The Retirement Matters Show with Dale Smothers

As America celebrates 250 years of independence, this episode explores another kind of freedom- financial independence in retirement . Learn why taxes can become one of your biggest retirement expenses, how poor tax planning can force retirees to pay far more than necessary, and why having a proactive retirement tax strategy is just as important as your investment plan. Discover the common mistake...

Taxes can quietly erode your retirement savings if you don't have a plan in place. On this episode of the Retirement Matters Podcast, Dale breaks down Roth conversions every pre-retiree should be thinking about- helping you keep more of what you've saved and avoid costly surprises down the road. He also weighs in on why chasing hot stocks like SpaceX isn't the same as having a real retirement plan...

Most people walk into retirement with a portfolio but no plan. On this episode of the Retirement Matters Podcast, Dale breaks down the Five Maps that RDS Wealth Management builds for every client and goes deep on two of them! Here's what's covered: The Income Map-  How to coordinate Social Security, pensions, and portfolio withdrawals so your paycheck never stops. The Investment Map- How to constr...

Some of the most common retirement advice out there is missing the mark and if you're nearing retirement or starting to picture what it looks like, it's worth a second look before you build your plan around it.  On this episode of the Retirement Matters Podcast, Dale breaks down the retirement "rules" worth rethinking: how to invest with confidence without giving up upside, how to plan your spendi...

The SpaceX IPO is coming and I'm here to tell you to pump the brakes before you get caught up in the hype. On this episode of the Retirement Matters Podcast, we break down why the SpaceX IPO is not your grandfather's IPO. Don't compare it to Apple. Don't compare it to Amazon. The fundamentals of how initial public offerings work have completely changed and if you're a retail investor expecting a m...

Our CEO, Dale Smothers joins Stuart Varney on Fox Business to break down the AI stock boom, Nvidia earnings, and the investment opportunities beyond the biggest tech names. In this interview, Dale explains why investors should look at the "picks and shovels" stocks powering the AI revolution, including semiconductor and infrastructure companies tied to artificial intelligence growth. He also discu...

Our CEO, Dale Smothers RICP, MBA joins Schwab Network to discuss potential stock market tailwinds. He says in order for the S&P 500 (SPX) to hit 8,000, AI demand must continue to spark optimism, oil prices cannot climb, earnings must grow, and investors must stay calm through summer volatility. Dale also talks about how to navigate the sell-off into this weekend and his expectations for market vol...

SpaceX may be one of the most anticipated IPOs in history, but our CEO Dale Smothers cautions investors against chasing headlines and hype. In this conversation with Lou Basenese, Dale shares why successful investing isn't about predicting the next big stock, but building a disciplined strategy that aligns with your long-term goals. From the rise of artificial intelligence and semiconductor stocks...

On this episode of the Retirement Matters Podcast, Dale Smothers breaks down recent national TV appearances and market commentary featured on Fox Business, CNBC, Yahoo Finance, Bloomberg, Schwab Network, NYSE TV, and more- all through the lens of retirement planning. If you're approaching retirement or already retired, this episode explains why protecting your wealth matters more than chasing mark...

On today's podcast of the Retirement Matters Podcast, Retirement expert  Tom Hegna joins Dale Smothers to discuss the retirement income strategies that help retirees create guaranteed lifetime income, reduce stress, and retire with confidence. In this interview, Tom explains: Why retirement is about income, not just assets How guaranteed lifetime income works The truth about annuities and retireme...

Dale Smothers joins Charles Payne on Fox Business how investors approaching retirement can navigate AI-driven market gains, avoid chasing returns, and protect their portfolios from volatility, inflation, and geopolitical risk. If you're within five years of retirement, now is not the time to chase high-flying AI stocks or take unnecessary risks.    In this discussion, Dale Smothers explains why pr...

Our CEO, Dale Smothers joins Stuart Varney on Fox Business to break down the AI stock boom, Nvidia earnings, and the investment opportunities beyond the biggest tech names. In this interview, Dale explains why investors should look at the "picks and shovels" stocks powering the AI revolution, including semiconductor and infrastructure companies tied to artificial intelligence growth. He also discu...

