Discover how charitable donations can maximize your tax benefits and support causes you care about. In this video, we unpack: Strategies for effective charitable giving Tax deductions for retirees and business owners Donor-advised funds and philanthropy tips Common mistakes to avoid when giving IRS rules and documentation best practices Key Links & Resources: Book a FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube Subscribe for weekly t...

Confused about why your Medicare Part B premium is higher? Discover how IRMAA (Income-Related Monthly Adjustment Amount) impacts your Medicare costs and what federal employees and retirees can do about higher premiums. This video covers: What is IRMAA and why it matters for Medicare Part B & D How taxes affect your Medicare premiums and retirement budget Planning strategies for federal retirees, including FERS, TSP, Social Security Real-world tips on managing healthcare costs and avoi...

Curious about how financial advisors actually earn their income—especially for federal employees and retirees? This video demystifies how advisors are paid, explains fee structures, and helps you choose the best financial guidance for your retirement planning. KEY TOPICS COVERED: Financial advisor fees explained Commission, fee-only, and hybrid models Pros and cons for federal employees and retirees 401K, FERS, TSP, Social Security timing tips How to avoid common advisor pitfalls 🔗 LINKS &a...

Are you a federal retiree still waiting for your first pension check? You’re not alone—delays at OPM are leaving thousands in financial limbo. In this video, learn bridge strategies to cover expenses, avoid financial hardship, and what steps you can take now if your federal retirement payment is late. Your pension check might not be processed—so what are you going to do when no pension checks are being processed? 🔗 LINKS & RESOURCES FREE 15-minute call: https://calendly.com/charlesdzama...

Should you work with a financial advisor? Discover when hiring a certified financial planner makes sense for federal employees and retirees—and when DIY investing might be enough. Learn the real value a fiduciary financial advisor brings to your retirement planning, from tax-smart strategies to FERS benefits optimization. Whether you're nearing retirement or managing TSP withdrawals, this guide covers what to expect when working with a professional advisor. 🔗 LINKS & RESOURCES 📞 FREE 15...

When the government stops, your bills don’t. Learn how to stay financially steady during a federal shutdown and protect your essentials. When federal paychecks pause, preparation becomes protection. Here’s how to manage bills, cash flow, and peace of mind through a government shutdown. 🔗 LINKS & RESOURCES FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube Newsletter: https://cdfinancial.com/newsletter Socials: Instagram: https://instagram....

Medicare Part B premium costs can jump because of IRMAA (Income-Related Monthly Adjustment Amount) when your MAGI crosses key thresholds—especially for federal retirees with pensions, Social Security, and RMDs. Learn how timing, Roth conversions, and TRICARE for Life choices can influence your Medicare Part B and Part D costs without panic or fear-mongering. IRMAA isn’t a penalty—it’s a higher Medicare Part B and D premium triggered by income. With smart tax planning, you can navigate the th...

Your pension check hasn’t arrived yet — and it’s been months? That’s not a rare story anymore. Federal retirement delays are real, and it’s time to prepare for them. OPM processing times have stretched far beyond the traditional six to eight weeks, and thousands of retirees are waiting much longer for their first payment. 👉 Schedule your free retirement transition consultation: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube Newsletter: https://cdfinancial.com/ne...

Is your federal job at risk? Learn everything about the 2025 government shutdown, Reduction in Force (RIF), furloughs, and how they impact federal employees with expert Ann Vanderol. This urgent breakdown covers what you need to know RIGHT NOW to protect your career, benefits, and retirement. 🚨 2025 Federal Shutdown & RIF Critical Topics: ✅ What is a Reduction in Force (RIF) and how does it work? ✅ Difference between furloughs, layoffs, and RIF ✅ Which federal employees are most at risk?...

How will the 2025 government shutdown impact federal employees, retirees, and those receiving Social Security? In this urgent update, CD Financial unpacks the latest on furloughs, layoffs, and Reduction in Force (RIF)—plus what steps you need to take right now. 🔗 LINKS & RESOURCES FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube Newsletter: https://cdfinancial.com/newsletter A reduction in force (RIF) during the 2025 federal shutdown may ...

