By Charles Dzama
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.
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33 ratings
The podcast currently has 118 episodes available.
You 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 Introduction
3:05 - Understanding the Retirement Landscape
4:44 - Key Federal Benefits to Know
6:45 - The Importance of Suspending Over Cancelling
7:33 - Social Security Strategies
9:20 - Navigating FEHB and Medicare Options Based on Location
10:20 - Income Streams After Retirement
13:30 - 10% Penalty Explained - Estate Planning Essentials
17:00 - Reducing Financial Risks in Retirement
23:35 - Health and Wellness Tip for Retirees
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 vital financial insights. Subscribe for weekly advice on securing your retirement and achieving lasting peace of mind.
Get More from CD Financial: Looking for customized advice? Schedule a consultation with Charles to design a financial plan that supports your unique vision. https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call
#RetirementPlanning #FERS #TSP #FederalEmployees #FinancialAdvice #InvestmentStrategy #EstatePlanning #Medicare #SocialSecurity #CDFinancial
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
"Turn unused income into a legacy – investing your extra pension for tomorrow."
Chapters:
0:00 - Intro
0:18 - 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 a Roth TSP: What It Means for You
4:44 - Starting Your Roth Clock: The 5-Year Rule - Avoiding the IRS and State Taxes on Growth
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 #PensionPlanning #TaxFreeIncome #Investment
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 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 Study
1:15 - 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 - Strategies for Using Partial Months - Maximizing Sick Leave Credit
3:50 - Annual Leave Taxation Overview - Carrying Over Annual Leave to the Next Year
4:40 - Recap and 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
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.
#RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategy #podcast #financialadvice #retirementstrategy #federalemployees #federalbenefits
Support the show
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]
Chapters
0:00 - Podcast Introduction
0:45 - Welcome and Background
2:30 - Historical Context
7:45 -The American Dream from the 50s The Old CSRS
9:12 - TSP I-Fund: Why It Needed a Redesign
11:05 - New Index and Emerging Markets - What Changed?
14:02 - How Changes Affect Long-Term Returns on the I Fund (43 Countries)
16:45 - Why High Risk May Not Always Equal High-Reward
12:40 - Strategy Considerations for TSP Investors
15:15 - Tailoring Your Own Lifecycle Fund
20:27 - Health Tip: Staying Nimble and Active
22:22 - Recap and Closing Thoughts
Connect with CD Financial for More Insights:
Twitter: @CDFinancial_LLC
Instagram: @CDfinancial.llc
Facebook: CD Financial LLC
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: [Insert Link Here]
Source: https://www.tsp.gov/funds-lifecycle/l-2070/
#RetirementPlanning #FederalRetirement #TSP #InvestmentStrategy #FinancialWellness #podcast #CDFinancial
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 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."
Chapters
0:00 - How Elections Impact the Market - Key Risks During Presidential Elections
1:11 - How Markets React to New Administrations - The Impact of Higher Taxes on TSP
2:10 - Safe Options for Retirement Income - Building Stability in Your TSP Plan
3:03 - Value Stocks During Election Cycles - Preparing for Market Volatility
Source: https://us.etrade.com/knowledge/library/perspectives/daily-insights/election-stock-patterns
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 #TSP401K #FinancialAdvice #InvestmentStrategy #Podcast #ElectionImpact #WealthBuilding #FinancialSecurity #CDFinancial #RetireConfident
Support the show
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
"Facing the unknown isn’t about predicting the future—it's about preparing for it with clarity and confidence."
Chapters
0:00 - Podcast Introduction
1:00 - Florida's Food
8:33 - Why Uncertainty Impacts Retirees
9:45 - Market Fluctuations: What To Expect
13:20 - The Role of Fiscal Policy
14:34 - TSP, 401Ks, and Economic Trends
19:20 - Adjusting Your Investment Strategy - Creating Certainty Amid Uncertainty
23:52 - Foundation of a Solid Retirement Plan
28:35 - Knowing When to Rebalance
32:23 - Health Tip: Walk After Your Meal
33:00 - Recap
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.
#RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategy #podcast #financialadvice
Support the show
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."
