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.
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Episodes
284 episodes
Federal Retirement Acronyms Explained: FERS, FEHB, FEGLI, CSRS, High-3 & More
Which acronym tripped you up the longest — FERS, FEGLI, SRS, or MRA? Drop it below 👇START HERE━━━━━━━━━━━━━━━Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/...
The Financial Vocabulary That Intimidates Retirees — Decoded (Roth, RMDs, Capital Gains)
Which term always messes with you — effective tax rate, backdoor Roth, cost basis, or RMDs? Write it below 👇START HERE━━━━━━━━━━━━━━━Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/6...
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$1M Saved But No Written Income Plan? Here's Your Problem
Most federal employees have a number in their head — "I'll retire at 62" — but a number is not a plan. Charles and Marcus break down what an actual written retirement income plan (the Charted Retirement Course) contains: income first, Social Se...
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Federal Retirement Mid-Year Check-In: Are You Still on Track to Retire within 5 Years?
1. High-3 & step increases — a step increase only lifts your High-3 for the time you're actually in it (stay ~3 years for full credit)2. TSP allocation — does it match your goals? Start taking risk off the table ~3 years out if you'll n...
The Mid-Year Federal Retirement Checklist Most Employees Skip (5 Things)
Show-notes summary:We're halfway through 2026 — the moment most federal employees realize they set retirement goals in January and haven't looked since. Charles and Marcus walk through five things to review now, not in December: k...
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12 Retirement Income & Tax Terms Federal Employees Get Wrong (And It Costs Them)
Which of these terms confused you the most before today — Roth vs. Traditional, RMDs, or capital gains? Tell me below 👇Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b43...
Federal Employee Roth Strategy — Why Susan Gained $80K Over Linda #casestudy
Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-in-the...
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Age 60 + Federal Pension + $1M Saved: The 5 Decisions Most People Get Wrong
Federal retirement planning at 60: if you're a year or two from retiring from federal service with a FERS pension, Social Security, and about $1M saved in your TSP, here are 5 decisions to make before you retire — so you stop asking "Am I okay?...
Age 60 + Federal Pension + $1M — Now What?
Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-in-the...
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Are You Making This $80,000 TSP Mistake? - ROTH
Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-in-the...
Retire This Year: The 4-Lane Roadmap
Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-in-the...
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The G Fund Trap: Why Many Federal Employees Get It Wrong
Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-in-the-er...
The 7 Biggest FERS Mistakes We See Federal Employees Make
Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-in...
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Federal Retirement Mistakes: 7 FERS Pension Errors to Avoid Before You Sign
Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-in-the...
The Last Year Before Retirement: 5 Steps Every Federal Employee Must Follow
Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20📘 Federal Retirement Resources:Get the digital guidebook to retirement as a federal employee here:&...
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Retiring from Federal Service? Don't Skip These 5 Steps
Get the digital book at no cost to you here: https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/Want to work with Charles? Apply here: https://cdfinancial.org/schedule-a-meeting/Checklist Challenge: https:...
Federal Employees: Some Are Dying With Too Much Money Left to Enjoy – Will You?
“Die with zero does not mean reckless spending. It means thinking intentionally about how to use your money for experiences, family, giving, and purpose while still protecting your retirement plan.”Get the digital book at no cost to you...
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Federal Employees: Are You Getting Shortchanged on COLA?
Federal employees may hear “COLA increase” and assume their retirement income keeps full pace with inflation, but under FERS, the cost-of-living adjustment can work differently than many expect. Before you retire, it is important to understand ...
TSP Rollover Mistakes That Cost Federal Employees Thousands
Most federal employees are told to roll over their TSP when they retire, but that decision should start with a better question: What is this money supposed to do for you in retirement? In this episode, we break down common TSP rollover mistakes...
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TSP 401k Strategy: Keep It or Move It? We've Tested Both
TSP vs 401(k) rollover strategy isn’t about where the money goes—it’s about what the money is meant to do.” Discover how to decide whether to keep or move your retirement accounts with a clear, purpose-driven plan.Get the digital book a...
Staying the Course in Retirement When the Market Drops
Get the digital book at no cost to you here: https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/Market corrections reveal whether you have investments or whether you have a retirement plan. If you are deciding whe...
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Federal Retirees: The Realistic Path to Lower Taxes in Retirement
Is a tax-free retirement actually possible for federal retirees with a pension—or is it one of the most misunderstood ideas in retirement planning?” This video breaks down how federal retirees can realistically reduce taxes in retirement by und...
Your Pension Could Make You Pay MORE in Taxes — Here's Why
Want to see how this applies to your Retirement Income? Join our April 29th retirement webinar:https://event.webinarjam.com/rygmv/register/gwy3num3“Your pension isn’t the problem—it’s how your income stacks in retirement that can in...
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Market Corrections Reveal Who Has a Real Retirement Plan - Don't Flinch
FREE Federal Employee Book (PDF):https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/The market drops. Don’t flinch.Market corrections reveal whether you have a real retirement plan, especially if you a...
Roth Conversions & IRMAA | Strategies for Federal Employees
Roth conversions and IRMAA are deeply connected—one decision today can impact your Medicare premiums two years from now.Checklist Challenge: https://cdfinancial.org/checklist-challenge/FREE 15-minute call: https://calendly.com/charl...
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