If You Don't Understand These 5 Pillars, You May Not Ready to Retire

“Federal retirement planning doesn’t need to be a 60-page binder. Most near-retirees only face two or three major decisions that truly determine their long-term income, tax efficiency, and peace of mind.”

If you’re a federal employee approaching retirement and wondering how to structure your TSP withdrawals, coordinate FEHB with Medicare, or decide when to claim Social Security, this episode breaks down a simpler, step-by-step approach designed to create clarity instead of overwhelm. Click “Show More” to see how the Chartered Retirement Course works.

🔗 LINKS & RESOURCES
Checklist Challenge: https://cdfinancial.org/checklist-challenge/
FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube
Newsletter: https://cdfinancial.com/newsletter

👋 WHO ARE WE?
CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.

⏱ TIMESTAMPS
00:00 Why Traditional 60-Page Financial Plans Don’t Work
01:13 The Real Problem: Information Overload in Retirement Planning
01:43 Introducing the Chartered Retirement Course (CRC)
02:09 The 5 Phases: Income, Investments, Taxes, Healthcare, Legacy
05:00 The Big Retirement Decisions That Actually Matter
06:21 Step 1: Peace of Mind Visit – Clarifying Your Retirement Goals
09:46 Step 2: Retirement Course Design – Pension, Social Security & TSP Analysis
11:59 Step 3: Plan Confidence Visit – Connecting the Income Strategy
13:11 Step 4: Ongoing Strategy & Fiduciary Partnership
17:41 Real Case Study: Federal Employee Retirement Clarity
21:09 How to Schedule Your Complimentary Retirement 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.

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