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PODCAST

The Retirement Matters Show with Dale Smothers

Helping listeners Save Money, Plan Well and Live Happy™️ in retirement, one conversation at a time! Live YOUR retirement without compromise!

business investing

All Episodes

32:08

Episode 145: Know Where You Are Going

The Retirement Matters Show with Dale Smothers ·

2023/09/11

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 your way if you live long enough. Structuring this plan in a way where you know where you’re going is key-

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32:15

Episode 144: Don't Wait Too Late to Protect Income

The Retirement Matters Show with Dale Smothers ·

2023/09/01

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 EVERYTHING you've imagined it to be- we must have protection. Don't wait until the storm comes before you

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31:09

Episode 143: You have questions, we have the ANSWERS!

The Retirement Matters Show with Dale Smothers ·

2023/08/26

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 these answers may help you in your own situation! Tune in to today’s podcast to hear a team member of RDS

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31:25

Episode 142: Don't Put All Your Eggs In One Basket

The Retirement Matters Show with Dale Smothers ·

2023/08/18

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, how it could impact the stock market- the US stock market. From there we go into what you need to be

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32:30

Episode 141: What Goes Into a Retirement Plan

The Retirement Matters Show with Dale Smothers ·

2023/08/14

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 that good and they’re just handing it off to someone else who is! At the end of the day, you’ve got to

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32:34

Episode 140: Do I have enough money to retire?

The Retirement Matters Show with Dale Smothers ·

2023/08/04

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 plays inside your retirement INCOME plan. If 'do I have enough money to retire?' is a question you have

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31:34

Episode 139: Pay Less Tax in Retirement

The Retirement Matters Show with Dale Smothers ·

2023/07/21

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 very efficient in all five worlds. Just like most of the other episodes that we have on this podcast,

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32:56

Epsiode 138: How RISK Can Impact Your Portfolio

The Retirement Matters Show with Dale Smothers ·

2023/07/14

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 come true by building the proper income plan. Knowing exactly how risk will benefit us and what amount of

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32:12

Episode 137: Retire with and IRA not a 401K

The Retirement Matters Show with Dale Smothers ·

2023/07/07

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 doing if you are approching the age of 59 1/2, you are approaching retirement, or you have already

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31:05

Episode 136: How to Invest When You're Close to...

The Retirement Matters Show with Dale Smothers ·

2023/06/30

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 the show where he then brings back the analogy of- the closer you get to the end zone- those plays need

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31:56

Episode 135: 2 Steps Toward a Significant Retirement

The Retirement Matters Show with Dale Smothers ·

2023/06/23

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 jeopardize your chance at living a life of ‘significance’. The beginning of this episode is about

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30:58

Episode 134: How to know if an annuity is right for you

The Retirement Matters Show with Dale Smothers ·

2023/06/16

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 regarding that belief and because of that, Dale wants to provide clarity around our process at RDS Wealth and

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30:50

Episode 133: Don't Worry, Retire Happy

The Retirement Matters Show with Dale Smothers ·

2023/06/09

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 detail from his book Don’t worry, Retire Happy and Dale summarizes those steps today to make it easy

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31:03

Episode 132: The Social Security Decision

The Retirement Matters Show with Dale Smothers ·

2023/06/06

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 with you about Social Security and how it will affect your overall plan. Knowing when and how to take

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31:58

Episode 131: Questions From Listeners

The Retirement Matters Show with Dale Smothers ·

2023/05/26

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 of RDS Wealth (Whitney) as she brings a few questions to the table for Dale to address. Tip: It’s not

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31:30

Episode 130: Making the Social Security Decision

The Retirement Matters Show with Dale Smothers ·

2023/05/12

On this episode of The Retirement Matters Show, we spend a great deal of time discussing a very common but overlooked strategy called the spousal benefit when claiming social security. Knowing when and how to take social security is one of the most important choices you will face when you're retiring. You can't do this without putting this into a plan-you can’t make an accurate decision on just about anything without having a formal plan. We call that the base plan of record. From there, we can run

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32:02

Episode 129: The Steps To a Happy Retirement

The Retirement Matters Show with Dale Smothers ·

2023/05/08

On this episode of the Retirement Matters Podcast, we discuss ways to make your retirement a little bit easier. When you retire, you will be faced with several “next steps” to get you where you want to be. One way you can make those steps a little easier is by calling a firm that specializes in retirement income planning, like ours, RD Smothers Wealth Management. When you do this, rather than having to walk each step alone in your proverbial “staircase” towards retirement- it’s almost like calling

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32:23

Episode 128: The Decisions You Will Face When...

The Retirement Matters Show with Dale Smothers ·

2023/04/28

On this episode of The Retirement Matters Show, we talk about the specific and very unique decisions you will be making as you approach retirement. Especially as you’re getting ready to retire, there are some things you need to be thinking about and addressing that you've probably never considered before. They’re not financial at all. They’re more emotional. We talk about those closer to the end of the show. At the beginning of the show we talk about not comparing yourself-and that also being

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32:17

Episode 127: What Should Your Next Step Be?

The Retirement Matters Show with Dale Smothers ·

2023/04/24

In this episode of The Retirement Matters show, Dale discusses how there are multiple different tools you should be using to achieve your retirement success. He uses a golfing analogy to explain exactly how using the right tools in your retirement journey can be extremely important and If you’re not using the right tool, the chance of success is very slim. The backend of retirement is extremely specialized to what you need and that 5 years or fewer away from retirement should be a place where

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31:30

Episode 126: Investing correctly for YOUR retirement

The Retirement Matters Show with Dale Smothers ·

2023/04/14

In this episode of The Retirement Matters Podcast with Dale Smothers, Dale uses a golfing analogy to help you understand why it’s necessary to use different investment strategies as you progress along your retirement journey. Just as it’s necessary to switch from a driver to a putter once you have landed your ball on the green, it is equally as important for you to be using a different mindset and an entirely different set of investment tools as you get closer to your retirement date. Everyone

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245 results

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