Federal Employees Retirement & Benefits Podcast by CD Financial

The objective of this podcast is to educate and enlighten you about your federal benefits and to guide you in creating a well-formed retirement income plan. Schedule your complimentary 15-minute phone call today! https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

Federal Employees Retirement & Benefits Podcast by CD Financial is a business podcast hosted by Charles Dzama, with 296 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Charles Dzama hosts Federal Employees Retirement & Benefits Podcast by CD Financial, a business show with 296 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Episode #28

  4 TSP Withdrawal Mistakes to Avoid - Spending With No Regrets

  Aug 18, 20265 minS3

  Your TSP withdrawals can trigger consequences you never see coming — and sometimes "doing nothing" is the biggest mistake of all. In this short video, Charles walks through the TSP withdrawal traps that quietly cost federal retirees: lump sums that bump your tax bracket, Medicare premium spikes (IRMAA), a hidden jump in how much of your Social Security gets taxed, and RMDs that take the wheel if you don't plan. ━━━━━━━━━━━━━━━ IN THIS VIDEO YOU CAN LEARN ━━━━━━━━━━━━━━━ - How a big lump-sum withdrawal can push you into a higher tax bracket - How TSP withdrawals can spike your Medicare Part B premium (IRMAA) - How you can accidentally make more of your Social Security taxable - Why doing nothing lets RMDs — and the IRS — take control in your 70s - Why "purposeful and intentional" withdrawals need a written plan Are you planning your TSP withdrawals — or leaving it alone and hoping it works out? Drop a Y or N ━━━━━━━━━━━━━━━ START HERE ━━━━━━━━━━━━━━━ Apply for a Retirement Consultation: https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/ Get the Digital Federal Retirement Guidebook: https://cdfinancial.org/being-a-federal-employee-book/ Subscribe for Weekly Federal Retirement Planning Content: https://cdfinancial.com/newsletter Want to see which of these is coming for you? Guidebook link above. ━━━━━━━━━━━━━━━ TIMESTAMPS ━━━━━━━━━━━━━━━ 0:00 The TSP Withdrawal Mistakes to Avoid 0:33 #1 Lump Sums & Your Tax Bracket 1:51 #2 Medicare Part B & IRMAA 3:18 #3 Making More of Your Social Security Taxable 4:19 #4 RMDs: Doing Nothing Hands Over Control 5:25 Watch Next: Why Lower Fees Might Be Cheap for a Reason ━━━━━━━━━━━━━━━ WHO WE ARE ━━━━━━━━━━━━━━━ CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, taxes, Medicare, and retirement income planning — where health meets wealth. ━━━━━━━━━━━━━━━ IMPORTANT DISCLAIMER ━━━━━━━━━━━━━━━ 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. Educational only; not financial, legal, tax, or investment advice. Tax brackets, IRMAA thresholds, Social Security taxation, and RMD rules depend on your situation and change yearly — verify with the IRS, SSA, and a qualified tax professional before acting. #TSP #TSPWithdrawals #FederalRetirement #RMD #IRMAA #CDFinancial Support the show

