“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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👋 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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