Chapters
0:00 - The $1 Million Retirement Question
1:10 - Gross vs. Net Income Explained - Understanding Your Federal Pension Net Amount
2:00 - Calculating Your Social Security Payments & The 4% Rule: Is It Enough?
3:15 - Adjusting for Taxes and Healthcare Costs - State Taxes and Their Impact
3:50 - How Much Do You Need to Retire? - Tips for Calculating Your Monthly Expenses
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.
#RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategy #podcast #financialadvice
Support the show
Watch the video here: https://youtu.be/H7hxYj7phW0
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
"Understanding your costs is the first step in controlling your financial future."
Chapters:
0:00 - Podcast Introduction
5:33 - What is the True Cost of Retirement?
9:05 - Breaking Down Retirement Expenses
17:33 - How Inflation Affects Your Spending
19:34 - Budgeting for Healthcare in Retirement
20:12 - Analyzing Your Monthly Income Needs
21:00 - Common Mistakes When Estimating Costs
22:11 - Case Study: Retiree Budget Breakdown - Balance Enjoyment and Necessity
24:30 - Health Tip for Retirees
27:05 - Final Thoughts
SOURCES:
Inflation: https://ycharts.com/indicators/us_inflation_rate
Monthly Expenses Calculator: https://cdfinancial.org
Connect with CD Financial for More Insights:
Twitter: /CDFinancial_LLC
Instagram: /CDfinancial.llc
Facebook: /CDFinancialLLC
LinkedIn: /cd-financial-llc
Subscribe and Stay Updated:
Subscribe for weekly insights into financial strategies to help secure your retirement and live the life you want.
Get More from CD Financial:
Looking for a tailored financial plan? Schedule a consultation today and start working toward your retirement goals. 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.
#RetirementPlanning #RetirementCosts #FinancialAdvice #InvestmentStrategy #HealthcareInRetirement #podcast
Support the show
Watch the video version here: https://youtu.be/jSKGQeQUlkU
You 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-call
Chapters
0:00 - Understanding the Minimum Retirement Age (MRA)
0:17 - Retirement Options for Federal Employees at 57
1:17 - How the FERS Supplement Works
2:19 - Penalty-Free Retirement at Age 60 with 20 Years of Service
2:45 - The 10% Bonus for Age 62 and 20 Years of Service
3:05 - Should You Retire at 60 or 62?
3:50 - Charted Retirement Course Overview
4:25 - Final Thoughts and Recap
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 weekly insights and strategies for securing your retirement. Subscribe for actionable tips to make the most of your federal benefits.
Get More from CD Financial:
Looking for personalized advice? Schedule a consultation with Charles to tailor a retirement plan that meets your unique needs. https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call
#RetirementPlanning #FERS #FederalEmployee #FinancialAdvice #InvestmentStrategy #podcast #RetireRight #ChartedRetirementCourse #FinancialFreedom #SecureYourFuture
Support the show
Watch the video here https://youtu.be/HdMuil4vU24
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
"Facing uncertainty is part of the journey, but a well-crafted plan brings clarity and peace."
Chapters
0:00 - Podcast Introduction
0:26 - Reflecting on the Heat Wave and Transition to Today's Topic
9:48 - Market Trends and Anxiety About Rate Changes
11:05 - Understanding Fed Rate Cuts and Their Impact
13:22 - TSP and 401(k): Adjusting for Rate Changes
15:25 - Small Business Challenges with Rate Hikes
16:55 - Bond Funds: Understanding F and G Funds' Performance
19:33 - Basics & The Future of Interest Rates and Bonds
26:45 - The Importance of Safe Money in Retirement
31:55 - Health Tip: The Benefits of Sourdough Bread
37:47 - Recap and 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 essential financial advice for your retirement journey. Subscribe for weekly tips and strategies to secure your future.
Get More from CD Financial:
Looking for personalized guidance? Schedule a consultation with Charles to tailor a retirement plan that suits your unique financial situation. https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call
#RetirementPlanning #FedRateCuts #FinancialAdvice #InvestmentStrategy #TSP #Podcast #401K #Inflation #InvestmentTips #RetirementSecurity #WealthManagement
Support the show
The podcast currently has 118 episodes available.
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