Is the new OPM Online Retirement Application (ORA) speeding up federal retirement or causing more delays? In this video, CD Financial explains the digital process, timelines, hidden pitfalls, and speedy tips for federal employees (FERS & CSRS) preparing to retire. Learn how to optimize your paperwork, avoid late annuity payments, and get the answers to crucial OPM system changes for 2025. 🔗 LINKS & RESOURCES FREE 15-minute call: https://calendly.com/charlesdzama/com... Newsletter: ht...

🚨 Government Shutdown URGENT Update: How will your paycheck, benefits, and retirement be impacted? Millions of federal employees and retirees are searching for answers—CD Financial reveals what most people miss (and how to protect your income right now). 👇 Have a question or personal concern? Comment below—real answers from our team! 🔔 Subscribe for urgent updates and practical financial tips. 📞 Book your FREE consult: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-you...

How will the October 2025 government shutdown impact federal employees, retirees, and Social Security recipients? In this video, CD Financial breaks down what you can expect, tips to protect your income, how to bridge financial gaps, and updates on benefits. Get expert retirement and financial planning strategies tailored to the federal workforce. 🔔 Subscribe for weekly insights on retirement, tax planning, TSP, FERS, and Social Security. 📞 Book your FREE 15-minute consultation: ...

A financial advisor doesn’t just manage your investments — they design a roadmap to your goals, protect your lifetime income, and adapt your plan when life changes. 🔔 Don’t forget to Subscribe and tap the bell for weekly insights on financial planning, retirement, tax strategy, and more. A truly fiduciary financial advisor builds personalized retirement income strategies, handles tax planning, and ensures your portfolio adjusts to life’s changes. 🔗 LINKS & RESOURCES FREE 15-minute call...

When should you retire—62, 65, or 67? The right decision could mean a bigger pension, stronger Social Security benefits, and more years to enjoy your retirement income. 🔗 LINKS & RESOURCES FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube Newsletter: https://cdfinancial.com/newsletter Free Resources Library: https://cdfinancial.com/resources Socials: Instagram: https://instagram.com/cdfinancial.llc/ Facebook: https://facebook.com/cdfinanci...

Don’t let inflation erode your retirement — this video shows you how you can protect your 2025 Federal Pension COLA for income liquidity from day one. By rolling over a portion of your TSP into an IRA before retirement and having liquid funds in place, you can increase the quality of the first few months of retirement without delays in your pension COLA or benefits. 🔗 LINKS & RESOURCES FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube News...

DIY retirement income often fails not because of market drops—but because emotional selling, poor tax planning, and wrong withdrawal timing silently drain your savings. For many DIY retirees, the fatal five are market corrections, shifting from accumulation to income without a strategy, lack of access to durable income instruments, mismanaged tax implications, and uncertainty about whether their money will last through retirement. 🔗 LINKS & RESOURCES 👉 Schedule a free 15-minute call htt...

Don’t run out of money before you run out of life—build a written retirement income plan you can count on. Large, poorly timed withdrawals and RMD surprises can wreck a portfolio—separate income from growth and let a tax plan, not emotions, drive your decisions. 🔗 LINKS & RESOURCES 👉 Schedule a free 15-minute call https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube Newsletter: https://cdfinancial.com/newsletter Free Resources Library: https://cdfinancial.com/res...

How to survive a delayed federal retirement pension check? Avoid financial ruin by building your bridge plan now. Many federal retirees are shocked to find that not only is the regular pension delayed for months, but even the first estimated check may be missing — you need a bridge strategy in place so you aren’t left without income. This channel helps federal employees and retirees protect their financial security by providing clear retirement planning strategies, income-gap solutions, and...

“Lead a charted retirement course by separating income assets from growth assets for true recession‑proof peace of mind.” 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 Chapters 0:00 – Welcome & intro: What does "recession-proof your retirement" really mean? 0:46 – Chuck’s ocean swimming analogy – being knocked down bu...