Retire Your Way with Dale Soutas

Dale Soutas
  • 0.0 (0)
  • Investing

Every week, Dale discusses pressing financial topics of the week, ranging from reliable income strategies to our financial markets, including Social Security, tax strategies, wealth management, RMDs, legacy planning, long -term care solutions and most importantly how to make sure you have enough guaranteed lifetime income to retire your way with choice and dignity from taxes to trends to total transparency...Dale covers it all. Hear thoughts/answers to common concerns & questions on retirement. Especially how to keep your focus on the more important things in life like: family, goals hobbies/interests rather than money. In-other words, how to have real confidence your income and money will last, keep up with inflation and tips on minimizing taxes along the way by having a retirement income plan designed around you. Create a lifetime “Pay Check” to pay the bills, a “Play Check” to do the fun things you desire and when things slow down a “Care Check” to provide care in your own home or some kind of assisted living ‘cruise ship on land’ and stay out of a nursing home if at all possible.

  1. 3d ago

    Can You Really Afford to Retire Common Money Mistakes That Could Delay Your Retirement

    Retirement isn't determined by a magic age or a certain amount of money—it's determined by having a well-designed plan. In this episode of Retire Your Way, Dale Soutas discusses some of the most common retirement mistakes he sees people make and explains why many families are much closer to retirement than they realize. Learn why inflation, taxes, healthcare costs, and investment risk all play important roles in determining when you can comfortably retire. Dale explains why simply accumulating money isn't enough and why creating dependable retirement income is the real goal. He also shares how customized retirement planning can help you replace uncertainty with confidence and peace of mind. Every retirement plan should be tailored to your unique goals, lifestyle, and financial situation—not someone else's online calculator. You'll also hear why trying to become completely debt-free before retirement isn't always the best strategy. Dale explains how paying off the wrong debts first, taking unnecessary withdrawals from retirement accounts, or waiting too long to begin planning can create costly financial consequences. Discover how inflation, Social Security timing, Roth conversions, and pension decisions all work together to determine your retirement success. Learn why dependable retirement income, a structured "paycheck," a "play check," and even a future "care check" can provide confidence throughout retirement. Whether you're five years away from retirement or already beginning to plan, this episode offers practical guidance that could help you retire earlier and enjoy life more fully. Stop guessing about retirement—and start building a plan that allows you to truly retire your way. #RetireYourWay #DaleSoutas #SoutasFinancial #RetirementPlanning #RetirementIncome #FinancialFreedom #SocialSecurity #InflationPlanning #RetirementReady #GuaranteedIncome #WealthManagement #FinancialAdvisor #CaliforniaRetirement #FresnoFinancialAdvisor #RetireWithConfidence Soutas Financial & Insurance Solutions 5740 North Palm Avenue  Suite 105  Fresno, CA 93704 Phone: 559.230.1648 Fax: 559.230.1651

    54 min

  2. 4d ago

    Protect Your Home from Long-Term Care Costs Estate Planning Mistakes That Could Cost Your Family Thousands

    One of the biggest fears retirees have is that long-term care expenses will force them to lose their home or spend everything they've worked so hard to save. In this episode of Retire Your Way, Dale Soutas explains why many of these fears are based on outdated information and how California's estate recovery rules have changed. Learn why a properly drafted living trust can help protect your home from probate while preserving valuable tax benefits for your heirs. Dale also discusses common estate planning mistakes that families unknowingly make—such as adding a child's name to a property title or failing to update beneficiary designations. These seemingly simple decisions can create unnecessary taxes, family conflicts, and expensive probate proceedings. Proper planning today can save your loved ones thousands of dollars and countless headaches tomorrow. You'll also discover why estate planning is much more than simply having a will. Dale explains the importance of trusts, blended family planning, special needs planning, and protecting inherited assets from future divorces or creditors. He discusses how retirement income planning should include provisions for future long-term care expenses without sacrificing your lifestyle today. Learn why every retirement plan should include a "care check," a "play check," and dependable lifetime income that allows you to enjoy retirement with confidence. Whether you're planning for yourself, aging parents, or your children, this episode provides practical strategies that can help protect your family and preserve your legacy. Don't leave your estate to chance—create a plan that gives you confidence and allows you to truly retire your way. #RetireYourWay #DaleSoutas #SoutasFinancial #EstatePlanning #LivingTrust #Probate #LegacyPlanning #LongTermCare #RetirementPlanning #CaliforniaRetirement #FinancialFreedom #ProtectYourHome #RetirementPodcast #FresnoFinancialAdvisor #WealthManagement Soutas Financial & Insurance Solutions 5740 North Palm Avenue  Suite 105  Fresno, CA 93704 Phone: 559.230.1648 Fax: 559.230.1651

