This podcast was originally a YouTube video, you can watch that video here: https://youtu.be/ckzscAl3yE4

Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

Direct Link to OPM: https://www.opm.gov/support/retirement/faq/phased-retirement/#:~:text=When%20an%20employee%20elects%20and,continuing%20to%20work%20part%20time

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#RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategy #FERSPhasedRetirement

Support the Show.

This podcast was originally a YouTube video, you can watch that video here:
https://youtu.be/r_zLvEFwldw

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

"Financial security, ensuring we have enough savings and income to support ourselves throughout retirement."

Chapters
0:01 - Podcast Introduction
1:53 - The 3 Retirement Income Mistakes to Avoid
2:10 - Point 1 Failing to Diversify Investments
3:30 - Risk of Over-Concentration
4:13 - Inflation's Impact on Retirement
5:31 - Strategies to Combat Inflation
8:58 - Planning for Long-Term Expenses
10:36 - Point 2 Ignoring Inflation
17:00 - Withdrawal Strategy Essentials
18:29 - Tax Implications of Withdrawals
19:05 - Real-Life Case Study
20:33 - Avoiding Early Withdrawal Pitfalls & Balancing Growth and Income
22:10 - Recap
23:02 - Health Tip

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#retirementplanning

#401K #FinancialAdvice #InvestmentStrategy #Podcast #FinancialSecurity #RetirementIncome #WealthManagement #InflationProtection #Diversification

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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

"Point six: Paying off any remaining debt including mortgages, credit cards, or loans."
"Point ten: Having a purpose in retirement."
"There's healing in movement."

Chapters
0:01 - Welcome Back & Introduction Marcus & Chuck
1:25 - Link on-screen to Part 1
1:50 - Point 6: Eliminating Debt Before Retirement
6:35 - Point 7: Housing Options for Retirees
9:30 - Point 8: Boosting Retirement Savings
12:30 - Point 9: Lifestyle Adjustments in Retirement
16:16 - Point 10: Finding Purpose After Retirement
21:26 - Discussing the Importance of Social Networks
22:35 - Health Tip - Movement
26:00 - Recap and Closing Remarks

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

#RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategy #podcast #financialadvice #retirement #nearretirees #debt #downsizingseniors #relocation #savingmoney #purposeinretirement #lifestyleadjustment #stayingactive

Support the Show.

This podcast was originally a YouTube video, you can watch that video here: https://youtu.be/9mFgp2gE4PM

You don't need to work longer, you just need a better plan. Schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-
complimentary-15-min-phone-call

LINK TO OPM: https://www.opm.gov/retirement-center/fers-information/survivors

"Understanding the FERS Basic Employee Death Benefit (BEDB): A Crucial Safety Net for Federal|
Employees"

Chapters:
0:01 - Introduction to the Episode
0:25 - Why talk about it? - Misconceptions about BEDB
0:40 - Overview of FERS and BEDB
1:20 - Real-life Impact: A Family's Story|
2:35 - How BEDB Works: Detailed Explanation
3:24 - Will I eat up my Sick and Annual Leave Importance of Sick and Annual Leave
4:33 - Strategic Use of Leave for Health Issues
5:15 - Financial Details of BEDB
5:47 - Closing Remarks and How to Get More Information

Connect with CD Financial for More Insights:
Twitter: /CDFinancial_LLC
Instagram: /CDfinancial. Ilc
Facebook: /CDFinancialLLCl
LinkedIn: /cd-financial-Ilc |
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-calli

#RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategy

Support the Show.

This podcast was originally a YouTube video, you can watch that video here: https://youtu.be/GR52AFQWYSQ

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

"Financial security, ensuring we have enough savings and income to support ourselves throughout retirement."