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  Episode #115

  Age 60, $850K in TSP, a FERS Pension: Retire Now or Wait

  Aug 13, 202614 minS2

  Can a federal employee retire at 60 with $850,000 in TSP and a FERS pension? In this episode, Charles and Marcus walk through a real federal retirement case study — the FERS pension formula, Social Security timing, and a safe TSP withdrawal rate — to answer the question everyone in this position is asking: retire now, or wait? ━━━━━━━━━━━━━━━ IN THIS VIDEO YOU CAN LEARN ━━━━━━━━━━━━━━━ - The FERS pension formula — and the 10% bonus you get by waiting to age 62 with 20+ years of service - Why Social Security timing can grow your check by 8% a year after age 67 - The 4% TSP withdrawal rule — and why it's a fuel gauge, not a hard limit - How to build a 3-pillar income floor: FERS pension + Social Security + TSP Are you within a few years of retiring at 60? Drop your target retirement age below, and I'll tell you the first thing I'd check for your situation. ━━━━━━━━━━━━━━━ START HERE ━━━━━━━━━━━━━━━ Apply for a Retirement Consultation: https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/ Get the Digital Federal Retirement Guidebook: https://cdfinancial.org/being-a-federal-employee-book/ Subscribe for Weekly Federal Retirement Planning Content: https://cdfinancial.com/newsletter Want your own version of this math, in writing? Guidebook link above. ━━━━━━━━━━━━━━━ TIMESTAMPS ━━━━━━━━━━━━━━━ 0:00 The $850K Retirement Question 0:28 Welcome to the Podcast 1:40 Setting the Scenario: Age 60, $850K TSP, FERS Pension 3:01 Pillar 1: Your FERS Pension 5:00 Pillar 2: Social Security Timing & Taxes 7:30 Pillar 3: TSP & the 4% Withdrawal Rule 11:08 The Verdict: Retire Now or Wait? 13:22 Recap: The 3-Pillar Checklist 14:12 Subscribe to Watch Next: Your FERS Pension Isn't What You Think ━━━━━━━━━━━━━━━ WHO WE ARE ━━━━━━━━━━━━━━━ CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, and retirement income planning — where health meets wealth. ━━━━━━━━━━━━━━━ IMPORTANT DISCLAIMER ━━━━━━━━━━━━━━━ 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. Educational only; not financial, legal, tax, or investment advice. The $850,000 TSP balance and all figures in this episode are illustrative — your FERS pension, Social Security timing, and safe withdrawal rate depend on your situation. Verify with OPM and SSA. #FERS #FederalRetirement #TSP #SocialSecurity #RetirementPlanning #CDFinancial Support the show

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  Episode #27

  4 federal retirement mistakes you can't undo

  Aug 11, 20266 minS3

  Four federal retirement mistakes to avoid. These decisions have a short window to get right — survivor benefit, FEHB, FEGLI, and TSP withdrawals — and for most of them, there's no fixing it later. In this video, Charles walks through exactly what to do with each one, and why the "obvious" move (cancel, take the lump sum) is usually the expensive one. ━━━━━━━━━━━━━━━ IN THIS VIDEO YOU CAN LEARN ━━━━━━━━━━━━━━━ - Survivor benefit: the short window to change it — and why you can't count on a fix later - FEHB: why you should SUSPEND, never cancel, your federal health insurance - FEGLI: how a 75% reduction on Basic can cost $0 at 65 — don't just cancel it - TSP withdrawals: why pulling a large lump sum is a one-way door Which of the 4 scares you most? Drop a number below ━━━━━━━━━━━━━━━ START HERE ━━━━━━━━━━━━━━━ Apply for a Retirement Consultation: https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/ Get the Digital Federal Retirement Guidebook: https://cdfinancial.org/being-a-federal-employee-book/ Subscribe for Weekly Federal Retirement Planning Content: https://cdfinancial.com/newsletter Want a plan so these are decided on purpose, not by accident? Guidebook link above. ━━━━━━━━━━━━━━━ TIMESTAMPS ━━━━━━━━━━━━━━━ 0:00 FERS Decisions With No Do-Overs 0:42 #1 Survivor Benefit (the 30-Day Window) 1:55 #2 FEHB: Suspend, Never Cancel 3:09 #3 FEGLI: Do the 75% Reduction, Don't Cancel 4:17 #4 TSP Withdrawals: A One-Way Door 5:22 Watch Next: TSP Withdrawals With No Regrets ━━━━━━━━━━━━━━━ WHO WE ARE ━━━━━━━━━━━━━━━ CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, FEGLI, and survivor benefits — where health meets wealth. ━━━━━━━━━━━━━━━ IMPORTANT DISCLAIMER ━━━━━━━━━━━━━━━ 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. Educational only; not financial, legal, tax, or investment advice. Election windows, FEHB/FEGLI rules, and TSP options depend on your situation and current OPM rules — verify with OPM before making elections. #FERS #FederalRetirement #FEHB #FEGLI #SurvivorBenefit #CDFinancial Support the show

