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 the tools you need to transition into retirement with confidence. Subscribe for expert guidance, real stories, and actionable advice you can use.

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

⏱ TIMESTAMPS
0:00 Intro: What happens when your retirement check doesn’t arrive
0:35 Understanding the delay: regular pension vs estimated checks
1:08 What zero income looks like in your first few months post-retirement
1:50 Sources to fill the gap: savings, private accounts, disability income
2:12 Real-life case: “Tom and Carla” — one unprepared, one protected
2:45 Risks of credit card debt and borrowing to survive
3:17 Building a bridge fund: how much you really need (example)
3:54 Using TSP → IRA when you’re over 59½ to access funds sooner
4:21 Planning isn’t about working longer — it’s about smarter preparation

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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.

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.

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“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 but getting back up in retirement
4:09 – Why retirees must pay attention to recessions and sequence of returns risk
6:26 – “Do’s vs. Don’ts”: The dangers of pulling from declining assets (doofus vs. gallant)
10:01 – Why pulling from a down portfolio compounds losses—30%+ rebound needed
11:20 – What you *should* do: Separate income and growth assets for stability
12:27 – Avoid volatility in your retirement “paycheck”
13:45 – Peace of mind visit: planning your retirement voyage with charts
16:13 – How to schedule your consultation: text vs. call details
16:57 – Summary: balance growth and stability for a recession-resilient plan
18:28 – Mental health tip: when you take a break, really take a break
20:04 – Final thoughts: Recessions are inevitable—your response doesn’t have to be
20:43 – Wrap-up: Thanks for joining — check the resource library below

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Facebook: /CDFinancialLLC
LinkedIn: /cd-financial‑llc

👋 WHO AM I?
I’m Charles Dzama, founder of CD Financial. We help federal employees understand their benefits, optimize retirement income, and make confident decisions about the future. On this channel, you’ll find clear, practical guidance on FERS, FEHB, TSP, and more.

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.

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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/dza...

“You don’t need to work longer, you just need a better plan.”

⌚ Timestamps / Chapters
0:00 – Introduction: Holding Too Much Cash? – Charles introduces the question: is your money sitting idly—and losing value?
0:40 – The Comfort vs. Inflation Trap – Why that “feel-good” bank balance may actually be shrinking in real terms.
0:59 – Real Yield After Taxes – The sting of a 33.3% total tax drag on interest income.
1:33 – Tax-Deferred Alternatives: Multi-Year Annuities (MYA) – How these stacked deferrals can offer higher effective returns.
2:55 – Balancing Liquidity and Risk – Strategically using annuities vs. keeping cash on hand.
3:19 – Index Funds vs. Mutual Funds – Why ETFs and long-term holdings can be more tax-efficient than daily-rebalancing mutual funds.
4:30 – Real Estate in the Mix – Considering rental properties like a SoCal triplex for diversification and tax benefits.
5:17 – Emergency Fund Strategy – How much cash is truly necessary—6 to 8 months or more for remodels or renovations.
5:51 – Working with a Fiduciary – Why specialized help matters, especially for federal employees.
6:37 – Roth Contributions as an Alternative – Funding Roth IRAs or Roth TSPs for tax-free growth.
7:10 – Leveraging Roth TSP/401(k) – The long-term benefits of Roth accounts for you and your heirs.
7:44 – Wrap-Up & How to Reach Us – Learn more, schedule a call, and remember—it’s not about working longer, it's about planning smarter.

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 Social Security Fairness Act ensures fairness for public servants who planned wisely in their careers — they should never be penalized for planning well.”

⌚ Timestamps

0:00 – Introduction: What Is the Social Security Fairness Act?
0:36 – Storytime: From VCRs and Blockbuster to Uncle Joe’s Last Acts
2:08 – What Were WEP & GPO and Why Did They Exist?
3:24 – Who Was Impacted: CSRS, Teachers, Police, Fire, Railroad Employees
5:10 – Real-Life Examples: Clients and Back Payments (e.g., “Patty P.”)
11:52 – When Did It Take Effect? (January 1, 2025)
12:14 – SERS Offset Cases: How They Were Finally Fixed
13:25 – Real-Life Wins: Who Benefited and Why It Matters
13:50 – Health Tip: Surround Yourself with Healthy Influences
14:53 – Couples Who Sweat Together Stay Together—Working Out with Loved Ones
19:07 – Closing Thoughts and How to Get More from CD Financial
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.

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 Big Beautiful Bill is putting more money in your pocket—through bigger deductions, senior benefits, and opportunities to turn tax savings into retirement freedom.”

