Federal Employees Retirement & Benefits Podcast by CD Financial
by Charles Dzama
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Recent episodes
Cheap Advice, Expensive Federal Retirement Mistakes
Sep 3, 2026
22m 34s
Is Your TSP Ready for Retirement? The Income Conversion Test
Sep 2, 2026
5m 11s
Your FERS Retirement, Explained: Pension, TSP, Taxes & the Decisions You Can't Undo
Aug 27, 2026
18m 08s
Why Your Low-Fee TSP Isn't a Retirement Plan
Aug 25, 2026
6m 05s
$3,000 FERS Pension, $1,259 Received: Here's Where The Rest Goes
Aug 21, 2026
14m 21s
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| Date | Episode | Topics | Guests | Brands | Places | Keywords | Sponsor | Length | |
|---|---|---|---|---|---|---|---|---|---|
| 9/3/26 |  Cheap Advice, Expensive Federal Retirement Mistakes | A low fee on your TSP is real — but it only pays for the investment account. It doesn't coordinate your FERS pension, Social Security timing, the FEHB/Medicare Part B decision, your survivor benefit election, or your taxes. Charles and Marcus walk through what a cheap plan quietly costs federal employees, why retirement flips the job from accumulation to distribution, and what to ask before hiring or switching advisors. Chapters: 0:00 Cheap Fees vs. the Whole Picture 0:30 We... | 22m 34s | ||||||
| 9/2/26 | Is Your TSP Ready for Retirement? The Income Conversion Test | Your TSP monthly income balance may look substantial—but how much monthly retirement income can it actually provide? In this video, Charles explains how federal employees can turn a TSP balance into a practical monthly paycheck. You’ll learn how to calculate the gap between your retirement income and real expenses, establish TSP installment payments, and account for taxes, inflation, and market risk before making withdrawals. ━━━━━━━━━━━━━━━ IN THIS VIDEO YOU CAN LEARN ━━━━━━━━━━━━━━━ - Why... | 5m 11s | ||||||
| 8/27/26 |  Your FERS Retirement, Explained: Pension, TSP, Taxes & the Decisions You Can't Undo | FERS retirement in one place: your pension, TSP, and Social Security — and the decisions that become permanent the moment you make them. Charles and Marcus explain how the three legs of federal retirement connect, what a $3,000 pension actually nets after taxes, FEHB, and the survivor benefit, and the choices you truly can't undo. Chapters: 0:00 The Three Legs of FERS Retirement 0:24 Welcome to the Podcast 0:57 Leg 1: Your FERS Pension 1:56 Leg 2: Social Security Timing 2:36 Leg 3: TSP — How ... | 18m 08s | ||||||
| 8/25/26 | Why Your Low-Fee TSP Isn't a Retirement Plan | Your TSP has some of the lowest fees in the country — but a low-fee investment account is not the same thing as a written retirement income plan. In this short video, Charles explains what a real federal retirement plan actually coordinates, and what it costs you every year you wait. ━━━━━━━━━━━━━━━ IN THIS VIDEO YOU CAN LEARN ━━━━━━━━━━━━━━━ - Why low TSP fees don't add up to a retirement plan - What a real plan coordinates: FEHB, Medicare Part B, survivor benefits, and Social Security timi... | 6m 05s | ||||||
| 8/21/26 |  $3,000 FERS Pension, $1,259 Received: Here's Where The Rest Goes | Your FERS pension estimate says one number — but what actually lands in your bank account is a different one. Charles and Marcus walk a real $3,000 FERS pension through the survivor benefit election, FEHB premiums, and taxes to show exactly where the money goes before you ever see it, landing on a real net number of $1,259. Chapters: 0:00 The $3,000 Pension Gap 0:28 Welcome to the Podcast 1:19 Why Your Pension Estimate Is Misleading 1:47 The $3,000 Example Begins 3:19 Deduction 1: Survivor Be... | 14m 21s | ||||||
| 8/18/26 | 4 TSP Withdrawal Mistakes to Avoid - Spending With No Regrets | Your TSP withdrawals can trigger consequences you never see coming — and sometimes "doing nothing" is the biggest mistake of all. In this short video, Charles walks through the TSP withdrawal traps that quietly cost federal retirees: lump sums that bump your tax bracket, Medicare premium spikes (IRMAA), a hidden jump in how much of your Social Security gets taxed, and RMDs that take the wheel if you don't plan. ━━━━━━━━━━━━━━━ IN THIS VIDEO YOU CAN LEARN ━━━━━━━━━━━━━━━ - How a big lump-sum ... | 5m 25s | ||||||
| 8/13/26 |  Age 60, $850K in TSP, a FERS Pension: Retire Now or Wait | Can a federal employee retire at 60 with $850,000 in TSP and a FERS pension? In this episode, Charles and Marcus walk through a real federal retirement case study — the FERS pension formula, Social Security timing, and a safe TSP withdrawal rate — to answer the question everyone in this position is asking: retire now, or wait? ━━━━━━━━━━━━━━━ IN THIS VIDEO YOU CAN LEARN ━━━━━━━━━━━━━━━ - The FERS pension formula — and the 10% bonus you get by waiting to age 62 with 20+ years of service - Why... | 14m 28s | ||||||