In this special sneak peek episode, Dale previews an upcoming in-depth conversation with renowned retirement expert  Tom Hegna . Known for simplifying complex financial and retirement planning topics seen on national TV and stages across the country, Tom shares powerful insights on retirement income planning, market risk, financial security, and why traditional growth-focused financial advice may...

Are you working with the RIGHT type of financial advisor for retirement? Most people don't even know there's a difference and it could be costing them thousands. In this episode of the RDS Wealth podcast, we go deeper than we ever have into the financial services industry- breaking down the three types of advisors, the truth about annuities, and exactly how to know if your advisor is truly working...

Dale joins Kerry Lutz to break down the Fed's latest decision to hold rates and what it really signals beneath the surface. With inflation still sticky, oil prices elevated, and the labor market holding strong, Dale explains why the Fed may be stuck and what that means for your portfolio going forward. From there, the conversation shifts global. Rising geopolitical tensions and energy dynamics are...

On today's episode of the Retirement Matters Podcast , we discuss why now is one of the most important times to review your retirement investment plan. Even with ongoing global uncertainty, rising inflation, volatility in the bond market, high oil prices, and geopolitical tensions, the market continues to hit all-time highs. We explain why reviewing your financial strategy during strong market con...

Are you getting real retirement advice- or just investment management? In this episode of the Retirement Matters Podcast , we break down what a true retirement advisor should actually be helping you with and why many people are unknowingly working with the wrong type of advisor. If you're nearing retirement or already retired, you shouldn't be left figuring out major decisions on your own. A compr...

On this episode of the Retirement Matters Podcast , we take a deep dive into our Risk On / Risk Off portfolio strategy  and why we believe it can be a powerful alternative to the traditional 60/40 portfolio . With today's markets becoming more volatile, many investors are questioning whether the old approach of balancing stocks and bonds still delivers the stability and growth they need for retire...

Welcome to another value-packed episode of the Retirement Matters Podcast! In today's episode, we're diving deep into the Retirement Atlas™, our exclusive, step-by-step retirement planning process designed to guide you through every phase of your retirement journey. What You'll Learn in This Episode: The Retirement Atlas Explained: Discover how our proprietary Retirement Atlas process helps you bu...

With rising geopolitical tensions and a volatile stock market, many investors are feeling uncertain about their next move. In this episode of the Retirement Matters Podcast, we break down what's really driving the recent market sell-off and how it could impact your retirement plan. Whether you're close to retirement or still years away, we cover what you should (and shouldn't) be doing with your p...

On this episode of the Retirement Matters Podcast, we dive into an article from Schwab's Financial Research Center written by Rob Williams, CFP®, who at the time served as Vice President of Financial Planning at Charles Schwab. Rob outlines the three most common mistakes retirees make, and we break down each one while sharing how you can avoid letting these pitfalls sneak into your retirement stra...

On this episode of the Retirement Matters Podcast, we break down the most important (and often overlooked) pieces of a successful retirement plan- especially as you approach the income phase. Many people believe retirement planning is all about investing… but the truth is, that's only one part of the equation. Today, we walk through how to build a complete, coordinated retirement strategy that goe...

Dale joins Stuart Varney on Fox Business to discuss one of the biggest questions investors are asking right now: Have we reached the market bottom and is it finally safe to buy? We dive into the recent tech stock selloff, including opportunities in companies that have dropped 20% or more, and why AI-driven stocks like Amazon may present strong long-term value. We also discuss why Microsoft may not...

On this episode of the Retirement Matters Podcast , we explore how economic forces- including oil prices and inflation-  can influence your retirement strategy and long-term financial plan. Many retirees focus primarily on investments, but successful retirement planning requires understanding how broader economic trends may affect your income, spending, and overall financial security . In this epi...

When planning for retirement, most people focus on investments- but the real challenge begins once retirement starts. On this episode of the Retirement Matters Podcast , we explain why Social Security planning, Medicare decisions, and tax strategy must work together in order to build a successful retirement income plan. Too often, retirees approach these areas separately: • Investments with a fina...