Federal Employees Retirement & Benefits Podcast by CD Financial

Will You Have Enough Money to Retire?


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Don’t run out of money before you run out of life—build a written retirement income plan you can count on.

Large, poorly timed withdrawals and RMD surprises can wreck a portfolio—separate income from growth and let a tax plan, not emotions, drive your decisions.

🔗 LINKS & RESOURCES
👉 Schedule a free 15-minute call https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube
Newsletter: https://cdfinancial.com/newsletter
Free Resources Library: https://cdfinancial.com/resources

Mentioned in the Video:
TSP Funds (C, S, I, G): https://www.tsp.gov/
Social Security basics: https://www.ssa.gov/

Socials:
Twitter: https://x.com/cdfinancial
Instagram: https://instagram.com/cdfinancial
Facebook: https://facebook.com/cdfinancial
LinkedIn: https://linkedin.com/company/cd-financial

👋 WHO WE ARE
CD Financial — where health meets wealth. We help near-retirees and retirees (including many Federal Employees, FERS & TSP participants) build reliable retirement income through evidence-based planning, tax-smart withdrawals, and risk management. Subscribe for weekly strategies that turn savings into sustainable paychecks for life.

⏱ TIMESTAMPS
0:00 Intro — the #1 fear: running out of money
0:24 Why “not saving enough” isn’t always the problem—lack of a written plan
2:30 Case Study (Susie): Large withdrawal → higher tax bracket → years of tax catch-up
6:10 Sequence-of-returns risk: Why withdrawing after a market drop hurts twice
8:36 The danger of being too safe (G Fund/bonds) vs keeping up with inflation
12:31 RMDs explained: The government’s withdrawal schedule & tax surprises
14:41 What’s a “reasonable” withdrawal rate? Context matters (why 4% isn’t a rule) 
19:10 Take control with a multi-year tax plan (Roth conversions & bracket management)
21:05 Two-bucket approach: Separate income (stability) from growth (inflation defense)
24:20 Health tip: Movement is a privilege—health truly meets wealth

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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Federal Employees Retirement & Benefits Podcast by CD FinancialBy Charles Dzama

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