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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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Federal Employees Retirement & Benefits Podcast by CD Financial
Your Pension Could Make You Pay MORE in Taxes — Here's Why
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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 increase your tax exposure.”
Get the digital book at no cost to you here: https://cdfinancial.org/being-a-federal-employee-book/
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FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube
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👋 WHO ARE WE?
CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.
⏱ TIMESTAMPS
0:00 Why your pension can increase taxes in retirement
1:23 Why taxes don’t always go down after you retire
2:54 What “income stacking” really means
4:25 How your pension fills lower tax brackets first
5:06 The truth about Social Security taxation
6:53 When RMDs start increasing your tax burden
8:32 Smarter withdrawal strategies to manage taxes
9:24 Roth conversions and timing opportunities
10:23 Using charitable strategies to reduce taxes
13:01 States with favorable retirement tax treatment
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.