Federal Employees Retirement & Benefits Podcast

Unlock the most overlooked Thrift Savings Plan (TSP) strategies for federal retirees! This video covers three powerful—but often missed—TSP retirement options that can increase your financial security. Discover:The unique benefits and risks of TSP annuitizationSmart TSP withdrawal strategies for lasting retirement incomeHow to avoid costly mistakes with TSP rolloversWhether you're a federal employee or near retirement, you'll get actionable insights to make confident decisions for your future.

Discover how charitable donations can maximize your tax benefits and support causes you care about. In this video, we unpack:Strategies for effective charitable givingTax deductions for retirees and business ownersDonor-advised funds and philanthropy tipsCommon mistakes to avoid when givingIRS rules and documentation best practicesKey Links & Resources:Book a FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtubeSubscribe for weekly tips on retirement, taxes, and financial planning.CD Financial helps federal employees, retirees, and business owners create sustainable, tax-smart retirement income. For more, visit our website or follow us on socialSocials:Instagram: https://instagram.com/cdfinancial.llc/Facebook: https://facebook.com/cdfinancialLinkedIn: https://linkedin.com/company/cd-financial

Confused about why your Medicare Part B premium is higher? Discover how IRMAA (Income-Related Monthly Adjustment Amount) impacts your Medicare costs and what federal employees and retirees can do about higher premiums. This video covers:What is IRMAA and why it matters for Medicare Part B & DHow taxes affect your Medicare premiums and retirement budgetPlanning strategies for federal retirees, including FERS, TSP, Social SecurityReal-world tips on managing healthcare costs and avoiding surprises

Curious about how financial advisors actually earn their income—especially for federal employees and retirees? This video demystifies how advisors are paid, explains fee structures, and helps you choose the best financial guidance for your retirement planning.KEY TOPICS COVERED:Financial advisor fees explainedCommission, fee-only, and hybrid modelsPros and cons for federal employees and retirees401K, FERS, TSP, Social Security timing tipsHow to avoid common advisor pitfalls

Are you a federal retiree still waiting for your first pension check? You're not alone—delays at OPM are leaving thousands in financial limbo. In this video, learn bridge strategies to cover expenses, avoid financial hardship, and what steps you can take now if your federal retirement payment is late.Your pension check might not be processed—so what are you going to do when no pension checks are being processed?

Should you work with a financial advisor? Discover when hiring a certified financial planner makes sense for federal employees and retirees—and when DIY investing might be enough.Learn the real value a fiduciary financial advisor brings to your retirement planning, from tax-smart strategies to FERS benefits optimization. Whether you're nearing retirement or managing TSP withdrawals, this guide covers what to expect when working with a professional advisor.

When the government stops, your bills don't. Learn how to stay financially steady during a federal shutdown and protect your essentials.When federal paychecks pause, preparation becomes protection. Here's how to manage bills, cash flow, and peace of mind through a government shutdown.

Medicare Part B premium costs can jump because of IRMAA (Income-Related Monthly Adjustment Amount) when your MAGI crosses key thresholds—especially for federal retirees with pensions, Social Security, and RMDs. Learn how timing, Roth conversions, and TRICARE for Life choices can influence your Medicare Part B and Part D costs without panic or fear-mongering.IRMAA isn't a penalty—it's a higher Medicare Part B and D premium triggered by income. With smart tax planning, you can navigate the thresholds instead of getting surprised.

Your pension check hasn't arrived yet — and it's been months?That's not a rare story anymore. Federal retirement delays are real, and it's time to prepare for them. OPM processing times have stretched far beyond the traditional six to eight weeks, and thousands of retirees are waiting much longer for their first payment.

Is your federal job at risk? Learn everything about the 2025 government shutdown, Reduction in Force (RIF), furloughs, and how they impact federal employees with expert Ann Vanderol. This urgent breakdown covers what you need to know RIGHT NOW to protect your career, benefits, and retirement.