    54 min

  3. 5d ago

    Retirement Myths That Could Cost You Thousands Separating Fact from Fiction

    For decades, retirees have heard the same financial advice—but today's retirement landscape has changed dramatically. In this episode of Retire Your Way, Dale Soutas tackles some of the biggest retirement myths that continue to mislead hardworking Americans. Discover why simply planning to work forever may not be realistic and how unexpected life events, layoffs, health issues, or family responsibilities can completely change your retirement timeline. Dale explains why every family needs a written retirement plan long before retirement arrives, giving you the flexibility to adjust when life throws you a curveball. He also discusses why relying solely on the stock market or outdated retirement rules could expose your nest egg to unnecessary risk during the most important years of your life. The goal isn't simply accumulating money—it's creating dependable lifetime income that gives you confidence and financial freedom. You'll also learn why spending less in retirement isn't always realistic and how inflation, healthcare expenses, travel, family, and hobbies often keep retirement expenses higher than expected. Dale explains why your retirement plan should include more than just a paycheck—it should include a "play check" to enjoy retirement and even a future "care check" for long-term healthcare needs. Learn why investment risk should change as retirement approaches and why the five years before and after retirement are among the most critical years for protecting your savings. Discover how personalized planning can help you maximize Social Security, reduce taxes, coordinate pensions, and avoid common financial mistakes that many retirees unknowingly make. Whether you're in your 30s just beginning to save or only a few years from retirement, this episode offers practical strategies designed to help you build confidence in your financial future. Stop relying on retirement myths—and start making informed decisions that allow you to truly retire your way. #RetireYourWay #DaleSoutas #SoutasFinancial #RetirementPlanning #RetirementMyths #RetirementIncome #FinancialFreedom #SocialSecurity #InvestmentStrategy #InflationPlanning #RetirementConfidence #CaliforniaRetirement #FresnoFinancialAdvisor #RetirementPodcast #GuaranteedIncome Soutas Financial & Insurance Solutions 5740 North Palm Avenue  Suite 105  Fresno, CA 93704 Phone: 559.230.1648 Fax: 559.230.1651

    54 min

  4. 5d ago

    Don't Be Afraid to Spend Your Retirement Savings Creating Income You Can Count On

    Many retirees spend decades saving for retirement but struggle with the transition from accumulating wealth to actually using it. In this episode of Retire Your Way, Dale Soutas discusses why so many people are afraid to spend their own retirement savings and how proper planning can eliminate that fear. Learn why retirement isn't about preserving every dollar but creating dependable income that supports the lifestyle you've worked so hard to achieve. Dale explains how guaranteed lifetime income strategies, Social Security timing, and careful planning can provide financial confidence throughout retirement. He also discusses why there is no universal "magic number" for retirement and why every financial plan must be customized around your personal goals and lifestyle. You'll also learn why many retirees unknowingly live a "just-in-case retirement," sacrificing experiences today because they're worried about future healthcare expenses or market uncertainty. Dale explains how proper estate planning, beneficiary reviews, and living trusts can protect your family while avoiding expensive probate mistakes. Discover why relying solely on investment returns can create unnecessary stress and how structured retirement income can provide greater peace of mind. You'll hear why retirement planning isn't just about investments—it's about taxes, income, legacy planning, and creating financial freedom. Whether you're approaching retirement or already retired, this episode offers practical guidance to help you enjoy the retirement you've earned with confidence. It's time to stop worrying about your money and start making your money work for you—so you can truly retire your way. #RetireYourWay #DaleSoutas #SoutasFinancial #RetirementIncome #GuaranteedIncome #SocialSecurity #RetirementPlanning #EstatePlanning #FinancialConfidence #RetireWithConfidence #LegacyPlanning #FinancialFreedom #CaliforniaRetirement #FresnoFinancialAdvisor #RetirementPodcast Soutas Financial & Insurance Solutions 5740 North Palm Avenue  Suite 105  Fresno, CA 93704 Phone: 559.230.1648 Fax: 559.230.1651

