Federal Employees Retirement & Benefits Podcast by CD Financial

Charles Dzama
  • 4.8 (9)
  • Investing
  • Updated Weekly

The objective of this podcast is to educate and enlighten you about your federal benefits and to guide you in creating a well-formed retirement income plan. Schedule your complimentary 15-minute phone call today! https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

  1. Federal Employee Roth Strategy — Why Susan Gained $80K Over Linda #casestudy

    2d ago

    Federal Employee Roth Strategy — Why Susan Gained $80K Over Linda #casestudy

    Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20 Get the Digital Federal Retirement Guidebook: https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/ Take the Checklist Challenge: https://cdfinancial.org/checklist-challenge/ Subscribe for Weekly Federal Retirement Planning Content: https://cdfinancial.com/newsletter Why One Federal Employee’s Roth Strategy Created an $80K Difference Federal employee Roth strategy can make a major difference in how your retirement income is taxed. In this case study, we compare Roth TSP vs Traditional TSP decisions and show why Susan’s projected outcome gained $80K over Linda’s. If you are a federal employee trying to decide between Roth TSP contributions, Traditional TSP contributions, or whether a Roth in-plan conversion may fit into your retirement strategy, this video walks through the planning factors that can affect your taxes, withdrawals, and long-term retirement flexibility. Whether you are trying to reduce future tax pressure, create more flexible retirement income, or avoid common mistakes around TSP withdrawal planning, this episode shows why the same retirement account can produce very different outcomes depending on the strategy behind it. ━━━━━━━━━━━━━━━ FEDERAL RETIREMENT RESOURCES ━━━━━━━━━━━━━━━ TSP Traditional and Roth Contributions: https://www.tsp.gov/making-contributions/traditional-and-roth-contributions/ TSP Roth In-Plan Conversions: https://www.tsp.gov/investing-strategies/roth-in-plan-conversions/ OPM Retirement Center: https://www.opm.gov/retirement-center/ ━━━━━━━━━━━━━━━ TIMESTAMPS ━━━━━━━━━━━━━━━ 0:00 Federal Employee Roth Strategy Case Study 1:12 Why Susan and Linda Had Different Retirement Outcomes 3:05 Roth TSP vs Traditional TSP Explained 5:18 The Tax Timing Mistake Many Federal Employees Miss 7:42 How Roth Strategy Can Impact Retirement Income 10:16 Roth In-Plan Conversions and Federal Employees 12:35 What Federal Employees Should Review Before Retirement 14:20 Next Steps for Your Federal Retirement Plan ━━━━━━━━━━━━━━━ WHO WE ARE ━━━━━━━━━━━━━━━ CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, Medicare, survivor benefits, retirement income planning, and health-focused financial strategies. Our mission is simple: Help federal employees retire with more clarity, confidence, and peace of mind. Subscribe for practical federal retirement planning content designed to help you better understand your benefits, avoid common planning gaps, and prepare for your next chapter with confidence. ━━━━━━━━━━━━━━━ IMPORTANT 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. This video is for educational purposes only and should not be considered financial, legal, tax, healthcare, or investment advice. Federal retirement decisions depend on your individual service history, agency records, health coverage, survivor needs, retirement income goals, tax situation, and personal circumstances. Always consult qualified professionals and review official OPM and TSP guidance before making retirement elections. 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 or 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. ━━━━━━━━━━━━━━━ SEO KEYWORDS ━━━━━━━━━━━━━━━ Federal Employee Roth Strategy, Roth TSP, Traditional TSP, Roth TSP vs Traditional TSP, TSP Roth Conversion, Roth in-plan conversion, federal retirement planning, federal employee retirement, FERS retirement, TSP withdrawal strategy, retirement tax planning, federal employee tax strategy, TSP retirement income, federal retirement case study, CD Financial, retirement income planning #RothTSP #FederalRetirement #FederalEmployees #RetirementPlanning #CDFinancial Support the show

