Federal Employees Retirement & Benefits Podcast by CD Financial

Which acronym tripped you up the longest — FERS, FEGLI, SRS, or MRA? Drop it below 👇 START HERE ━━━━━━━━━━━━━━━ Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello= Get the Digital Federal Retirement Guidebook: https://cdfinancial.org/being-a-federal-employee-book/ Take the Checklist Challenge: https://cdfinancial.org/check...

Which term always messes with you — effective tax rate, backdoor Roth, cost basis, or RMDs? Write it below 👇 START HERE ━━━━━━━━━━━━━━━ Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello= Get the Digital Federal Retirement Guidebook: https://cdfinancial.org/being-a-federal-employee-book/ Take the Checklist Challenge: https...

Most federal employees have a number in their head — "I'll retire at 62" — but a number is not a plan. Charles and Marcus break down what an actual written retirement income plan (the Charted Retirement Course) contains: income first, Social Security and COLA timing, the withdrawal decision most people skip, how taxes can become your biggest retirement expense, and the historically...

1. High-3 & step increases — a step increase only lifts your High-3 for the time you're actually in it (stay ~3 years for full credit) 2. TSP allocation — does it match your goals? Start taking risk off the table ~3 years out if you'll need the money for income 3. Buy back your military / pre-1989 temp time — file SF-3108 now; it takes 6–9 months and must be done before you retire 4....

Show-notes summary: We're halfway through 2026 — the moment most federal employees realize they set retirement goals in January and haven't looked since. Charles and Marcus walk through five things to review now, not in December: knowing your High-3 (and how step increases and COLAs really affect it), buying back military time before it's too late, the TSP "super catch-up"...

Which of these terms confused you the most before today — Roth vs. Traditional, RMDs, or capital gains? Tell me below 👇 Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello= Get the Digital Federal Retirement Guidebook: https://cdfinancial.org/being-a-federal-employee-book/ Take the Checklist Challenge: https://cdfinancial.o...

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://cdfinanc...

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 timi...

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://cdfinanc...

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://cdfinanc...

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://cdfinanc...

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://cdfinanc...

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://cdfinanc...

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://cdfinanc...

Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20 📘 Federal Retirement Resources: Get the digital guidebook to retirement as a federal employee here:  https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/ Checklist Challenge:  https://cdfinancial.org/checklist-challenge/ OPM Retirement Center: htt...

Get the digital book at no cost to you here: https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/ Want to work with Charles? Apply here: https://cdfinancial.org/schedule-a-meeting/ Checklist Challenge: https://cdfinancial.org/checklist-challenge/ Newsletter: https://cdfinancial.com/newsletter WHO ARE WE? CD Financial helps federal employees and near-retirees create sustainabl...

“Die with zero does not mean reckless spending. It means thinking intentionally about how to use your money for experiences, family, giving, and purpose while still protecting your retirement plan.” Get the digital book at no cost to you here: https://cdfinancial.org/being-a-federal-employee-book/ Checklist Challenge: https://cdfinancial.org/checklist-challenge/ Apply for a 15-minute call: https:/...

Federal employees may hear “COLA increase” and assume their retirement income keeps full pace with inflation, but under FERS, the cost-of-living adjustment can work differently than many expect. Before you retire, it is important to understand how FERS COLA, CSRS COLA, Social Security COLA, and your overall federal retirement income may interact over time. Apply for a federal benefits retirement r...

Most federal employees are told to roll over their TSP when they retire, but that decision should start with a better question: What is this money supposed to do for you in retirement? In this episode, we break down common TSP rollover mistakes, IRA rollover considerations, tax treatment, withdrawal rules, and how a written retirement income plan can help federal employees make more informed decis...

TSP vs 401(k) rollover strategy isn’t about where the money goes—it’s about what the money is meant to do.” Discover how to decide whether to keep or move your retirement accounts with a clear, purpose-driven plan. Get the digital book at no cost to you here: https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/ Checklist Challenge: https://cdfinancial.org/checklist-challenge/...

Get the digital book at no cost to you here: https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/ Market corrections reveal whether you have investments or whether you have a retirement plan. If you are deciding whether to keep funding your TSP or 401(k), move toward the G Fund, or stay disciplined during market volatility, this conversation is for you. In this video, we disc...

Is a tax-free retirement actually possible for federal retirees with a pension—or is it one of the most misunderstood ideas in retirement planning?” This video breaks down how federal retirees can realistically reduce taxes in retirement by understanding how pensions, Social Security, and TSP withdrawals interact. Apply for your Retirement Strategy Call: https://calendly.com/charlesdzama/complimen...

Want to see how this applies to your Retirement Income? Join our April 29th retirement webinar: https://event.webinarjam.com/rygmv/register/gwy3num3 “Your pension isn’t the problem—it’s how your income stacks in retirement that can increase your tax exposure.” Get the digital book at no cost to you here: https://cdfinancial.org/being-a-federal-employee-book/ Checklist Challenge: https://cdfinancia...

FREE Federal Employee Book (PDF): https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/ The market drops. Don’t flinch. Market corrections reveal whether you have a real retirement plan, especially if you are deciding whether to keep funding your TSP or 401(k), move toward the G Fund, or stay disciplined through market volatility. Most people don’t realize this until the marke...

Roth conversions and IRMAA are deeply connected—one decision today can impact your Medicare premiums two years from now. Checklist Challenge: https://cdfinancial.org/checklist-challenge/ FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube Newsletter: https://cdfinancial.com/newsletter 👋 WHO ARE WE? CD Financial helps federal employees and near-retiree...