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Free Events & Webinars: https://cdfinancial.org/attend-an-event/
Schedule with Charles: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

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Connect with CD Financial for More Insights:
Twitter: /CDFinancial_LLC
Instagram: /CDfinancial.llc
Facebook: /CDFinancialLLC
LinkedIn: /cd-financial-llc

👋 WHO AM I?
We’re CD Financial, where health meets wealth. Our channel focuses on helping federal employees, retirees, and professionals understand their benefits, maximize income strategies, and plan for a more secure financial future.

⌚️ Timestamps
0:00 – Introduction: The One Big Beautiful Bill Explained
1:15 – Standard Deduction Increase & Inflation Adjustments
3:40 – Senior Deduction Boosts: Why Retirees Benefit Most
6:10 – COLA for Federal Employees, Military, and Social Security
7:45 – Child Tax Credit Updates
8:45 – Car Loan Interest Deduction—Who Really Qualifies?
10:15 – Real Estate Improvements & Bonus Depreciation (100% Write-Off)
14:05 – The Biggest Tax Bracket Opportunity for Retirement Planning
17:00 – Mexican Food Stories & Health Tip: Eat Real Food
24:40 – Closing Thoughts & Fresh Food Lifestyle Tip

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

"Federal job rehiring isn’t just about a paycheck—it’s about purpose, security, and knowing if going back is the right move for your future."

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Schedule Your Complimentary Consultation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

Attend My Free Webinars: https://cdfinancial.org/attend-an-event/

⚙️ MY FREE WEBINARS
https://cdfinancial.org/attend-an-event/

Connect with CD Financial for More Insights:
Twitter: /CDFinancial_LLC
Instagram: /CDfinancial.llc
Facebook: /CDFinancialLLC
LinkedIn: /cd-financial-llc

👋 WHO AM I?
I’m Charles Dzama, founder of CD Financial. For nearly two decades, I’ve been helping federal employees navigate their retirement options, benefits, and long-term income planning. This channel is dedicated to breaking down complex financial decisions into clear, actionable steps—so you can retire with confidence and live life on your terms.

⌚️ Timestamps
0:00 – Why Consider Returning to Your Old Federal Job?
0:35 – Working Again with People You Respect
0:56 – Common Reasons to Rejoin Federal Service
1:21 – Retirement Readiness Concerns and Planning Gaps
1:44 – Not Knowing How to “Be Retired”
2:10 – Opportunities Through Past Connections
2:34 – Facing a Tight Job Market & Staying Resilient
2:58 – How to Get Help from a Federal Benefits Expert

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.

As federal agencies restructure, some are considering a return to office, prompting a re-evaluation of employment options. This video explores the reasons behind this trend, including potential offers from agencies, and what to consider before making a decision about your work.

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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

“Returning to federal service? Your prior years still count—if you didn’t take a refund, you keep that service credited.”

💌 Sign up to my free weekly email newsletter https://cdfinancial.org/media/#newsletter

⚙️ MY FREE WEBINARS
https://cdfinancial.org/attend-an-event/

Connect with CD Financial for More Insights:
Twitter: CDFinancial_LLC
Instagram: CDfinancial.llc
Facebook: CDFinancialLLC
LinkedIn: cd-financial-llc

👋 WHO AM I?
I’m Charles Dzama, founder of CD Financial. We help federal employees understand their benefits, optimize retirement income, and make confident decisions about the future. On this channel, you’ll find clear, practical guidance on FERS, FEHB, TSP, and more.

⌚ Timestamps
0:00 – Introduction
1:05 – Charles’ morning beach routine & light banter
3:00 – Why consider returning to your federal job?
5:05 – What is a supplement annuity (for returning with 5 years)?
6:33 – What is a redetermined annuity (for 5 years rehired)?
8:11 – How pension recalculation works with example numbers
9:00 – The “rub”: Pension offset and no double-dipping rule
11:27 – Special case: “Return to Mission” (RTM) and dual waiver exceptions
12:37 – ICE agents: RTM benefits & sign‑on bonuses
14:49 – Personal story: “Susie Q” and real‑world motivations to return
20:11 – Recap: Benefits of supplement vs. redetermined annuity
20:35 – Health tip moment: Thai massage & flexibility advice

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

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What happens if I get hired back? A supplemental annuity?
What is a Redetermined Annuity? Five years might be big! What’s the catch? Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

“Maximizing your federal pension by understanding supplemental annuities when rehired”

⌚️ Timestamps
0:00 – Can I get hired back to my federal job? The kicker explained
0:24 – How supplements work if you return while collecting a pension
0:46 – What happens if you haven’t built your “high‑3” salary average
1:14 – The impact of 5 years of rehire: redetermined annuity explained
1:38 – How returning could boost your entire pension calculation
2:09 – The kicker: salary offset when receiving a VA or agency pension
2:41 – Specific examples of pay reduction formulas
3:15 – Offers from other agencies: what to consider before rehiring
3:31 – Schedule a call to get personalized help from CD Financial

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.

Support the show