    22 min

  2. 4d ago

    Age 60 + Federal Pension + $1M Saved: The 5 Decisions Most People Get Wrong

    Federal retirement planning at 60: if you're a year or two from retiring from federal service with a FERS pension, Social Security, and about $1M saved in your TSP, here are 5 decisions to make before you retire — so you stop asking "Am I okay?" and start building the retirement you actually want. This covers income order, TSP taxes and RMDs, Roth conversions, FEHB and Medicare timing, and IRMAA — gaps many federal employees miss before retiring. Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello= THE 5 DECISIONS Your numbers look fine — but you still don't feel okay. That's the gap we're closing. 1) Income order — You've got three engines: your FERS pension, Social Security, and TSP. The pension turns on the day you retire. Social Security has a filing window from 62 to 70 — thousands of dollars a month for life. TSP is the lever you control. The real question: which do you draw from first, and which do you let grow? 2) Taxes & RMDs — Required minimum distributions start between age 73 and 75 (depending on your birth year) from your Traditional TSP, IRA, and 401(k). They land on top of your pension and Social Security, which can push you into a higher bracket in retirement. The years before then are your Roth conversion / sequencing window. And IRMAA is a real Medicare surcharge that hits about two years later. 3) Healthcare — FEHB is gold and stays with you in retirement. Medicare enters at 65: do you take Part B, skip it, or coordinate with FEHB? Miss the enrollment window and there's a late-enrollment penalty. Decide before the deadline, not after. 4) Investments — You're shifting from accumulation to distribution. The portfolio that got you here often isn't the one that should carry you through retirement. Rethink risk and your TSP fund mix so a bad market doesn't force you to sell at the wrong time. 5) Purpose — Plan what you're retiring TO, not just what you're retiring from. We've seen federal employees retire with $1M and go back to work in six months — no Monday-morning plan. Money is half the equation; structure, identity, and what's on your calendar are the other half. WHAT TO DO THIS MONTH: Lock your exact retirement date. Run three tax pictures (year one, when Social Security starts, when TSP/IRA withdrawals begin — and how much to withhold). Map your income order. Make the FEHB + Medicare call early. Write down your first 90 days on a calendar, not a spreadsheet. Do it intentionally, not perfectly. CHAPTERS 0:00 Age 60, a Federal Pension, and $1M Saved — What Comes Next? 0:27 Your Numbers Look Fine but Still Feel Unclear 0:38 Decision 1 — Your Federal Retirement Income Order (Pension, SS, TSP) 1:46 Decision 2 — TSP Taxes, RMDs, Roth Conversions & IRMAA 2:46 Decision 3 — FEHB, Medicare Part B & Healthcare Timing 3:34 Decision 4 — Shifting From Accumulation to Distribution 5:38 Decision 5 — Planning What You're Retiring To 6:19 What to Do This Month Before You Retire 6:42 Apply for a Federal Retirement Consultation MORE RESOURCES Federal Retirement Guidebook: https://cdfinancial.org/being-a-federal-employee-book/ Take the Checklist Challenge: https://cdfinancial.org/checklist-challenge/ Weekly Federal Retirement Planning Newsletter: https://cdfinancial.com/newsletter OPM Retirement Center: https://www.opm.gov/retirement-center/ OPM FERS Information: https://www.opm.gov/retirement-center/fers-information/ Social Security Full Retirement Age: https://www.ssa.gov/retirement/full-retirement-age Medicare Late Enrollment Penalties: https://www.medicare.gov/basics/costs/medicare-costs/avoid-penalties WHO WE ARE CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, Medicare, survivor benefits, and retirement income planning. Our mission: help federal employees retire with more clarity, confidence, and peace of mind. Subscribe for practical federal retirement planning content designed to help you understand your benefits, avoid common planning gaps, and prepare for your next chapter. DISCLAIMER This video is for educational purposes only and is not financial, legal, tax, healthcare, or investment advice. Federal retirement decisions depend on your individual service history, agency records, health coverage, survivor needs, income goals, and personal circumstances. Always consult qualified professionals and review official OPM guidance before making retirement elections. Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Adviser in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company. Opinions expressed are solely those of CD Financial. Information herein is derived from sources believed to be reliable but is not guaranteed as to accuracy or completeness. #FederalRetirement #FERSRetirement #FederalEmployees #RetirementPlanning Support the show

    7 min
  3. Age 60 + Federal Pension + $1M — Now What?

    Jun 11

    Age 60 + Federal Pension + $1M — Now What?

    Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20 Get the Digital Federal Retirement Guidebook: https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/ Take the Checklist Challenge: https://cdfinancial.org/checklist-challenge/ Subscribe for Weekly Federal Retirement Planning Content: https://cdfinancial.com/newsletter You're 60, you have a federal pension and $1M saved — so why doesn't it feel like enough? The answer is 5 unmade decisions, not more dollars. If you are within a year or two of leaving federal service with a FERS pension and a healthy TSP balance, this is the time to stop asking "Am I okay?" and start asking "Have I decided?" In this video, Charles and Marcus break down the 5 Decisions Framework federal employees should work through before finalizing retirement: income order, taxes and RMDs, healthcare, investments, and purpose. Whether you are trying to decide when to file for Social Security, how to manage the tax window before RMDs begin at 73, or how FEHB and Medicare Part B fit together, this episode walks through the planning areas many federal employees overlook — including the two decisions that have nothing to do with a spreadsheet. ━━━━━━━━━━━━━━━ FEDERAL RETIREMENT RESOURCES ━━━━━━━━━━━━━━━ OPM Retirement Center: https://www.opm.gov/retirement-center/ Social Security Delayed Retirement Credits: https://www.ssa.gov/benefits/retirement/planner/delayret.html ━━━━━━━━━━━━━━━ TIMESTAMPS ━━━━━━━━━━━━━━━ 0:00 Age 60 With a Federal Pension and $1M — Am I Okay? 2:00 Why "Am I Okay?" Is the Wrong Question 3:00 Decision 1: Income Order — Pension, Social Security, or TSP First? 5:30 Decision 2: Taxes & RMDs — The Age 73 Cliff and Your Tax Window 7:30 Decision 3: Healthcare — FEHB + Medicare Part B 9:30 The Two Decisions That Aren't About Money 10:00 Decision 4: Investments — From Accumulation to Distribution 12:00 Decision 5: Purpose — The Tuesday at 10 AM Test 14:00 What to Do This Month If Retirement Is Approaching 16:30 "Have I Decided?" — The Real Question 18:30 How to Get Answers for Your Specific Situation ━━━━━━━━━━━━━━━ WHO WE ARE ━━━━━━━━━━━━━━━ CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, Medicare, survivor benefits, retirement income planning, and health-focused financial strategies. Our mission is simple: Help federal employees retire with more clarity, confidence, and peace of mind. Subscribe for practical federal retirement planning content designed to help you better understand your benefits, avoid common planning gaps, and prepare for your next chapter with confidence. ━━━━━━━━━━━━━━━ IMPORTANT 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. This video is for educational purposes only and should not be considered financial, legal, tax, healthcare, or investment advice. Federal retirement decisions depend on your individual service history, agency records, health coverage, survivor needs, retirement income goals, and personal circumstances. Always consult qualified professionals and review official OPM guidance before making retirement elections. 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 or 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. retire at 60 federal employee, federal pension and TSP retirement, FERS retirement at 60, can I retire with 1 million and a pension, TSP withdrawal strategy, when to take Social Security federal employee, RMD age 73, Roth conversion before RMDs, FEHB and Medicare Part B, IRMAA surcharge, sequence of returns risk, retirement income order, federal retirement planning #federalretirement #FERS #retirement #TSP #federalemployees #retirementsavings #governmentemployee #RetireAt60 #FederalPension #CDFinancial Support the show