    54 min

  5. Jul 2

    Retirement Planning 101 Practical Steps to Build Your Plan Today

    Planning for retirement can seem overwhelming, especially if you feel like you're behind or unsure where to begin. In this episode of Retire Your Way, Dale Soutas explains why it's never too early—or too late—to start building a retirement strategy that fits your unique goals. Learn why retirement planning isn't about reaching a magic savings number but about creating dependable income that lasts throughout retirement. Dale discusses how personalized financial planning helps account for taxes, inflation, healthcare costs, Social Security, and estate planning. He also explains why regularly reviewing your retirement plan is just as important as creating one in the first place. You'll also discover why many retirees worry unnecessarily about whether they've saved enough and how proper planning often reveals more opportunities than expected. Dale shares practical guidance on Roth conversions, retirement income strategies, beneficiary planning, and avoiding costly probate mistakes. Learn why forgotten retirement accounts, outdated beneficiaries, and poor tax planning can significantly impact your financial future. You'll hear how small adjustments today can lead to greater financial confidence tomorrow. Whether you're five years from retirement or already retired, this episode provides practical steps you can take immediately. If you're ready to stop guessing and start planning, this episode is your roadmap to retiring with confidence, security, and peace of mind. #RetireYourWay #DaleSoutas #SoutasFinancial #RetirementPlanning #FinancialFreedom #RetirementIncome #SocialSecurity #TaxPlanning #EstatePlanning #RothConversion #FinancialAdvisor #Fresno #CaliforniaRetirement #RetireConfidently #WealthManagement Soutas Financial & Insurance Solutions 5740 North Palm Avenue  Suite 105  Fresno, CA 93704 Phone: 559.230.1648 Fax: 559.230.1651

    54 min

  6. Jun 28

    Should Your 401(k) Include a Pension What Every Future Retiree Needs to Know

    In this week's episode of Retire Your Way with Dale Soutas, Dale discusses a growing trend in the retirement industry as some of the nation's largest investment firms begin exploring pension-style income options inside employer retirement plans. While many workers have spent decades relying on 401(k)s, the conversation is shifting toward guaranteed lifetime income and whether retirees need more dependable retirement paychecks. Dale explains the important differences between traditional pensions, defined contribution plans, and lifetime income strategies. He discusses why retirement planning shouldn't simply focus on growing investments but instead on creating a reliable income that can withstand market volatility, inflation, taxes, and increasing longevity. Listeners will also hear why retirement planning should begin long before retirement itself. Dale explains his three-step retirement planning process—Discovery, Roadmap, and Implementation—and why understanding your retirement goals is just as important as understanding your investments. The episode also covers long-term care planning, helping aging parents, estate planning basics, trusts versus wills, retirement workshops, and why every family deserves a personalized retirement roadmap instead of a generic financial plan. Whether you're still working, approaching retirement, or already retired, this episode provides practical strategies designed to help you retire with confidence, security, and peace of mind. #RetireYourWay #DaleSoutas #RetirementPlanning #401k #PensionPlanning #GuaranteedIncome #RetirementIncome #FinancialAdvisor #EstatePlanning #LongTermCare #SocialSecurity #TaxPlanning #FresnoFinancialAdvisor #CaliforniaRetirement #SoutasFinancial Soutas Financial & Insurance Solutions 5740 North Palm Avenue  Suite 105  Fresno, CA 93704 Phone: 559.230.1648 Fax: 559.230.1651

