The Retirement Matters Show with Dale Smothers

Dale Smothers
  • 4.2 (18)
  • Investing
  • Updated Weekly

About The Retirement Matters Show with Dale Smothers The Retirement Matters Show is your weekly guide to retiring with clarity, confidence, and purpose. Hosted by Dale Smothers, RICP® and fiduciary financial advisor and featured on Fox Business and Kiplinger- each episode delivers straightforward retirement planning strategies designed for pre-retirees and retirees who are serious about protecting and growing what they've worked a lifetime to build. Each week we cover the retirement topics that matter most: retirement income planning, Social Security strategies, tax-efficient withdrawal planning, investment strategy, annuities, Medicare, estate planning, and how to build a retirement plan that lasts. At RDS Wealth, we believe your retirement should be lived- not just survived. Our approach is simple: sit on the same side of the table as our clients, offer unbiased guidance, and build a strategy that fits your life. 📰 As featured in Kiplinger: Read Dale's full article on the Risk-On Risk-Off retirement strategy here: 👉 https://www.kiplinger.com/retirement/risk-on-risk-off-the-mr-miyagi-approach-to-retirement-planning Helping listeners Save Money, Plan Well and Living Happy™️ in retirement, one conversation at a time! Live YOUR retirement without compromise!

  1. 5d ago

    Are You Confident About Your Retirement? Here's a Gut Check

    If your advisor has never shown you a real income plan, walked you through Social Security, or talked about how taxes and Medicare fit into your retirement, it might be time for a second opinion. On this episode, Dale Smothers breaks down why growth-focused investing isn't enough once you're close to retirement, and why the transition into the income phase requires a completely different strategy than the one that got you here. Why growth-phase investing and income-phase investing are two different jobs What a real income plan actually includes Why Social Security, Medicare, and taxes all need to be part of the conversation How to know if it's time for a second opinion Not confident about your retirement plan? In 45 minutes to an hour, we can help you understand where you stand. Call 270.600.PLAN or visit rdsmotherswealth.com/contact. #RetirementMattersPodcast #RetirementPlanning #RetireTheWayYouDesire #RDSWealthManagement Save Money. Plan Well. Live Happy.™   DISCLOSURE: R.D. Smothers Wealth Management is a state-registered investment adviser under the laws of the Commonwealth of Kentucky. Registration as an investment adviser does not imply any level of skill or training. Insurance products and services are offered and sold through RDS Insurance Group. R.D. Smothers Wealth Management and RDS Insurance Group are affiliated but separate entities. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. For more information please visit: https://adviserinfo.sec.gov and search for our firm name. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future results.

  2. Sep 25

    Interest Rates & Your Retirement: What 2018 Can Teach Us About 2026

    Could today's interest rate environment be repeating some of the patterns we saw in 2018? On this episode of the Retirement Matters Podcast, we look back at the interest rate and market environment from 2017 through the fall of 2018 and compare it with what we've experienced from the beginning of 2025 through the fall of 2026. We explore the similarities between these two periods and discuss what changing interest rates and market conditions could mean for your retirement strategy. More importantly, we look at how your investments, retirement income, taxes, healthcare, and legacy planning need to work together as part of a comprehensive retirement plan. If you're approaching retirement or already retired, understanding how changing economic conditions could affect your financial plan is important. Tune in for insights that may help you think differently about your next steps. Listen to the full episode of Retirement Matters and learn more about building a retirement strategy designed around your individual goals. Book a complimentary review with our team: 270.600.PLAN | rdsmotherswealth.com/contact #RetirementMattersPodcast #RetirementPlanning #RetireTheWayYouDesire #retirement  Save Money. Plan Well. Live Happy.™   DISCLOSURE: R.D. Smothers Wealth Management is a state-registered investment adviser under the laws of the Commonwealth of Kentucky. Registration as an investment adviser does not imply any level of skill or training. Insurance products and services are offered and sold through RDS Insurance Group. R.D. Smothers Wealth Management and RDS Insurance Group are affiliated but separate entities. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. For more information please visit: https://adviserinfo.sec.gov and search for our firm name. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future results.