    23 min

  4. Jun 10

    Are You Making This $80,000 TSP Mistake? - ROTH

    Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20 Get the Digital Federal Retirement Guidebook: https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/ Take the Checklist Challenge: https://cdfinancial.org/checklist-challenge/ Subscribe for Weekly Federal Retirement Planning Content: https://cdfinancial.com/newsletter Comment Below: Are You Waiting Too Long to Plan Your Roth TSP Strategy? If you are a federal employee in the final stretch before retirement, your Roth TSP conversion strategy could affect far more than just this year’s taxes. In this video, we walk through how traditional TSP balances, FERS pension income, Social Security, RMDs, and Medicare IRMAA can all stack together later in retirement. Many federal employees assume they will automatically be in a lower tax bracket after they retire. But for FERS retirees with a pension, Social Security, and a large traditional TSP balance, that assumption may create planning gaps that do not show up until years later. Whether you are trying to reduce future required minimum distributions, create more tax flexibility, or avoid common mistakes around Roth conversions, this episode shows why the timing of your TSP tax strategy matters. ━━━━━━━━━━━━━━━ IN THIS VIDEO YOU CAN LEARN ━━━━━━━━━━━━━━━ Why Roth TSP conversions may matter before federal retirement How a traditional TSP balance can create future RMD pressure Why FERS pension income and Social Security can affect your tax bracket How larger RMDs may increase Medicare IRMAA risk Why “I’ll be in a lower tax bracket later” may not always apply to federal employees How a $50,000 per year Roth conversion example may change long-term tax outcomes Why having outside money to pay the tax bill is important before converting How Roth planning can give retirees more control over future income ━━━━━━━━━━━━━━━ FEDERAL RETIREMENT RESOURCES ━━━━━━━━━━━━━━━ TSP Roth In-Plan Conversions: https://www.tsp.gov/investing-strategies/roth-in-plan-conversions/ IRS Required Minimum Distributions: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds SSA IRMAA Sliding Scale Tables: https://secure.ssa.gov/poms.nsf/lnx/0601101020 OPM Retirement Center: https://www.opm.gov/retirement-center/ ━━━━━━━━━━━━━━━ TIMESTAMPS ━━━━━━━━━━━━━━━ 0:00 The $80,000 TSP Roth Mistake Federal Employees Should Understand 0:24 Roth Conversions With a Pension While Still Working 0:53 The “Lower Tax Bracket in Retirement” Assumption 1:30 Linda and Susie: Same Federal Retirement, Different TSP Strategy 2:19 Traditional TSP vs. Roth Conversion Planning 3:12 How RMDs Can Push Taxes and Medicare Costs Higher 3:54 Why Roth TSP Money Can Create More Retirement Flexibility 4:32 The Tax Delta: How One Decision May Create an $80,000 Difference 5:14 Why Today’s Tax Brackets Matter for Federal Retirement Planning 5:42 When Roth Conversions May Not Make Sense 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

    6 min
  5. Retire This Year: The 4-Lane Roadmap

    Jun 4

    Retire This Year: The 4-Lane Roadmap

    Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20 Get the Digital Federal Retirement Guidebook: https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/ Take the Checklist Challenge: https://cdfinancial.org/checklist-challenge/ Subscribe for Weekly Federal Retirement Planning Content: https://cdfinancial.com/newsletter Retiring This Year? Federal Employees Need More Than a TSP Plan If you are planning to retire this year as a federal employee, your retirement decision may involve more than your TSP balance. Your FERS pension, TSP income strategy, Social Security timing, and FEHB health coverage all work together, and getting the order wrong can create costly planning gaps. In this video, we break down the 4-lane federal retirement roadmap for employees in their final year before retirement. You will learn why generic retirement advice often fails federal employees, what to verify before signing retirement paperwork, and why health insurance, survivor benefits, and Social Security should not be treated as separate decisions. Whether you are trying to choose your retirement date, protect your spouse, create reliable TSP income, or avoid common FEHB and Medicare mistakes, this episode walks through the planning areas many federal employees overlook. IN THIS VIDEO YOU CAN LEARN Why federal retirement planning is different from private-sector retirement advice How your FERS pension, TSP, Social Security, and FEHB all connect Why your retirement date can affect your pension, annual leave payout, unused sick leave credit, and potential FERS supplement How to verify your service computation date and creditable federal service Why military buyback can matter before you retire And more ━━━━━━━━━━━━━━━ FEDERAL RETIREMENT RESOURCES ━━━━━━━━━━━━━━━ OPM Retirement Center: https://www.opm.gov/retirement-center/ OPM FEHB Program: https://www.opm.gov/healthcare-insurance/healthcare/ Thrift Savings Plan: https://www.tsp.gov/ Social Security Retirement Planner: https://www.ssa.gov/retirement TIMESTAMPS 00:00 Retiring This Year as a Federal Employee 01:06 Why Generic Retirement Advice Fails Federal Employees 02:27 The 4-Lane Federal Retirement Roadmap 04:54 Common Federal Retirement Roadblocks 07:55 TSP Income Planning and Long-Term Strategy 08:26 Survivor Benefits, Spouse Conversations, and Health Coverage 10:00 Social Security Timing Mistakes for Federal Employees 11:26 Retirement Date, Sick Leave, and Annual Leave Planning 13:42 FEHB, Medicare Part B, and Survivor Benefit Coordination 16:58 First Steps to Take If You Are One Year From Retirement 19:03 Why Sequencing Your Retirement Decisions Matters 21:45 Final Checklist and Next Step WHO WE ARE CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, Medicare, survivor benefits, retirement income planning, and health-focused financial strategies. Our mission is simple: Help federal employees retire with more clarity, confidence, and peace of mind. Subscribe for practical federal retirement planning content designed to help you better understand your benefits, avoid common planning gaps, and prepare for your next chapter with confidence. IMPORTANT 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. This video is for educational purposes only and should not be considered financial, legal, tax, healthcare, or investment advice. Federal retirement decisions depend on your individual service history, agency records, health coverage, survivor needs, retirement income goals, and personal circumstances. Always consult qualified professionals and review official OPM guidance before making retirement elections. 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 or 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. Federal retirement planning, FERS retirement, retire this year, federal employee retirement, TSP retirement income, FEHB in retirement, Social Security timing, FERS pension, high-3 average salary, service computation date, military buyback, survivor benefit, Medicare Part B, federal retirement checklist, OPM retirement, federal employee benefits, retirement income planning Support the show

