Federal Employees Retirement & Benefits Podcast by CD Financial

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Federal Employees Retirement & Benefits Podcast by CD Financial

Charles Dzama

231 episodes

2 days ago

👉 FREE Retirement Planning Guide + Checklist: https://cdfinancial.org/tsp%20free%20guide/ FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube Are you truly retirement ready — financially secure, lifestyle-aligned, and prepared for life after work? Learn the key retirement planning questions and readiness checklist every pre-retiree should ask to avoid blind spots and achieve confidence in retirement. Socials: Instagram: https://instagram.com/cdf...

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Health & Fitness,

Alternative Health

All content for Federal Employees Retirement & Benefits Podcast by CD Financial is the property of Charles Dzama and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.

👉 FREE Retirement Planning Guide + Checklist: https://cdfinancial.org/tsp%20free%20guide/ FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube Are you truly retirement ready — financially secure, lifestyle-aligned, and prepared for life after work? Learn the key retirement planning questions and readiness checklist every pre-retiree should ask to avoid blind spots and achieve confidence in retirement. Socials: Instagram: https://instagram.com/cdf...

Show more...

Health & Fitness,

Alternative Health

Episodes (20/231)

Federal Employees Retirement & Benefits Podcast by CD Financial

The Retirement Questions Most Federal Employees Get Wrong

👉 FREE Retirement Planning Guide + Checklist: https://cdfinancial.org/tsp%20free%20guide/ FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube Are you truly retirement ready — financially secure, lifestyle-aligned, and prepared for life after work? Learn the key retirement planning questions and readiness checklist every pre-retiree should ask to avoid blind spots and achieve confidence in retirement. Socials: Instagram: https://instagram.com/cdf...

2 days ago

3 minutes

Federal Employees Retirement & Benefits Podcast by CD Financial

FEHB Changes Every Federal Employee Needs to Know With Ann Vanderslice

Federal Employee Health Benefits (FEHB) & Medicare Part B Explained: What Every Federal Worker and Retiree Must Know in 2025” — get the facts on FEHB cost changes, Medicare coordination, and retirement health planning to avoid unnecessary premium spending and coverage gaps. Discover whether combining FEHB with Medicare Part B or supplements makes sense for you. 👇 Understanding how FEHB works with Medicare Part B and retirement is one of the most important financial planning decisions fed...

1 week ago

28 minutes

Federal Employees Retirement & Benefits Podcast by CD Financial

FEHB + Part B vs Medicare Part B + Supplement: Which Move Saves You More

Comparing Federal Employees Health Benefits (FEHB) coverage with Medicare Part B + Supplement helps retirees balance premiums, deductibles, and out-of-pocket costs while maximizing access to care. FEHB + Part B or Medicare Part B with a Supplement — What’s the smarter retirement healthcare move for federal employees and retirees navigating rising FEHB costs and Medicare decisions? Discover how FEHB coordinates with Medicare, when Medicare Part B makes sense, and why dual coverage can change ...

1 week ago

4 minutes

Federal Employees Retirement & Benefits Podcast by CD Financial

The Retirement Income Gap Most People Don’t Talk About (And How to Close It)

Most people never talk about the retirement income gap — the difference between what you think you’ll need and what you actually have saved, and that’s exactly why most retirements fall short. Using disciplined retirement strategies like dollar cost averaging and optimizing employer matches can dramatically improve your long-term success. FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube Newsletter: https://cdfinancial.com/newsletter Socials:...

2 weeks ago

23 minutes

Federal Employees Retirement & Benefits Podcast by CD Financial

I wish I knew This About Saving & Investing When I Was Younger

“I wish I knew earlier that starting saving and investing young turbo-charges your future wealth through compound growth, better retirement planning, and smarter money decisions.” 👉 FREE RETIREMENT PLANNING GUIDE 15-MIN CONSULT: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube Newsletter: https://cdfinancial.com/newsletter “Start your Roth IRA early, let compound interest work, and build an investment plan that grows with you — because time is your greatest finan...