  3. Sep 18

    Year-End Tax Moves Every Retiree Should Know

    As we head toward year-end, there are a few things every retiree and pre-retiree should be checking off their list-  starting with taxes. In this episode, we break down tax-loss harvesting: what it means, how it works, and why now is the time to look at your portfolio positions. We also cover how taxes intersect with charitable gifting, income planning, and building a retirement plan that actually works together. What tax-loss harvesting means and how it works Why now is the time to review your portfolio positions How taxes and charitable gifting fit into your retirement plan What to check off your list before year-end Book a complimentary review with our team: 270.600.PLAN | rdsmotherswealth.com/contact #RetirementMattersPodcast #RetirementPlanning #RetireTheWayYouDesire #retirement  Save Money. Plan Well. Live Happy.™   DISCLOSURE: R.D. Smothers Wealth Management is a state-registered investment adviser under the laws of the Commonwealth of Kentucky. Registration as an investment adviser does not imply any level of skill or training. Insurance products and services are offered and sold through RDS Insurance Group. R.D. Smothers Wealth Management and RDS Insurance Group are affiliated but separate entities. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. For more information please visit: https://adviserinfo.sec.gov and search for our firm name. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future results.

  4. Sep 11

    Every Dollar Has a Job: Understanding Your Retirement Portfolio Risk

    Using Nvidia's most recent earnings report as a real-world example, Dale breaks down why it's so important to know exactly how much exposure you have to any single stock or sector in your portfolio  and why this matters just as much whether you're listening the week this aired or years down the road. The principle is simple but often overlooked: know what you own, understand why you own it, and make sure every dollar in your portfolio has a job. Why single-stock exposure can catch investors off guard How to evaluate sector concentration in your portfolio Why "know what you own" matters more as you approach retirement income How to build a plan where every dollar has a purpose Book a complimentary review with our team: 270.600.PLAN | rdsmotherswealth.com/contact #retirement #investing #RetirementMattersPodcast #RetirementPlanning #RetireTheWayYouDesire #RDSWealthManagement Save Money. Plan Well. Live Happy.™   DISCLOSURE: R.D. Smothers Wealth Management is a state-registered investment adviser under the laws of the Commonwealth of Kentucky. Registration as an investment adviser does not imply any level of skill or training. Insurance products and services are offered and sold through RDS Insurance Group. R.D. Smothers Wealth Management and RDS Insurance Group are affiliated but separate entities. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. For more information please visit: https://adviserinfo.sec.gov and search for our firm name. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future results.

  5. Sep 8

    The 5 Retirement Planning Areas You Need Before Taking Income

    Investing is only one piece of a real retirement plan. In this episode of the Retirement Matters Podcast, we break down why income planning, tax planning, healthcare planning, and legacy planning all have to work together with your investment strategy- not sit in separate silos- especially as you approach the retirement income phase. If you're getting close to retirement, this episode brings it all together in one place so you understand what each part of your plan is actually supposed to be doing for you. Why investing alone isn't a retirement plan How income, tax, healthcare, and legacy planning connect What "having it all work together" actually looks like Why this matters most as you approach the income phase Book a complimentary review with our team: 270.600.PLAN | rdsmotherswealth.com/contact #RetirementMattersPodcast #RetirementPlanning #RetireTheWayYouDesire #RDSWealthManagement Save Money. Plan Well. Live Happy.™   DISCLOSURE: R.D. Smothers Wealth Management is a state-registered investment adviser under the laws of the Commonwealth of Kentucky. Registration as an investment adviser does not imply any level of skill or training. Insurance products and services are offered and sold through RDS Insurance Group. R.D. Smothers Wealth Management and RDS Insurance Group are affiliated but separate entities. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. For more information please visit: https://adviserinfo.sec.gov and search for our firm name. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future results.

  6. Aug 28

    Is Your Retirement Advisor Actually Working for You?

    On this episode of Retirement Matters, Dale Smothers covers a wide range of topics retirees and pre-retirees need to hear right now- including how to know if your financial advisor is actually working in your best interest, what's happening in the bond market and how it could affect your retirement accounts in both the short and long term, and a breakdown of key tax considerations heading into retirement. Dale also shares the specific markers that signal you're truly ready to walk away from a stable paycheck and why so many people retire "okay" but never get the confident, fully-planned retirement they worked so hard for. 📞 Ready to build a plan you can walk into retirement with confidence? Call 270.600.PLAN or visit rdsmotherswealth.com/contact #RetirementMattersPodcast #RetirementPlanning #RetireTheWayYouDesire #RDSWealthManagement #retirement Save Money. Plan Well. Live Happy.™   DISCLOSURE: R.D. Smothers Wealth Management is a state-registered investment adviser under the laws of the Commonwealth of Kentucky. Registration as an investment adviser does not imply any level of skill or training. Insurance products and services are offered and sold through RDS Insurance Group. R.D. Smothers Wealth Management and RDS Insurance Group are affiliated but separate entities. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. For more information please visit: https://adviserinfo.sec.gov and search for our firm name. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future results.