| 8/11/26 | 4 federal retirement mistakes you can't undo | Four federal retirement mistakes to avoid. These decisions have a short window to get right — survivor benefit, FEHB, FEGLI, and TSP withdrawals — and for most of them, there's no fixing it later. In this video, Charles walks through exactly what to do with each one, and why the "obvious" move (cancel, take the lump sum) is usually the expensive one. ━━━━━━━━━━━━━━━ IN THIS VIDEO YOU CAN LEARN ━━━━━━━━━━━━━━━ - Survivor benefit: the short window to change it — and why you can't count on a fi... | 5m 34s | ||||||
| 8/7/26 | Federal Employees Are Withdrawing TSP in the Wrong Order—Here's the Cost | Have a Financial Advisor for Federal Employees respond to your questions. Apply for a Retirement Consultation: https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/ Two federal employees retire the same year with the same TSP balance. Five years later, one has paid tens of thousands more in taxes. The difference wasn't the market — it was the withdrawal decisions. In this episode, Charles and Marcus walk through the five TSP withdrawal mistakes behind that gap, and how to avoid each one. ... | 16m 43s | ||||||
| 8/5/26 | If You're Retiring Now, Watch This Before You Claim FERS | - Gross vs. net on a FERS pension — and why the difference matters - How the survivor benefit election takes ~10% off the top - Why FEHB (health insurance) is often the single biggest deduction - What federal and state taxes do to what's left - The number that actually reaches your bank account — your "port of entry" Your FERS pension has a number that looks great on paper (gross) and a number that actually lands in your bank account (net) — and the gap is bigger than most federal employees ... | 4m 27s | ||||||
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| 7/30/26 |  The Roth Conversion Mistake That Costs Federal Employees a 10% Penalty | Roth conversions can be powerful — but do one before 59½, or inside your TSP, without a plan, and it can sting. Charles and Marcus explain why these two are mentioned in the same breath: the 10% early-withdrawal penalty when you withhold tax under 59½, why an in-plan TSP conversion avoids the penalty but won't withhold your taxes, and why you need cash outside the account to pay the bill. Walked through with two real stories — "Jack" and "Jill" — plus the measured-step approach and the Roth 5... | 17m 33s | ||||||
| 7/28/26 | The Stock Risk That Quietly Wrecks Retirement Portfolios | In this short video, Charles explains single stock risk, why "they're in different sectors" isn't the protection people think it is, and the concentration approach he prefers instead. If your portfolio holds just three, four, or five individual stocks, you may be carrying more risk than you realize. Four can perform beautifully — and one bad position can pull your whole year down. How many individual stocks are in your portfolio right now? Drop the number below 👇 ━━━━━━━━━━━━━━━ START... | 3m 30s | ||||||
| 7/22/26 |  FERS Annuitant vs. Annuity: The Difference Federal Employees Get Wrong | "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 different things. Charles and Marcus clear it up — including why a survivor benefit lowers your pension, how a fixed indexed annuity works, and why it isn't right for every dollar. Chapters: 0:00 Annuity vs. Annuitant — Not the Same 1:50 What a FERS Annuitan... | 15m 54s | ||||||
| 7/21/26 | The TSP Roth Conversion Catch Nobody Warns You About | 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 an early withdrawal — adding a 10% penalty on top. Inside the TSP, they won't let you withhold at all. Either way, you need a plan for the tax money. ━━━━━━━━━━━━━━━ START HERE ━━━━━━━━━━━━━━━ Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003b... | 5m 15s | ||||||
| 7/16/26 | federal retirementacronyms+4 | Marcus | CD FinancialOPM+14 | — | FERSCSRS+8 | — | 29m 12s | ||
| 7/15/26 | FERS annuitantannuity+3 | — | CD Financial | — | FERSannuitant+3 | — | 3m 54s | ||
| 7/8/26 | Federal RetirementAcronyms+5 | — | CD Financialperspectivefunnel.co+1 | — | FERSFEHB+5 | — | 11m 28s | ||
| 7/7/26 | retirement planningfinancial vocabulary+4 | — | Digital Federal Retirement GuidebookChecklist Challenge+1 | Federal | effective tax ratebackdoor Roth+3 | — | 36m 07s | ||
| 7/2/26 | retirement planningincome strategy+3 | Marcus | Charted Retirement Course | — | retirementincome plan+3 | — | 26m 55s | ||
| 7/1/26 | Federal RetirementTSP Allocation+3 | — | TSPSF-3108 | — | High-3TSP+3 | — | 7m 47s | ||
| 6/25/26 | federal retirementretirement checklist+4 | Marcus | — | — | federal employeesretirement goals+5 | — | 33m 26s | ||
| 6/23/26 | retirement incometax terms+3 | — | Digital Federal Retirement GuidebookChecklist Challenge+1 | RothTraditional+2 | retirement incometax terms+5 | — | 14m 19s | ||
| 6/18/26 | Roth strategyfederal employee retirement+3 | — | CD FinancialCDFinancial | — | Roth strategyfederal employee+3 | — | 21m 41s | ||
| 6/16/26 | federal retirement planningFERS pension+5 | — | FERSTSP+3 | — | federal retirementFERS+7 | — | 7m 07s | ||
| 6/11/26 | federal pensionretirement planning+3 | — | Digital Federal Retirement GuidebookChecklist Challenge+1 | — | federal pensionretirement consultation+3 | — | 23m 09s | ||
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