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PODCAST

The Retirement Matters Show with Dale Smothers

The Retirement Matters Show: Ready for Retirement is the podcast created to help you retire the way you desire- with clarity, confidence, and purpose. Retirement planning can feel overwhelming, and without a clear strategy, it"s easy to delay taking action. Our goal is to change that. Each episode delivers practical guidance and proven strategies designed to help you build a retirement plan that aligns your finances with your vision for the future. At RDS Wealth, we believe peace of mind comes from

business investing

All Episodes

05:25

What Trump's retirement savings plans could mean for...

The Retirement Matters Show with Dale Smothers ·

2026/03/03

Dale joins Julie at Yahoo Finance to analyze the potential savings tools this legislation could provide Americans, including the Trump administration's proposed retirement tax credits scheduled for 2027 under the Big Beautiful Bill. Dale breaks down what the federal match could mean for workers without employer-sponsored 401(k) plans, how small business employees may benefit, and why the added incentive could encourage more Americans to begin contributing to retirement accounts. He also discusses

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32:22

How Much Do I Need to Retire? A Realistic Breakdown...

The Retirement Matters Show with Dale Smothers ·

2026/02/27

"How much do I need to retire?" It's one of the most common and most misunderstood- retirement questions. In this episode of the Retirement Matters Podcast, we break down how much money you actually need to retire based on your lifestyle, goals, and timeline- not generic rules or viral retirement math. We walk through a practical framework to help you determine: • How much do I need to retire comfortably • How much do I need to retire early • How much do I need to retire at 65 • How much do I need

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07:04

Macro Outlook 2026: Fed Policy, AI Market Fear &...

The Retirement Matters Show with Dale Smothers ·

2026/02/23

Dale Smothers, joins Marley on Schwab Network to discuss the macro economic outlook, the Federal Reserve's path toward 2026, and why recent AI-driven market selloffs may be more opportunity than threat. In this conversation, Dale breaks down investor fears surrounding artificial intelligence- often described as the "AI angel of death"- and explains why innovation doesn't eliminate entire industries overnight. Instead, established companies with strong cash flow often acquire, integrate, and adapt

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30:48

Roth Conversions Explained: Lower Retirement Taxes &...

The Retirement Matters Show with Dale Smothers ·

2026/02/20

In this episode of The Retirement Matters Show, we break down one of the most powerful- and often misunderstood- retirement planning tools: Roth conversions. We discuss when Roth conversions may make sense, when they don't, and how using them correctly could help: Lower your lifetime tax bill Improve tax efficiency across your retirement journey Change how your money is taxed when it passes to your loved ones We also show you how to identify unnecessary or hidden fees in your investment

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30:42

Early Retirement Planning Mistakes to Avoid | Why...

The Retirement Matters Show with Dale Smothers ·

2026/02/13

Thinking about early retirement? In this episode of the Retirement Matters Podcast, we break down the biggest mistakes people make when planning for retirement- especially the dangerous habit of trying to time the market. Using a comical (and painful) first-and-last skiing experience, we draw parallels between skiing without a plan and retiring without one. We explain why building a retirement plan is far more important than chasing market performance, and we introduce a critical retirement planning

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30:13

Can You Really Afford to Retire? Cash Flow Planning...

The Retirement Matters Show with Dale Smothers ·

2026/02/09

Are you confident you have enough income to retire- or are you heading into retirement blindly? In this episode of The Retirement Matters Show, we break down why cash flow planning is one of the most important (and overlooked) parts of a successful retirement plan. Too many retirees are told to simply "fill up the gas tank," but without knowing your destination or how far you need to go, how do you know how much is enough? Using a simple road-trip analogy, we explain: Why retirement without cash

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03:34

Gold, Silver & Bitcoin Pull Back: Why This Isn't the...

The Retirement Matters Show with Dale Smothers ·

2026/02/04

Dale joins Fox Business with Stuart Varney to break down the morning selloff across Wall Street, including sharp moves in gold, silver, and bitcoin. After a parabolic run- led largely by retail investors- precious metals saw a healthy pullback that prompted disciplined profit-taking. Dale explains why this selloff is not a trend reversal, how AI and tech demand continue to support gold and silver, and why investors should stay focused on discipline as markets push toward new highs. #bitcoinnews

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35:56

Market Volatility, Discipline and Why Your Retirement...

The Retirement Matters Show with Dale Smothers ·

2026/01/30

With winter storms making headlines and market volatility grabbing attention, this episode of The Retirement Matters Podcast, we focus on one of the most important principles in retirement planning: discipline. As Snowmageddon reminds us how quickly conditions can change, we draw a clear parallel to today's financial markets and your retirement portfolio. In this episode, we break down recent market updates, explain why preparing for extremes is essential, and discuss how overreacting to short-term

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32:18

Key Retirement Planning Moves to Consider for 2026

The Retirement Matters Show with Dale Smothers ·

2026/01/23

In this episode of The Retirement Matters Podcast, we break down key retirement planning moves to consider as you head into 2026, along with common retirement mistakes to avoid along the way. Whether you're nearing retirement or already retired, these practical insights can help you build a well-rounded, confident retirement plan. We share actionable takeaways designed to help you evaluate your current strategy and make informed decisions about your financial future. This episode also highlights a

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32:51

Episode 246: You Have Questions We Have Answers 2026

The Retirement Matters Show with Dale Smothers ·

2026/01/16

On this episode of the Retirement Matters podcast, we answer real questions from listeners in one of our most popular Questions From Listeners shows. This episode covers four key areas of retirement planning: investments, income, taxes, and healthcare, with discussion of how these strategies can also impact your long-term legacy. These listener-driven episodes give us the opportunity to address the topics you're most curious about and explore how the different pieces of a retirement plan work

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32:44

Episode 245: How to Build Confidence in Your...

