If you’re done working in uncertain shutdown-zones instead of on your own terms, now’s the time to lock in your retirement freedom— the longest federal shutdown in history just highlighted what it means to wait.

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

Socials:
Instagram: https://instagram.com/cdfinancial.llc/
Facebook: https://facebook.com/cdfinancial
LinkedIn: https://linkedin.com/company/cd-financial

👋 WHO AM I?
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
0:00 Intro – Why this shutdown matters for your federal retirement plan
0:35 43 Days Unpaid – How the longest U.S. government shutdown exposed your risk
1:00 Credit-card debt & savings wiped out – real stories from federal employees
1:33 The wake-up call – “I want out of this cycle”
2:01 Retirement triggers – 30 years @ 57 vs. 20 years @ 50 for federal service
2:57 Why you need a parachute – the danger of walking away without a plan
3:32 The rules you must know – penalty-free retirement options explained
4:05 Putting together your exit strategy – step-by-step guide for federal employees
4:38 Get a second opinion – why one wrong election can cost you years
5:12 Wrap-up & next steps – your path from views to value

#FederalRetirementPlanning #GovernmentShutdownImpact

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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Should you leave your Thrift Savings Plan (TSP) untouched, roll it to an IRA, or turn it into a lifetime income stream? In this episode, we break down the real-world pros and cons of each TSP retirement option so you don’t accidentally trade away flexibility, tax control, or your spouse’s future security. Most federal employees pick the “simple” choice with TSP—and it can quietly cost them in taxes and lost options later.

👉 FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube
Newsletter: https://cdfinancial.com/newsletter

Your FERS pension and Social Security are already annuities—so before you annuitize your TSP, make sure you’re not giving up control, flexibility, and future tax planning opportunities you may really need in retirement.

Socials:
Instagram: https://instagram.com/cdfinancial.llc/
Facebook: https://facebook.com/cdfinancial
LinkedIn: https://linkedin.com/company/cd-financial

👋 WHO AM I?
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
0:00 3 Options for Your TSP in Retirement
3:45 Option 1 – Annuitizing Your TSP for Lifetime Income
7:30 The Hidden Downsides of TSP Annuitization (Loss of Control & Spousal Protection)
12:45 Option 2 – Leaving Your Money in TSP: “Simple and Cheap” Explained
17:30 Why “Simple and Cheap” Can Be a Problem in Retirement (No Real Plan)
21:30 Option 3 – Rolling TSP or 401(k) to an IRA for More Flexibility
26:00 Tax Planning, RMDs, and Why Uncle Sam Shouldn’t Write Your Retirement Plan
30:00 Health Tip – Why Morning Exercise Supports a Strong Retirement Lifestyle
32:20 Final Thoughts, Getting Help, and Next Steps with CD Financial

#TSPRetirement #FederalRetirement #CDFinancial #ThriftSavingsPlan #retirementplanning

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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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 annuitization

Smart TSP withdrawal strategies for lasting retirement income

How to avoid costly mistakes with TSP rollovers

Whether you’re a federal employee or near retirement, you’ll get actionable insights to make confident decisions for your future.

🔗 FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube
📰 Exclusive newsletter & resources: https://cdfinancial.com/newsletter

Socials:
Instagram: https://instagram.com/cdfinancial.llc/
Facebook: https://facebook.com/cdfinancial
LinkedIn: https://linkedin.com/company/cd-financial

👋 WHO AM I?
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
0:00 — Intro
0:07 — Option #1: Annuitize Your TSP (Why Most Don’t)
0:30 — Impact of Adding a Spousal Benefit
2:37 — Life Happens: Why Dynamic Income Matters
3:07 — Option #2: Leave Your Money in the TSP
4:06 — Required Minimum Distributions & Loss of Control
4:29 — Option #3: Roll Your TSP Into an IRA
8:00 — Mistakes to Avoid With Your TSP
8:30 — Key Takeaways & Next Steps

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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Discover how charitable donations can maximize your tax benefits and support causes you care about. In this video, we unpack:

Strategies for effective charitable giving
Tax deductions for retirees and business owners
Donor-advised funds and philanthropy tips
Common mistakes to avoid when giving
IRS rules and documentation best practices

Key Links & Resources:

Book a FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube

Subscribe 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 social

Socials:
Instagram: https://instagram.com/cdfinancial.llc/
Facebook: https://facebook.com/cdfinancial
LinkedIn: https://linkedin.com/company/cd-financial

👋 WHO AM I?
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
0:00 Intro – Why smart giving matters for retirement & business
1:45 Understanding the standard deduction shift & itemizing challenges
4:30 Strategy #1 – Donor-Advised Funds (DAFs) explained
7:15 Strategy #2 – Donating appreciated assets to avoid capital gains
10:00 Strategy #3 – Qualified Charitable Distributions (QCDs) for retirees 70½
12:50 Strategy #4 – Charitable Remainder Trusts (CRTs) for business owners
15:20 Strategy #5 – Bunching contributions and timing gifts for maximum impact
18:05 How to align your giving strategy with your business and personal legacy
20:30 Next steps & how to leverage this for compliant content and growth