How will the 2025 government shutdown impact federal employees, retirees, and those receiving Social Security? In this urgent update, CD Financial unpacks the latest on furloughs, layoffs, and Reduction in Force (RIF)—plus what steps you need to take right now.

Is the new OPM Online Retirement Application (ORA) speeding up federal retirement or causing more delays? In this video, CD Financial explains the digital process, timelines, hidden pitfalls, and speedy tips for federal employees (FERS & CSRS) preparing to retire. Learn how to optimize your paperwork, avoid late annuity payments, and get the answers to crucial OPM system changes for 2025.

How will the October 2025 government shutdown impact federal employees, retirees, and Social Security recipients? In this video, CD Financial breaks down what you can expect, tips to protect your income, how to bridge financial gaps, and updates on benefits. Get expert retirement and financial planning strategies tailored to the federal workforce. 

A financial advisor doesn't just manage your investments — they design a roadmap to your goals, protect your lifetime income, and adapt your plan when life changes.

When should you retire—62, 65, or 67? The right decision could mean a bigger pension, stronger Social Security benefits, and more years to enjoy your retirement income.

Don't let inflation erode your retirement — this video shows you how you can protect your 2025 Federal Pension COLA for income liquidity from day one.By rolling over a portion of your TSP into an IRA before retirement and having liquid funds in place, you can increase the quality of the first few months of retirement without delays in your pension COLA or benefits.

DIY retirement income often fails not because of market drops—but because emotional selling, poor tax planning, and wrong withdrawal timing silently drain your savings.For many DIY retirees, the fatal five are market corrections, shifting from accumulation to income without a strategy, lack of access to durable income instruments, mismanaged tax implications, and uncertainty about whether their money will last through retirement.

Don't run out of money before you run out of life—build a written retirement income plan you can count on.Large, poorly timed withdrawals and RMD surprises can wreck a portfolio—separate income from growth and let a tax plan, not emotions, drive your decisions.

How to survive a delayed federal retirement pension check? Avoid financial ruin by building your bridge plan now.Many federal retirees are shocked to find that not only is the regular pension delayed for months, but even the first estimated check may be missing — you need a bridge strategy in place so you aren't left without income.This channel helps federal employees and retirees protect their financial security by providing clear retirement planning strategies, income-gap solutions, and the tools you need to transition into retirement with confidence. Subscribe for expert guidance, real stories, and actionable advice you can use.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⏱ TIMESTAMPS0:00 Intro: What happens when your retirement check doesn't arrive0:35 Understanding the delay: regular pension vs estimated checks1:08 What zero income looks like in your first few months post-retirement1:50 Sources to fill the gap: savings, private accounts, disability income2:12 Real-life case: “Tom and Carla” — one unprepared, one protected2:45 Risks of credit card debt and borrowing to survive3:17 Building a bridge fund: how much you really need (example)3:54 Using TSP → IRA when you're over 59½ to access funds sooner4:21 Planning isn't about working longer — it's about smarter preparationTwitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /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.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

“Lead a charted retirement course by separating income assets from growth assets for true recession‑proof peace of mind.”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-callChapters 0:00 – Welcome & intro: What does "recession-proof your retirement" really mean?0:46 – Chuck's ocean swimming analogy – being knocked down but getting back up in retirement4:09 – Why retirees must pay attention to recessions and sequence of returns risk6:26 – “Do's vs. Don'ts”: The dangers of pulling from declining assets (doofus vs. gallant)10:01 – Why pulling from a down portfolio compounds losses—30%+ rebound needed11:20 – What you *should* do: Separate income and growth assets for stability12:27 – Avoid volatility in your retirement “paycheck”13:45 – Peace of mind visit: planning your retirement voyage with charts16:13 – How to schedule your consultation: text vs. call details16:57 – Summary: balance growth and stability for a recession-resilient plan18:28 – Mental health tip: when you take a break, really take a break20:04 – Final thoughts: Recessions are inevitable—your response doesn't have to be20:43 – Wrap-up: Thanks for joining — check the resource library belowConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial‑llc

