The Retirement Matters Show with Dale Smothers

Dale Smothers
  • 4.2 (18)
  • Investing
  • 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. 7h ago

    How Often Should You Rebalance Your Retirement Portfolio?

    How often should you rebalance your retirement portfolio? And what does it really mean to maintain balance in retirement? On this episode of the Retirement Matters Podcast, we explore the importance of balancing your investments, managing market volatility, and creating a retirement strategy that goes beyond your portfolio.  When you're approaching retirement or already retired, maintaining the right investment balance becomes increasingly important. Market fluctuations can shift your portfolio away from your intended allocation, potentially leaving you exposed to more risk than you realize. Understanding when and why to rebalance can help you stay aligned with your long-term retirement goals. In this episode, we discuss:  What it means to maintain balance throughout retirement How often you should rebalance your retirement portfolio Why portfolio rebalancing matters during market volatility How investment allocations can shift over time Why retirement planning involves more than just investments If you're nearing retirement or already enjoying retirement, this episode offers helpful perspective on why your financial plan deserves ongoing attention and how portfolio balance fits into a thoughtful retirement strategy. 🎧 Listen to more episodes of the Retirement Matters Podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/the-retirement-matters-show-with-dale-smothers/id1567072310 📺 Subscribe to RDS Wealth on YouTube: https://www.youtube.com/@rdswealthmanagement 📍 Learn more about RDS Wealth and our approach to retirement planning: https://rdsmotherswealth.com/ At RDS Wealth, we believe every dollar needs a purpose. Our approach looks beyond investments to help coordinate retirement income, taxes, healthcare, and legacy planning as part of a comprehensive retirement strategy. Subscribe to Retirement Matters for more retirement planning tips, investment insights, market commentary, and conversations designed to help you prepare for the retirement you desire. #RetirementPlanning #PortfolioRebalancing #RetirementInvesting #RetirementMatters #RDSWealth   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. Oct 23

    Retirement Tax Planning: Protect Your Spouse's Cash Flow

    If you lost your spouse tomorrow, would your retirement cash flow still work? Whether you're approaching retirement or still years away, this week's Retirement Matters show is about getting a plan in place while you're both here. In this episode: How to think about the market right now, depending on how close you are to retirement Why tax planning inside your retirement accounts matters, and how it can lower your lifetime tax bill What changes to your income and cash flow when one spouse passes away, and which levers to pull Retirement income strategy, including Social Security selection Planning ahead for nursing home care so the house, the farm, and your savings can go to your loved ones Choosing Medicare supplement plans and reshopping your Part D coverage Ready to build your plan? Call 270.600.PLAN or visit rdsmotherswealth.com/contact. #RetirementPlanning #RetirementMatters #TaxPlanning #Medicare #SocialSecurity #RetirementIncome

  3. Oct 9

    "Are You Overpaying Your Financial Advisor? The Truth About Retirement Fees"

    You're paying for retirement advice, but do you know exactly what you're paying? Fees are one of the quietest drivers of how long your money lasts, and most people never look past the headline number. In this episode of the Retirement Matters Podcast, we break down: The different layers of fees you may be paying (advisory fees, fund expenses, and other costs) How to find those fees on your own statements Why a small difference in fees can add up over a 25- to 30-year retirement Questions to ask your advisor so you know what you're getting for what you pay Whether you're a few years from retirement or already there, knowing your costs is the first step to deciding if your plan is working for you. 📞 Ready to talk through your plan? Call 270.600.PLAN or visit rdsmotherswealth.com/contact #RetirementMattersPodcast #RetirementPlanning #RetireTheWayYouDesire #RDSWealthManagement 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.

  4. Oct 2

    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.

  5. 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.

  6. 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.

  7. 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.

  8. 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.

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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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