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.
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Episodes
224 episodes
Are You Prepared for Long-Term Care Costs? Here's What You Need to Know
In this important discussion, we focus on "long term care awareness", especially relevant during Long-Term Care Awareness Month. We examine the critical aspects of "long term care" and effective "financial planning" strategies that align with a...
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Season 3
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Episode 20
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30:52
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A Minimalist Approach to Long-Term Care: 3 Options Worth Considering
In this important discussion, we focus on "long term care awareness", especially relevant during Long-Term Care Awareness Month. We examine the critical aspects of "long term care" and effective "financial planning" strategies that align with a...
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Season 2
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Episode 96
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5:51
High Earners Might Be Missing This 2026 Catch-Up Opportunity
In this episode of the CD Financial Podcast, Chuck D and Marcus C delve into the implications of the new Secure Act 2.0, particularly focusing on catch-up contributions to retirement accounts. They discuss the differences between Roth and tradi...
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Season 3
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Episode 79
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27:54
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If You Earn $145K+, This Affects You
For high income earners, new rules for 2025 mean you might not be able to put your catch-up money into tax-deferred or traditional TSP or 401k for that matter. This video breaks down what this means for your retirement planning and highlights t...
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Season 2
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Episode 95
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6:16
Listen To This If You're A Federal Worker Facing the 2025 Shutdown Aftermath
In this episode, Chuck D and Marcus C discuss the recent government shutdown, its effects on employees and retirees, and the importance of having a financial plan. They explore the challenges faced by those returning to work, the uncertainty fo...
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Season 3
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Episode 78
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26:09
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Shutdown's Over—Are You Ready to Retire Now?
If you’re done working in uncertain shutdown-zones instead of on your own terms, now’s the time to lock in your retirement freedom— the longest federal shutdown in history just highlighted what it means to wait.🔗 LINKS & RESOURCES
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Season 2
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Episode 94
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5:32
Evaluating the Pros and Cons of Leaving TSP as Is
Should you leave your Thrift Savings Plan (TSP) untouched, roll it to an IRA, or turn it into a lifetime income stream? In this episode, we break down the real-world pros and cons of each TSP retirement option so you don’t accidentally trade aw...
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Season 3
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Episode 77
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34:09
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3 Surprising TSP Choices for Retirement!
Unlock the most overlooked Thrift Savings Plan (TSP) strategies for federal retirees! This video covers three powerful—but often missed—TSP retirement options that can increase your financial security. Discover:The unique benefits and r...
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Season 2
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Episode 93
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34:09
Charitable Donations: Tax Strategies & Smart Giving for Retirees and Business Owners
Discover how charitable donations can maximize your tax benefits and support causes you care about. In this video, we unpack:Strategies for effective charitable givingTax deductions for retirees and business ownersDonor-advised ...
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Season 3
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Episode 76
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23:09
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IRMAA Surprise! Are You Paying More for Medicare? How Taxes Affect Your Premiums
Confused about why your Medicare Part B premium is higher? Discover how IRMAA (Income-Related Monthly Adjustment Amount) impacts your Medicare costs and what federal employees and retirees can do about higher premiums. This video covers:
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Season 2
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Episode 92
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4:01
How Do Financial Advisors Really Make Money? Fees Explained
Curious about how financial advisors actually earn their income—especially for federal employees and retirees? This video demystifies how advisors are paid, explains fee structures, and helps you choose the best financial guidance for your reti...
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Season 3
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Episode 75
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24:18
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Pension Check Still Missing? Bridging the Gap When Your First Pension Check Is Delayed
Are you a federal retiree still waiting for your first pension check? You’re not alone—delays at OPM are leaving thousands in financial limbo. In this video, learn bridge strategies to cover expenses, avoid financial hardship, and what steps yo...
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Season 2
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Episode 91
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6:46
Why Would You Use a Financial Advisor? (Federal Employees & Retirees Guide)
Should you work with a financial advisor? Discover when hiring a certified financial planner makes sense for federal employees and retirees—and when DIY investing might be enough.Learn the real value a fiduciary financial advisor brings...
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Season 3
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Episode 74
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27:15
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How To Pay Your Bills During A Government Shutdown
When the government stops, your bills don’t. Learn how to stay financially steady during a federal shutdown and protect your essentials.When federal paychecks pause, preparation becomes protection. Here’s how to manage bills, cash flow,...
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Season 2
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Episode 90
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5:34
IRMAA Explained for Retirees: What Triggers Higher Medicare Costs (and How to Plan)
Medicare Part B premium costs can jump because of IRMAA (Income-Related Monthly Adjustment Amount) when your MAGI crosses key thresholds—especially for federal retirees with pensions, Social Security, and RMDs. Learn how timing, Roth conversion...
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Season 3
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Episode 73
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25:48
Pension Delays Are Real, Not a "What If" Anymore. - What Can You Do?
Your pension check hasn’t arrived yet — and it’s been months?That’s not a rare story anymore. Federal retirement delays are real, and it’s time to prepare for them. OPM processing times have stretched far beyond the traditional six to eight...
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Season 2
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Episode 89
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3:14
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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