - How Being in Office Can Boost Your Career 
18:03 - Overcoming Commute Challenges - Mindset Shift: Seeing the Opportunity 
21:50 - Health Tip: Stop Worrying & Focus on Your Goals 
23:00 - Recap & Final Thoughts  

Connect with CD Financial for More Insights:  
Twitter: /CDFinancial_LLC Instagram: /CDfinancial.llc Facebook: /CDFinancialLLC LinkedIn: /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 advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call  

#RetirementPlanning #FederalEmployees #OfficeReturn #FinancialAdvice #InvestmentStrategy #TSP #FERS #WealthManagement #CDFinancial #Podcast

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.

Support the show

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."

Chapters
0:00 - 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: /CDFinancial_LLC
Instagram: /CDfinancial.llc
Facebook: /CDFinancialLLC
LinkedIn: /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 advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

#RetirementPlanning #OpenSeason2024 #FEHB #FederalEmployees #HealthInsurance #Podcast #FinancialWellness #CDFinancial #HealthMeetsWealth #InsuranceComparison

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.

Support the show