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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!

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All Episodes

32:47

Episode 226: What a Cruise Can Teach You About...

The Retirement Matters Show with Dale Smothers ·

2025/08/22

On this episode of the Retirement Matters podcast, we have a little fun drawing parallels between going on a cruise and preparing for retirement. From the importance of having a plan (or itinerary), to the value of having more than just a captain steering the ship, we explore how retirement planning can benefit from the same structure, foresight, and support that make a cruise successful. We also talk about things like reducing the impact of financial "waves" and why it's helpful to have a team

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32:03

Episode 225: The Importance of a Plan for Income,...

The Retirement Matters Show with Dale Smothers ·

2025/08/15

On this episode of the Retirement Matters Podcast, we explore why having a well-crafted income plan, tax plan, and investment plan plays an important role as you enter or approach retirement. For those age 59 and above, transitioning into the retirement income phase involves a different set of challenges than during the accumulation years. The climb up the mountain (your growth phase) is only half the journey; coming down safely requires a different mindset, careful planning, and often, the guidance

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32:37

Episode 224: Why Planning for Health Care in...

The Retirement Matters Show with Dale Smothers ·

2025/08/08

On this episode of the Retirement Matters Podcast... We take a deep dive into one of the most critical yet often underestimated components of retirement planning: health care. At RDS Wealth, we approach retirement planning through our Retirement Atlas™, which outlines five key areas of focus: Income, Investments, Taxes, Health Care, and Legacy. This episode focuses specifically on the Health Care component of that framework, and why it’s essential to have a strategy in place for managing

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29:55

Episode 223: Key Retirement Decisions at 55, 59½, and...

The Retirement Matters Show with Dale Smothers ·

2025/08/01

On this episode of the Retirement Matters Podcast, we’re diving into critical retirement planning strategies—from when to take Social Security to how you may be able to take control of your 401(k) before you retire. We’ll also break down how required minimum distributions (RMDs) can impact your plan and what to consider well before they apply. In this episode, we cover: Options for accessing or managing your 401(k) before retirement Important retirement age milestones and what decisions to make

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34:03

Episode 222: Retiring with Enough: What It Really...

The Retirement Matters Show with Dale Smothers ·

2025/07/25

On this episode of the Retirement Matters Podcast, we explore what it truly means to have enough—not just financially in retirement, but in life as a whole. It's part of our ongoing Pause for Positivity series, and this uplifting theme runs throughout the entire episode. We also spotlight our Retirement Readiness Class, which took place in July and is offered at various times throughout the year in multiple locations across South Central Kentucky and North Central Tennessee. If you're over age 60

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31:25

Episode 221: How the Big Beautiful Bill Will Impact...

The Retirement Matters Show with Dale Smothers ·

2025/07/18

On this episode of the Retirement Matters podcast, we dive into the newly signed legislation known as the “Big Beautiful Bill,” officially enacted on July 1, 2025. This law was designed to make the 2017 tax cuts permanent, but it goes even further—with several new provisions that could significantly benefit middle-class retirees. We break down the key changes, what they mean for your retirement income plan, and how these updates might affect your retirement tax strategy. While the bill doesn't

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31:39

Episode 220: Living vs. Existing in Retirement: Make...

The Retirement Matters Show with Dale Smothers ·

2025/07/11

On this episode of the Retirement Matters Podcast, you’re going be listening to a radio show that was first recorded and then broadcasted live on January 5, 2025, across multiple stations in Tennessee and Kentucky. The first two segments celebrate America turning 249 years old and explore recent positive milestones. But the third segment is especially important — it dives deep into the difference between living in retirement versus merely existing in it. Discover how your planning can shape the

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31:25

Episode 219: 401(k) Pros and Cons: Should You Keep It...

The Retirement Matters Show with Dale Smothers ·

2025/07/04

On this episode of the Retirement Matters podcast, we dive into the pros and cons of the 401(k), and discuss why—if you're approaching age 60—it may be worth exploring whether moving from a 401(k) to an IRA could be a better fit for your retirement strategy. Many individuals still have money sitting in old 401(k)s from previous employers or remain in a 401(k) plan even after retirement. In some cases, this might not be the most efficient use of those funds—but it really depends on your individual

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32:28

Episode 218: How Will War in the East Affect the...

The Retirement Matters Show with Dale Smothers ·

2025/06/27

On this episode of the Retirement Matters Podcast, we tackle one of the most timely and pressing global events: the recent attacks by Israel on Iran—and what it could mean for the markets. This conversation explores how geopolitical conflict, especially in the Middle East, can impact investors and shape short- and long-term market trends. Depending on when you're listening to this, the situation may have evolved—but the key question remains: how should investors respond in times of global

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32:06

Episode 217: 5 Retirement Fears & How to Overcome Them

The Retirement Matters Show with Dale Smothers ·

2025/06/20

On this episode of the Retirement Matters Podcast, we explore the top five fears many retirees face and how to confidently overcome them. Based on insights from a recent AARP article, this conversation covers both the financial and emotional challenges that often arise as retirement approaches. We explore how fear can keep retirees from truly enjoying the life they’ve worked hard to build. Unfortunately, many people let fear stop them from stepping fully into retirement with confidence and purpose

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31:16

Episode 216: Am I Really on Track for Retirement?...