  7. Aug 20

    Evening Edition Fox Business: How to Enter Retirement With Financial Confidence

    Americans now estimate they need a record $1.46 million to retire comfortably by age 65. Financial coverage highlights that 46% of U.S. adults feel unprepared, and impending Social Security trust fund shortfalls add urgency to personal savings strategies. With rising costs of everything, making smart money moves have become more important than ever. Dale Smothers, founder of R.D. Smothers Wealth Management, joins Tonya Powers with the Evening Edit at Fox Business to share his best advice on how to enter your retirement in the best financial standing you can! To speak with our team at RD Smothers Wealth Management: 📞 270.600.PLAN or schedule a complimentary 15 minute call below! 🌐 rdsmotherswealth.com/contact   #RetirementPlanning #HomesteadExemption #investing #foxbusiness #TaxStrategy #RetirementIncome  Retire the Way You Desire™   DISCLOSURE: R.D. Smothers Wealth Management is a state-registered investment adviser under the laws of the Commonwealth of Kentucky. Registration as an investment adviser does not imply any level of skill or training. Insurance products and services are offered and sold through RDS Insurance Group. R.D. Smothers Wealth Management and RDS Insurance Group are affiliated but separate entities. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. For more information please visit: https://adviserinfo.sec.gov and search for our firm name. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future results.

  8. Aug 17

    How to Retire Confidently- and Save on Kentucky Taxes

    Are you afraid of running out of money in retirement? In this episode of the Retirement Matters Podcast, Dale Smothers tackles that fear head-on- and share why having the confidence to actually spend what you've saved is just as important as saving it in the first place. Plus: a Kentucky-specific tax strategy every retiree should know about- the state retirement income exclusion. If you live in Kentucky, this could save you real money. Not in Kentucky? Many other states offer something similar, and RDS Wealth Management works with clients nationwide to find the strategies that fit your state and situation.   Want to know how the homestead exemption and other tax strategies apply to your own retirement plan? 📞 270.600.PLAN or schedule a complimentary call below! 🌐 rdsmotherswealth.com/contact   #RetirementPlanning #HomesteadExemption #PropertyTaxes #KentuckyRetirement #TaxStrategy #RetirementIncome #investing Retire the Way You Desire™   DISCLOSURE: R.D. Smothers Wealth Management is a state-registered investment adviser under the laws of the Commonwealth of Kentucky. Registration as an investment adviser does not imply any level of skill or training. Insurance products and services are offered and sold through RDS Insurance Group. R.D. Smothers Wealth Management and RDS Insurance Group are affiliated but separate entities. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. For more information please visit: https://adviserinfo.sec.gov and search for our firm name. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future results.

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4.2
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About

About The Retirement Matters Show with Dale Smothers The Retirement Matters Show is your weekly guide to retiring with clarity, confidence, and purpose. Hosted by Dale Smothers, RICP® and fiduciary financial advisor and featured on Fox Business and Kiplinger- each episode delivers straightforward retirement planning strategies designed for pre-retirees and retirees who are serious about protecting and growing what they've worked a lifetime to build. Each week we cover the retirement topics that matter most: retirement income planning, Social Security strategies, tax-efficient withdrawal planning, investment strategy, annuities, Medicare, estate planning, and how to build a retirement plan that lasts. At RDS Wealth, we believe your retirement should be lived- not just survived. Our approach is simple: sit on the same side of the table as our clients, offer unbiased guidance, and build a strategy that fits your life. 📰 As featured in Kiplinger: Read Dale's full article on the Risk-On Risk-Off retirement strategy here: 👉 https://www.kiplinger.com/retirement/risk-on-risk-off-the-mr-miyagi-approach-to-retirement-planning Helping listeners Save Money, Plan Well and Living Happy™️ in retirement, one conversation at a time! Live YOUR retirement without compromise!

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