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  Episode #114

  Federal Employees Are Withdrawing TSP in the Wrong Order—Here's the Cost

  Aug 6, 202617 minS3

  Have a Financial Advisor for Federal Employees respond to your questions. Apply for a Retirement Consultation: https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/ Two federal employees retire the same year with the same TSP balance. Five years later, one has paid tens of thousands more in taxes. The difference wasn't the market — it was the withdrawal decisions. In this episode, Charles and Marcus walk through the five TSP withdrawal mistakes behind that gap, and how to avoid each one. ━━━━━━━━━━━━━━━ START HERE ━━━━━━━━━━━━━━━ Apply for a Retirement Consultation: https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/ Get the Digital Federal Retirement Guidebook: https://cdfinancial.org/being-a-federal-employee-book/ Subscribe for Weekly Federal Retirement Planning Content: https://cdfinancial.com/newsletter ━━━━━━━━━━━━━━━ IN THIS EPISODE ━━━━━━━━━━━━━━━ - Mistake 1: the big lump sum — why cutting into the "wheel of cheese" too fast can't be undone - Mistake 2: why the tax withheld is NOT the tax you owe (and the filing-season surprise) - Mistake 3: withdrawal order — how pulling from the wrong bucket can cost more than a bad market year - Mistake 4: timing that trips IRMAA and bracket creep — including the 2-year lookback - Mistake 5: the fix — a written withdrawal sequence before you separate - Why the goal isn't the lowest tax THIS year, it's the lowest tax over 20–30 years ━━━━━━━━━━━━━━━ TIMESTAMPS ━━━━━━━━━━━━━━━ 0:00 Same Balance, Tens of Thousands Apart 0:31 Welcome — CD Financial Podcast 2:13 Mistake 1: The Big Lump Sum (The Wheel of Cheese) 3:42 Mistake 2: Withholding Isn't Your Real Tax Bill 6:24 Mistake 3: Withdrawal Order — Traditional vs. Roth 7:48 Sailing the Tides: Adjusting Year to Year 9:30 Lower Brackets Now = Smaller RMDs Later 11:55 Mistake 4: IRMAA & Bracket Creep (2-Year Lookback) 14:52 Mistake 5: The Written Withdrawal Sequence 16:10 Watch Next: FERS Retirement Explained ━━━━━━━━━━━━━━━ WHO WE ARE ━━━━━━━━━━━━━━━ CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, taxes, Medicare, and retirement income planning — where health meets wealth. ━━━━━━━━━━━━━━━ IMPORTANT DISCLAIMER ━━━━━━━━━━━━━━━ 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. Educational only; not financial, legal, tax, or investment advice. Tax brackets, IRMAA thresholds, Social Security taxation, and RMD rules depend on your individual situation and change yearly — verify with the IRS, SSA, and a qualified tax professional before acting. Client examples are anonymized and illustrative. #TSP #TSPWithdrawals #FederalRetirement #IRMAA #TaxPlanning #CDFinancial Support the show

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  Episode #26

  If You're Retiring Now, Watch This Before You Claim FERS

  Aug 4, 20264 minS2

  - Gross vs. net on a FERS pension — and why the difference matters - How the survivor benefit election takes ~10% off the top - Why FEHB (health insurance) is often the single biggest deduction - What federal and state taxes do to what's left - The number that actually reaches your bank account — your "port of entry" Your FERS pension has a number that looks great on paper (gross) and a number that actually lands in your bank account (net) — and the gap is bigger than most federal employees expect. In this short video, Charles walks a $3,000 monthly pension through every deduction, dock by dock, until you see what really comes home. Do you know your FERS NET number? Not just the gross. ━━━━━━━━━━━━━━━ START HERE ━━━━━━━━━━━━━━━ Apply for a Retirement Consultation: https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/ Get the Digital Federal Retirement Guidebook: https://cdfinancial.org/being-a-federal-employee-book/ Subscribe for Weekly Federal Retirement Planning Content: https://cdfinancial.com/newsletter ━━━━━━━━━━━━━━━ TIMESTAMPS ━━━━━━━━━━━━━━━ 0:00 Gross vs. Net — Why It Matters 0:25 The $3,000 Pension Sets Sail 0:30 Deduction 1: Survivor Benefit (–10%) 1:00 Deduction 2: FEHB (Your Health Insurance) 2:01 Deduction 3: Federal Taxes 3:03 Deduction 4: State Taxes 3:26 What Actually Reaches Your Bank Account 3:46 Watch Next: The FERS Choices You Can't Undo ━━━━━━━━━━━━━━━ WHO WE ARE ━━━━━━━━━━━━━━━ CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, and retirement income planning — where health meets wealth. ━━━━━━━━━━━━━━━ IMPORTANT DISCLAIMER ━━━━━━━━━━━━━━━ 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. Educational only; not financial, legal, tax, or investment advice. The $3,000 example and all deduction figures are illustrative — your survivor election, FEHB premium, and tax bracket depend on your situation. Verify with OPM and your agency. #FERS #FERSPension #FederalRetirement #RetirementIncome #CDFinancial Support the show

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