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/dza...“You don't need to work longer, you just need a better plan.”⌚ Timestamps / Chapters0:00 – Introduction: Holding Too Much Cash? – Charles introduces the question: is your money sitting idly—and losing value?0:40 – The Comfort vs. Inflation Trap – Why that “feel-good” bank balance may actually be shrinking in real terms.0:59 – Real Yield After Taxes – The sting of a 33.3% total tax drag on interest income.1:33 – Tax-Deferred Alternatives: Multi-Year Annuities (MYA) – How these stacked deferrals can offer higher effective returns.2:55 – Balancing Liquidity and Risk – Strategically using annuities vs. keeping cash on hand.3:19 – Index Funds vs. Mutual Funds – Why ETFs and long-term holdings can be more tax-efficient than daily-rebalancing mutual funds.4:30 – Real Estate in the Mix – Considering rental properties like a SoCal triplex for diversification and tax benefits.5:17 – Emergency Fund Strategy – How much cash is truly necessary—6 to 8 months or more for remodels or renovations.5:51 – Working with a Fiduciary – Why specialized help matters, especially for federal employees.6:37 – Roth Contributions as an Alternative – Funding Roth IRAs or Roth TSPs for tax-free growth.7:10 – Leveraging Roth TSP/401(k) – The long-term benefits of Roth accounts for you and your heirs.7:44 – Wrap-Up & How to Reach Us – Learn more, schedule a call, and remember—it's not about working longer, it's about planning smarter.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 peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call“The Social Security Fairness Act ensures fairness for public servants who planned wisely in their careers — they should never be penalized for planning well.”⌚ Timestamps0:00 – Introduction: What Is the Social Security Fairness Act?0:36 – Storytime: From VCRs and Blockbuster to Uncle Joe's Last Acts2:08 – What Were WEP & GPO and Why Did They Exist?3:24 – Who Was Impacted: CSRS, Teachers, Police, Fire, Railroad Employees5:10 – Real-Life Examples: Clients and Back Payments (e.g., “Patty P.”)11:52 – When Did It Take Effect? (January 1, 2025)12:14 – SERS Offset Cases: How They Were Finally Fixed13:25 – Real-Life Wins: Who Benefited and Why It Matters13:50 – Health Tip: Surround Yourself with Healthy Influences14:53 – Couples Who Sweat Together Stay Together—Working Out with Loved Ones19:07 – Closing Thoughts and How to Get More from CD FinancialConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /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-callAdvisory 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 peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call“The Big Beautiful Bill is putting more money in your pocket—through bigger deductions, senior benefits, and opportunities to turn tax savings into retirement freedom.”

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"Federal job rehiring isn't just about a paycheck—it's about purpose, security, and knowing if going back is the right move for your future."

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“Returning to federal service? Your prior years still count—if you didn't take a refund, you keep that service credited.”

What happens if I get hired back? A supplemental annuity?What is a Redetermined Annuity? Five years might be big! What's the catch?  Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call“Maximizing your federal pension by understanding supplemental annuities when rehired”⌚️ Timestamps0:00 – Can I get hired back to my federal job? The kicker explained  0:24 – How supplements work if you return while collecting a pension  0:46 – What happens if you haven't built your “high‑3” salary average  1:14 – The impact of 5 years of rehire: redetermined annuity explained  1:38 – How returning could boost your entire pension calculation  2:09 – The kicker: salary offset when receiving a VA or agency pension  2:41 – Specific examples of pay reduction formulas  3:15 – Offers from other agencies: what to consider before rehiring  3:31 – Schedule a call to get personalized help from CD FinancialConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /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-callAdvisory 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 peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Everything's going to be all right. You won't be left destitute. You've got people who care."Chapters0:00 – Podcast Introduction0:30 – The Power of Decency & Brisket for the Soul2:15 – Mental Health in Retirement Transitions3:13 – When You Feel Anxious, We Feel It Too6:45 – Don't Be Anxious About Tomorrow8:44 – What You Have Today Might Be All You Need11:00 – Staying Grateful Through Crisis: Sandy & Texas Freeze12:10 – Bringing Your Own Sunshine to Work13:23 – Surviving a Rip Tide and Keeping Perspective18:35 – Parenting, Privilege & Perspective21:40 – Health Tip: Make Gratitude a Daily Practice23:00 – Recap and a Virtual Hug from the CD Financial FamilyConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /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#RetirementPlanning #OpenSeason2024 #FEHB #FederalEmployees #HealthInsurance #Podcast #FinancialWellness #CDFinancial #HealthMeetsWealth #InsuranceComparisonAdvisory 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

