You don’t need to work longer, you just need a better plan. Schedule a consultation with this link to tailor a plan that suits your unique financial goals:
https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

"Pay less in retirement taxes—because every dollar you keep is a dollar that can work for your future."

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🔗 LINKS MENTIONED

Free Tax Planning Webinar: https://cdfinancial.org/attend-an-event/

IRS Tax Resources: https://www.irs.gov/retirement-plans

TSP Information: https://www.tsp.gov/

⚙️ MY FREE WEBINARS
https://cdfinancial.org/attend-an-event/

Connect with CD Financial for More Insights:
Twitter: /CDFinancial_LLC
Instagram: /CDfinancial.llc
Facebook: /CDFinancialLLC
LinkedIn: /cd-financial-llc

👋 WHO AM I?
At CD Financial, we help federal employees, professionals, and retirees align their money with their values so they can retire with confidence. Our mission is simple: to show you practical strategies that keep more of your hard-earned savings in your pocket, not the government’s.

⌚️ Timestamps

0:00 – Welcome & Why Taxes Matter in Retirement
2:41 – Why Most of Your Retirement Accounts Are Fully Taxable
4:02 – What “Tax-Deferred” Really Means
6:24 – The Garden Analogy: Pay Tax on the Seed or the Harvest
10:04 – Is It Too Late? Why Age Doesn’t Have to Be a Barrier
12:28 – What Happens If You Don’t Make a Plan
13:44 – Why Most Advisors Ignore Tax Planning
15:02 – A Real Example of Tax Planning Success
17:25 – The Mental Health Benefit of Appreciating Today
19:19 – Final Thoughts: Life Is a Gift & So Is Proactive Planning

Get More from CD Financial: Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation:
https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

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.

#RetirementTaxPlanning #KeepMoreOfYourMoney #CDFinancial

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You don’t need to work longer, you just need a better plan. Schedule a consultation with this link to tailor a plan that suits your unique financial goals:
https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

“Submitting your retirement packet early is the smartest way to avoid a delayed first pension check.”

💌 Sign up to my free weekly email newsletter
https://cdfinancial.org/media/#newsletter

Complimentary Retirement Packet Review Call:
https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

⚙️ MY FREE WEBINARS
https://cdfinancial.org/attend-an-event/

Connect with CD Financial for More Insights:
Twitter: /CDFinancial\_LLC
Instagram: /CDfinancial.llc
Facebook: /CDFinancialLLC
LinkedIn: /cd-financial-llc

👋 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 – Introduction: Why Timing Your Retirement Packet Matters – Common Myths About Submission Deadlines
0:28 – What Happens If You Wait Too Long – Real-Life Example: The Army Base GRB Screen
1:04 – The Stress of Making Elections Alone – How to Avoid Delayed Annuity Payments
1:40 – Complimentary Phone Call to Review Your Packet

Get More from CD Financial:
Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation:
[https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call](https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call)

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.

Support the show

You don’t need to work longer, you just need a better plan. Schedule a consultation with this link to tailor a plan that suits your unique financial goals:
https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

You can retire confidently when you have a plan... but who is processing your paperwork—and why it matters more than ever?

💌 Sign up to my free weekly email newsletter
https://cdfinancial.org/media/#newsletter

🔗 LINKS MENTIONED
OPM Retirement Center: https://www.opm.gov/retirement-services/

⚙️ MY FREE WEBINARS
https://cdfinancial.org/attend-an-event/

Connect with CD Financial for More Insights:
Twitter: /CDFinancial_LLC
Instagram: /CDfinancial.llc
Facebook: /CDFinancialLLC
LinkedIn: /cd-financial-llc

👋 WHO AM I?
I’m Charles Dzama, founder of CD Financial. I help federal employees, retirees, and their families understand and optimize their retirement benefits so they can retire with confidence, clarity, and peace of mind. This channel shares insights, strategies, and step-by-step guidance to navigate your federal retirement journey and build lasting security.

⌚️ Timestamps

0:00 – Introduction: Why This Question Matters
1:04 – The Reality of Overwhelmed HR Departments
2:18 – What Happens If You Make a Mistake in Your Elections?
3:35 – Survivor Benefits and Keeping Health Insurance
4:50 – The Challenge of Pulling Your Retirement Packet
6:02 – How to Create a Backup Plan for Delays
7:24 – The Risks of Mishandling Your TSP
8:48 – Building a Written Retirement Income Plan
10:05 – Final Thoughts and How to Get Help

#federalretirement #retirementplanning #whowillprocessmyretirement #fers #tspwithdrawals #cdfinancial

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