.png)
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
Federal Employees Retirement & Benefits Podcast by CD Financial
The Retirement Income Gap Most People Don’t Talk About (And How to Close It)
Most people never talk about the retirement income gap — the difference between what you think you’ll need and what you actually have saved, and that’s exactly why most retirements fall short.
Using disciplined retirement strategies like dollar cost averaging and optimizing employer matches can dramatically improve your long-term success.
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 — What We Wish We’d Learned About Money Earlier
1:35 Why Most Families Never Talk About Long-Term Money Planning
3:48 How Starting Young Changes Retirement Outcomes
9:19 Dollar Cost Averaging Explained (TSP, 401(k), IRA)
11:06 Common Mistakes: Being “Too Conservative” When Young
12:38 Employer Match Is Free Money Many Miss
13:57 Emotional Investing vs Disciplined Investing
15:20 Why Regular Contributions Beat Market Timing
17:36 The Risk of Following “Hot Stock” Tips
19:48 It’s Never Too Late to Start Retirement Planning
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.