Episode Details

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:
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“Your FEHB doesn’t really get more expensive in retirement — it just changes from biweekly to monthly payments, and that simple shift trips up a lot of retirees.”

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🔗 LINKS MENTIONED
▶️ FEHB Open Season Video – How to compare plans: https://youtu.be/QvMDKfsFXLg
▶️ Survivor Benefit Explained – Why you need at least 25%: https://youtu.be/6FQ-ZFtrMZE

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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.

⌚️ Timestamps

0:00 – Introduction: Why FEHB Costs Look Higher
0:45 – The Real Math of FEHB Premiums
1:34 – Rising Costs and Inflation Impacts
2:18 – Open Season After You Retire
3:02 – How Association Plans Negotiate Lower Costs
3:42 – Premium Conversion: Losing Pre-tax Savings
4:24 – Special Provisions and the $3,000 Tax Credit
5:08 – The 5-Year Rule for Keeping FEHB
5:48 – Survivor Benefit Requirements
6:24 – Medicare Part B and Postal Retirees
7:06 – New Postal Rules and Medicare Enrollment
7:44 – Final Thoughts and Next Steps

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.

#FEHBinRetirement #FederalEmployeeBenefits #RetirementPlanning

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