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Federal Employees Retirement & Benefits Podcast by CD FinancialAuthor: Charles Dzama
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. Schedule your complimentary 15-minute phone call today! https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call Language: en-us Genres: Alternative Health, Business, Health & Fitness, Investing Contact email: Get it Feed URL: Get it iTunes ID: Get it |
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Retirement Moves in the 6-Figures That Most Pension Holders Get Wrong
Episode 1
Tuesday, 10 February, 2026
We examine a realistic scenario for a client with a $750,000 TSP/401(K) and a $40,000 pension, focusing on adjustments in fund allocation, and a financial scenario for "Bill" vs. "Jack", one begins withdrawing $3,000 monthly from his TSP and takes Social Security at 62. Understanding crucial aspects like TSP distributions, retirement income, and tax planning is key, and we explore how a bucket strategy retirement approach can help manage these changes effectively.🔗 LINKS & RESOURCESChecklist Challenge: https://cdfinancial.org/checklist-challenge/FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtubeNewsletter: https://cdfinancial.com/newsletter👋 WHO ARE WE?CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.⏱ TIMESTAMPS0:00 Why Retirement Planning Is Different When You Have a Pension0:47 Treating Your Pension as the Foundation of Retirement Income1:42 Social Security Timing Mistakes Pension Holders Make2:39 Using a Pension to Delay Social Security and Increase Lifetime Income3:02 TSP and 401(k) Withdrawal Strategies With a Pension4:10 How Pension Coordination Can Extend Portfolio Longevity4:39 Rethinking Risk Tolerance When You Have Guaranteed Income5:49 Asset Allocation Changes for Pension-Based Retirees6:58 The Pension Coordination Checklist (3 Critical Questions)8:24 Common Pension Planning Mistakes and Missed OpportunitiesSocials:Instagram: https://instagram.com/cdfinancial.llc/Facebook: https://facebook.com/cdfinancialLinkedIn: https://linkedin.com/company/cd-financialAdvisory 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
