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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

32:06

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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32:24

Episode 206: Tariffs Impact on Retirement and How to...

The Retirement Matters Show with Dale Smothers ·

2025/04/04

On this episode of the Retirement Matters Podcast, we dive into some critical issues currently facing America. We emphasize that such fluctuations are a normal part of the investing journey. The ups and downs of the market are inherent, and optimism remains at its core. Our mission is to help you build portfolios that harness this optimism by ensuring they are correlated with the stock market on the way up and strategically uncorrelated during downturns. At RDS Wealth, we specialize in designing

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32:11

Episode 205: How to Have AND KEEP Enough in Retirement

The Retirement Matters Show with Dale Smothers ·

2025/03/28

This week on the Retirement Matters podcast, we dive into one of the most crucial aspects of preparing for retirement—knowing what is enough. Think of it this way: You can’t kick a field goal if the goalposts keep moving, and you can’t score in basketball if the hoop is constantly shifting. The same goes for retirement—if we measure our readiness against a constantly moving horizon, we’ll never feel prepared. Understanding what "enough" truly means is the first step in securing a confident

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31:33

Episode 204: The Rules of Retirement...How They...

The Retirement Matters Show with Dale Smothers ·

2025/03/21

On this episode of the Retirement Matters podcast, we discuss how rules change in retirement, one in particular that will greatly impact you if you're not aware of it and how you should be adapting your philosophies, your mindset, and your strategies in retirement investing to adapt to those new rules. The objective is clear - you need to win at this game called life and retirement is a part of that game! That day of retirement changes the rules and knowing what those are is one step further

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31:11

Episode 203: How To Pay For Long Term Care Expenses...

The Retirement Matters Show with Dale Smothers ·

2025/03/14

On this episode of the Retirement Matters podcast, we dive deep into a Cryptocurrency scheme that is sweeping across America. You're not going to want to miss this and know what to be on the lookout for if you are over the age of 60 and have ever Googled the words,"Bitcoin or Cryptocurrency." You are likely a target. We cover at the end of this show long-term care leveraging tools that you need to be aware of if you are trying to plan for end of life care and how to pay for those things. And at the

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32:39

Episode 202: Inflation Again and What to do About it

The Retirement Matters Show with Dale Smothers ·

2025/02/28

On this episode of the Retirement Matters podcast, we dive into an important issue that affects all retirees: inflation and interest rates, and how they are connected in the current economic landscape. Please note, this episode aired live on February 22, before the Federal Reserve made any definitive announcements about raising interest rates. At that time, there was a lot of speculation about a potential rate hike to manage inflation. If you've been following the show for a while, you know I've

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32:49

Episode 201: Trade Wars, Social Security and...

The Retirement Matters Show with Dale Smothers ·

2025/02/07

In this episode of the Retirement Matters podcast, we explore the current trade war and the reasoning behind the tariffs being imposed, offering insights from an American-first perspective. While the specifics of what is being targeted are debatable, the impact of these tariffs on your retirement and finances is clear, and we dive into that discussion. We also cover recent changes to Social Security, including the Social Security Fairness Act passed in early 2025, with a case study on how these

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32:14

Episode 200: George and Martha: A Social Security...

The Retirement Matters Show with Dale Smothers ·

2025/01/31

In this episode of the Retirement Matters podcast, we take an in-depth look at a case study to explore the impact of the Social Security Fairness Act on the Government Pension Offset (GPO) and the Windfall Elimination Provision (WEP). Using two hypothetical clients, Martha and George (names and numbers have been changed for privacy), we’ll illustrate how individuals who haven’t yet begun receiving Social Security benefits—due to these provisions—could be significantly impacted, both positively and

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31:06

Episode 199: You Have Questions We have Answers

The Retirement Matters Show with Dale Smothers ·

2025/01/24

In this episode of the Retirement Matters Podcast, we’re diving into listener questions and unpacking some key topics we’ve been discussing recently. If you’ve been following the podcast in order, you’ll remember the recent updates on the Social Security Act—today, we go a little deeper into that. We also address some common concerns retirees often face, like navigating taxes, Social Security, healthcare, long-term care, and figuring out what steps to take next. Plus, we touch on what to expect from

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31:57

Episode 198: How The Most Recent Changes To Social...

The Retirement Matters Show with Dale Smothers ·

2025/01/10

On this episode of the Retirement Matters podcast, we will discuss both imminent and potential changes to Social Security. The show airs on Saturday, January 4th and Sunday, January 5th right before President Biden signs the bill into law called the Social Security Fairness Act. Since this law was a bipartisan attempt to make Social Security as fair as possible, it's very likely that it is now the law of the land as you hear this show and it will impact all of us. Whether you were a beneficiary of

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236 results

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