Episode 227: The Fed Is Cutting Rates — What Retirees Should Consider Now
The Retirement Matters Show with Dale Smothers · Dale Smothers
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Show Notes
On this episode of the Retirement Matters Podcast, we go into what retirees and those planning for retirement should be doing now based on their time horizon and investment philosophy. This show originally aired live on August 23, 2025, and references the Federal Reserve's announcement from Friday, August 22, 2025, about an expected rate cut coming in September 2025.
We discuss how the market reacted to this news, with many retirement accounts, including 401(k)s, reaching higher valuations than ever before. If you're not seeing those gains in your accounts, it might be time to talk to an advisor—we'd love to be that person for you! Even at the market's height, uncertainty remains about what's next and how to position your portfolio, and that's exactly where we can help.
Whether you're in your 20s, 30s, 40s, 50s, 60s, or even 70s, you'll find valuable ideas in this episode tailored to your stage in the retirement journey. Keep in mind that everyone's situation is different, so use this as educational guidance—not personalized advice.
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Always remember to Save Money, Plan Well, and Live Happy in Retirement
DISCLOSURE: R.D. Smothers Wealth Management is a state-registered investment adviser under the laws of the Commonwealth of Kentucky. Registration as an investment adviser does not imply any level of skill or training. Insurance products and services are offered and sold through RDS Insurance Group. R.D. Smothers Wealth Management and RDS Insurance Group are affiliated but separate entities. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. For more information please visit: https://adviserinfo.sec.gov and search for our firm name. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future results.