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

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

"Consistency beats timing. The market rewards discipline, not impulse."

Chapters
0:00 - Podcast Introduction 
4:13 - DIY Investing: Smart Move or Risky Gamble?
5:45 - Why Simplicity Works: Index Funds vs. Individual Stocks
6:30 - Real-Life Cautionary Tale: A Single-Stock Bet Gone Wrong
16:32 - Warren Buffett’s Advice on Market Timing
22:20 - ETFs vs. Mutual Funds: Tax Advantages Explained
29:20 - Health Tip: The Benefits of Collagen for Joints & Skin
31:31 - 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

#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

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

"Retirement isn't about leaving work; it's about stepping into financial freedom with confidence."

Chapters
0:00 - Podcast Introduction - Understanding the Deferred Retirement Process
1:03 - How Different Agencies Handle Retirement Requests - Key Deadlines You Should Know
2:01 - Submitting Your SF 3107: What You Need to Know
3:17 - Survivor Benefits: The Critical Choice You Can’t Ignore - Maximizing Your Social Security Payout
3:50 - How to Bulletproof Your Retirement Plan - Longevity and Financial Planning

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 #FinancialFreedom #InvestmentStrategy #FederalEmployees #PensionPlanning #SocialSecurity #401K #WealthBuilding

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 soon will have the power to convert your TSP to a Roth without leaving the system—game-changing for federal retirees."

📌 Chapters:
0:00 - Breaking News: Roth Conversions in TSP 2026 - What This Means for Federal Employees
1:00 - Understanding the Tax Implications
2:30 - The Big Catch: Taxes and Roth Conversions - Can You Withhold Taxes Inside TSP?
3:24 - Where Will You Get the Money to Cover Taxes?

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 security isn't just about having a pension—it's about knowing how to use it wisely in retirement."  

📌 Chapters 
0:00 - Podcast Introduction 
4:30 - Should I Leave My Money at TSP into Retirement? 
7:40 - Pros and Cons of Keeping Your TSP in Retirement 
11:30 - Understanding Your TSP Investment Options  - The Hidden Risks of Leaving Your TSP Untouched 
12:12 - The Power of Tax-Free Growth in Retirement + IRAs & Common Mistakes People Make with Their TSP 
15:52 - Should You Move Your TSP at 59½? 
17:39 - Health Tip: Why Learning to Cook is a Game-Changer 
27:22 - 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

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 can make is planning your retirement with professional help."

Chapters 
0:00 - Introduction - What Happens Now?
0:13 - Unemployment
0:45 - Mandate Numbers per Agency
1:55 - Essential Workforce Percentages
2:37 - What Can You Do? Know Your Numbers, Have a Plan
4:08 - Get Help
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