Federal Employees Retirement & Benefits Podcast by CD Financial

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

"Planning your future means more than saving money; it means protecting those you care about the most."

Chapters 
0:00 - Introduction
0:30 - Why Beneficiary Updates Matter
2:15 - The Importance of Revisiting Your Forms
3:13 - Common Life Changes that Impact Beneficiaries
6:45 - How Divorce Affects Your Financial Plan
8:44 - Special Considerations for Special Needs Beneficiaries
11:00 - The Role of Life Insurance in Beneficiary Planning
12:10 - Common Mistakes People Make with TSP Beneficiaries
13:23 - Updating Your Federal Forms 
  +SF 2823: https://www.opm.gov/forms/pdf_fill/sf2823.pdf
  +SF 3102: https://www.opm.gov/forms/pdf_fill/sf3102.pdf 
  +SF 1152: https://www.opm.gov/forms/pdf_fill/SF1152.pdf

18:35 - Special Situations: Domestic Partnerships and Social Security
21:40 - Health Tip: Adapting Your Routine as You Age
23:00 - Recap and Final Thoughts

Connect with CD Financial for More Insights:
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Visit our Website https://cdfinancial.org/

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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

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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  

"Secure your future, one decision at a time. Your retirement depends on more than savings—it’s about a plan that adapts to your life’s goals."  

Chapters: 

0:00 - Early Retirement Explained 

0:20 - What Is the FERS Supplement? 

0:15 - How Your FERS Supplement Works at 62 

1:15 - The 4% Rule and Your TSP - How Much Should You Withdraw from Your TSP? 

1:36 - Filling the Gap Between Supplement and Social Security - When to Turn on Social Security 

2:23 - Recap & Final Thoughts

Connect with CD Financial for More Insights: 

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Facebook: /CDFinancialLLC 

LinkedIn: /cd-financial-llc 

Visit our Website https://cdfinancial.org/  

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Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call  

#RetirementPlanning #FERSSupplement #FinancialAdvice #InvestmentStrategy #TSP #SocialSecurityMaximization #EarlyRetirement #401K #FederalEmployees #CDFinancial

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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

"Financial security is not just about having enough; it’s about ensuring that your plan can weather the storms of life."

Chapters 
0:00 - Podcast Introduction 
0:30 - Understanding the Importance of a Written Retirement Plan 
2:15 - Separating Assets for Income and Growth 
3:13 - Essential Tax Planning for Retirement 
6:45 - The Role of a Financial Planner in Retirement 
8:44 - Common Mistakes in Retirement Planning 
11:00 - The Value of a Fiduciary Advisor 
12:10 - Social Security Maximization Strategies 
13:23 - Real-Life Client Success Stories 
18:35 - How to Spot Gaps in Your Retirement Plan 
21:40 - Health Tip: The Power of Oregano Oil 
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 #FinancialAdvice #InvestmentStrategy #401K #RetirementGoals #FinancialFreedom #WealthManagement #Podcast #HealthTip #FiduciaryAdvisor

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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

"Financial security isn't just about having more; it's about planning smarter and ensuring your future is as secure as your present."

Chapters 
0:00 - Understanding the TSP Enemies
2:15 - The Importance of 5% Funding
3:13 - The Role of the G Fund
6:45 - Balancing Your TSP Investments
8:44 - Risks in Retirement Planning
11:00 - The Stock Market's Impact on TSP
12:10 - Avoiding Common TSP Mistakes
13:23 - How to Be the Hero of Your TSP
18:35 - Planning for Long-Term Growth
21:40 - Health Tip: Balancing Financial and Physical Well-being
23:00 - Recap and Key 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.

#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 the age you quit working; it's about the freedom to do what you love on your own terms."  

Chapters  
0:01 - Podcast Introduction 
0:30 - The Mindset Shift for Early Retirement 
2:15 - Breaking Down the Numbers 
3:13 - Key Strategies to Accelerate Your Retirement 
6:45 - Avoiding Common Pitfalls 
8:44 - The Role of Passive Income 
11:00 - How to Maximize Your 401(k) and IRA 
12:10 - Real-Life Case Study 
13:23 - Debunking Retirement Myths 
18:35 - Long-Term Wealth Management Tips 
21:40 - Health Tip: The Importance of Wellness in Retirement 
23:00 - 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

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

"Unlocking your home's equity can transform your retirement dreams into reality."

