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Federal Employees Retirement & Benefits Podcast by CD Financial Federal Employees Retirement & Benefits Podcast by CD Financial Charles Dzama LiSTNR Central Coast Local News LiSTNR Central Coast Local News LiSTNR Dr Ed Weir Show Dr Ed Weir Show Dr Ed Weir Breaking Up With Binge Eating Breaking Up With Binge Eating Georgie Fear and the Confident Eaters Team NHKラジオニュース NHKラジオニュース NHK (Japan Broadcasting Corporation) Real Talk with Marissa Streit | PragerU Real Talk with Marissa Streit | PragerU PragerU AI Space AI Space AI Space Top 5 Top 5 tevin brown piano ten thousand leaves project piano ten thousand leaves project chair house 100 Opinions 100 Opinions 100 Opinions Podcast Indianapolis News Today | 2 Min News | The Daily News Now! Indianapolis News Today | 2 Min News | The Daily News Now! The Daily News Now! The REF 1400 Podcast The REF 1400 Podcast KREF Sports Journal Afrique Journal Afrique RFI The Hugh Hewitt Show: Highly Concentrated The Hugh Hewitt Show: Highly Concentrated Salem Podcast Network I'm Not Judging, But... I'm Not Judging, But... Fin Sentido Común Sentido Común El Conquistador FM MATÉRIAS CBN MATÉRIAS CBN Rádio CBN HuskerOnline Podcast HuskerOnline Podcast HuskerOnline The Horror and Her Podcast The Horror and Her Podcast Film Stories Abraham Hicks’s Podcast Abraham Hicks’s Podcast Abraham Hicks O Antagonista O Antagonista O Antagonista The Zach and Pat Show The Zach and Pat Show Zach Fagas, Patrick Doyle 硬核比特--人工智能硬核比特币新闻 硬核比特--人工智能硬核比特币新闻 Meng 10 minutos con Jesús 10 minutos con Jesús 10 Minutos con Jesús El Shot de la Octava Sports El Shot de la Octava Sports Audio Centro The Steve Finnegan Show The Steve Finnegan Show Steve Finnegan Oakland Athletics News Today | 2 Min News | The Daily News Now! Oakland Athletics News Today | 2 Min News | The Daily News Now! The Daily News Now! Ben Fordham Live on 2GB Breakfast Ben Fordham Live on 2GB Breakfast Radio 2GB Última Hora Caracol Última Hora Caracol Caracol Pódcast vis à vis – Menschen und ihre Geschichten vis à vis – Menschen und ihre Geschichten ERF Medien Schweiz touseefonlinepakistan9's podcast touseefonlinepakistan9's podcast touseefonlinepakistan9 Renascença - Noticiários Renascença - Noticiários Renascença Blue 58 - A Packers Podcast Blue 58 - A Packers Podcast The Power Sweep Beacon Of Hope Church Podcast Beacon Of Hope Church Podcast Beacon Of Hope Church Winnipieg News Today | 2 Min News | The Daily News Now! Winnipieg News Today | 2 Min News | The Daily News Now! The Daily News Now! Great Night Audio Feed Great Night Audio Feed Brian Brushwood & Justin Robert Young 飯田浩司のOK! Cozy up! Podcast 飯田浩司のOK! Cozy up! Podcast ニッポン放送
Federal Employees Retirement & Benefits Podcast by CD Financial

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Federal Employees Retirement & Benefits Podcast by CD Financial

Charles Dzama

FERS Annuitant vs. Annuity: The Difference Federal Employees Get Wrong

July 22, 2026 6:00pm 15 min

"I already have an annuity" — Charles hears it weekly, and it's often a misconception. Being a FERS annuitant (a pension you earned) and owning an annuity (a financial tool you choose) sound identical and mean completely...

The TSP Roth Conversion Catch Nobody Warns You About

July 21, 2026 6:00pm 5 min

Roth conversions before 59½ and Roth conversions inside your TSP get mentioned in the same breath for one reason: they share the same drawback. Withhold taxes on a conversion before 59½, and the government treats it as a...

Federal Retirement Acronyms Explained: FERS, CSRS, TSP, FEHB, SRS & More

July 16, 2026 5:00pm 29 min

Spend enough time around federal retirement and the acronyms start flying — and it starts to feel too late to ask what they mean. Charles and Marcus decode the alphabet soup in plain English: FERS (and RAE/FRAE), CSRS an...

FERS Annuitant vs. Annuity: Federal Employees Get These Two Confused

July 14, 2026 7:00pm 3 min

"I've got an annuity… or do I have an annuity? Wait, I'm a federal annuitant — what does that even mean?" Did you think being a FERS annuitant and having an annuity were the same thing? Drop a Y or N below 👇START HERE━━━...

Federal Retirement Acronyms Explained: FERS, FEHB, FEGLI, CSRS, High-3 & More

July 07, 2026 7:00pm 11 min

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/682642d22275ec003bfa6626/691df07396253e003c42b...

The Financial Vocabulary That Intimidates Retirees — Decoded (Roth, RMDs, Capital Gains)

July 07, 2026 6:00pm 36 min

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/682642d22275ec003bfa66...

$1M Saved But No Written Income Plan? Here's Your Problem

July 02, 2026 5:00pm 26 min

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:...

Federal Retirement Mid-Year Check-In: Are You Still on Track to Retire within 5 Years?

June 30, 2026 7:00pm 7 min

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...

The Mid-Year Federal Retirement Checklist Most Employees Skip (5 Things)

June 25, 2026 2:00pm 33 min

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 D...

12 Retirement Income & Tax Terms Federal Employees Get Wrong (And It Costs Them)

June 23, 2026 5:00pm 14 min

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/682642d22275ec003bfa6626/691df073962...

Federal Employee Roth Strategy — Why Susan Gained $80K Over Linda #casestudy

June 18, 2026 5:00pm 21 min

Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employe...

Age 60 + Federal Pension + $1M Saved: The 5 Decisions Most People Get Wrong

June 16, 2026 6:00pm 7 min

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...

Age 60 + Federal Pension + $1M — Now What?

June 11, 2026 4:00pm 23 min

Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employe...

Are You Making This $80,000 TSP Mistake? - ROTH

June 09, 2026 7:00pm 6 min

Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employe...

Retire This Year: The 4-Lane Roadmap

June 04, 2026 3:00pm 22 min

Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employe...

The G Fund Trap: Why Many Federal Employees Get It Wrong

June 02, 2026 6:00pm 6 min

Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employ...

The 7 Biggest FERS Mistakes We See Federal Employees Make

May 28, 2026 2:00pm 26 min

Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employe...

Federal Retirement Mistakes: 7 FERS Pension Errors to Avoid Before You Sign

May 26, 2026 4:00pm 5 min

Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employe...

The Last Year Before Retirement: 5 Steps Every Federal Employee Must Follow

May 21, 2026 7:00pm 23 min

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 employe...

Retiring from Federal Service? Don't Skip These 5 Steps

May 19, 2026 6:00pm 4 min

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...

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