The Retirement Matters Show with Dale Smothers

Should you roll your 401(k) into an IRA? There are some things that you should know about your 401(k) before you make that decision. Dales outlines the top four considerations that should be made when asking "should I roll my 401(k)?" DISCLOSURE: R.D. Smothers Wealth Management is a state registered investment adviser under the laws of the Commonwealth of Kentucky. Registration as an investment ad...

To retire happy you must know what retirement means to you, know how much money you will need to make that dream a reality, know the twists and turns on this road to retirement, and finally, you must know how fast you need to drive to get there on time and safe! This episode is discussing ways you can drive slower (safer) and still arrive at your destination... The retirement you have always dream...

Every plan is different but in our decade of experience we have found that almost all plans are comprised of both a defensive and an offensive playbook. In this episode titled "X's and O's" Dale discusses what a retirement plan should look like for anyone from 30+ years out to 1 year out from retirement, and anywhere in between. DISCLOSURE: R.D. Smothers Wealth Management is a state registered inv...

Sometimes "Retirement" may seem more like a mine field. The good news is, Dale and our team are ready to help you navigate your way around the land mines you may encounter. 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...

Dale sits down to talk about everything from his family to the Firm's new office space, drawing parallels to finical planning, all along the way. 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. I...

Saving for Retirement can be as easy as using smaller plates! How? Dale will explain in this episode of The Retirement Matters Show. We will spend everting we make- its human nature. Adjusting what you "make" is the key to spending less for some people. Spending less now means you have more for the future. Save Money. Plan Well. Live Happy! DISCLOSURE: R.D. Smothers Wealth Management is a state re...

This journey we call LIFE is a beautiful thing. At R.D. Smothers Wealth Management we help clients establish a plan that will allow them to take their eye off the fuel gage and enjoy the scenery that is passing them by! Listen to this weeks episode of The Retirement Matters Show to see exactly what we mean by that. DISCLOSURE: R.D. Smothers Wealth Management is a state registered investment advise...

What is a stock split? How does a stock split impact a companies value? Should you buy a stock just because It has announced a split? Are splits always good? Are they always bad? You have questions- We have the Answers. Dale Explains what a stock split is, why you should care, and why you probably don't want to "chase the split" if you are investing for a retirement income for the future. Helping...

As a retiree, or one who is approaching retirement, you may be looking for advice on how to properly structure a retirement plan. In this episode of Retirement Matters we pull back the curtain on some of the marketing campaigns targeting people just like you and the money you have! Don't be SOLD! be sure you know that the person you are working with is working for YOU and not for the firm/company...

On this episode of Retirement Matters, Dale explains why anyone looking to retire in the near future MUST know the following 4 things: 1) Your Dream 2) Your Number 3) Your GAP 4) Where you can find HELP 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 o...

Dale brings you PART TWO from his recent video interview with the well known retirement researcher, Wade Pfau Ph. D CFA, RICP. Dr. Pfau has advanced the art and science of retirement planning for years and in his recent book "Safety First Retirement" he explains how to make a retirement account more efficiently built to generate income, provide liquidity, and leave behind a legacy. If you are look...

Dale brings you a few highlights from his recent video interview with the well known retirement researcher, Wade Pfau Ph. D CFA, RICP. Dr. Pfau has advanced the art and science of retirement planning for years and in his recent book "Safety First Retirement" he explains how to make a retirement account more efficiently built to generate income, provide liquidity, and leave behind a legacy. If you...

Sometimes its difficult to make a decision on what to do with your 401(k) after leaving your place of employment. Perhaps you have recently changed jobs, retired, or been laid off. Dale seeks to shine some light on things you should be considering when looking for the advisor to help you roll this account over, avoiding taxes and unnecessary fees in the process. Call us if you would like for RDS W...

Ep. 17- Oh, Behave! by Dale Smothers 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 aff...

Ep. 16- LIVE HAPPY by Dale Smothers 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 affi...

Dale sits down with a seasoned estate planning attorney, Mr. John Bertram of Bertram, Cox & Miller [http://www.bcmllp.com], to discuss all things estate planning. Uncovering the need, common misconceptions, general questions, and things to avoid when doing proper estate planning. Our goal with this episode is to get the estate planning conversation started. We hope that you find this episode infor...

Dale discusses the headwinds that many investors will face in their fixed income portion of their retirement portfolio. This episode is based around Wharton's Jeremy Siegel delivering a warning to bond holders. He argues that total return may struggle as we see interest rates rise in the future. At R.D. Smothers Wealth Management we subscribe to this same ideology and lean on the power of annuitie...

Dale discusses the difference between trading a stock and investing in a stock. Which one is best for retirement planning? Dale also discusses an academic perspective of what to expect from bonds for the next decade and what alternatives we should consider if investing for income. DISCLOSURE: R.D. Smothers Wealth Management is a state registered investment adviser under the laws of the Commonwealt...

The year 2020 has been a year full of surprises this far, but there are still steps that you can take to better your positions on the journey to retirement. Dale lays out three things that need to be on your "To DO" list to ensure that your retirement plan stays on track after being affected by COVID-19. DISCLOSURE: R.D. Smothers Wealth Management is a state registered investment adviser under the...

Dale interviews Ms. Sharon Johnson from the Small Business Administration to gain clarification and provide insight on the Paycheck Protection Program (PPP). 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 s...

In this episode Dale the current market conditions and how to approach them based on where you are in your retirement journey. If you are in the retirement RedZone you need to be certain that your income will be stable, if you're more than 10 years to retirement, stop watching the scoreboard and stick to your plan! Don't have a plan? call us- 270.600.PLAN Dale briefly discusses the new SBA Payroll...

Recorded 3/21/2020- The Coronavirus pandemic has turned our world upside down. How will your retirement plan be affected? Whether you are looking for safety of your initial investment, income from your investment, or looking to take on the risks necessary to help make your money grow, Dale will discuss how you can take steps to better position your investments to achieve those goals. If you would...

Having the potential for stock market gains without the chance of stock market losses... sounds too good to be true, doesn't it? The good news is, it is possible inside of a product called the Fixed Indexed Annuity. The bad news is, there are a lot of insurance sales people who are pushing annuities as the only wise investment, and they have no business OR license to be discussing "investments". T...

Your retirement plan has just been PUNCHED IN THE FACE with COVID-19. How will it hold up? Dale discusses how our retirement clients are able to be worry free in these times of market recession, knowing that their income is secure and that the stock market is not something they have to rely on to make that happen. If you would like to discuss your retirement plan with us, we would like to discuss...

Recorded 3/28/2020, amid the COVID-19 pandemic, Dale seeks to bring rational thought, optimism, and hope to your situation. Dale will discuss opportunities that are presenting themselves during this time of market volatility, no matter where you are in your retirement journey. If you're looking in the right place, this time of fear for many may actually be a great opportunity for you to better pre...