Hosted by Charles Dzama · 🇺🇸 US · EN-US · 280 episodes
Established thought leaders with verified media credentials.
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
Charles Dzama hosts Federal Employees Retirement & Benefits Podcast by CD Financial, a business show with 280 episodes published.
Most federal employees have a number in their head — "I'll retire at 62" — but a number is not a plan. Charles and Marcus break down what an actual written retirement income plan (the Charted Retirement Course) contains:
1. High-3 & step increases — a step increase only lifts your High-3 for the time you're actually in it (stay ~3 years for full credit) 2. TSP allocation — does it match your goals? Start taking risk off the table ~3 year
Show-notes summary: We're halfway through 2026 — the moment most federal employees realize they set retirement goals in January and haven't looked since. Charles and Marcus walk through five things to review now, not in
Which of these terms confused you the most before today — Roth vs. Traditional, RMDs, or capital gains? Tell me below 👇 Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df073
Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20 Get the Digital Federal Retirement Guidebook: https://cdfinancial.org/being-a-federal-empl
Federal retirement planning at 60: if you're a year or two from retiring from federal service with a FERS pension, Social Security, and about $1M saved in your TSP, here are 5 decisions to make before you retire — so you
Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20 Get the Digital Federal Retirement Guidebook: https://cdfinancial.org/being-a-federal-empl
Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20 Get the Digital Federal Retirement Guidebook: https://cdfinancial.org/being-a-federal-empl
Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20 📘 Federal Retirement Resources: Get the digital guidebook to retirement as a federal empl
Get the digital book at no cost to you here: https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/ Want to work with Charles? Apply here: https://cdfinancial.org/schedule-a-meeting/ Checklist Challen
“Die with zero does not mean reckless spending. It means thinking intentionally about how to use your money for experiences, family, giving, and purpose while still protecting your retirement plan.” Get the digital book
Federal employees may hear “COLA increase” and assume their retirement income keeps full pace with inflation, but under FERS, the cost-of-living adjustment can work differently than many expect. Before you retire, it is
Most federal employees are told to roll over their TSP when they retire, but that decision should start with a better question: What is this money supposed to do for you in retirement? In this episode, we break down comm
TSP vs 401(k) rollover strategy isn’t about where the money goes—it’s about what the money is meant to do.” Discover how to decide whether to keep or move your retirement accounts with a clear, purpose-driven plan. Get t
Get the digital book at no cost to you here: https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/ Market corrections reveal whether you have investments or whether you have a retirement plan. If you
Is a tax-free retirement actually possible for federal retirees with a pension—or is it one of the most misunderstood ideas in retirement planning?” This video breaks down how federal retirees can realistically reduce ta
Want to see how this applies to your Retirement Income? Join our April 29th retirement webinar: https://event.webinarjam.com/rygmv/register/gwy3num3 “Your pension isn’t the problem—it’s how your income stacks in retireme
FREE Federal Employee Book (PDF): https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/ The market drops. Don’t flinch. Market corrections reveal whether you have a real retirement plan, especially i
Roth conversions and IRMAA are deeply connected—one decision today can impact your Medicare premiums two years from now. Checklist Challenge: https://cdfinancial.org/checklist-challenge/ FREE 15-minute call: https://cale
Federal employee retirement income stacking can quietly push you into higher tax brackets—turning your pension, TSP withdrawals, and Social Security into a costly tax surprise if not planned properly. “Income stacking in
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Federal Employees Retirement & Benefits Podcast by CD Financial is hosted by Charles Dzama. The show is categorised under business (investing) and has published 280 episodes.
Federal Employees Retirement & Benefits Podcast by CD Financial has published 280 episodes.
Federal Employees Retirement & Benefits Podcast by CD Financial regularly covers business, investing, health. It sits in the business category, with a investing focus.
Federal Employees Retirement & Benefits Podcast by CD Financial is accessible for guests with genuine business expertise. A personalised, episode-aware pitch will still outperform a generic one every time.
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Episodes of Federal Employees Retirement & Benefits Podcast by CD Financial average 15 minutes. a focused format where a clear narrative arc and tight preparation matter most.
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