Want to see how this applies to your Retirement Income? Join our April 29th retirement webinar:
https://event.webinarjam.com/rygmv/register/gwy3num3

“Your pension isn’t the problem—it’s how your income stacks in retirement that can increase your tax exposure.”

Get the digital book at no cost to you here: https://cdfinancial.org/being-a-federal-employee-book/

Checklist Challenge: https://cdfinancial.org/checklist-challenge/

FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube

Newsletter: 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.

⏱ TIMESTAMPS
0:00 Why your pension can increase taxes in retirement
1:23 Why taxes don’t always go down after you retire
2:54 What “income stacking” really means
4:25 How your pension fills lower tax brackets first
5:06 The truth about Social Security taxation
6:53 When RMDs start increasing your tax burden
8:32 Smarter withdrawal strategies to manage taxes
9:24 Roth conversions and timing opportunities
10:23 Using charitable strategies to reduce taxes
13:01 States with favorable retirement tax treatment

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

FREE Federal Employee Book (PDF):
https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/

The market drops. Don’t flinch.

Market corrections reveal whether you have a real retirement plan, especially if you are deciding whether to keep funding your TSP or 401(k), move toward the G Fund, or stay disciplined through market volatility.

Most people don’t realize this until the market forces the decision.

This video breaks down what to do during a market correction, how TSP investing works in downturns, and why long-term retirement planning requires discipline over reaction.

Here’s the reality: dollar cost averaging, not chasing returns, and reducing risk a few years before retirement matter more than emotional reactions or trying to time the market.

If you’re feeling that pressure right now, this is exactly where a real plan matters.

LINKS & RESOURCES

Checklist Challenge:
https://cdfinancial.org/checklist-challenge/

Schedule a complimentary call if you want help building your retirement plan:
https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube

Newsletter:
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, and compliant.

TIMESTAMPS

0:00 Market Corrections and Why You Should Not Flinch
0:25 Dollar Cost Averaging in Your TSP or 401(k)
0:49 Buying on Sale During Market Volatility
1:15 Why You Should Not Stop Retirement Contributions
1:40 Before You Move Everything to the G Fund
2:12 Why Timing the Market Means Being Right Twice
2:38 Build a Retirement Plan Before You Retire
3:09 Federal Employees, TSP, and Your Benefits Guide
3:39 Next Steps for Retirement Planning

#MarketCorrections #RetirementPlanning #FederalEmployees #TSP #CDFinancial

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

Roth conversions and IRMAA are deeply connected—one decision today can impact your Medicare premiums two years from now.

Checklist Challenge: https://cdfinancial.org/checklist-challenge/
FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube
Newsletter: 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.

⏱ TIMESTAMPS
0:00 Intro to Roth Conversions & IRMAA
1:05 What IRMAA Means for Medicare Premiums
2:15 Income Thresholds & Medicare Surcharge Tiers
3:40 The 2-Year Lookback Rule Explained
5:10 Why Retirees Get Surprised by IRMAA
7:00 Common IRMAA Triggers (Withdrawals, Sales, RMDs)
9:30 Roth Conversions: Short-Term Cost vs Long-Term Gain
12:00 How Large Withdrawals Impact Medicare Costs
14:20 Strategic Planning to Reduce IRMAA Exposure
16:30 Building a Tax-Efficient Retirement Income Plan

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