As fiduciaries, when we review a $1 million TSP portfolio, our first priority isn’t performance — it’s protecting retirement income from sequence of returns risk, inflation, and unnecessary tax exposure.”

👉 Schedule your complimentary retirement strategy call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube
👉 Checklist Challenge: https://cdfinancial.org/checklist-challenge/
👉 Subscribe for weekly federal retirement insights: https://cdfinancial.com/newsletter

As fiduciaries, we structure a $1 million TSP around income sustainability, risk alignment, and long-term retirement coordination — not just fund selection.

👋 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 Intro – Reviewing $1 Million TSP Case Scenarios
00:49 80% C Fund Near Retirement – Allocation Risk Discussion
01:43 Market Drop Example & Sequence of Returns Risk
03:24 Separating Funds for Income vs Growth
05:48 100% G Fund Allocation – Opportunity Cost & Inflation Risk
07:02 Life Cycle Income Fund as a Conservative Default
09:48 Multiple Life Cycle Funds – Allocation Confusion
12:03 Portfolio Stress Testing Before Retirement
12:38 Withdrawal Sequencing Across Accounts & Tax Considerations
13:40 Coordinating TSP, Pension, Social Security & Written Strategy

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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I've reviewed thousands of federal employee TSP accounts. And the biggest losses usually don't come from market crashes. They come from withdrawal timing, fund allocation at the wrong life stage, and not understanding your three options when you retire.
In this video, we break down the most overlooked Thrift Savings Plan mistakes, including sequence of returns risk, TSP withdrawal rules, and rollover decisions that can significantly impact long-term retirement income.

🔗 LINKS & RESOURCES

TSP CHECKLIST: https://cdfinancial.org/tsp%20free%20guide/

RETIREMENT 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
0:00 Why TSP Decisions Matter in the Final 5 Years Before Retirement
0:47 The Real Risk: Withdrawal Timing & Allocation Mistakes
1:19 Mistake #1 – Keeping the Same TSP Allocation at 55 as at 35
1:51 Understanding Sequence of Returns Risk in Retirement
2:19 A Bucket Strategy Using G, F, C, S & I Funds
2:40 Mistake #2 – How TSP Withdrawals Actually Work (Pro-Rata Rules)
3:37 Mistake #3 – Your 3 TSP Retirement Options Explained
4:31 TSP vs IRA: Tax Planning & Roth Conversion Flexibility
5:10 Real Example: Comparing RMD-Only vs Roth Conversion Strategy
5:33 The Biggest Mistake: Doing Nothing With Your TSP

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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“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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We examine a realistic scenario for a client with a $750,000 TSP/401(K) and a $40,000 pension, focusing on adjustments in fund allocation, and a financial scenario for "Bill" vs. "Jack", one begins withdrawing $3,000 monthly from his TSP and takes Social Security at 62. Understanding crucial aspects like TSP distributions, retirement income, and tax planning is key, and we explore how a bucket strategy retirement approach can help manage these changes effectively.

🔗 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
0:00 Why Retirement Planning Is Different When You Have a Pension
0:47 Treating Your Pension as the Foundation of Retirement Income
1:42 Social Security Timing Mistakes Pension Holders Make
2:39 Using a Pension to Delay Social Security and Increase Lifetime Income
3:02 TSP and 401(k) Withdrawal Strategies With a Pension
4:10 How Pension Coordination Can Extend Portfolio Longevity
4:39 Rethinking Risk Tolerance When You Have Guaranteed Income
5:49 Asset Allocation Changes for Pension-Based Retirees
6:58 The Pension Coordination Checklist (3 Critical Questions)
8:24 Common Pension Planning Mistakes and Missed Opportunities

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

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

Federal employees near retirement: keeping the same TSP allocation you used at 35 could quietly erode your lifetime income, cost you tax flexibility, and expose your savings to sequence-of-returns risk that drains six figures from your hard-earned balance.

