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

"If you don’t make a plan for your money, someone else will – and it’s usually Uncle Sam."

Chapters
0:00 - Introduction
0:30 - What Are RMDs?
1:15 - Why RMDs Are Mandatory
1:29 - Key Birth Year RMD Thresholds
2:00 - Avoiding IRS Control Over Your Money
2:35 - Roth IRA Benefits for Heirs
3:21 - Building a Tax-Smart Retirement 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

#RetirementPlanning #rmds #FederalEmployees #FinancialWellness #CDFinancial #HealthMeetsWealth

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 planning is not just about saving; it's about maximizing the resources you already have."

Chapters
0:00 - Podcast Introduction
1:05 - Mr Rogers Culture
3:25 - Importance of Maximizing TSP Contributions
6:25 - 2025 Updates: Contribution Limits Explained - Catch-Up Contributions for Age 50+
11:32 - The Power of Life Cycle Funds
12:56 - Optimizing Retirement Strategies at 59½
16:23 - Special Catch-Up Rules for Ages 60–63
22:00 - What happens if you never do Catch-Up?
25:08 - What happens if you DO Catch-Up?
29:45 - Health Tip: The Nutritional Power of Eggs
39:50 - 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: 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 #TSP #FinancialAdvice #Roth401k #MaxFunding #CatchUpContributions #InvestmentStrategy #TaxFreeGrowth #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 is ensuring you have a clear plan to handle life's transitions, including inherited IRAs and their tax implications."

Chapters
0:00 - What Is an Inherited IRA?
0:40 - The 10-Year Rule for Non-Spousal Inherited IRAs - Real-Life Example: Remodeling with IRA Funds
3:15 - Tax Implications of Withdrawals - State Tax Considerations: Examples from AZ, TX, CA
4:47 - Spousal Inheritance Options Explained - Younger Spouse Advantage: Birth Schedule Strategy

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

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

"Plan for your future now because time waits for no one."

Chapters
0:00 - On today's episode
0:30 - What Are RMDs?
4:41 - Who and How Are RMDs Calculated?
6:00 - Age Requirements for RMDs
7:21 - Why Planning RMDs Early Matters
9:03 - The Importance of Tax Planning
11:11 - Avoiding RMD Penalties
12:43 - Strategies to Reduce or Eliminate RMDs
16:27 - Using QCDs to Satisfy RMDs
23:20 - Health Tip: Stay in Motion
25:42 - Recap: Be Proactive

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

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

"Maximizing your retirement savings isn't just about contributing more—it's about contributing smarter."

Chapters
0:00 Who We Serve: Federal Employees and Their Families
0:54 - TSP Contribution Limit Updates for 2025
2:06 - Special Catch-Up Contribution Rules for Ages 60-63
3:33 - Tax Implications: Pre-Tax vs. Roth Contributions
3:55 - Retirement Strategies: Max Funding with Tax-Free Growth
4:30 - Secure Act 2.0: Key Takeaways for Federal Employees

Connect with CD Financial for More Insights:
🐦 Twitter: CDFinancial_LLC
📸 Instagram: CDfinancial.llc
📘 Facebook: CDFinancialLLC
💼 LinkedIn: CD-Financial-LLC
🌐 Website: https://cdfinancial.org/

Subscribe and Stay Updated:
Don’t miss 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 #TSPUpdate #FinancialAdvice #FederalEmployees #InvestmentStrategy #SecureAct2_0

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

"Financial security is not precisely about inheritance; it’s about using what you receive to build a brighter future."

Chapters
0:01 - Introduction to Inherited IRAs
0:45 - Difference Between Inheritance and Beneficiary Accounts
2:15 - Key Rules for Spousal Inherited IRAs
4:20 - When Should You Roll Over to Your Own IRA?
7:00 - 10-Year Rule: Managing Withdrawal Deadlines
10:30 - Tax Planning with Inherited IRAs
12:50 - Using Inherited Funds for Roth Conversions
15:00 - Strategies to Minimize Taxes on Withdrawals
18:00 - Non-Spousal Beneficiaries and the 10-Year Deadline
20:40 - Closing Tips: Ensuring Your Inherited Funds Work for You

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

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 I Fund's evolution is a testament to adapting and optimizing for growth—ensuring federal employees have the tools to secure their financial future."

Chapters 
0:00 - Introduction
0:30 - Overview of the TSP I Fund
 - Challenges with Emerging Markets
 - The Role of China and U.S. Interests
 - Key Changes in the I Fund Benchmark
 - Transition to MSCI ACWI Index
 - Comparing C, S, and I Funds
 - Why Lifecycle Funds Still Matter
 - Long-Term Growth Potential

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

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

"Financial freedom starts with a plan that protects what matters most—your loved ones and your future."

Topics to consider as you ponder this decision:
 • Survivor Benefit choices: should I take 25%, 50%, or 0?
 • Once elected, you can’t go back – one & done.
 • It’s not cheap, but it might be essential.

Chapters
0:01 - Podcast Introduction
0:35 - What Are Federal Survivor Benefits?
2:15 - Decision Timing: When and How to Choose
4:00 - Survivor Benefit Options: 0%, 25%, or 50%?
6:45 - How to Maximize Your Pension
8:30 - Health Insurance Implications for Survivors
10:15 - Survivor Benefits vs. Life Insurance: What Works for You?
12:00 - Navigating Emotional Conversations with Loved Ones
14:30 - Common Mistakes in Survivor Benefit Elections
18:20 - Minister of Finance’s Top Tips for Federal Employees
20:30 - Health Tip of the Day: The Power of Myrrh

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

You don’t need to work longer; you just need a better plan.
Schedule a consultation to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

"Retirement is uncertain, but a written plan brings clarity and comfort to every decision."

Chapters
0:00 - Introduction
0:30 - How Written Plans Impact Retirement Confidence
0:55 - The Comfort of Visualizing Financial Decisions & How We Use the 'Charted Retirement Course' Tool
1:30 - Simulating Financial Scenarios with Software & The Importance of Adjusting Your Plan Over Time

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 #FinancialSecurity #RetireWithConfidence #InvestmentStrategy #CDFinancial #HealthMeetsWealth #Podcast #FinancialAdvice

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

"Buying back military time is more than a financial decision—it’s a strategy to maximize your retirement and claim the rewards for your years of service."

Chapters
0:00 - Podcast Introduction
3:45 - Why Buying Back Military Time Matters
7:00 - Common Misconceptions About Military Time Buyback - Impacts Your Retirement Eligibility
11:11 - Breaking Down Costs: Is It Expensive? - Reservists vs. Active Duty: What You Need to Know
13:00 - Real-Life Stories: Successful Military Time Buybacks - Navigating Federal Forms: A Quick Guide
17:17 - Double-Dipping: Military and Federal Pensions
21:00 - Additional Retirement Benefits Explained
23:40 - What Forms do I need?
26:16 - Health Tip: Boosting Magnesium Levels Naturally
29:30 - Recap & Key Takeaways

FORMS: 
• SF3108: https://www.opm.gov/forms/pdf_fill/sf3108.pdf
• RI2107: https://www.opm.gov/forms/pdf_fill/ri20-97.pdf

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 #MilitaryTimeBuyback #FederalBenefits #FinancialFreedom #InvestmentStrategy #CDFinancial #FERS #Veterans

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