    22 min

  6. Jun 2

    The G Fund Trap: Why Many Federal Employees Get It Wrong

    Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20 Get the Digital Federal Retirement Guidebook: https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/ Take the Checklist Challenge: https://cdfinancial.org/checklist-challenge/ Subscribe for Weekly Federal Retirement Planning Content: https://cdfinancial.com/newsletter Comment Below: The G Fund Feels Safe, But Is It Really Protecting Your Retirement? If you are a federal employee or retiree using the TSP G Fund because the market feels uncertain, this may be one of the most important retirement planning decisions to review before moving your money. In this video, we break down why going 100% into the G Fund may feel safe in the moment, but could create long-term risks around inflation, income planning, and retirement purchasing power. Whether you are trying to protect your TSP, create stable retirement income, or avoid making emotional investment decisions during a market drop, this episode walks through the planning areas many federal employees overlook when they treat the G Fund as a complete retirement strategy. IN THIS VIDEO YOU CAN LEARN Why the TSP G Fund may protect your balance but not your purchasing power How inflation can quietly affect federal retirees over a 20 to 30-year retirement Why moving 100% into the G Fund after a market drop can lock in losses How fear, headlines, and market volatility can influence TSP decisions Why federal employees should avoid copying a co-worker’s TSP allocation How separating short-term income money from long-term growth money may help retirement planning Why your TSP should have a specific job instead of being treated as one single decision When the G Fund may still have a role as part of a broader retirement income plan ━━━━━━━━━━━━━━━ FEDERAL RETIREMENT RESOURCES ━━━━━━━━━━━━━━━ TSP G Fund Information: https://www.tsp.gov/funds-individual/g-fund/ OPM Retirement Center: https://www.opm.gov/retirement-center/ Thrift Savings Plan Information: https://www.opm.gov/retirement-center/my-annuity-and-benefits/thrift-savings-plan/ TIMESTAMPS 0:00 Why Moving Everything to the G Fund May Be Risky 0:28 The Hidden Cost of Being 100% in the G Fund 0:53 How Inflation Can Reduce Retirement Purchasing Power 1:27 What the TSP G Fund Actually Is 2:22 Why 100% of Anything Can Be a Retirement Planning Problem 2:45 The Fear Behind G Fund Decisions 3:17 Why Retirement Income Money Should Be Separated 3:43 Market Drops, Timing Risk, and Selling Shares in Retirement 4:18 Four Common G Fund Mistakes Federal Employees Make 4:44 Why Forgetting to Redeploy Can Hurt Your TSP Strategy 5:10 Why a Co-Worker’s TSP Allocation Is Not Your Retirement Plan 5:32 Giving Your TSP a Specific Job in Retirement 6:10 Next Video: Market Drops and Staying the Course ━━━━━━━━━━━━━━━ WHO WE ARE ━━━━━━━━━━━━━━━ CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, Medicare, survivor benefits, retirement income planning, and health-focused financial strategies. Our mission is simple: Help federal employees retire with more clarity, confidence, and peace of mind. Subscribe for practical federal retirement planning content designed to help you better understand your benefits, avoid common planning gaps, and prepare for your next chapter with confidence. ━━━━━━━━━━━━━━━ IMPORTANT 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. This video is for educational purposes only and should not be considered financial, legal, tax, healthcare, or investment advice. Federal retirement decisions depend on your individual service history, agency records, health coverage, survivor needs, retirement income goals, and personal circumstances. Always consult qualified professionals and review official OPM guidance before making retirement elections. 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 or 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. TSP G Fund, G Fund TSP, federal employee retirement, federal retirement planning, Thrift Savings Plan, TSP retirement strategy, G Fund inflation risk, TSP allocation, FERS retirement, federal retirees, retirement income planning, market volatility retirement, TSP mistakes, federal employee benefits, CD Financial #TSPGFund #ThriftSavingsPlan #FederalEmployees #RetirementPlanning #CDFinancial Support the show

