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/

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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.”

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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?

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🔗 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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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

"Will your pension, Social Security, and TSP really be enough to maintain your lifestyle in retirement?"

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🔗 LINKS MENTIONED

Institute for the Achievement of Human Potential: https://iahp.org

GRB Platform (Pension Estimate Reference)
In-N-Out Burger: https://www.in-n-out.com
Viking River Cruises: https://www.vikingrivercruises.com

⚙️ 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, where Health Meets Wealth. On this channel, we help federal employees and retirees make confident decisions about their pensions, TSP, Social Security, and tax planning—so you can retire with clarity, confidence, and the lifestyle you deserve.

⌚️ Timestamps
0:00 – Introduction: Will your pension, Social Security, and TSP be enough?
2:18 – Defining "enough": What does a sustainable retirement look like?
4:11 – Understanding your true net take-home income
8:07 – Rental properties: Income source or tax write-off?
11:10 – Inflation: Why you can’t ignore it in your plan
12:55 – Why some of your money must stay invested in the market
17:01 – Retirement lifestyle: Travel, dining, and hidden costs
20:00 – Tax-advantaged income strategies and Social Security taxation
22:04 – Longevity risk: Will your money outlive you?
23:07 – Neuroplasticity and exercise: A health tip for lifelong learning
26:06 – Recap and how to schedule your complimentary call

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.

#RetirementPlanning #FederalEmployeeBenefits #TSPStrategy #PensionPlanning #SocialSecurityTips #InflationProtection #CDFinancial #RetireConfidently

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“Not all financial advice is created equal — and for federal employees, the wrong advice can cost you thousands.”

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

Why federal employees get bad financial advice – and what to do instead

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🔗 LINKS MENTIONED
• Medicare Part B and federal retirees video:https://www.youtube.com/playlist?list=PLQ27B213339qX5bUh-Wod_AUALndbi8t-
• Webinar sign-up: https://cdfinancial.org/attend-an-event/

⚙️ 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 specialize in helping federal employees make smarter decisions about their retirement, healthcare, and insurance. Our goal is to help you live a healthy, wealthy retirement by understanding the systems that matter — from FERS and TSP to FEHB and survivor benefits. Whether you're 5 years from retirement or already collecting a pension, we’re here to help you make sense of the rules and create a plan you can trust.

⌚️ Timestamps
0:00 – Welcome to CD Financial: Why are federal employees getting bad advice?
1:55 – Reason #1: Water cooler advice from well-meaning coworkers
5:06 – Reason #2: HR personnel are overwhelmed or undertrained
8:32 – Reason #3: Free agency seminars pushing product-first strategies
11:33 – Reason #4: Advisors who don’t know federal benefits (FEHB, TSP, FERS)
13:28 – Common mistakes on Medicare Part B, survivor benefits, and elections
16:12 – Health Tip: The power of forgiveness to improve your well-being
18:11 – Final thoughts: Get advice that’s built around your situation

#federalretirement #fers #thriftSavingsPlan #tsp #cdfinancial #federalbenefits #retirementplanning #financialadvisorforfederalemployees #retirementsimplified #medicarepartb #openSeason #survivorbenefits #federalemployees

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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

"The only way your spouse keeps FEHB after you die is by electing the survivor benefit—don’t make this avoidable mistake."

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🔗 LINKS MENTIONED
▶️ How Survivor Benefits Work: https://cdfinancial.org/survivor-benefit-guide
📘 Retirement Toolkit: https://cdfinancial.org/tools

⚙️ 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 and retirees align their benefits with a life of financial peace and purpose. This channel covers everything from FERS pensions and TSP optimization to real-life retirement strategies and FEHB planning—because financial security shouldn’t be a mystery.

⌚️Timestamps

0:00 – Intro: Why survivor benefits matter
0:25 – Don’t make this FEHB mistake
0:48 – What 25% or 50% Survivor Benefit actually means
1:20 – Real-life pension examples: $4,000 pension breakdown
1:33 – How FEHB eligibility is tied to Survivor Benefit election
2:00 – If you choose “no survivor benefit,” what happens?

📞 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.

#SurvivorBenefit #FEHBPlanning #FederalRetirement #FERSPension #CDFinancial #RetirementPlanning #HealthInsuranceForSurvivors #FederalEmployeeBenefits #LiveWithPurpose

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You don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

"Eventually, your retirement will get processed… unfortunately, ‘eventually’ might be a lot longer than you thought."

Chapters
0:00 - Introduction: Will your retirement actually get processed?
0:30 - The disappearing retirement counselors
2:15 - A heartbreaking client story from the Treasury
3:13 - Real-time retirement guidance via Zoom
6:45 - The silent crisis: HR departments are overwhelmed
8:44 - False sense of security: Who’s really helping you?
11:00 - No one is assigned to help anymore
12:10 - Confusion over military buyback numbers
13:23 - The myth of the retirement specialist
18:35 - Why getting a second set of eyes could save your future

Connect with CD Financial for More Insights:

Twitter: /CDFinancial_LLC
Instagram: /CDfinancial.llc
Facebook: /CDFinancialLLC
LinkedIn: /cd-financial-llc Visit our Website: https://cdfinancial.org/
Subscribe and Stay Updated: Don’t miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.

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.

Support the show

You don’t need to work longer—you just need a better plan.
Book your complimentary consultation to design a strategy aligned with your retirement goals:
👉 https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

📽️ About This Video
If you're a federal employee nearing retirement, don't cancel your FEGLI benefits too soon. In this video, Charles explains the real cost of giving up Basic Group Life Insurance and walks you through smarter reduction strategies.
Quote: "Financial security doesn't always mean adding more—sometimes it means preserving what you've already earned."

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Practical tips, real stories, and smart strategies—delivered every week.
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🍿 Watch Next
Binge the full retirement strategy playlist here:
▶️ https://www.youtube.com/playlist?list=PLQ27B213339p7Kaa5SRssQcLe96K2AW6-

🔗 Links Mentioned
[Add links to FEGLI calculators, government resources, or client story references used in the video.]

⚙️ Events and Courses
Join an upcoming webinar or workshop:
🎟 https://cdfinancial.org/attend-an-event/

🌐 Connect with CD Financial
📍 Twitter: @CDFinancial_LLC
📍 Instagram: @CDfinancial.llc
📍 Facebook: CDFinancialLLC
📍 LinkedIn: cd-financial-llc
🌐 Website: https://cdfinancial.org/

👋 About Me
I’m Charles Dzama, founder of CD Financial. We help federal employees create calm, confident retirements by maximizing their benefits and protecting their long-term security. With years of experience navigating the complexities of FERS, TSP, and FEGLI, I bring strategy, clarity, and care to every conversation.

⌚ Timestamps
0:00 – Introduction
0:30 – Why You Should Not Cancel Basic FEGLI
2:15 – Real Client Case: Stroke, Limited Life Expectancy
3:13 – Choosing 50% vs. 75% Reduction for FEGLI
6:45 – Understanding the Cost of Option B
8:44 – What Happens to Option B at Age 60 and 65
11:00 – Monthly Premium Breakdown
12:10 – Insurance Coverage Through Age 69
13:23 – Final Advice
18:35 – Book a Call

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