“Use the Rule of 100 to assess your risk tolerance and ensure your retirement income remains stable.”

You don't need to work longer, you just need a better plan. Schedule a consultation here to tailor a retirement plan aligned with your purpose and health: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call“Find your health‑style in retirement—keep moving your body, mind, and heart.”

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“One Big Beautiful Bill: What It Means for Your Wallet and Your Family”

Want help making your cash actually work for you? Schedule a complimentary consultation to tailor a plan that fits your unique financial landscape: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call“Don't let inflation silently erode your savings—build a tax-smart plan so your cash isn't just sitting there losing value.”

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:

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."

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.”

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

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?"

“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:

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:

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."Chapters0:00 - Introduction: Will your retirement actually get processed?0:30 - The disappearing retirement counselors2:15 - A heartbreaking client story from the Treasury3:13 - Real-time retirement guidance via Zoom6:45 - The silent crisis: HR departments are overwhelmed8:44 - False sense of security: Who's really helping you?11:00 - No one is assigned to help anymore12:10 - Confusion over military buyback numbers13:23 - The myth of the retirement specialist18:35 - Why getting a second set of eyes could save your futureConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /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-callAdvisory 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:

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-callFederal employees often receive bad financial advice from well-meaning coworkers, impacting their retirement. Knowing your federal benefits is crucial, especially when it comes to retirement planning. Secure your future with a solid plan, focusing on your federal employee benefits."You want a plan in place that's in writing, integrates all your benefits, and lasts as long as you do."Chapters0:00 – The Problem with Coworker Advice1:30 – Free Workshops and Hidden Agendas2:20 – When Advisors Don't Understand Federal Benefits – FEHB and Medicare Part B Misguidance3:04 – Bad TSP Advice and G-Fund Misuse – Survivor Benefit Confusion – Emptying Your TSP? Think TwiceConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /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#FederalRetirement #TSPPlanning #FERS #CDFinancial #ThriftSavingsPlan #RetireSmart #FinancialAdvice #FederalEmployee #RetirementIncomePlan #FEHBAdvisory 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 peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Administrative leave isn't just time off—it's a rare opportunity to prepare your future while still getting paid."Chapters:0:00 - Introduction to Administrative Leave2:38 - Understanding Administrative Leave Benefits8:15 - Maximizing Your Time on Administrative Leave11:46 - Planning for Retirement During Leave15:11 - Entrepreneurial Opportunities on Administrative Leave18:11 - Health Tips: Rucking for FitnessConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /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#RetirementPlanning #FederalEmployees #Podcast #FinancialWellness #CDFinancial #HealthMeetsWealth #insurancecomparison Admin Leave Facts Sheet:https://www.opm.gov/policy-data-oversight/pay-leave/leave-administration/fact-sheets/administrative-leave/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

