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 Taxes Now Might Benefit You Later
1:34 – Evaluating Your Retirement Goals
1:49 – Action Steps to Map Your Future Income

Connect with CD Financial for More Insights:

Twitter: /CDFinancial_LLC
Instagram: /CDfinancial.llc
Facebook: /CDFinancialLLC
LinkedIn: /cd-financial-llc Visit our Website: https://cdfinancial.org/
Subscribe and Stay Updated: Don’t miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.

Get More from CD Financial: Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

#RetirementPlanning #401K #FinancialAdvice #InvestmentStrategy #podcast #FedsMaking145KYr #CDFinancial

Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

Support the show

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
9:11 – Ep 12 Federal Employee Retirement System (FERS) Phased
9:57 – Ep 13 Dying While Employed VS Dying in Retirement Beneficiary Benefits
11:49 – Ep 16 Geoarbitrage & Relocating for Retirement
20:17 – Ep 17 Crafting a Written Retirement Plan
24:36 – Ep 18 Beneficiaries for Single Federal Employees
26:35 – Ep 19 Tax Planning
28:40 – Ep 20 Interest Rates Increase Affects
31:03 – Ep 21 How much Do You cost?
33:58 – Ep 22 Fiscal Policy Post-Elections
37:28 – Ep 23 TSP I-Fund
40:24 – Ep 24 Medicare Cost & Coverage
42:50 – Ep 25 Feds Medicare Pros & Cons
44:00 – Ep 26 Buy Back Military Time
46:56 – Ep 27 Survivor Benefits
49:39 – Ep 28 Inherited IRAs Limitations
52:02 – Ep 29 What Are RMD's?
53:29 – Ep 30 TSP & 401k in a Changing Economy
55:50 – Ep 31 DOGE Musk and Ramaswamy FEDS Don't Stress
57:42 – Ep 32 Final Thoughts & Looking Ahead

Support the show

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 Insights:
Twitter: /CDFinancial_LLC
Instagram: /CDfinancial.llc
Facebook: /CDFinancialLLC
LinkedIn: /cd-financial-llc Visit our Website: https://cdfinancial.org/
Subscribe and Stay Updated: Don’t miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.

Get More from CD Financial: Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

#RetirementPlanning #OpenSeason2024 #FEHB #FederalEmployees #HealthInsurance #Podcast #FinancialWellness #CDFinancial #HealthMeetsWealth #InsuranceComparison

Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

Support the show

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://cdfinancial.org/
Subscribe and Stay Updated: Don’t miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.

Get More from CD Financial: Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

Videos Source: https://youtu.be/7qZl_5xHoBw?si=N51rAraDeHKjPd13
https://youtu.be/KAKGW2SxSxM?si=tNdYiTTBIySqUrEQ&t=1674

#RetirementPlanning #OpenSeason2024 #FEHB #FederalEmployees #HealthInsurance #Podcast #FinancialWellness #CDFinancial #HealthMeetsWealth #InsuranceComparison

Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

Support the show

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 - Key Birth Year RMD Thresholds
2:00 - Avoiding IRS Control Over Your Money
2:35 - Roth IRA Benefits for Heirs
3:21 - Building a Tax-Smart Retirement Plan

Connect with CD Financial for More Insights:

Twitter: /CDFinancial_LLC
Instagram: /CDfinancial.llc
Facebook: /CDFinancialLLC
LinkedIn: /cd-financial-llc Visit our Website: https://cdfinancial.org/
Subscribe and Stay Updated: Don’t miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.

Get More from CD Financial: Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

#RetirementPlanning #rmds #FederalEmployees #FinancialWellness #CDFinancial #HealthMeetsWealth

Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

Support the show

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 - Importance of Maximizing TSP Contributions
6:25 - 2025 Updates: Contribution Limits Explained - Catch-Up Contributions for Age 50+
11:32 - The Power of Life Cycle Funds
12:56 - Optimizing Retirement Strategies at 59½
16:23 - Special Catch-Up Rules for Ages 60–63
22:00 - What happens if you never do Catch-Up?
25:08 - What happens if you DO Catch-Up?
29:45 - Health Tip: The Nutritional Power of Eggs
39:50 - Recap and Closing Thoughts

Connect with CD Financial for More Insights:

Twitter: /CDFinancial_LLC
Instagram: /CDfinancial.llc
Facebook: /CDFinancialLLC
LinkedIn: /cd-financial-llc Visit our Website: https://cdfinancial.org/
Subscribe and Stay Updated: Don’t miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.

Get More from CD Financial: Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

#RetirementPlanning #TSP #FinancialAdvice #Roth401k #MaxFunding #CatchUpContributions #InvestmentStrategy #TaxFreeGrowth #Podcast #CDFinancial

Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

Support the show

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 - What Is an Inherited IRA?
0:40 - The 10-Year Rule for Non-Spousal Inherited IRAs - Real-Life Example: Remodeling with IRA Funds
3:15 - Tax Implications of Withdrawals - State Tax Considerations: Examples from AZ, TX, CA
4:47 - Spousal Inheritance Options Explained - Younger Spouse Advantage: Birth Schedule Strategy

Connect with CD Financial for More Insights:

Twitter: /CDFinancial_LLC
Instagram: /CDfinancial.llc
Facebook: /CDFinancialLLC
LinkedIn: /cd-financial-llc Visit our Website: https://cdfinancial.org/
Subscribe and Stay Updated: Don’t miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.

Get More from CD Financial: Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

#RetirementPlanning #OpenSeason2024 #FEHB #FederalEmployees #HealthInsurance #Podcast #FinancialWellness #CDFinancial #HealthMeetsWealth #InsuranceComparison

Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

Support the show

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 Requirements for RMDs
7:21 - Why Planning RMDs Early Matters
9:03 - The Importance of Tax Planning
11:11 - Avoiding RMD Penalties
12:43 - Strategies to Reduce or Eliminate RMDs
16:27 - Using QCDs to Satisfy RMDs
23:20 - Health Tip: Stay in Motion
25:42 - Recap: Be Proactive

Connect with CD Financial for More Insights:

Twitter: /CDFinancial_LLC
Instagram: /CDfinancial.llc
Facebook: /CDFinancialLLC
LinkedIn: /cd-financial-llc Visit our Website: https://cdfinancial.org/
Subscribe and Stay Updated: Don’t miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.

Get More from CD Financial: Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

#RetirementPlanning #OpenSeason2024 #FEHB #FederalEmployees #HealthInsurance #Podcast #FinancialWellness #CDFinancial #HealthMeetsWealth #InsuranceComparison

Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

Support the show