2 weeks ago

2 minutes

Federal Employees Retirement & Benefits Podcast by CD Financial

Your 2026 Contribution Limits Just Changed – Here's What You Need to Know

2026 TSP and 401(k) contribution limits just increased—here’s how much you can put away, what catch-up really means, and how to set your payroll so you don’t miss it. If you’ve heard the “15% max” myth or you’re unsure whether you’re actually doing catch-up contributions, this episode clears it up—fast. 🔗 LINKS & RESOURCES IRS: 401(k) limit increases to $24,500 for 2026; IRA limit increases to $7,500: https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases...

3 weeks ago

23 minutes

Federal Employees Retirement & Benefits Podcast by CD Financial

2026 401k Updates: New Contribution Limits Released

Max retirement contributions just got bigger in 2026 — $24,500 elective limit plus expanded catch-up contributions for federal TSP and 401(k) plans. 2026 contribution limits for TSP and 401(k)/403(b) increase — here’s how to make the most of your elective deferrals and catch-up contributions. 🔥 Curious how these IRS changes affect your federal benefits, TSP retirement strategy, and catch-up planning? Get answers to your questions on a FREE 15-minute call: https://calendly.com/charles...

3 weeks ago

6 minutes

Federal Employees Retirement & Benefits Podcast by CD Financial

Are You Prepared for Long-Term Care Costs? Here's What You Need to Know

In this important discussion, we focus on "long term care awareness", especially relevant during Long-Term Care Awareness Month. We examine the critical aspects of "long term care" and effective "financial planning" strategies that align with a minimalist approach to "personal finance". Learn practical insights on "how to save money", drawing from a thoughtful, careful spending philosophy. PS. Asset-based long-term care combines care coverage with savings or life insurance, so you don’t risk...

4 weeks ago

30 minutes

Federal Employees Retirement & Benefits Podcast by CD Financial

A Minimalist Approach to Long-Term Care: 3 Options Worth Considering

In this important discussion, we focus on "long term care awareness", especially relevant during Long-Term Care Awareness Month. We examine the critical aspects of "long term care" and effective "financial planning" strategies that align with a minimalist approach to "personal finance". Learn practical insights on "how to save money", drawing from a thoughtful, careful spending philosophy. PS. Asset-based long-term care combines care coverage with savings or life insurance, so you don’t risk...

1 month ago

5 minutes

Federal Employees Retirement & Benefits Podcast by CD Financial

High Earners Might Be Missing This 2026 Catch-Up Opportunity

In this episode of the CD Financial Podcast, Chuck D and Marcus C delve into the implications of the new Secure Act 2.0, particularly focusing on catch-up contributions to retirement accounts. They discuss the differences between Roth and traditional contributions, the tax implications of forced Roth contributions, and the concerns that high earners may have regarding their tax bills. The conversation also touches on the challenges of payroll setup for federal employees and the perceived unfa...

1 month ago

27 minutes

Federal Employees Retirement & Benefits Podcast by CD Financial

If You Earn $145K+, This Affects You

For high income earners, new rules for 2025 mean you might not be able to put your catch-up money into tax-deferred or traditional TSP or 401k for that matter. This video breaks down what this means for your retirement planning and highlights the importance of understanding these changes. Understanding these new rules is crucial for maximizing your tax benefits and managing your retirement accounts effectively. High-income earners risk losing the traditional tax break on catch-up contributio...

1 month ago

6 minutes

Federal Employees Retirement & Benefits Podcast by CD Financial

Listen To This If You're A Federal Worker Facing the 2025 Shutdown Aftermath

In this episode, Chuck D and Marcus C discuss the recent government shutdown, its effects on employees and retirees, and the importance of having a financial plan. They explore the challenges faced by those returning to work, the uncertainty for retirees, and the mental health benefits of planning and communication in relationships. The conversation emphasizes the need for preparation in the face of potential future shutdowns and the value of having a solid strategy for retirement. The gover...

1 month ago

26 minutes

Federal Employees Retirement & Benefits Podcast by CD Financial

Shutdown's Over—Are You Ready to Retire Now?

If you’re done working in uncertain shutdown-zones instead of on your own terms, now’s the time to lock in your retirement freedom— the longest federal shutdown in history just highlighted what it means to wait. 🔗 LINKS & RESOURCES FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube Newsletter: https://cdfinancial.com/newsletter Socials: Instagram: https://instagram.com/cdfinancial.llc/ Facebook: https://facebook.com/cdfinancial LinkedIn: ht...