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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"Retirement isn't about quitting work. It's about gaining the freedom to choose what matters most."Chapters0:00 - Introduction0:30 - When Is the “Right” Time to Retire?2:15 - Why Age 62 Isn't the Golden Number for Everyone3:13 - Considering Your Pension & TSP Income6:45 - What Happens If You Retire at 57 Instead?8:44 - The Hidden Cost of Delaying Retirement11:00 - Health Benefits: Before and After You Leave12:10 - Social Security: Early vs Delayed Strategies13:23 - Emotional Readiness: More Than Just Numbers18:35 - Case Study: Retired at 59 With Peace of Mind21:40 - Health Tip: Building a Routine Before You Retire23:00 - Recap & Key TakeawaysConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /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#RetirementPlanning #FEHB #FederalEmployees #Podcast #FinancialWellness #CDFinancial #HealthMeetsWealthAdvisory 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 peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"The most important decision you make ..."Chapters 0:00 - IntroductionConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /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#RetirementPlanning #OpenSeason2024 #FEHB #FederalEmployees #HealthInsurance #Podcast #FinancialWellness #CDFinancial #HealthMeetsWealth #InsuranceComparisonAdvisory 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 peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"The waiting is the hardest part. But knowing your rights and understanding the DRP process can help you move forward with confidence."Chapters0:00 – Introduction0:30 – What Happened to the DRP? Did You Request It?2:15 – Agency Responses & The Brisket Analogy3:13 – No Response? Here's What to Do6:45 – Highly Qualified Experts & Mission Critical Employees8:59 - Agency-Specific Insights on DRP12:13 - Changes in Response Times and Rights15:08 - Navigating the DRP Process18:00 - Audience Engagement and FeedbackConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /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#RetirementPlanning #OpenSeason2024 #FEHB #FederalEmployees #HealthInsurance #Podcast #FinancialWellness #CDFinancial #HealthMeetsWealth #InsuranceComparisonAdvisory 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 peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"If you take care of yourself now, you're going to be so much happier later. You only get one body—treat it like it matters."Chapters 0:00 - Introduction, Friends & Therapy0:20 - The First Step to Winning Any BattleConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /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#RetirementPlanning #FEHB #FederalEmployees #HealthInsurance #Podcast #FinancialWellness #CDFinancial #HealthMeetsWealth #mentalhealthawareness 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 peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call“Financial security means knowing your rights, not just your numbers—especially when your future is on the line.”

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“Financial security isn't just about when you retire—it's about making sure your retirement lasts.”Chapters0:00 – Podcast Introduction0:30 – Pushing Through Tough Times2:15 – Planning a SoCal Trip: Finding Joy Amid Uncertainty3:13 – IRS Layoffs: What's Happening and Why6:45 – How Many Employees Have Taken the DRP?8:44 – Impact on Cities and Local Economies11:00 – Retirement Scenarios: Pros and Cons of Early Retirement12:10 – Financial Risks of Accessing TSP Too Soon13:23 – Exploring New Career Paths Post-IRS18:35 – Starting a Business After Federal Employment21:40 – Health Tip: Why Exercise Reduces Anxiety23:00 – Recap and Next StepsConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /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#RetirementPlanning #FEHB #DRP #FederalEmployees #HealthInsurance #Podcast #FinancialWellness #CDFinancial #HealthMeetsWealthAdvisory 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 peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube"The most important decision you make ..."Chapters0:00 - Podcast Introduction - Island Inspiration and Oceanside Seminar Reflections1:05 - Food, Culture, and Street Market Adventures - Street Vendors and High-Quality Belts5:55 - Are We in a Recession Right Now?7:30 - How Recession Anxiety Impacts Federal Employees10:00 - Commercial Real Estate and Vacancy Rates12:00 - The $2.7 Trillion Commercial Debt Issue - Opportunities During Market Downturns18:35 - Recession Preparation Strategies21:40 - Health Tip: Gratitude as a Tool for Resilience23:00 - Final Thoughts and How to Build Your Financial HouseConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /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/complimentary-15-minute-phone-call-youtube#RetirementPlanning #OpenSeason2024 #FEHB #FederalEmployees #HealthInsurance #Podcast #FinancialWellness #CDFinancial #HealthMeetsWealth #InsuranceComparisonAdvisory 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