    6 min
  7. The 7 Biggest FERS Mistakes We See Federal Employees Make

    May 28

    The 7 Biggest FERS Mistakes We See Federal Employees Make

    Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20 Get the Digital Federal Retirement Guidebook: https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/ Take the Checklist Challenge: https://cdfinancial.org/checklist-challenge/ Subscribe for Weekly Federal Retirement Planning Content: https://cdfinancial.com/newsletter Comment Below: Which FERS Mistake Could Cost You the Most Later? If you are a federal employee getting close to retirement, these FERS retirement mistakes can affect your pension, survivor benefits, FEHB coverage, TSP withdrawals, Medicare costs, and long-term retirement income. In this video, we break down seven of the biggest federal retirement planning mistakes we see employees make before leaving federal service. Why FERS survivor benefit elections can affect both pension income and FEHB coverage How the wrong federal retirement date may impact annual leave, taxes, and retirement timing Why FERS COLA rules can create long-term inflation pressure in retirement How pension income, Social Security, TSP withdrawals, and military pension income can stack for taxes What IRMAA is and why Medicare costs may rise after certain income events Why coworker advice may not fit your federal retirement situation How to think through irreversible retirement decisions before signing final election forms Why federal retirement planning should be based on your full financial picture, not one isolated benefit ━━━━━━━━━━━━━━━ FEDERAL RETIREMENT RESOURCES ━━━━━━━━━━━━━━━ OPM Retirement Center: https://www.opm.gov/retirement-center/ OPM Survivor Benefits: https://www.opm.gov/retirement-center/survivor-benefits/ OPM Cost-of-Living Adjustment Information: https://www.opm.gov/frequently-asked-questions/retire-faq/post-retirement/how-is-the-cost-of-living-adjustment-cola-determined/ SSA IRMAA Information: https://secure.ssa.gov/poms.nsf/lnx/0601101020 Medicare 2026 Premiums and Deductibles: https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles ━━━━━━━━━━━━━━━ TIMESTAMPS ━━━━━━━━━━━━━━━ 0:00 The 7 Biggest FERS Mistakes Federal Employees Make 1:09 Why Pension Mistakes Stay Invisible Until Later 2:13 Mistake 1: Survivor Benefit and FEHB Coordination 5:22 Mistake 2: Retiring on the Wrong Date 8:24 Mistake 3: FERS COLA and Inflation Drag 11:51 Mistake 4: Tax Stacking in Federal Retirement 14:35 Mistake 5: IRMAA and Medicare Cost Surprises 20:19 Mistake 6: Believing Retirement Myths Instead of Planning 23:21 Why Coworker Advice Can Lead to the Wrong Retirement Decision 24:17 What May Still Be Fixable After Retirement 24:40 Health Tip: Decision Fatigue and Retirement Forms 26:02 Next Step for Federal Employees Near Retirement ━━━━━━━━━━━━━━━ WHO WE ARE ━━━━━━━━━━━━━━━ CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, Medicare, survivor benefits, retirement income planning, and health-focused financial strategies. Our mission is simple: Help federal employees retire with more clarity, confidence, and peace of mind. Subscribe for practical federal retirement planning content designed to help you better understand your benefits, avoid common planning gaps, and prepare for your next chapter with confidence. IMPORTANT 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. This video is for educational purposes only and should not be considered financial, legal, tax, healthcare, or investment advice. Federal retirement decisions depend on your individual service history, agency records, health coverage, survivor needs, retirement income goals, and personal circumstances. Always consult qualified professionals and review official OPM guidance before making retirement elections. 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 or 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. FERS retirement mistakes, federal retirement planning, FERS survivor benefits, FEHB in retirement, federal employee retirement date, FERS COLA, TSP withdrawals in retirement, IRMAA Medicare, federal pension planning, OPM retirement, federal employee benefits, retirement income planning, federal employees nearing retirement, survivor annuity, federal retirement taxes, CD Financial #FERSRetirement #FederalRetirement #FederalEmployees #RetirementPlanning #CDFinancial Support the show