Chapters
0:01 - Podcast Introduction
0:30 - Discussing Texas heat
2:15 - Why address retiree concerns?
3:13 - Dry camping analogy
6:45 - Financial Security Concerns
8:44 - Financial Anxiety on-screen link
11:00 - Healthcare costs for retirees
12:10 - Medicare B on-screen Link
13:23 - Social Security benefits strategy
18:35 - Investment Strategy Concerns
21:40 - Personal back pain story + Health Tip
23:00 - Recap of retiree concerns

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

#RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategy #podcast #financialadvice

Support the Show.

This podcast was originally a YouTube video, you can watch that video here: https://youtu.be/foci4Gf0LRY

Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

Chapters:
0:09 Introduction to FERS Phased Retirement - Overview of what FERS phased retirement is and who it's for.
0:28 Who Should Consider Phased Retirement? - Discussing the ideal candidates for phased retirement and why it might be beneficial.
0:46 Key Benefits of Phased Retirement - Exploring the dual benefits of continuing to work part-time and receiving partial pension payments.
1:10 How Phased Retirement Works - Detailed explanation of the work arrangement, including hours and responsibilities.
1:29 Pension Calculation Explained - Breakdown of how pensions are calculated and paid out During the phased retirement period.
1:50 Earnings and Contributions During Phased Retirement - Understanding the financial implications, including salary and TSP contributions.
2:00 Service Credit Accrual - How full credit for service years is accrued, even when working part-time.
2:27 Preparing for Full Retirement - The emotional and mental benefits of transitioning slowly into retirement.
2:50 Impact on Team and Succession Planning - The role of mentoring and knowledge transfer in organizational continuity.
3:11 Conclusion and encouragement for eligible viewers to consider phased retirement.

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

#RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategy #FERS #PhasedRetirement

Support the Show.

This podcast was originally a YouTube video, you can watch that video here:

https://youtu.be/Hj-W1nadim4?si=ic4Diplp-dGpz7Ky

Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

Chapters outline

0:01 - Introduction: Welcome by hosts Marcus C and Chuck D, a preview of the episode's focus on debunking Roth IRA myths.

1:05 - Background: Discussion of childhood stories and urban legends, transition into Roth urban legends.

2:06 - Overview of Roth IRAs: Introduction of viewer and listener questions about Roth IRAs, format explanation.

2:48 - Question 1: Why is there so much talk about a Roth?

4:15 - Question 1B: What is a Roth IRA? Detailed explanation of Roth IRAs, their structure, and benefits.

5:17 - Question 2: Income Limits: Addressing myths about income limits for funding a Roth IRA and explaining employer-sponsored Roth options.

7:25 - Question 3: Employer Restrictions: Clarifying misconceptions about employer restrictions on Roth contributions.

8:30 - Question 4: Need for Tax Breaks: Analysis of the immediate tax breaks versus long-term tax-free withdrawal benefits.

9:53 - Question 5: Taxes in Retirement: Debunking myths about lower taxes in retirement and emphasizing long-term planning.

11:20 - Question 6: Tax on Withdrawals: Explanation of tax-free withdrawals under specific conditions.

12:36 - Question 7: Backdoor Roth: Discussion on the strategy and legality of backdoor Roth conversions.

15:32 - Question 8: Am I too good-looking to have a Roth?

16:08 - Question 9: Spousal Roth IRA: Clarifying the ability of non-working spouses to contribute to Roth IRAs under certain conditions.

17:39 - Question 10: Roth Conversions at Work: Addressing whether Roth conversions can be done within workplace retirement plans.

19:02 - Question 11: Early Roth Conversions: Explaining the possibility and implications of Roth conversions before age 59 1/2.

21:38 - Question 12: Am I too successful to have a Roth? Success and Roth IRAs: Debunking the myth that success or appearance affects Roth IRA eligibility.

23:00 - Health Tip: Deep Breathing: Benefits of deep breathing for mental and physical health, shared personal insights.

28:30 - Conclusion: Recap of the episode, encouragement to consult professionals regarding Roth IRAs, and farewell by hosts.

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

#RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategy

Support the Show.

This podcast was originally a YouTube video, you can watch that video here: https://youtu.be/DZNgg-ZoEeI

Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

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/dza...

#RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategy

Support the Show.