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
Mandatory Roth TSP Contributions for Incomes Over 145k in 2025 14.01.2025 2:19
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 ensuring we have enough savings and income to support ourselves throughout retirement.” Chapters 0:00 – The New TSP Catch-Up Rule Explained 0:28 – Why Paying Taxe...
What 2024 Taught Us About The Future 09.01.2025 58:17
Chapters 0:00 – Reflecting on 2024 Achievements 0:42 – Ep 1 Building a Stable Financial Foundation 1:22 – Ep 2 Quality in ingredients 1:41 – Ep 5 How long do you have to be married to someone Benefits 2:10 – Ep 8 Understanding the Power of a Roth IRA 2:35 – Ep 9 Not Having Enough in Retirement 4:25 – Ep 10 Strategic Debt Management in Retirement 7:39 – Ep 11 Asset Allocation & Diversification...
Federal Employees Face Mandatory Return to Office in 2025 31.12.2024 2:15
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 "Now’s the time to realize that a proper plan allows you to retire confidently while maintaining—or even increasing—your standard of living." Connect with CD Financial for More I...
DOGE Elon Musk and Ramaswamy: FEDS Don't Stress 30.12.2024 37:27
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 Connect with CD Financial for More Insights: Twitter: /CDFinancial_LLC Instagram: /CDfinancial.llc Facebook: /CDFinancialLLC LinkedIn: /cd-financial-llc Visit our Website: https://cdfinanc...
What are RMDs? Why RMDs? and How to Tax Plan RMDs 24.12.2024 4:53
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 don’t make a plan for your money, someone else will – and it’s usually Uncle Sam." Chapters 0:00 - Introduction 0:30 - What Are RMDs? 1:15 - Why RMDs Are Mandatory 1:29 -...
TSP 401k Max Funding In Depth Look at 2025 Updates 19.12.2024 40:50
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 just about saving; it's about maximizing the resources you already have." Chapters 0:00 - Podcast Introduction 1:05 - Mr Rogers Culture 3:25 - Im...
I Inherited an IRA, Now What? Tax and Financial Planning 18.12.2024 6:54
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 "Financial security is ensuring you have a clear plan to handle life's transitions, including inherited IRAs and their tax implications." Chapters 0:00 -...
RMDs Required Minimum Distributions – What? Why? How? 12.12.2024 26:33
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 "Plan for your future now because time waits for no one." Chapters 0:00 - On today's episode 0:30 - What Are RMDs? 4:41 - Who and How Are RMDs Calculated? 6:00 - Age Require...
Maximizing Your TSP Contributions: What’s New for 2025 10.12.2024 5:15
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 "Maximizing your retirement savings isn't just about contributing more—it's about contributing smarter." Chapters 0:00 Who We Serve: Federal Empl...
Inherited IRAs: Use Them Wisely - What Spouses Need to Know 05.12.2024 31:38
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 is not precisely about inheritance; it’s about using what you receive to build a brighter future." Chapters 0:01 - Introduction to Inherited IRAs 0:45 - Diffe...
The TSP I Fund: An Evolution Worth Noting | 2025 Update 03.12.2024 5:05
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 I Fund's evolution is a testament to adapting and optimizing for growth—ensuring federal employees have the tools to secure their financial future." Chapters 0:00 - In...
FERS Federal Survivor Benefit Elections – What You Need to Know! 28.11.2024 2:15
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 freedom starts with a plan that protects what matters most—your loved ones and your future." Topics to consider as you ponder this decision: • Survivor Benefit choice...
Purchases Retirees Regret: How to Avoid Costly Mistakes in Retirement 26.11.2024 2:15
You don’t need to work longer; you just need a better plan. Schedule a consultation to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call "Retirement is uncertain, but a written plan brings clarity and comfort to every decision." Chapters 0:00 - Introduction 0:30 - How Written Plans Impact Retirement Confidenc...
Why Buying Back Military Time can be a GAME CHANGER 21.11.2024 31:27
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 "Buying back military time is more than a financial decision—it’s a strategy to maximize your retirement and claim the rewards for your years of service." Chapters 0:00 - Podcast...
13.5% Premium Hike! What Every Federal Employee Needs to Know This Open Season 19.11.2024 31:32
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 during Open Season can define your peace of mind for the entire year." Chapters 0:00 - Introduction to Open Season 2024 1:06 - Why This Ye...
Does the idea of retiring scare you? You are not alone. 19.11.2024 3:37
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 0:00 - Intro 0:10 - Why Retirement Feels Scary 1:11 - What is a Written Retirement Income Plan? - The Wisdom of Planning: Lessons from Whales 2:20 - How to Ensure Your Money Outlasts Your...
Medicare for Federal Employees & Why it Matters! - With Guest Ann Vanderslice 14.11.2024 27:01
You don’t need to work longer; you just need a better plan. Schedule a consultation to craft a financial strategy that meets your unique retirement goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call "A peaceful retirement starts with preparation. 🌅 Discover how understanding Medicare now can support a future free from financial worry." Chapters 0:00 - Po...
Is Your Federal Pension Just Collecting Dust? How to Make the Most of the Extra Income? 12.11.2024 5:47
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 "Turn unused income into a legacy – investing your extra pension for tomorrow." Chapters: 0:00 - Intro 0:18 - Who Can Benefit from Additional Income Planning? 1:00 - Evaluating...
Can I Use My Annual and Sick Leave to Extend My Career Towards Retirement? 05.11.2024 5:19
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 "Financial security means knowing that each step brings you closer to retiring on your own terms." Chapters 0:00 - Understanding Annual Leave in Federal Care...
TSP I Fund vs. other Lifecycle Funds: What's the Difference? 31.10.2024 24:37
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 "Financial security is not about working longer, it's about having a better plan for your future." Schedule a consultation to tailor a plan that suits yo...
Will the Presidential Election Hurt My TSP 401K? 29.10.2024 4:56
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 "Financial security isn’t about timing the market; it’s about having a plan that can weather all conditions." Chapters 0:00 - How Elections Impact the Market...
Presidential Election Results: What It Means for Your TSP 401K 24.10.2024 35:47
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 "Facing the unknown isn’t about predicting the future—it's about preparing for it with clarity and confidence." Chapters 0:00 - Podcast Introduction 1:0...
Will $1M Be Enough To Retire Now? 23.10.2024 5:01
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 "Retirement isn't about hitting a number; it's about understanding what it costs to live comfortably and having a plan that gets you there." Chapter...
How Much Does Retirement Really Cost? 17.10.2024 27:29
Watch the video here: https://youtu.be/H7hxYj7phW0 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 "Understanding your costs is the first step in controlling your financial future." Chapters: 0:00 - Podcas...
What Happens When You Retire at 57 Instead of 62? Best Age to Retire 15.10.2024 4:58
Watch the video version here: https://youtu.be/jSKGQeQUlkU You don't have to work longer, you just need a better plan. Let's find your path to financial security and peace of mind. https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call Chapters 0:00 - Understanding the Minimum Retirement Age (MRA) 0:17 - Retirement Options for Federal Employees at 57 1:17 - How the F...
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