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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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 & D

How taxes affect your Medicare premiums and retirement budget

Planning strategies for federal retirees, including FERS, TSP, Social Security

Real-world tips on managing healthcare costs and avoiding surprises
🔗 FREE 15-minute retirement call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube
📰 Get our newsletter and resources: cdfinancial.com/newsletter

Connect: Instagram @cdfinancial.llc | LinkedIn | Facebook

Socials:
Instagram: https://instagram.com/cdfinancial.llc/
Facebook: https://facebook.com/cdfinancial
LinkedIn: https://linkedin.com/company/cd-financial

👋 WHO AM I?
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
0:00 – What is IRMAA and why you might pay more for Medicare Part B
0:43 – How your income determines Medicare premium brackets
1:13 – Why Roth conversions can trigger higher Medicare costs
1:47 – Examples: pensions, Social Security, and working income
2:13 – TRICARE and mandatory Medicare enrollment at 65
2:33 – How timing your retirement can affect IRMAA penalties
3:01 – Why exceeding income thresholds can double your premiums
3:26 – What to ask your advisor — and finding a fiduciary who knows IRMAA
3:45 – Final thoughts: plan smarter, not longer

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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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 explained
Commission, fee-only, and hybrid models
Pros and cons for federal employees and retirees
401K, FERS, TSP, Social Security timing tips
How to avoid common advisor pitfalls

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

Socials:
Instagram: https://instagram.com/cdfinancial.llc/
Facebook: https://facebook.com/cdfinancial
LinkedIn: https://linkedin.com/company/cd-financial

👋 WHO AM I?
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
0:00 How do financial advisors get paid? (overview & why it matters)
1:08 Fee-Only Planning (hourly/flat retainers, complexity & scope)
3:58 Fee-Based / AUM Explained (typical 1% example, billing in arrears, breakpoints)
6:52 Fiduciary Duty vs. Suitability (what standard protects you)
7:46 Commission-Based Models (insurance, annuities, broker-dealer spreads)
10:18 Real-World Story: Long-Term Care & why commissions may still appear
13:02 Case Study: Preferred stock issue & when clients captured “the spread”
15:06 Performance-Based Fees (the ‘2 and 20’ hedge fund model)
15:58 DIY vs. Hiring an Advisor (tax plan, income plan, sequencing risk)
21:03 Wrap-Up + Health Tip: 4-4-4 (and 4-7-8) breathing for stress

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

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?

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

Socials:
Instagram: https://instagram.com/cdfinancial.llc/
Facebook: https://facebook.com/cdfinancial
LinkedIn: https://linkedin.com/company/cd-financial

👋 WHO AM I?
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
0:00 Intro – “No pension check. How are you going to survive the first few months of retirement?”
0:46 What happens when your agency hasn’t coded you retired yet: “You’re still an annuitant but no check.”
1:10 Ask your credit union or bank: CD access, penalty-free withdrawals, deferred loans.
1:40 Insurance & loan modifications: what banks might offer when you’re waiting for annuity payments.
2:37 Home-equity line of credit (HELOC) as a bridge strategy.
3:28 TSP options if you’re 59½ – in-service rollovers or IRA linkage.
3:52 What if you’re under 59½ and your TSP hasn’t been coded retired? General loan options.
4:54 Two outstanding general loans from TSP? How the law changed.
5:46 Recap of “handful of ideas” to bridge the gap until your first annuity payment.
6:18 Final thoughts: “You don’t have to work longer—you just need a better plan.”

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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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.

🔗 LINKS & RESOURCES
📞 FREE 15-minute consultation: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube
📧 Newsletter: https://cdfinancial.org/newsletter

⏱ TIMESTAMPS
0:00 Intro - Why Use a Financial Advisor?
2:15 When Do You Need Professional Help?
5:30 What Does a Financial Advisor Actually Do?
9:45 Fee Structures Explained
14:20 Fiduciary vs Commission-Based Advisors
18:30 Federal Employee Specific Planning
22:10 Questions to Ask Before Hiring
25:00 Final Thoughts

💼 WHO WE HELP
CD Financial specializes in helping federal employees and near-retirees create sustainable, tax-smart retirement income. Get weekly strategies on TSP, FERS, Social Security timing, tax planning, and retirement readiness.

🔔 SUBSCRIBE for insightful retirement planning advice tailored to federal workers!

📱 CONNECT WITH US
Instagram: https://instagram.com/cdfinancial.llc/
Facebook: https://facebook.com/cdfinancial
LinkedIn: https://linkedin.com/company/cd-financial

#FinancialAdvisor #RetirementPlanning #FederalEmployees #TSP #FERS #FinancialPlanning #RetirementIncome #TaxPlanning #FiduciaryAdvisor #FederalRetirement

⚖️ LEGAL DISCLAIMER
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