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
270 episodes
The Last Year Before Retirement: 5 Steps Every Federal Employee Must Follow
Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20đ 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 â Will You?
âDie 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.âGet the digital book at no cost to you...
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Federal Employees: Are You Getting Shortchanged on COLA?
Federal employees may hear âCOLA increaseâ 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 isnât about where the money goesâitâs about what the money is meant to do.â 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 pensionâor is it one of the most misunderstood ideas in retirement planning?â This video breaks down how federal retirees can realistically reduce taxes in retirement by und...
Your Pension Could Make You Pay MORE in Taxes â 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/gwy3num3âYour pension isnât the problemâitâs 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. Donât 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 connectedâone 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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Federal Employees: Your Pension Might Cost You Thousands in Extra TaxesâIncome Stacking
Federal employee retirement income stacking can quietly push you into higher tax bracketsâturning your pension, TSP withdrawals, and Social Security into a costly tax surprise if not planned properly.âIncome stacking in retirement isnât abo...
Federal Employees Missing This TSP 401k Tax Deadline? Here's What Happens
TSP and 401(k) withdrawals can create an unexpected tax bill when withholding does not match your actual tax bracket, state tax exposure, and total retirement income. In this episode, we break down what federal employees and retirees should che...
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Spending in Retirement Without Regret: A Practical Framework to Die With Zero
âHow do you spend money in retirement without fear of running outâand without leaving life unlived?â This video explores a practical retirement spending framework inspired by Die With Zero, helping you balance income, experiences, and long-term...
FERS Supplement vs Social Security: Which Comes First?
FERS Supplement vs Social Security: When does the bridge income startâand what happens at age 62 that federal employees need to plan for? Checklist Challenge: https://cdfinancial.org/checklist-challenge/âYour FERS Supplement is designed to ...
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Survivor Benefits: Pension Maximization vs Lump Sum: Which Wins for Federal Employees?
Federal employee survivor benefits explained: Should you choose the FERS survivor annuity or consider a pension maximization strategy for spousal income protection?In this video, we walk through pension maximization, survivor benefit electi...
First-Year in Retirement: Mistakes Some Federal Employees Make
The first year of retirement for federal employees can quietly determine decades of financial stabilityâor costly mistakes if key decisions around pension, TSP, taxes, and healthcare are overlooked.Checklist Challenge: https://cdfinanci...
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Federal Employees Are Withdrawing TSP Wrong (Here's Why)
Many federal employees reach retirement with strong TSP balances but without a clear withdrawal strategy. In this video, we break down common TSP withdrawal mistakes, how distributions can affect your tax bracket, and why retirement income plan...
Why Most Federal Employees Mess Up Their Internal Roth TSP Conversions
Roth TSP conversions are taxed as ordinary income in the year you convert, and without proper planning, they can push you into higher tax brackets.âInternal Roth TSP conversions can be powerfulâbut without a strategy, they can increase ...
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Roth TSP: Internal Conversions Explained
Before you convert your Traditional TSP to Roth TSP, you need to understand the tax bill, timing strategy, and whether it actually improves your long-term retirement income.Roth TSP internal conversions can look simpleâbut the tax impli...
TSP Withdrawal Strategies for Federal Retirees: Top Considerations Before Withdrawing
Your TSP withdrawal strategy can affect your retirement income, tax exposure, and overall flexibility in retirement. In this episode, we discuss TSP withdrawal options for federal employees, including monthly payments, lump-sum distributions, r...
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Roth Conversion Timing for Federal Employees: Timing Mistakes Some Overlook
Roth conversion timing mistakes can quietly cost federal employees thousands in unnecessary taxes. If you retire with a TSP, 401(k), or traditional IRA, the question isnât whether to consider a Roth conversionâitâs when and how much to convert ...
Is Delaying Social Security Actually Worth It If You Have a FERS Pension?
Federal employees with a FERS pension have a unique advantage when deciding when to claim Social Securityâbut choosing the wrong claiming age can significantly affect your lifetime retirement income. Understanding how Social Security timing wor...
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First Year Retired? You're Probably Making This MistakeâPivot
Retirement planning mistakes federal employees make in their first year â from TSP decisions to FEHB coordination and Social Security timing â can cost decades of peace of mind and financial security. Learn the key retirement mistakes and how t...
Roth Conversions: Early vs. Late Retirement Timing
Early retirement Roth conversion timing can significantly reduce lifetime taxes by capturing lower tax brackets before Social Security, Medicare IRMAA, and RMDs push income higher.â Learn when and why timing matters for Roth conversions and tax...
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