The Retirement Matters Show with Dale Smothers

On this episdoe of the Retirement Matters Podcast, Dale talks with you about the baseline plan of record! We did a show recently where we reference the baseline plan of record and today he brings this to you in detail. He goes through what it takes to build a true baseline plan of record for all five areas that you will face in retirement including: investment planning, tax planning, healthcare pl...

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 Show with Dale Smothers, we're excited to bring to you a brand NEW 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 wi...

On this episode of The Retirement Matters Podcast, Dale brings to you a really neat analogy of how the market works. He talks about a five sided coin! We know this coin has a certain number of heads and a certain number of tails, and just because you get a bad flip every so often doesn't mean you stop playing the game. Especially since the odds are so much in your favor. The stock market works ver...

On this episode of The Retirement Matters Podcast, Dale talks with you about a 72T and a rule of 55 distribution. These two distributions are both used for the same purpose but in different applications. They're both designed to allow you to get to your money earlier than 59 1/2 but without penalty. However, both of them should be considered a last alternative if it all possible.  Whether or not t...

On this episode of The Retirement Matters Show, Dale talks with you about exactly what it means when you see a percentage rate of return, followed by APY. This becomes very important for savers, especially now as interest rates begin to climb into the fives and even the sixes on some short term investment vehicles that we're seeing out there! You will see these investment 'vehicles' or contracts t...

On this episode of The Retirement Matters Show with Dale Smothers, Dale tells you a story of a time that he and his family went to Disney World where they were left without a map and the result of that visit to Disney World was not as optimal as it would've been had they had a map! He relates that story to retirement planning and explains the importancy of a map and a plan during retirement! That'...

On this episode of The Retirement Matters Podcast, Dale discusses something with you that is near and dear to his heart. Our ATLAS. RDS Wealths process that we take every single retiree through.. starting with your income planning, follwowed by investment planning, tax planning (how we can save you money in taxes in retirement), healthcare planning and lastly, legacy planning (making sure that mon...

On this episode of the Retirement Matters Podcast, Dale explains how important a MAP can be during retirement by using parallels to a story based around Disney World! During the retirement income phase, it will be difficult to live an optimal retirment and know exactly where you'll end up while being free of worry without a MAP! There are a lot of decisions to make during this phase and any wrong...

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, Dale talks about the number one question you need to know the answer to and that is how much income will you need in retirement!   From there, a good retirement advisor should be able to structure a plan that not only tells you how long that money will last, but perhaps maybe even save you from some major market corrections that are sure to come y...

On this episode of The Retirement Matters Podcast, Dale goes into two stories- the first one being about a positive mindset and inward reflection. Always making sure that you're helping people in the right way! The second story brings an analogy between a car battery pack and the protection you need you need to put on your income during retirement years! In order to make sure your retirement is EV...

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 use a lot of analogies for a lot of different things. We start with a pause for positivity all about letting go of your troubles and your problems. It's a powerful tool to use. If it's not for you today it will be for you at some point in your life! We talk about the looming possibility of a major setback in the commercial real estate market, h...

On this episode of The Retirement Matters Podcast, we bring to you the definition of holistic planning. Our goal with this episode is to show you exactly what it means to have a comprehensive plan as opposed to just a portfolio of stocks, bonds and mutual funds. A lot of people are working with advisers along their retirement journey who are really good at picking the stocks or maybe they're not t...

On this episode of The Retirement Matters Podcast, Dale brings some clarity around one of the most popular questions, 'Do I have enough money to retire?' He gives guidance on how to find the answer to that question and what it means to have a 'cash flow analysis' for your own personal retirement journey. Dale explains in detail what a cash flow analysis should look like and what a pivitol piece it...

On this episode of the Retirement Matters Podcast, Dale comes to you with the understanding that Roth conversions could very easily help you in the tax planning category of your retirement plan! At the end of this episode, after spending a lot of time on taxation, he actually hits very strongly, the other five worlds of retirement income planning in addition to tax planning, and why you have to be...

In this episode of The Retirement Matters Show, Dale talks to you about a frightful, four letter word... RISK. Risk is a particular word that can be detrimental to a lot of retirees who have not built a plan. It is the fear that we hear about when starting to build a plan with a lot of retirees, but if used correctly, it could be exactly what we use inside of the plan to make all of our dreams com...

On this episode of The Retirement Matters Podcast, Dale discusses whether or not you should be in a 401(k) when you retire. It is very unlikely that people should be retiring with all of their money in a 401(k)- most of us will need to employ an IRA instead! Dale is going to talk to you about 401k's, about the pros and cons, how they started, when they started, why they started and what you should...

On this episode of the Retirement Matters Podcast, Dale brings to you the information you need on how to invest wisely and what your mindset needs to be the closer you get to your retirement destination! He uses an analogy of football a lot on this show and he brings it back full circle by asking a question at the beginning of the show. This trivia question is answered around the second section of...

On this episode of the Retirement Matters Podcast, Dale brings to you a recent radio show he did from a few weeks back where he discussed 2 main things you need to be looking at in your retirement journey, especially as you get closer to the date of retirement! Dale talks often about the growth and income phase - and how working with the wrong person or the wrong firm during the 'income' phase can...

On this episode of The Retirement Matters Podcast, Dale shines a little bit of light and brings clarity to the topics discussed in LAST weeks show with financial expert- Tom Hegna. Take a listen to last weeks show if you haven't already! Last week you heard Toms belief around an OPTIMAL portfolio and how it should always include an annuity. We've received numerous phone calls and messages regardin...

On this episode of the Retirement Matters Show, we have something exciting in store for you! Dale plays a few clips and speaks around a podcast recorded a couple weeks ago where he had the honor of speaking with a very influential individual in the retirement income planning space, Tom Hegna- a retirement expert, author and speaker. (We will launch that full podcast soon). Tom breaks down 5 steps...

In this episode of the retirement matters show, Dale talks about the importance of setting down with an INCOME advisor and what it means to have a strategic plan built for your retirement journey. One of the largest key pieces to a true retirement income plan is Social Security and there will come a time where you will need to begin (if not already) working with an income specialist that talks wit...

We're back again with another episode of answering 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 with all the market volatility and we've decided to answer those over the podcast because we believe that some of you may have similar questions. Tune in to today's podcast to hear a team member...