The Retirement Matters Show with Dale Smothers ·

2025/06/13

On this week’s episode of the Retirement Matters Podcast, we’re tackling one of the most important questions you can ask: “Am I really on track for retirement?” While it might seem like a simple numbers game, the truth is — it’s not just about math. There’s an emotional side to retirement planning that often gets overlooked. If your retirement decision is driven entirely by feelings and not supported by a clear, well-mapped strategy, you could find yourself feeling uncertain, overwhelmed, or even

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32:26

Episode 215: 3 Retirement Income Mistakes to Avoid

The Retirement Matters Show with Dale Smothers ·

2025/06/06

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 strategy. Check out the full article: here! We’d love the opportunity to help you build your portfolio—and,

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32:14

Episode 214: What to Expect in Summer 2025 and How to...

The Retirement Matters Show with Dale Smothers ·

2025/05/30

On this episode of the Retirement Matters Podcast, we go into understanding where we are in the stock market, why we got here, and what moves you should be making. We also discuss the importance of working with the right advisor during your retirement income phase—and why it’s not just about taking steps, but taking the right steps at the right time. This episode originally aired live on May 24th, so while some market data may have shifted, the core strategies and insights remain highly relevant. If

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32:04

Episode 213: How Should I Invest Halfway Through

The Retirement Matters Show with Dale Smothers ·

2025/05/23

On this episode of the Retirement Matters Podcast, we start by sharing a powerful positive focus story—one of our advisors had a conversation with a young man that may have truly changed the course of his life. It’s a reminder of how small moments can lead to major impact. From there, we shift gears and offer our market outlook for the rest of 2025—and yes, it’s an optimistic one. At RDS Wealth, we remain bullish on America and confident in the resilience of the markets. If you’re close to

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32:41

Episode 212: Retirement Moves To MAKE and 1 To AVOID

The Retirement Matters Show with Dale Smothers ·

2025/05/16

On this episode of the Retirement Matters Podcast, we take a thoughtful look at the Indexed Universal Life policy, often referred to as a “7702 plan.” If you’ve been exploring retirement income strategies, chances are you’ve come across this type of plan. While it can be a legitimate tool in certain financial situations, it’s important to understand exactly how it works—especially before making any long-term decisions. In this episode, we’ll explain the structure of IULs, how they’re commonly

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32:02

Episode 211: My 401(k) is Down, Can I Still Retire?

The Retirement Matters Show with Dale Smothers ·

2025/05/09

On this episode of the Retirement Matters Podcast, we explore what you should be doing with your 401(k) in light of the recent market downturn. Recorded and released on May 3, 2025—just after the April 2025 tariff war—this discussion comes at a time of significant market volatility. While the situation isn’t fully resolved, we believe the worst may be behind us and a shift in momentum is underway. Whether you're approaching retirement or still years away, this episode offers practical guidance on

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32:17

How Much Money Do I Really Need to Retire?

The Retirement Matters Show with Dale Smothers ·

2025/05/02

On this episode of the Retirement Matters Podcast, we take a deep dive into one of the most important questions when it comes to retirement: How Much Money Do I Really Need To Retire? Of course, the answer is different for every single person listening—but there are three very distinct steps you can take to start. These steps help you apply your personal situation to the bigger picture, and unless you walk through all three in the right order, it can be difficult to get real clarity on the number

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32:32

How to Choose the Right Retirement Advisor for You:...

The Retirement Matters Show with Dale Smothers ·

2025/04/25

On this episode of the Retirement Matters Podcast, we take a deep dive into who we are as a firm, what we believe, and how we’re compensated—offering you an inside look at our values and the way we work with clients. This wasn’t the episode we originally planned, but it naturally evolved into a powerful and informative conversation that we’re excited to share with you. If you’ve ever wondered what it’s actually like to sit down with a retirement planning advisor—or what sets us apart from

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32:05

Episode 208: What to Expect with Trump's Economic Plan

The Retirement Matters Show with Dale Smothers ·

2025/04/17

On this episode of the Retirement Matters podcast, we discuss some details about the Trump administration's plan to help write what they believe is wrong in the world. They've talked about the prosperity of the coastlines and the suffering of middle America—and one way they’re trying to fix this is by pulling three different levers. We are on the second lever, which has to do with tariffs. As we record this live on April 12th, 2025, the U.S. is in an ongoing trade war with China, and so far, China

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31:55

Episode 207: How to Navigate the Waters of a Tariff War

The Retirement Matters Show with Dale Smothers ·

2025/04/11

In this episode of the Retirement Matters podcast, my voice is certainly in bad shape—very similar to what the stock market’s been doing lately. When this show aired, we had just seen a steep decline of about 7–8% over two days, following the announcement of the world tariffs by President Donald Trump and the retaliatory tariff from China on U.S. goods. The market took a big hit, and many retirees felt that pain in their 401(k)s. If this volatility is still happening as you’re listening, you need to

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245 results

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