Charles Dzama
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
Author
Charles Dzama
Category
Podcast website
Latest episode
Jul 8, 2026
Where to listen?
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Episodes
Pay Less in Retirement Taxes 10.07.2025 21:15
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 "Pay less in retirement taxes—because every dollar you keep is a dollar that can work for your future." 💌 Sign up to my free weekly email newsletter https://...
How Early Can I Submit My Retirement Packet? 08.07.2025 2:15
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 “Submitting your retirement packet early is the smartest way to avoid a delayed first pension check.” 💌 Sign up to my free weekly email newsletter https://cdfinancial...
Planning Retirement. Will My Pension, Social Security, and TSP be Enough? How to Replace My Income? 03.07.2025 27:23
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 "Will your pension, Social Security, and TSP really be enough to maintain your lifestyle in retirement?" 💌 Sign up to my free weekly email newsletter https:/...
Who is Going to Process My Retirement? 03.07.2025 3:20
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 You can retire confidently when you have a plan... but who is processing your paperwork—and why it matters more than ever? 💌 Sign up to my free weekly email newsletter...
How to Care for Your Spouse's Future | FEHB Survivor Benefit 26.06.2025 2:13
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 "The only way your spouse keeps FEHB after you die is by electing the survivor benefit—don’t make this avoidable mistake." 💌 Sign up to my free weekly ema...
What Most Federal Employees Don’t Know About Their Money & Why They Get Bad Advice! 26.06.2025 19:20
“Not all financial advice is created equal — and for federal employees, the wrong advice can cost you thousands.” 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 Why federal employees get bad financial advice – an...
Who is going to Process My Retirement Now? 19.06.2025 27:20
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 "Eventually, your retirement will get processed… unfortunately, ‘eventually’ might be a lot longer than you thought." Chapters 0:00 - Introduction: Will your retirement actually...
Federal Employees PAUSE Before Cancelling This Benefit! - FEGLI Group Life Insurance 17.06.2025 3:46
You don’t need to work longer—you just need a better plan. Book your complimentary consultation to design a strategy aligned with your retirement goals: 👉 https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call 📽️ About This Video If you're a federal employee nearing retirement, don't cancel your FEGLI benefits too soon. In this video, Charles explains the real c...
The Biggest Mistake Feds Make With Retirement Advice! 10.06.2025 4:21
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 Federal employees often receive bad financial advice from well-meaning coworkers, impacting their retirement. Knowing your federal benefits is crucial, especially when it comes to retireme...
Maximizing Admin Leave Benefits - What Does it Look Like? Yes, You Can Pursue Other Things. 04.06.2025 21:47
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 "Administrative leave isn’t just time off—it’s a rare opportunity to prepare your future while still getting paid." Chapters: 0:00 - Introduction to Administrative Leave 2:38 - U...
Administrative Leave Explained 03.06.2025 3:31
Support the show
When to Retire? Should I Stay or Should I Go? 29.05.2025 23:51
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 "Retirement isn't about quitting work. It's about gaining the freedom to choose what matters most." Chapters 0:00 - Introduction 0:30 - When Is the “Right” Time to Reti...
Retire Now or Retire Later? How Can You Find Out What Your Federal Pension Is Worth? 27.05.2025 6:51
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 most important decision you make ..." Chapters 0:00 - Introduction Connect with CD Financial for More Insights: Twitter: /CDFinancial_LLC Instagram: /CDfinancial.llc Facebo...
Rejected for DRP 2.0? Here’s What You Can Do! 22.05.2025 21:25
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 waiting is the hardest part. But knowing your rights and understanding the DRP process can help you move forward with confidence." Chapters 0:00 – Introduction 0:30 – What H...
Why Mindset Is Your Secret Superpower! 15.05.2025 41:17
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 "If you take care of yourself now, you're going to be so much happier later. You only get one body—treat it like it matters." Chapters 0:00 - Introduction, Friends & Th...
Age Discrimination Act | DRP Timeline for Federal Employees 40 Years or Older | 45 Days + 7 Days 13.05.2025 3:56
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 “Financial security means knowing your rights, not just your numbers—especially when your future is on the line.” 📍Chapters 0:00 – What is the Older Workers Benefit Protection Act (OWBPA)...
IRS Weekly Layoffs - How Many People Have Taken the DRP? | How To Keep Going When Life Gets Tough 08.05.2025 34:52
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 “Financial security isn’t just about when you retire—it’s about making sure your retirement lasts.” Chapters 0:00 – Podcast Introduction 0:30 – Pushing Through Tough Times 2:15 – Planning...
Major Federal Retirement Benefit Cuts Coming? What You Can Do to Be Prepared 06.05.2025 6:43
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 "Financial security, ensuring we have enough savings and income to support ourselves throughout retirement." Chapters 0:00 – 3 Big Proposed Changes to Federal Retirement 1:20 –...
Recession Incoming? Food, Talent, & The US Economy. Prepare your mind, your money, plan your future. 06.05.2025 28:01
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/complimentary-15-minute-phone-call-youtube "The most important decision you make ..." Chapters 0:00 - Podcast Introduction - Island Inspiration and Oceanside Seminar Reflections 1:05 - Food, Culture, and Street Market Ad...
VERA, VSIP, RIF, DSR | Is Your Retirement Plan Clear? 29.04.2025 3:26
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 Chapters 0:00 - What VERA, VSIP, RIF, and DSR Mean for You - Early Pension: The Hidden Danger 1:10 - Why Inflation Is Your Silent Threat - How a Static Pension Shrinks Over Time 1:45 - Sol...
Retiring from the Government Too Soon? Inflation Could Ruin Your Plans 28.04.2025 27:44
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 "Inflation doesn't just raise prices—it shrinks your lifestyle. Your plan is your protection." Chapters 0:00 - Podcast Introduction 0:50 - What Does "Sharing the Stoke&...
How to Access TSP before 59 ½ - No Penalty? 28.04.2025 20:18
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 Chapters 0:00 - Podcast Introduction 0:30 - Best Burger Joints Idea 2:15 - Retiring Early: Can You Access TSP or 401k? 3:13 - 59½ Rule Explained for Early Access 6:45 - 55 Rule: The Key to...
Understanding Basic FEGLI Group Life Insurance Benefits For Federal Employees 24.04.2025 2:42
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 "Financial security, ensuring we have enough savings and income to support ourselves throughout retirement." Chapters 0:00 – What is Basic FEGLI Group Life Insurance? 0:25 – The...
IRS Weekly RIFs Layoffs - How to Prepare Yourself for a Challenging Work Environment 15.04.2025 5:56
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 "Financial security means knowing your benefits, your rights, and your options — even when the future is uncertain." Chapters 0:00 - Weekly RIFs and Mental Toll at the IRS 0:45...
Second Chance at Early Retirement? What VERA Round 2 Really Means for DoD Employees 15.04.2025 27:57
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 most important decision you make ..." Chapters 0:00 - Introduction Connect with CD Financial for More Insights: Twitter: /CDFinancial_LLC Instagram: /CDfinancial.llc Facebo...
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