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-minute consultation: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube
📧 Newsletter: https://cdfinancial.org/newsletter

⏱ TIMESTAMPS
0:00 Intro - Why Use a Financial Advisor?
2:15 When Do You Need Professional Help?
5:30 What Does a Financial Advisor Actually Do?
9:45 Fee Structures Explained
14:20 Fiduciary vs Commission-Based Advisors
18:30 Federal Employee Specific Planning
22:10 Questions to Ask Before Hiring
25:00 Final Thoughts

💼 WHO WE HELP
CD Financial specializes in helping federal employees and near-retirees create sustainable, tax-smart retirement income. Get weekly strategies on TSP, FERS, Social Security timing, tax planning, and retirement readiness.

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📱 CONNECT WITH US
Instagram: https://instagram.com/cdfinancial.llc/
Facebook: https://facebook.com/cdfinancial
LinkedIn: https://linkedin.com/company/cd-financial

#FinancialAdvisor #RetirementPlanning #FederalEmployees #TSP #FERS #FinancialPlanning #RetirementIncome #TaxPlanning #FiduciaryAdvisor #FederalRetirement

⚖️ LEGAL DISCLAIMER
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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