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“Don’t let inflation silently erode your savings—build a tax-smart plan so your cash isn’t just sitting there losing value.”

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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 – Intro: Why too much cash is a silent threat
2:40 – How inflation erodes bank savings
5:30 – Taxes hitting your interest hard
6:30 – Why people default to cash (fear & simplicity)
8:12 – Real goals: growth, emergencies, big purchases
10:29 – Rental real estate: pros, pitfalls & pitfalls
11:50 – Tax-deferral strategies: stocks, ETFs, Roth
14:38 – Risk & reward: property vs. index funds
16:15 – Power of Roth contributions at any age
18:48 – Other tax-smart options: annuities, LTC
19:39 – Designing a plan: purpose-driven saving
21:02 – Health tip: "Be boring"—consistency wins
23:52 – Wrap-up: move cash into smarter vehicles

Health Tip: Be boring. Consistency—even in finance—quietly wins the long game.

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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