Learn the three common TSP mistakes that many federal workers make — and how distribution planning, withdrawal mechanics, and retirement options can make a strategic difference.

Get your FREE TSP Retirement Strategy Guide and avoid costly mistakes https://cdfinancial.org/tsp%20free%20guide

Sequence-of-returns risk, proportional TSP withdrawals, and knowing your post-retirement options are three often-overlooked factors that matter more than your accumulation strategy.

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 TSP Mistakes Matter for Federal Employees
1:10 Sequence-of-Returns Risk Explained for TSP Distributions
2:45 Mistake #1 — Using Accumulation Allocations in Retirement
4:30 Bucket Strategy to Reduce Market Risk
6:00 Mistake #2 — Not Understanding TSP Withdrawal Mechanics
7:50 Prorata Withdrawals and Locked-In Losses
9:25 Mistake #3 — Ignoring Your Retirement Options (IRA, Annuity)
11:40 Tax Planning & Roth Conversion Considerations
13:15 Real-World Example: $750K TSP Scenarios
15:30 Next Steps & Free Guide

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

Lessons in leadership from Navy SEALs reveal how aggressive action, humility, and extreme ownership shape high-performing teams in business and life.”

This video breaks down real leadership lessons from Navy SEAL training and applies them to everyday leadership, teamwork, and accountability. If you lead a team, a business, or a family, these principles matter.

🔗 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 Lessons in Leadership from Navy SEALs (Part 2)
0:25 Principle #1: Default to Aggressive Leadership
1:14 Principle #2: Humility and Checking Your Ego
2:18 Principle #3: Extreme Ownership Explained
3:07 Leadership Failure vs Leadership Accountability
5:05 Teamwork Lessons from Navy SEAL Training
6:11 Encouraging Your Team and Leading from the Back
7:20 Never Leave a Teammate Behind
7:44 Problem Solving Under Pressure
9:28 What Real Leadership Looks Like in Action

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

If you have a defined benefit pension, everything from when you claim Social Security to how you draw your TSP/401k changes — because guaranteed income becomes your foundation for smarter retirement planning.

🔗 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 Pension vs No Pension — Why Retirement Planning Isn’t One-Size-Fits-All
0:28 Why Most People Underuse Their Pension
1:20 Your Pension as the Foundation of Retirement Income
2:12 The Financial House Framework Explained
3:45 Why Claiming Social Security Early Can Be a Costly Mistake
5:05 Social Security at 62 vs 67 vs 70 — Understanding the Math
6:25 How a Pension Creates Flexibility in Retirement Decisions
6:49 Two Retirees, Same Savings — Very Different Outcomes
7:48 Coordinating Pension Income With TSP and 401(k) Withdrawals
8:40 How Strategy Impacts How Long Your Money Lasts
10:02 Should You Be Playing It Safer or Smarter With TSP
11:10 Separating Income Assets From Growth Assets
12:16 Why Pulling Money During Market Drops Hurts Retirement
13:41 Three Questions Every Pension Holder Must Ask
14:58 Using Your Pension as a Strategic Planning Tool
15:41 How to Book a Pension Coordination Review
16:38 Final Takeaways — Don’t Leave Retirement Income Unused

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

Navy SEAL leadership traits aren’t complicated— they’re executed under pressure: cover and move (teamwork), simplify the mission, prioritize and execute, and decentralized command (empowerment). If you’ve ever led a team in business or a federal agency and felt moments of chaos, this framework will feel immediately practical—click “Show More” for the full breakdown.

🔗 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 Navy SEAL Leadership Lessons — Introduction
0:21 Cover and Move: Teamwork Under Pressure
1:14 Simplify the Mission: Clear Communication for Execution
2:17 Prioritize and Execute: Decision-Making in Chaos
3:08 Decentralized Command: Empowering Everyone to Lead
4:04 Leadership Trust: Supporting the Team Without Doing Their Job
4:43 Key Leadership Takeaways
5:04 End

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