    54 min

  7. May 22

    Retire Confidently: Protect Your Income, Plan for the Unexpected

    In this episode of Retire Your Way with Dale Soutas, Dale discusses why retirement planning is about much more than investment growth. Retirement should provide confidence, flexibility, and peace of mind — not constant worry about markets, taxes, inflation, or unexpected expenses. Dale explains the importance of creating dependable retirement income that can help support your lifestyle through changing economic conditions and longer life expectancies. He discusses how retirees should think about emergency savings, liquidity, market risk, and long-term care planning before leaving the workforce. Listeners will also hear insights about Social Security timing strategies, retirement income planning, tax-efficient financial strategies, estate planning basics, and why even financially healthy people should periodically review their retirement plans. The episode explores how many retirees unintentionally live a “just in case” retirement — avoiding travel, hobbies, or experiences because they fear running out of money. Dale shares how a properly designed retirement roadmap can help families enjoy retirement today while still protecting their future. Additional topics include: Market volatility and retirement risk Retirement paycheck, play-check, and care-check planning Emergency fund strategies Tax-efficient retirement income planning Long-term care considerations Protecting family assets from probate and unnecessary taxes Retirement confidence through planning and preparation Whether you are preparing for retirement or already retired, this episode provides practical strategies designed to help you retire your way with confidence and dignity. #RetireYourWay #DaleSoutas #RetirementPlanning #RetirementIncome #FinancialAdvisor #IncomePlanning #SocialSecurityPlanning #LongTermCarePlanning #WealthManagement #TaxPlanning #RetirementConfidence #GuaranteedIncome #FresnoFinancialAdvisor #CaliforniaRetirement #SoutasFinancial Soutas Financial & Insurance Solutions 5740 North Palm Avenue Suite 105 Fresno, CA 93704 Phone: 559.230.1648 Fax: 559.230.1651

    54 min

  8. May 22

    Retire Your Way: Building Income, Trust & Confidence in Retirement Planning

    This week on Retire Your Way with Dale Soutas, Dale discusses why retirement planning is about much more than investments and market returns. He explains the importance of building a retirement strategy centered around trust, lifestyle goals, and dependable lifetime income. Listeners will hear how personalized retirement planning differs from generic internet advice and why every retirement plan should be customized to the individual. Dale shares how his team helps retirees and pre-retirees create long-term income strategies designed to last through inflation, healthcare costs, and market volatility. The show also covers important retirement topics including Social Security timing, Roth conversions, annuities, tax-efficient income planning, and protecting assets from unnecessary taxes. Dale explains why millions of Americans continue moving money into annuities despite online criticism and breaks down the differences between fixed, indexed, and variable annuities. He also discusses how sequence-of-return risk can impact retirement savings and why protecting income matters just as much as growing investments. The episode emphasizes the importance of creating a complete retirement plan that includes paycheck income, play-check income for enjoyment, and care-check income for future healthcare needs. Whether you are years away from retirement or already retired, this episode provides practical guidance to help you gain confidence and retire your way. #RetireYourWay #DaleSoutas #RetirementPlanning #FinancialAdvisor #RetirementIncome #SocialSecurityPlanning #TaxPlanning #Annuities #GuaranteedIncome #FresnoFinancialAdvisor #WealthManagement #RetirementStrategy #LongTermPlanning #CaliforniaRetirement #SoutasFinancial Soutas Financial & Insurance Solutions 5740 North Palm Avenue  Suite 105  Fresno, CA 93704 Phone: 559.230.1648 Fax: 559.230.1651

    54 min
See All (78)

About

Every week, Dale discusses pressing financial topics of the week, ranging from reliable income strategies to our financial markets, including Social Security, tax strategies, wealth management, RMDs, legacy planning, long -term care solutions and most importantly how to make sure you have enough guaranteed lifetime income to retire your way with choice and dignity from taxes to trends to total transparency...Dale covers it all. Hear thoughts/answers to common concerns & questions on retirement. Especially how to keep your focus on the more important things in life like: family, goals hobbies/interests rather than money. In-other words, how to have real confidence your income and money will last, keep up with inflation and tips on minimizing taxes along the way by having a retirement income plan designed around you. Create a lifetime “Pay Check” to pay the bills, a “Play Check” to do the fun things you desire and when things slow down a “Care Check” to provide care in your own home or some kind of assisted living ‘cruise ship on land’ and stay out of a nursing home if at all possible.

Information