1 month ago

5 minutes

Federal Employees Retirement & Benefits Podcast by CD Financial

Evaluating the Pros and Cons of Leaving TSP as Is

Should you leave your Thrift Savings Plan (TSP) untouched, roll it to an IRA, or turn it into a lifetime income stream? In this episode, we break down the real-world pros and cons of each TSP retirement option so you don’t accidentally trade away flexibility, tax control, or your spouse’s future security. Most federal employees pick the “simple” choice with TSP—and it can quietly cost them in taxes and lost options later. 👉 FREE 15-minute call: https://calendly.com/charlesdzama/complimentary...

1 month ago

34 minutes

Federal Employees Retirement & Benefits Podcast by CD Financial

3 Surprising TSP Choices for Retirement!

Unlock the most overlooked Thrift Savings Plan (TSP) strategies for federal retirees! This video covers three powerful—but often missed—TSP retirement options that can increase your financial security. Discover: The unique benefits and risks of TSP annuitization Smart TSP withdrawal strategies for lasting retirement income How to avoid costly mistakes with TSP rollovers Whether you’re a federal employee or near retirement, you’ll get actionable insights to make confident decisions for you...

1 month ago

34 minutes

Federal Employees Retirement & Benefits Podcast by CD Financial

Charitable Donations: Tax Strategies & Smart Giving for Retirees and Business Owners

Discover how charitable donations can maximize your tax benefits and support causes you care about. In this video, we unpack: Strategies for effective charitable giving Tax deductions for retirees and business owners Donor-advised funds and philanthropy tips Common mistakes to avoid when giving IRS rules and documentation best practices Key Links & Resources: Book a FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube Subscribe for weekly t...

1 month ago

23 minutes

Federal Employees Retirement & Benefits Podcast by CD Financial

IRMAA Surprise! Are You Paying More for Medicare? How Taxes Affect Your Premiums

Confused about why your Medicare Part B premium is higher? Discover how IRMAA (Income-Related Monthly Adjustment Amount) impacts your Medicare costs and what federal employees and retirees can do about higher premiums. This video covers: What is IRMAA and why it matters for Medicare Part B & D How taxes affect your Medicare premiums and retirement budget Planning strategies for federal retirees, including FERS, TSP, Social Security Real-world tips on managing healthcare costs and avoi...

1 month ago

4 minutes

Federal Employees Retirement & Benefits Podcast by CD Financial

How Do Financial Advisors Really Make Money? Fees Explained

Curious about how financial advisors actually earn their income—especially for federal employees and retirees? This video demystifies how advisors are paid, explains fee structures, and helps you choose the best financial guidance for your retirement planning. KEY TOPICS COVERED: Financial advisor fees explained Commission, fee-only, and hybrid models Pros and cons for federal employees and retirees 401K, FERS, TSP, Social Security timing tips How to avoid common advisor pitfalls 🔗 LINKS &a...

2 months ago

24 minutes

Federal Employees Retirement & Benefits Podcast by CD Financial

Pension Check Still Missing? Bridging the Gap When Your First Pension Check Is Delayed

Are you a federal retiree still waiting for your first pension check? You’re not alone—delays at OPM are leaving thousands in financial limbo. In this video, learn bridge strategies to cover expenses, avoid financial hardship, and what steps you can take now if your federal retirement payment is late. Your pension check might not be processed—so what are you going to do when no pension checks are being processed? 🔗 LINKS & RESOURCES FREE 15-minute call: https://calendly.com/charlesdzama...

2 months ago

6 minutes

Federal Employees Retirement & Benefits Podcast by CD Financial

Why Would You Use a Financial Advisor? (Federal Employees & Retirees Guide)

Should you work with a financial advisor? Discover when hiring a certified financial planner makes sense for federal employees and retirees—and when DIY investing might be enough. Learn the real value a fiduciary financial advisor brings to your retirement planning, from tax-smart strategies to FERS benefits optimization. Whether you're nearing retirement or managing TSP withdrawals, this guide covers what to expect when working with a professional advisor. 🔗 LINKS & RESOURCES 📞 FREE 15...

2 months ago

27 minutes