Charles Dzama

Federal Employees Retirement & Benefits Podcast by CD Financial

Business EN ↓ 284 episodes

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

Business

Latest episode

Jul 8, 2026

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Episodes

Leaving Too Soon or Just in Time? Round 2 DRP VERA Decisions for DoD Employees 07.04.2025

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 care if you’re retired—make sure your money does.” Chapters 00:00 - DRP & VERA Offer Window: April 7–14 00:33 - Who Qualifies? 00:56 - When You Get the Pension vs. S...

Stock Market Dip: Golden Opportunity or Major Risk? 03.04.2025

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 "It's one thing to have investments—it's a whole other thing to have a written, reliable retirement plan." Chapters 0:00 - Podcast Introduction 0:30 - Teaser: The Myste...

Understanding VERA & DSR - Its Impact On Federal Employees Retirement Plans 02.04.2025

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 0:10 - Take a VERA or Wait? 1:30 What's a DSR? Connect with CD Financial for More Insights: Twitter:...

You got fired, now what? 27.03.2025

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How Does a Discontinued Service Retirement Work for Federal Employees? (DSR) 25.03.2025

TSP FREE GUIDE: https://cdfinancial.org/TSP-free-guide/ You don’t need to work longer; you just need a better plan. Start your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call "You might be laid off, but that doesn’t mean you’re left out—DSR could protect your pension, health benefits, and more." Connect with CD Financial for...

VSIP Offered - Should I Take it? DoD & Other Agencies 21.03.2025

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 "You can’t control the offer, but you can control your plan." If you’ve received a Voluntary Separation Incentive Payment (VSIP) offer—especially within the Department of Defense...

The 5 Year Rule Applied to Your Benefits 20.03.2025

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 "Understanding the 5-year rules in your federal benefits could mean the difference between keeping or losing critical coverage in retirement." Chapters 0:00 - Podcast Introductio...

If You Did NOT Take the DRP Offer 18.03.2025

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 FREE TSP GUIDE: https://cdfinancial.org/TSP-free-guide "A solid retirement plan isn’t about luck—it’s about preparation, strategy, and making the right decisions at the right time.&qu...

Federal Employees Back to Office Order - Implications & Advantages 13.03.2025

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   FREE TSP GUIDE → https://cdfinancial.org/TSP-free-guide/  "Returning to the office isn’t just about a commute—it’s about career growth, connection, and long-term financial security....

How Much Do I Need in My TSP to Retire? 12.03.2025

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 how much you have—it’s about how long it lasts." Chapters 0:00 - Introduction - How Much Do You Need in Your TSP? 0:20 - Breaking Down Your Retirement Inc...

S&P 500 DIYs Should I Invest in the Stock Market 06.03.2025

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 "Consistency beats timing. The market rewards discipline, not impulse." Chapters 0:00 - Podcast Introduction  4:13 - DIY Investing: Smart Move or Risky Gamble? 5:45 - Why Simplic...

Took the DRP - Now What? Your Options Explained 03.03.2025

TSP FREE GUIDE: https://cdfinancial.org/TSP-free-guide/ You don’t need to work longer; you just need a better plan. Start your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call "Retirement isn't about leaving work; it's about stepping into financial freedom with confidence." Chapters 0:00 - Podcast Introduction - Und...

TSP & Retirement Planning: What's New for 2026? 27.02.2025

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 "You soon will have the power to convert your TSP to a Roth without leaving the system—game-changing for federal retirees." 📌 Chapters: 0:00 - Breaking News: Roth Conversions in...

What They Won't Tell You About TSP After Retirement 27.02.2025

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 having a pension—it's about knowing how to use it wisely in retirement."   📌 Chapters  0:00 - Podcast Introduction  4:30 - Should...

Facing a Reduction in Force? Here’s What You Need to Know 25.02.2025

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 can make is planning your retirement with professional help." Chapters  0:00 - Introduction - What Happens Now? 0:13 - Unemployment 0:45 - Mandat...

Deferred Resignation Program DRP - What's Unfolding Now? 24.02.2025

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 "15 minutes could save you a pile of money in taxes." Chapters:  0:00 - What happened to Charles? 3:16 - The era of the Trump Administration  3:38 - What is the Deferred Resignat...

Resignation Accepted – What Retirement Elections Do I Make Now? 24.02.2025

You don’t need to work longer; you just need a better plan. Schedule a 15-min call for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call What to expect now that you accepted the offer? How & can I proceed forward? What retirement elections do I have to make? What happens to my Sick & Annual Leave? Retirement: https://www.op...

VERA - Deferred Resignation Your Options Explained 04.02.2025

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 0:10 - VERA - Deferred Resignation Your Options Explained 2:24 - How to Get Support on This Decision Conn...

Deferred Resignation FAQ, Should I Accept or Decline? 04.02.2025

You don’t need to work longer, you just need a better plan. Schedule a consultation: 🔗 https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call JOIN THE WEBINAR: 🔗 https://event.webinarjam.com/register/224/k6k8va14 "This deferred resignation offer could be your opportunity—or your biggest mistake. The key is knowing which one it is for you." 📌 Chapters 0:00 - Podcas...

Took the DRP… Now What? Your Options Explained 03.02.2025

TSP FREE GUIDE: https://cdfinancial.org/TSP-free-guide/ You don’t need to work longer; you just need a better plan. Start your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call "Retirement isn't about leaving work; it's about stepping into financial freedom with confidence." Chapters 0:00 - Podcast Introduction - Und...

BREAKING NEWS: Fork in The Road - Deferred Resignation 30.01.2025

Fork in the Road: Q&A Webinar for federal employees to consider before accepting a "deferred resignation."  WEBINAR LINK: https://event.webinarjam.com/register/222/qy5p4u34 Schedule a retirement planning visit with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call SOURCES: https://www.whitehouse.gov/presidential-actions/2025/01/return-to-in-person...

Top Advisor Reveals 4% Rule on TSP for Monthly Income of Over $3300 28.01.2025

Get your FREE TSP GUIDE HERE: https://cdfinancial.org/TSP-free-guide/ 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 numbers; it’s about ensuring your retirement savings work for you every step...

Financial Advice for Retired Couples in 2025 23.01.2025

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 "A plan today ensures peace for your loved ones tomorrow." Chapters: 0:00 - Podcast Introduction 1:00 - The Importance of Financial Planning for Couples 4:15 - Why Tax Planning i...

TSP G Fund or Lifecycle When Retiring, Which Should I Use 21.01.2025

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 planning is not about avoiding risk—it's about managing it wisely to secure your future." Chapters 0:00 - Introduction: Should You Use the G Fund or Lifecycle Fu...

Maximizing Your Retirement: Special Provisions for Law Enforcement and ATC Personnel 16.01.2025

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 – Podcast Introduction 2:10 – Federal Law Enforcement R...

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