The Retirement Matters Show with Dale Smothers

On this episode of the Retirement Matters Podcast, we unpack what took place over the last couple weeks in the market and why it doesn't really matter. And to you as a retiree, or someone who's looking to invest money to be there for you in the future, whether that future is a couple of decades away, you should be making decisions and moves inside of these types of volatile markets based off of on...

On this episode of the Retirement Matters Podcast, we delve into what a healthcare plan can do for you if you have it, and what it will mean if you don't. At RDS Wealth, planning for your income isn't just an option; it's integral to your overall retirement plan. We believe in holistic planning, and as a firm, our goal is to assist clients in navigating key retirement decisions such as income, inv...

On this episode of The Retirement Matters Podcast, we jump into some specifics on ways to safeguard your investments- if you have seen a run up in the appreciation of your stocks that you own, a lot of times people will either want to pull that out and put it into cash or maybe some people think bonds are the way to go or CD's are the way to go, but if you still are fairly optimistic about the mar...

On this episode of The Retirement Matters Podcast, we dive into the specialty of retirement income planning and we are talking about an advisor who specializes in retirement! Specializing in retirement income phase is different than specializing in retirement growth phase. There are a lot of advisors out there who really have no specialty at all and then there are advisors who will help you establ...

On this episode of The Retirement Matters Podcast, we jump into why the market is doing what it's doing right now! The show was recorded on 14 June 2024 and aired all across audience from the 15th through the 17th. These shows are fairly timely and what's going on at this point in time in the market is a run of artificial intelligent stocks. We compare that to 1998, 1999 and then the .com crash th...

This weeks episode of The Retirement Matters Podcast, we go dive into what it means to retire with both a pension and 401(k)! There are a lot of people, specifically state workers who are retiring with both pensions and 401(k)'s. This is discussing the differences between those two and what you should be doing to set up your pension and your 401K correctly early on. Also, understanding that those...

On this episode of The Retirement Matters Podcast, we cover 3 keys topics that may impact your retirement journey! We disucss all the recent news around inflation and what it can mean for you, then we go into sequence of returns and volatility and how small timings of the market can be important for a retiree and, lastly we discuss a few things around Social Security and some miconceptions that ar...

On this episode of The Retirement Matters Podcast, we talk all about the baseline plan of record. A couple of weeks ago, we did a show where we reference the baseline plan of record-  and today we go through what it takes to build a true baseline plan of record for all five areas that you will face in retirement! Income planning, investment planning, tax planning, healthcare planning and legacy pl...

On this episode of the Retirement Matters Podcast, we cover a lot of different things that you are going to face in retirement! The three topics that we discuss are Number One: what is a Roth IRA, Number Two: what inflation is and how it can impact your retirement plan and Number Three: we discuss how volatility can impact your retirement plan and how we can help you make sure that those things ar...

We're back again with one of our favorite shows- a show where we answer questions from our listeners!  On this episode of The Retirement Matters Podcast, we have an array of questions that have come in over the last few months from the community involving several different scenarios and we like to answer those over the podcast because we believe that some of you may have similar questions and thes...

On this episode of The Retirement Matters Podcast, we go into a quick brain teaser that actually plays a little bit of a role into understanding the complexities of retirement planning. Deeper into the show, we discuss what consolidation is inside of retirement planning, and why it may make sense for you if you have worked in a lot of different places, you may find yourself with a lot of different...

On this episode of the Retirement Matters Podcast, we go into dividend investing, what it means in and a couple of myths around dividend investing. Things you need to be aware of before you go down that journey, and while we believe that it takes a lot more than just investing in strong dividends to make an income portfolio work, we talk a lot about the volatility of the stock market on this show...

On this episode of The Retirement Matters podcast, we make this show a little fun and discuss how retirement planning resembles March Madness! We use a little analogy on progression through the bracket, and how you should be progressing through your retirement years. Stay tuned to the end of the show-you're not gonna want to miss it! If you have questions or looking for guidance give our team a ca...

On this episode of the Retirement Matters Podcast, we jump into what Dale calls the Mr. Miyagi theory to retirement planning!  We have recently written an article that has been picked up by one of the nations leading financial publications, Kiplinger magazine, and in the process of publishing that article! The article is called The Risk on Risk off Portfolio! Something we called the Mr. Miyagi por...

On this episde of The Retirement Matters Podcast, we start with a very powerful positive focus and this positivity goes into a racing analogy that applies to life as well! We then go into discussing the highflying stock like Nvidia and whether or not a retiree should be partaking in those types of stocks in a well balanced retirement income plan. You don't want to miss this show! Stay tuned into t...

On this episode of The Retirement Matters Podcast, we dive into taxation and how it can impact your overall retirement plan! We list off some of the key TAXES that you may face during retirement and explain how mitigating those as much as possible sometimes requires it's own unique set of tools during the INCOME phase of your retirement journey- BUT, that's where RDS comes in! As you enter into re...

We're back again with one of our favorite shows- a show where we answer questions from our listeners!  On this episode of The Retirement Matters Podcast, we have an array of questions that have come in over the last few months from the community involving several different scenarios and we like to answer those over the podcast because we believe that some of you may have similar questions and thes...

On this episode of The Retirement Matters Podcast, we do a little bit of a deep dive around interest rates. We go very deep for a radio show and how there is a correlation between interest rates and price of bonds and we even give you a visual, but I hope you can see as you're listening to this on how those two relate to one another. We discuss the impact of what an interest-rate move up or down b...

On this episode of The Retirement Matters podcast, we discuss what is going on in the stock market right now, the last week of January 2024. We're seeing some all-time highs be reached in the stock market this month and with these all-time highs, perhaps there are some opportunities that lie inside of your retirement account- so we asked the question how is your retirement account looking after 20...

This episode of the Retirement Matters podcast, we talk to you about Roth IRAs. We take a minute to build up our explanation of why we believe taxes will increase, and why retirees should be planning for a higher tax environment when they retire in the future. With this knowledge, we make recommendations based off of a retirees goals. There are a lot of times, where CPAs or other advisors even may...

On this episode of The Retirement Matters Podcast, we have a very special guest joining us in studio- Mr. Andrew Smothers. Andrew is Dale's 7 year old son and he is so exicted to be joining us today! On this episode, Andrews youth- his innocence as a child is used to illustrate a few incredible things, even something that can be relatbale to you in the retirement world! Something that can sound re...

On this episode of The Retirement Matters Podcast, our objective is clear. Dale brings clarity to you around NOT chasing returns. We want to be sure that our listeners are not out seeking the highest rate of return possible without understanding exactly what it is they need the stock market to do for them, and with that we introduce a few stories and a couple analogies. Of course we do our pause f...

On this episode of The Retirement Matters Show, Dale brings education to you around 'reactions to the stock market' and what it can entail. Recently, there have been a lot of questions come our way regarding the market- wondering if they should act and get in now. Our goal in this show is to help educate the listener on whether or not they should be 'reacting' to what's going on in the market. Wit...

On this episode of The Retirement Matters Show with Dale Smothers, we're excited to bring to you our NEWER show called 'Best Of'! Dale brings to you the best versions of some of our favorite segments we've done throughout our podcast and he does a quick recap of them. If you're new to the show, this will be a great chance for you to learn what our show is all about and for some you, this will will...

On this episode of The Retirement Matters Podcast, we do a deep dive into the income plan, talk a little bit about the investment plan and then at the very end hit on our tax planning strategies for most retirees. Every retirement plan is built differently, because every retirement plan is unique to the individual we're building it for, however it's very imperative that an individual going into re...