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

"Buying back military time is more than a financial decision—it’s a strategy to maximize your retirement and claim the rewards for your years of service."

Chapters
0:00 - Podcast Introduction
3:45 - Why Buying Back Military Time Matters
7:00 - Common Misconceptions About Military Time Buyback - Impacts Your Retirement Eligibility
11:11 - Breaking Down Costs: Is It Expensive? - Reservists vs. Active Duty: What You Need to Know
13:00 - Real-Life Stories: Successful Military Time Buybacks - Navigating Federal Forms: A Quick Guide
17:17 - Double-Dipping: Military and Federal Pensions
21:00 - Additional Retirement Benefits Explained
23:40 - What Forms do I need?
26:16 - Health Tip: Boosting Magnesium Levels Naturally
29:30 - Recap & Key Takeaways

FORMS:
• SF3108: https://www.opm.gov/forms/pdf_fill/sf3108.pdf
• RI2107: https://www.opm.gov/forms/pdf_fill/ri20-97.pdf

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 #MilitaryTimeBuyback #FederalBenefits #FinancialFreedom #InvestmentStrategy #CDFinancial #FERS #Veterans

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

"The most important decision you make during Open Season can define your peace of mind for the entire year."

Chapters
0:00 - Introduction to Open Season 2024
1:06 - Why This Year Is Different: Premium Hikes Explained
2:10 - Navigating the Open Season Process - The Importance of Knowing Your Health Needs
3:45 - Overcoming Barriers: Why Most Don’t Switch Plans - Evaluating Your Current Plan and Making Comparisons
6:57 - Common Misconceptions About Plan Changes
08:30 - The Four Cs of Choosing a Plan: Cost, Coverage, Choice, Convenience
13:00 - Real Stories: Open Season Success and Challenges
19:35 - Tips for Using Plan Comparison
26:00 - Health Tip: Daily Workouts: Staying Active for Mental and Physical Health
30:00 - Recap and Final Recommendations

Tools Source Link: guidetohealthplans.org | GUIDE20 for 20% Discount

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

0:00 - Intro
0:10 - Why Retirement Feels Scary
1:11 - What is a Written Retirement Income Plan? - The Wisdom of Planning: Lessons from Whales
2:20 - How to Ensure Your Money Outlasts Your Life - Addressing Mental and Emotional Readiness
3:00 - Retiring to Something, Not to Nothing - The Importance of Reassurance in Financial Planning

"Chart your course to a retirement filled with purpose, freedom, and peace of mind."

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 #FinancialFreedom #RetireSmart #FinancialSecurity #InvestmentStrategy #CDFinancial #Podcast #wealthmanagement

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 to craft a financial strategy that meets your unique retirement goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

"A peaceful retirement starts with preparation. 🌅 Discover how understanding Medicare now can support a future free from financial worry."

Chapters
0:00 - Podcast Introduction
3:05 - Understanding the Retirement Landscape
4:44 - Key Federal Benefits to Know
6:45 - The Importance of Suspending Over Cancelling
7:33 - Social Security Strategies
9:20 - Navigating FEHB and Medicare Options Based on Location
10:20 - Income Streams After Retirement
13:30 - 10% Penalty Explained - Estate Planning Essentials
17:00 - Reducing Financial Risks in Retirement
23:35 - Health and Wellness Tip for Retirees

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 vital financial insights. Subscribe for weekly advice on securing your retirement and achieving lasting peace of mind.

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

#RetirementPlanning #FERS #TSP #FederalEmployees #FinancialAdvice #InvestmentStrategy #EstatePlanning #Medicare #SocialSecurity #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 peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

"Turn unused income into a legacy – investing your extra pension for tomorrow."

Chapters:
0:00 - Intro
0:18 - Who Can Benefit from Additional Income Planning?
1:00 - Evaluating Your Debt: Is There Anything to Pay Off?
1:30 - Maximizing Your Contributions to TSP and Roth
2:09 - Tax Brackets: Impact on Your Extra Income
3:02 - Taxable vs. Tax-Free Growth Explained
4:05 - Building a Roth TSP: What It Means for You
4:44 - Starting Your Roth Clock: The 5-Year Rule - Avoiding the IRS and State Taxes on Growth

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 #FederalEmployees #PensionPlanning #TaxFreeIncome #Investment

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 means knowing that each step brings you closer to retiring on your own terms."

Chapters
0:00 - Understanding Annual Leave in Federal Careers With Case Study
1:15 - The Benefits of Annual Leave for Retirement - Using Sick Leave to Extend Your Career - Case Study: Approaching Retirement Eligibility
1:44 - Calculating Leave into Service Time
2:40 - Strategies for Using Partial Months - Maximizing Sick Leave Credit
3:50 - Annual Leave Taxation Overview - Carrying Over Annual Leave to the Next Year
4:40 - Recap and Final 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

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.

#RetirementPlanning #TSP #401K #FinancialAdvice #InvestmentStrategy #podcast #financialadvice #retirementstrategy #federalemployees #federalbenefits

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 not about working longer, it's about having a better plan for your future."
Schedule a consultation to tailor a plan that suits your unique financial goals: [Insert Link Here]

Chapters
0:00 - Podcast Introduction
0:45 - Welcome and Background
2:30 - Historical Context
7:45 -The American Dream from the 50s The Old CSRS
9:12 - TSP I-Fund: Why It Needed a Redesign
11:05 - New Index and Emerging Markets - What Changed?
14:02 - How Changes Affect Long-Term Returns on the I Fund (43 Countries)
16:45 - Why High Risk May Not Always Equal High-Reward
12:40 - Strategy Considerations for TSP Investors
15:15 - Tailoring Your Own Lifecycle Fund
20:27 - Health Tip: Staying Nimble and Active
22:22 - Recap and Closing Thoughts

Connect with CD Financial for More Insights:
Twitter: @CDFinancial_LLC
Instagram: @CDfinancial.llc
Facebook: CD Financial LLC
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: [Insert Link Here]

Source: https://www.tsp.gov/funds-lifecycle/l-2070/

#RetirementPlanning #FederalRetirement #TSP #InvestmentStrategy #FinancialWellness #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 isn’t about timing the market; it’s about having a plan that can weather all conditions."

Chapters
0:00 - How Elections Impact the Market - Key Risks During Presidential Elections
1:11 - How Markets React to New Administrations - The Impact of Higher Taxes on TSP
2:10 - Safe Options for Retirement Income - Building Stability in Your TSP Plan
3:03 - Value Stocks During Election Cycles - Preparing for Market Volatility

Source: https://us.etrade.com/knowledge/library/perspectives/daily-insights/election-stock-patterns

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 #TSP401K #FinancialAdvice #InvestmentStrategy #Podcast #ElectionImpact #WealthBuilding #FinancialSecurity #CDFinancial #RetireConfident

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