Chapters
0:00 - Podcast Introduction
1:30 - What Is the Hidden Retirement Goldmine?
2:15 - The Value of Home Equity in Retirement
3:13 - Misconceptions About Downsizing
6:45 - The Financial Benefits of Moving
8:44 - Real-Life Success Stories
11:00 - Steps to Assess Your Home’s True Value
12:10 - Legal and Tax Implications
13:23 - Using Home Equity for Financial Security
18:35 - Downsizing Without Leaving Your Comfort Zone
21:40 - Health Tip: Sleep Better by Limiting Blue Light Exposure
23:00 - Recap: Finding Your Retirement Goldmine

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: https://cdfinancial.org/media/#newsletterForm
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

"Financial security goes beyond just savings; it's about ensuring every dollar supports your loved ones when they need it most."

Chapters
0:00 - Podcast Introduction
3:20 - The Importance of Life Insurance
5:05 - Real-Life Example: Income Replacement
7:25 - Hidden Benefits of Life Insurance
8:08 - Understanding Tax Implications
11:00 - Survivor Benefits Explained
15:00 - Federal Employee Life Insurance Options
22:30 - How Much Life Insurance Do You Need? - Term vs. Permanent Life Insurance
23:20 - Planning for Your Family's Future
25:00 - Health Tip: Non-GMO Corn
27:00 - 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

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 just about savings, but also about understanding and maximizing your benefits, especially in challenging times."

Chapters:
0:00 - Introduction and Greetings
2:15 - The Importance of Life Insurance While Employed
3:13 - FEGLI and BEDB Explained
7:07 - Planning for Terminal Illness Scenarios
7:35 - OPM Business Administration Letter: https://www.opm.gov/retirement-center...
8:44 - Utilizing Annual and Sick Leave Strategically
12:10 - The Significance of Death Benefits While Employed
13:23 - Real-Life Case Study: Helping a Family in Need
14:30 - Leave Without Pay (LWOP) Options
20:00 - The Role of a Fiduciary Financial Planner in Federal Benefits
21:58 - Health Tip: Moderate Alcohol Consumption
26:34 - Recap and Closing 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: https://cdfinancial.org/media/#newsletterForm
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.

#RetirementPlanning #FederalBenefits #FEGLI #LifeInsurance #FinancialAdvice #InvestmentStrategy #Podcast #CDFinancial #BEDB

Support the show

This podcast was originally a YouTube video, you can watch that video here: https://youtu.be/ckzscAl3yE4

Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

Direct Link to OPM: https://www.opm.gov/support/retirement/faq/phased-retirement/#:~:text=When%20an%20employee%20elects%20and,continuing%20to%20work%20part%20time

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/dza...

#RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategy #FERSPhasedRetirement

Support the show

This podcast was originally a YouTube video, you can watch that video here: 
https://youtu.be/r_zLvEFwldw

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, ensuring we have enough savings and income to support ourselves throughout retirement."

Chapters
0:01 - Podcast Introduction
1:53 - The 3 Retirement Income Mistakes to Avoid
2:10 - Point 1 Failing to Diversify Investments
3:30 - Risk of Over-Concentration
4:13 - Inflation's Impact on Retirement
5:31 - Strategies to Combat Inflation
8:58 - Planning for Long-Term Expenses
10:36 - Point 2 Ignoring Inflation
17:00 - Withdrawal Strategy Essentials
18:29 - Tax Implications of Withdrawals
19:05 - Real-Life Case Study
20:33 - Avoiding Early Withdrawal Pitfalls & Balancing Growth and Income
22:10 - Recap
23:02 - Health Tip

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 

#401K #FinancialAdvice #InvestmentStrategy #Podcast #FinancialSecurity #RetirementIncome #WealthManagement #InflationProtection #Diversification

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