    27 min

  8. May 26

    Federal Retirement Mistakes: 7 FERS Pension Errors to Avoid Before You Sign

    Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20 Get the Digital Federal Retirement Guidebook: https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/ Take the Checklist Challenge: https://cdfinancial.org/checklist-challenge/ Subscribe for Weekly Federal Retirement Planning Content: https://cdfinancial.com/newsletter If you are within one year of federal retirement, this is one of the most important times to review your FERS pension before making a final decision. In this video, we break down key federal retirement planning considerations around survivor benefits, retirement timing, COLA, taxes, Medicare, FEHB, and TSP income planning. Whether you are trying to protect your spouse, avoid unexpected tax issues, or make more informed decisions around your federal benefits, this episode walks through the planning areas many federal employees overlook before signing retirement paperwork. ━━━━━━━━━━━━━━━ IN THIS VIDEO YOU’LL LEARN ━━━━━━━━━━━━━━━ • Why FERS survivor benefit elections should be reviewed before retirement • How choosing the wrong federal retirement date may affect your planning • Why FERS COLA and long-term inflation should be part of your retirement income strategy • How tax stacking can happen with a FERS pension, Social Security, TSP withdrawals, and other income • Why IRMAA may surprise federal retirees who do not plan around Medicare income rules • How FEHB, Medicare, and spousal coverage decisions can affect your retirement strategy • Why federal employees should avoid relying only on one-size-fits-all retirement advice ━━━━━━━━━━━━━━━ FEDERAL RETIREMENT RESOURCES ━━━━━━━━━━━━━━━ OPM Retirement Center: https://www.opm.gov/retirement-center/ FERS Information: https://www.opm.gov/retirement-center/fers-information/ FEHB & Medicare: https://www.opm.gov/healthcare-insurance/medicare/annuitant/ Survivor Benefits: https://www.opm.gov/retirement-center/survivor-benefits/ Thrift Savings Plan: https://www.tsp.gov/ TSP Withdrawals in Retirement: https://www.tsp.gov/withdrawals-in-retirement/ Medicare IRMAA Information: https://secure.ssa.gov/poms.nsf/lnx/0601101020 ━━━━━━━━━━━━━━━ TIMESTAMPS ━━━━━━━━━━━━━━━ 0:00 FERS Pension Mistakes That Can Affect Retirement Income 0:27 Survivor Benefit Decisions and Spousal Protection 0:55 Choosing the Right Federal Retirement Date 1:26 FERS COLA, Inflation, and Long-Term Income Planning 2:00 Tax Stacking with FERS, Social Security, and TSP Withdrawals 2:25 IRMAA Surprises and Medicare Income Planning 3:43 FEHB, Medicare, and Federal Retiree Health Coverage 4:08 Why Federal Retirement Advice Is Not One-Size-Fits-All 4:36 Building a Retirement Plan Around Your Specific Situation ━━━━━━━━━━━━━━━ WHO WE ARE ━━━━━━━━━━━━━━━ CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, Medicare, survivor benefits, retirement income planning, and health-focused financial strategies. Our mission is simple: Help federal employees retire with more clarity, confidence, and peace of mind. Subscribe for practical federal retirement planning content designed to help you better understand your benefits, avoid common planning gaps, and prepare for your next chapter with confidence. ━━━━━━━━━━━━━━━ IMPORTANT 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. This video is for educational purposes only and should not be considered financial, legal, tax, healthcare, or investment advice. Federal retirement decisions depend on your individual service history, agency records, health coverage, survivor needs, retirement income goals, and personal circumstances. Always consult qualified professionals and review official OPM guidance before making retirement elections. 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 or 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. FERS pension mistakes, federal retirement planning, FERS survivor benefits, FEHB Medicare coordination, TSP withdrawals, IRMAA Medicare surcharge, federal employee retirement, FERS COLA, retirement income planning, federal benefits, retirement date planning, tax planning for federal retirees #FERSPension #FederalRetirement #FederalEmployees #RetirementPlanning #CDFinancial Support the show

    5 min
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The objective of this podcast is to educate and enlighten you about your federal benefits and to guide you in creating a well-formed retirement income plan. Schedule your complimentary 15-minute phone call today! https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

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