Retire Your Way with Dale Soutas

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 In this episode of Retire Your Way, Dale Soutas explains why many of these fears are based on outdated information and how California's estate recovery rules have changed.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...

Retirement today is not the same as it was 30, 40, or 50 years ago—people are living longer, and that changes everything. On this episode of Retire Your Way with Dale Soutas, Dale and Spike break down what “longevity planning” really means for your money. They discuss how life expectancy has climbed since Social Security began—and why that creates new pressure on retirement income plans. You’ll le...

Kick off the new year with a practical retirement “reset” that helps you build momentum fast. Dale Soutas and host Spike Spangle share simple goal-setting ideas that actually stick beyond January. You’ll hear what’s changing at Soutas Financial & Insurance Solutions, including a move to a larger Fresno office designed to better serve clients. Then the conversation turns to the real stuff—how y...

This episode of Retire Your Way with Dale Soutas is built around real case studies and the kinds of retirement questions people ask every day. Dale walks through how retirees can turn savings and investments into a steady income stream without relying on guesswork. You’ll hear what matters first—monthly spending needs, bill-pay income, and the “play check” that funds the lifestyle you actually wan...

In this episode of Retire Your Way with Dale Soutas, we dive into: Retirement isn’t just a numbers game, and it’s not won by chasing a single “target” account balance. In this episode, Dale Soutas explains why the best plans start with your lifestyle, your priorities, and the people you want to spend time with. You’ll hear the powerful question that changes everything: If money weren’t a factor, h...

In this episode of Retire Your Way, Dale Soutas explains why retirement is far more than just a financial decision, using the picture of building a dream home to help you think through what your “perfect day” in retirement really looks like. He talks about purpose, health, travel, hobbies, volunteering, and time with family as key fabrics that are woven together into a meaningful retirement, and h...

In this episode of Retire Your Way, Dale Soutas and Spike dive into the end-of-year retirement checklist and why your required minimum distributions (RMDs) matter more than ever. Dale explains how the RMD age has changed, how your December 31st balance drives what you must withdraw, and what happens if you stubbornly refuse to take your distribution. You’ll hear real-life examples of retirees faci...

On this episode of Retire Your Way, Dale Soutas and Spike kick things off with a lighthearted debate about cash, pennies, and whether Gen Z really thinks cash is “cringe.” From there, they pivot into something far more serious: why we may be living through some of the lowest tax rates we’ll ever see and what that means for your retirement. Dale walks listeners through real-life conversations with...

Retire Your Way with Dale Soutas…Episode Highlights… Many retirees ask, “How much do I need to retire?”—but the better question is how to turn savings into income that lasts. Dale Soutas explains why long-term care planning is essential, as approximately 70% of people aged 65 and older will require some form of care. Instead of paying dollar-for-dollar, Dale outlines strategies to “leverage” your...

In this episode of Retire Your Way with Dale Soutis, Dale and Spike dig into a surprising trend: Americans — including California state and federal workers — are delaying their own retirement even when they don’t have to. Dale explains why some listeners in their late 50s and even under 60 are already asking, “Can I retire in 1–5 years?” while others are stuck in fear. We talk about rising costs,...