Federal Employees Retirement & Benefits Podcast by CD Financial
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
Episodes
208 episodes
Federal Shutdown 2025 + RIF: What It Means for Your Job, Pay, and TSP
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 ...
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Season 3
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Episode 72
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23:51
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2025 Federal Shutdown: How Furloughs, Layoffs & RIF Impact Federal Staff
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 t...
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Season 2
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4:40
(ORA) Digital Retirement Processing: Is the OPM System Fast Enough?
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 & CS...
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Season 3
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Episode 71
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26:28
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October 2025 Furlough ALERT: Your Paycheck, Benefits & What to Do RIGHT NOW
🚨 Government Shutdown URGENT Update: How will your paycheck, benefits, and retirement be impacted? Millions of federal employees and retirees are searching for answers—CD Financial reveals what most people miss (and how to protect your income r...
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4:40
Government Shutdown October 2025 – What Federal Employees Need to Know
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 update...
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3:55
What Happens When You Hire a Fiduciary Financial Advisor, What Do They Do?
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.🔔 Don’t forget to Subscribe and tap the bell for weekly insights on fina...
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Season 2
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Episode 88
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4:09
How to Decide the Right Age to Retire (Federal Employee Guide)
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.🔗 LINKS & RESOURCESFREE 15-minute call: https://calendly.com...
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Season 3
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Episode 70
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25:37
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Inflation’s Impact on Your 2025 Federal Pension COLA
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 ...
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Season 2
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Episode 87
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4:06
5 Common DIY Retirement Income Mistakes — What to Watch Out For
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, shifti...
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Season 3
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Episode 69
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25:52
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Will You Have Enough Money to Retire?
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 emotio...
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Season 3
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Episode 68
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28:13
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What Happens If Your Federal Retirement Check Is Late?
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 estim...
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Season 2
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Episode 86
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4:42
Recession Proof Your Retirement
“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 plan...
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Season 3
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Episode 66
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21:19
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Are You Keeping Too Much Cash In Hand or In The Bank?
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:
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Season 2
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4:54
Social Security Ferness Act - Why it Matters How do You Benefit
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 Fair...
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Season 3
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Episode 65
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20:22
They Called It Beautiful—The Bill That Changes the Game
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 i...
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Season 3
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Episode 64
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26:34
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Is Your Old Federal Job Calling You Back? Here’s What to Know and Why!
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"Fede...
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Season 2
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Episode 81
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3:26
What Happens If You Return To Your Federal Job?
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“Retu...
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Season 2
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Episode 63
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26:10
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Can You Really Get Your Federal Job Back? Don’t Miss This Secret About Federal Job Rehiring!
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/charl...
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Season 2
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Episode 80
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3:51
How Can Health and Wealth Work Together?
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...
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Season 3
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Episode 62
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25:39
Why Do Millionaires Use This Simple Rule to Asses Risk Tolerance?
“Use the Rule of 100 to assess your risk tolerance and ensure your retirement income remains stable.”💌 Sign up to my free weekly email newsletter: https://cdfinancial.org/media/#newsletter⚙️ MY FREE WEBINARShttps://cdfinanci...
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Season 2
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Episode 77
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5:26
What Happens If You Retire With No Plan?
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 ...
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Season 3
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Episode 60
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21:29
OBB One Big Beautiful Bill Impact | How This New Bill Helps Your Family Save Money!
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 ...
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Season 2
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Episode 79
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4:05
What Happens If You Just Hold Cash?
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 in...
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Season 3
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Episode 59
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24:23
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FEHB in Retirement: What You Need to Know Now! How Does it Change?
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...
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Season 2
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Episode 76
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8:19
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