The Retirement Matters Show with Dale Smothers ·

2026/01/09

On this episode of the Retirement Matters Podcast, we dive into the first episode of the Retirement Matters Radio Show for 2026 and discuss why building confidence in your retirement plan is essential. With market opportunities and uncertainty, having a plan that helps you navigate different scenarios is key, whether you're retired or approaching retirement age. We explore strategies for structuring your portfolio to help support income needs and prepare for changes in the market. By focusing on

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31:58

Episode 244: A Positive End to 2025 and the 4% Rule

The Retirement Matters Show with Dale Smothers ·

2026/01/06

On this episode of the Retirement Matters podcast, we wrap up 2025 by sharing several encouraging stories and discussing recent developments related to retirement planning and the financial landscape. We also spend time discussing the 4% rule, including how it is commonly referenced in retirement planning conversations and why it continues to be a topic of interest when thinking about withdrawal strategies. As we close out the year, we reflect on key themes from 2025 and look ahead to continuing the

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29:44

Episode 243: End-of-Year Market Recap & Retirement...

The Retirement Matters Show with Dale Smothers ·

2025/12/26

On this episode of the Retirement Matters Podcast, we wrap up the year by discussing important end-of-year retirement planning moves and what to consider as we prepare for 2026. We break down current market conditions, recent trends, and why January and February often help set the tone for the year ahead. We also explain the difference between the growth phase and income phase of retirement planning, why understanding which phase you're in matters, and how proper positioning can help manage market

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30:06

Episode 242: AI Investing and the Lost Decade in...

The Retirement Matters Show with Dale Smothers ·

2025/12/19

On this episode of the Retirement Matters Podcast, we discuss how artificial intelligence is shaping today's investment landscape and why AI-related stocks may present both opportunity and volatility for long-term investors, while also exploring lessons from the "Lost Decade" of 2000–2010 and what historical market cycles may teach us about navigating today's technology-driven markets. We also cover the role of tax-loss harvesting, particularly as the year comes to a close, and how market volatility

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31:07

Episode 241: Two Rules and the Right Mindset for...

The Retirement Matters Show with Dale Smothers ·

2025/12/12

On this episode of the Retirement Matters podcast, we talk about the two guiding rules that can help create a more structured approach to retirement planning, especially for those considering an earlier transition. We discuss how emotions often show up in financial decision-making, why it's important to stay grounded during periods of uncertainty, and how adopting the right mindset can support clearer, more intentional planning. Our team is here to help you retire the way you have always imagined

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33:35

Episode 240: MYGAs vs CDs: Key Differences and...

The Retirement Matters Show with Dale Smothers ·

2025/12/05

On this episode of the Retirement Matters Podcast, we break down the key differences between MYGAs (Multi-Year Guarantee Annuities) and CDs, how each option works, and what factors to consider when deciding which may fit your situation. We also discuss why understanding your personal retirement goals such as income needs, lifestyle expectations, Social Security choices, taxes, and legacy intentions is essential as you move from the growth phase into the income phase of retirement. Have any questions

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32:44

Episode 239: How to Navigate Market Sell-Offs and...

The Retirement Matters Show with Dale Smothers ·

2025/11/28

On this episode of the Retirement Matters podcast, we break down the recent market sell-off that unfolded around November 21st. Over the past several weeks, major indexes have experienced notable declines driven largely by the same sectors, particularly artificial intelligence–related companies, that had been leading the market higher earlier in the year. We also discuss how margin calls can add additional pressure during a downturn and why it's important for investors, especially those approaching

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32:56

Episode 238: Retirement Planning Tips: Timing and...

The Retirement Matters Show with Dale Smothers ·

2025/11/21

On this episode of the Retirement Matters Podcast, we discuss important considerations for anyone approaching retirement and evaluating a financial advisor. We cover why now may be the right time to review your retirement plans and the importance of understanding how advisors structure their fees, so you can make informed decisions that align with your goals. We also explore the difference between a true partnership with a wealth management firm and a simple transaction, emphasizing guidance and

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32:10

Episode 237: How Retirees Can Navigate Risk, Taxes &...

The Retirement Matters Show with Dale Smothers ·

2025/11/14

On this episode of the Retirement Matters podcast, we take a closer look at recent market conditions and discuss how ongoing uncertainty may influence retirees and pre-retirees. We explore several factors that could be contributing to recent market movements including the potential effects of the government shutdown and why having a well-structured plan matters during periods of volatility. We also revisit our Risk-On/Risk-Off portfolio approach and discuss ways retirees might think about managing

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32:40

Episode 236: Inflation and Taxes: The Real Frights in...

The Retirement Matters Show with Dale Smothers ·

2025/11/07

On this episode of the Retirement Matters Podcast, we discuss timely end-of-year financial strategies to help you make the most of your retirement plan. Recorded live just after Halloween, this episode offers valuable insights about the market, inflation, and the importance of proactive tax planning as the year comes to a close. You'll hear thoughts on the current macroeconomic environment, lessons learned from inflation trends, and why strategic planning before year-end can make a meaningful impact

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