Retire Your Way with Dale Soutas

Beyond the Portfolio: Planning for Your Whole Retirement A retirement plan works best when income, taxes, health care costs, investments, and family wishes are considered together. Dale Soutas begins with questions from his recent Women, Wealth & Wisdom event in Fresno. Attendees wanted to know how to make their income last and prepare for a longer retirement. Dale explains why a market loss n...

Welcome to Retire Your Way with Dale Soutas. When people hear the phrase “financial power moves,” they may picture someone in their 20s or 30s aggressively building wealth. But some of your most important financial decisions can happen in your 40s, 50s and 60s. Should you restructure your business? Are you building retirement savings outside your company? Should you consider Roth contributions? Ho...

Retirement planning isn't about finding one universal answer—it's about understanding your complete financial picture before making major decisions. In this episode, Dale Soutas uses real client situations to explain how Roth accounts, retirement income, taxes, inheritances, trusts, annuities, RMDs, and investment risk can work together in a personalized retirement strategy. Retirement questions r...

Inflation may not create the dramatic headlines that a stock-market crash does, but over a 25- or 30-year retirement, its effects can be just as serious. This episode focuses on building a retirement plan designed to keep pace with rising costs while also addressing longevity, healthcare, taxes, Social Security, dependable lifetime income, and the unique financial challenges women can face in reti...

Social Security, Taxes, Medicare, Investments & Where You'll Live This episode is really about the major decisions retirees need to get right. It opens with Social Security timing and then works through retirement accounts, investment risk, taxes, Medicare and even where you'll live during retirement. Retirement comes with some big decisions—and many of them can affect your finances for the re...

Working Longer, Saving More, Still Not Enough? The Retirement Fears Keeping Americans Up at Night This episode is built around a survey of more than 10,000 Americans, with more than 60% saying they worry they could work into their retirement years and still not have enough money to meet their needs. his week on Retire Your Way, Dale Soutas looks at a question millions of Americans are asking: “Hav...

The 70%–90% Retirement Risk: Are You Prepared for Long-Term Care? Protecting Your Savings, Independence & Legacy Before a Care Crisis Happens Most people spend years preparing financially for retirement—but one of the biggest potential expenses is often overlooked: long-term care. In this episode of Retire Your Way, Dale Soutas discusses why long-term care should be part of a complete retireme...

No two retirement plans are exactly alike, which is why personalized financial advice matters. In this episode of Retire Your Way, Dale Soutas shares real-life retirement planning conversations with families who recently reached out for guidance. Learn how one couple discovered a Social Security strategy that could significantly increase their household income by coordinating disability benefits w...

Life has a way of changing our plans, often when we least expect it. In this episode of Retire Your Way, Dale Soutas discusses how major life events—from career changes and layoffs to losing a spouse or receiving an inheritance—can significantly impact your financial future. Learn why retirement planning isn't something you create once and forget, but rather a living strategy that should adapt as...

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 imp...

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 f...

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 responsib...

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 su...

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...

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 de...

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 cha...

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 s...

In this episode of Retire Your Way with Dale Soutas, Dale tackles some of the biggest retirement questions Californians are facing right now. From deciding whether to retire early or work a few more years, to understanding how lifestyle goals impact retirement planning, this show is packed with practical insights. Dale explains why retirement isn’t just about investments—it’s about creating a life...

Retirement should bring peace of mind—but for many, it brings more questions than answers. In this episode of Retire Your Way with Dale Soutas, we dive into the real concerns that keep retirees and pre-retirees awake at night. From market volatility and rising inflation to healthcare costs and outliving your savings, these are the issues that matter most. Dale explains why having a structured reti...

In this episode of Retire Your Way, Dale Soutas dives into one of the most important—and misunderstood—areas of retirement planning: taxes. With real-life examples, Dale explains how strategic Roth conversions and proper tax planning can help retirees reduce long-term tax burdens and keep more of their hard-earned money. He breaks down how tax brackets actually work, why timing matters, and how ma...

In this episode of Retire Your Way, Dale Soutas explores a powerful concept—asking the right questions may be more important than having the right answers. Many retirees focus on outcomes, but true planning begins with understanding what you don’t know. Dale breaks down real-life scenarios like losing your home and whether your insurance would truly cover everything, while explaining why documenti...

In this episode of Retire Your Way, Dale Soutas breaks down the retirement issues California families are facing right now. He explains why tax season should be about more than simply lowering this year’s tax bill and why long-term tax planning matters just as much. Dale also discusses how global conflict and market volatility can create fear-based financial decisions that may hurt retirees and pr...

Are Americans retiring later—and should you delay Social Security while you’re still working? Plus: real-life case studies (business-owner transition + health changes), and updated long-term care / Medi-Cal planning concepts. Americans are retiring later than they used to, but many still want to claim Social Security as early as possible. In this episode, Dale explains why timing matters—especiall...

This episode is about “Olympic-level” retirement decisions—ranking common strategies as gold, silver, or bronze so you can avoid costly mistakes and retire with confidence. Dale Soutas and the host kick things off with a fun Winter Olympics theme, comparing retirement choices to the pressure of a ski jump. Dale explains why reducing risk before retirement is often a gold medal move, especially as...

This episode is about the “not-so-silent” risks that can quietly sabotage retirement—until they suddenly become impossible to ignore. Dale Soutas explains why longevity is a blessing that also magnifies every other retirement risk. Retirement can last 30–35 years, so your plan must account for rising costs, healthcare needs, and inflation over time. Dale shares why you don’t need to feel anxious a...