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

How will Fed Rate Cuts Impact Your Portfolio in 2024? 11.10.2024

Watch the video here https://youtu.be/HdMuil4vU24 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 uncertainty is part of the journey, but a well-crafted plan brings clarity and peace." Chapters 0:00...

Is your TSP/401K Safe from Creditors, Lawsuits, and Divorce? 08.10.2024

Financial security means knowing that your assets are safe, even when life throws unexpected challenges your way. 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 Chapters: 0:00 - Is Your TSP Safe from Lawsuits? 0:15 - Bankruptcy and Your TSP: What You Should Know - Protection...

TAXES OR NOT | What's the REAL COST of Not Having Tax Planning? A Tale of Two Families 07.10.2024

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, ensuring we have enough savings and income to support ourselves throughout retirement." Chapters 0:01 - Podcast Introduction  23:00 - Rec...

A Tale of Two Families Financial Planning Choices 01.10.2024

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, ensuring we have enough savings and income to support ourselves throughout retirement." Connect with CD Financial for More Insights:   Tw...

Beneficiary Updates 2024 | Updating Your Federal Forms (SF 2823, SF 3102, SF 1152) 26.09.2024

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 "Planning your future means more than saving money; it means protecting those you care about the most." Chapters  0:00 - Introduction 0:30 - Why Beneficiary U...

Retiring Early? What Happens To Your FERS Supplement? 24.09.2024

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   "Secure your future, one decision at a time. Your retirement depends on more than savings—it’s about a plan that adapts to your life’s goals."   Chapters: ...

When to Hire a Financial Planner for Retirement? “the guys that got you here may not be the same ones to get you there” 12.09.2024

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 just about having enough; it’s about ensuring that your plan can weather the storms of life." Chapters  0:00 - Podcast Introduction...

TSP Heroes & Enemies 10.09.2024

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 just about having more; it's about planning smarter and ensuring your future is as secure as your present." Chapters  0:00...

Retire 10 Years Early With This One Weird Trick! 05.09.2024

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 the age you quit working; it's about the freedom to do what you love on your own terms."   Chapters   0:01 - Podcast Introdu...

Life Insurance When Terminally Ill 04.09.2024

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 just about savings, but also about understanding and maximizing your benefits, especially in challenging times." Chapters: 0:00 - I...

The Hidden Benefits of Life Insurance: More Than Just a Safety Net 04.09.2024

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 goes beyond just savings; it's about ensuring every dollar supports your loved ones when they need it most." Chapters 0:00 - Podcast...

Unlock the Hidden Retirement Goldmine in Your Backyard! 04.09.2024

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 "Unlocking your home's equity can transform your retirement dreams into reality." Chapters 0:00 - Podcast Introduction 1:30 - What Is the Hidden Retireme...

FERS Phased Retirement | In-Depth 08.08.2024

This podcast was originally a YouTube video, you can watch that video here: https://youtu.be/ckzscAl3yE4 Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call Di...

3 Retirement Income Mistakes to Avoid 01.08.2024

This podcast was originally a YouTube video, you can watch that video here:  https://youtu.be/r_zLvEFwldw 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, ensuring we have enough savings and...

Podcast Ep. 9: Top 10 Near Retirement Concerns (Part 1) 25.07.2024

This podcast was originally a YouTube video, you can watch that video here: https://youtu.be/GR52AFQWYSQ 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, ensuring we have enough savings and i...

FERS Basic Employee Death Benefit BEDB | “Dying While Working — Fed Benefit” 25.07.2024

This podcast was originally a YouTube video, you can watch that video here: https://youtu.be/9mFgp2gE4PM You don't need to work longer, you just need a better plan. Schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk- complimentary-15-min-phone-call LINK TO OPM: https://www.opm.gov/retirement-center/fers-inf...

Podcast Ep.10: Top 10 Near Retirement Concerns (Part 2) 25.07.2024

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 "Point six: Paying off any remaining debt including mortgages, credit cards, or loans." "Point ten: Having a purpose in retirement." "There&apo...

“FERS Phased Retirement: How & Why?“ 50/50 20% Mentoring - ease into retirement | Knowledge Transfer 16.07.2024

This podcast was originally a YouTube video, you can watch that video here: https://youtu.be/foci4Gf0LRY Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals:  https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call C...

Roth Urban Legends & Myths 11.07.2024

This podcast was originally a YouTube video, you can watch that video here:  https://youtu.be/Hj-W1nadim4?si=ic4Diplp-dGpz7Ky Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary...

Why Federal Employees Shouldn’t Rely On a Pension 27.06.2024

This podcast was originally a YouTube video, you can watch that video here:  https://youtu.be/DZNgg-ZoEeI Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call C...

Can I withdraw money from my TSP while still working? 18.06.2024

This podcast was originally a YouTube video, you can watch that video here:  https://youtu.be/6zPPOe6EowA Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals:  https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube...

TSP's Five Funds - The Benefits of Dollar Cost Averaging 13.06.2024

This podcast was originally a YouTube video, you can watch that video here:  https://youtu.be/d8AoQT-SrY0 Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call C...

Early Retirement and Social Security for Federal Employees 11.06.2024

This podcast was originally a YouTube video, you can watch that video here:  https://youtu.be/wwniNzlGsas Are you a federal employee considering early retirement and wondering what will happen to your Social Security benefits? If you're 57 with at least 30 years of service, you might be curious about the impact on your retirement. Here’s a breakdown to help you understand the implications and...

Social Security Spousal & Widow’s Benefit - The benefits of copper water containers 06.06.2024

This podcast was originally a YouTube video, you can watch that video here:  Remember, retirement is a new chapter in your life, and it's up to you to write its story. Follow our Medium Blog and schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call Connect with CD Financial for...

Moderation and Balance in Financial Planning | Detoxifying the Body with Apple Cider Vinegar 28.05.2024

You don’t need to work longer, you just need a better plan. Schedule a consultation with Charles to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call In this episode of the CD Financial Podcast, Marcus and Chuck discuss the importance of having a plan and sticking to it, using baseball as an analogy. They emphasize the...

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