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

“Submitting your retirement packet early is the smartest way to avoid a delayed first pension check.”

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👋 WHO AM I?
My name is Charles Dzama, and I help federal employees and retirees navigate complex benefits decisions to build the retirement they deserve. On this channel, you’ll find guidance on pensions, TSP strategies, healthcare options, and practical steps to create financial confidence in retirement.

⌚️ Timestamps
0:00 – Introduction: Why Timing Your Retirement Packet Matters – Common Myths About Submission Deadlines
0:28 – What Happens If You Wait Too Long – Real-Life Example: The Army Base GRB Screen
1:04 – The Stress of Making Elections Alone – How to Avoid Delayed Annuity Payments
1:40 – Complimentary Phone Call to Review Your Packet

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](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.

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