The Retirement Matters Show with Dale Smothers

With rising geopolitical tensions and a volatile stock market, many investors are feeling uncertain about their next move. In this episode of the Retirement Matters Podcast, we break down what's really driving the recent market sell-off and how it could impact your retirement plan. Whether you're close to retirement or still years away, we cover what you should (and shouldn't) be doing with your portfolio right now, and why emotional decisions can cost you long-term. 👉 In this episode: What's happening in the Middle East and why it matters Why the market has been volatile How this impacts your retirement accounts What smart investors are doing right now 👉 Want a second set of eyes on your retirement plan? Our team at RDS Wealth is here to help you build confidence through real cash flow analysis for the the entirety of your retirement journey! Schedule a FREE 15 min conversation here: https://rdsmotherswealth.com/contact/ 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

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: https://www.schwab.com/learn/story/3-... We'd love the opportunity to help you build your portfolio—and, more importantly, your Retirement Atlas™, a personalized plan designed to guide you through all Five Worlds of Retirement™. These three mistakes are just a few of the many challenges retirees may face, and our goal is to help you avoid not only these but also other common pitfalls that can quietly erode confidence over time. At the top of the show, we also share an update to our podcast review process. If you've been listening and haven't yet left a rating or review, we'd be so grateful if you did. Every review helps us reach more families—and with every life we touch, we move closer to our vision: a world where retirees live with confidence and use that freedom to enrich the lives of those around them. We believe a retiree who feels less stress about money can be more present—as a spouse, a grandparent, a parent—and that's exactly why we do what we do. 👂 In this episode, you'll hear: • What Schwab's Rob Williams identifies as the 3 most common retirement mistakes • Why these mistakes are so common—and how to avoid them • How we help families build a plan using the Retirement Atlas™ • Why your podcast review truly makes a difference 📩 Have a question or a topic you'd like us to cover? Email us at [email protected] Give our team a call at 270.600.PLAN! Or schedule a time to talk here: https://rdsmotherswealth.com/contact/ 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.

On this episode of the Retirement Matters Podcast, we break down the most important (and often overlooked) pieces of a successful retirement plan- especially as you approach the income phase. Many people believe retirement planning is all about investing… but the truth is, that's only one part of the equation. Today, we walk through how to build a complete, coordinated retirement strategy that goes far beyond your portfolio, including: Income planning: How to create reliable, sustainable retirement income Tax planning: Strategies to reduce long-term tax burden Investment planning: Positioning your portfolio for growth and protection Healthcare planning: Preparing for one of retirement's biggest expenses Legacy planning: Protecting and passing on your wealth efficiently The key isn't just having these pieces- it's making sure they work together as one cohesive plan. If you're nearing retirement or already in the income phase, this episode will help you understand what truly matters when it comes to building a plan that lasts. 🎯 If you find value in this episode, be sure to follow, rate, and share the podcast to help others build smarter retirement strategies. 👉 Want a second set of eyes on your retirement plan? Our team at RDS Wealth is here to help you build confidence through real cash flow analysis for the the entirety of your retirement journey! Schedule a FREE 15 min conversation here: https://rdsmotherswealth.com/contact/ 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

Dale joins Stuart Varney on Fox Business to discuss one of the biggest questions investors are asking right now: Have we reached the market bottom and is it finally safe to buy? We dive into the recent tech stock selloff, including opportunities in companies that have dropped 20% or more, and why AI-driven stocks like Amazon may present strong long-term value. We also discuss why Microsoft may not be the best buy just yet, and what signals to watch before adding it to your portfolio. If you're wondering whether to buy the dip, sit on the sidelines, or shift your strategy, this video covers: Have stocks reached a true market bottom? Best tech stock opportunities right now AI demand and long-term growth potential Why Microsoft may still have downside Smart strategies for different investing phases Roth conversion opportunities during market dips The role of 10-year Treasury yields (4%+) in your portfolio Risk-on vs. risk-off investing strategies Whether you're investing for growth or income, the key is sticking to a personalized plan and understanding your time horizon- especially in volatile markets. Always remember 'losses hurt you more than gains help you'. 👉 Want a second set of eyes on your retirement plan? Our team at RDS Wealth is here to help you build confidence through real cash flow analysis for the the entirety of your retirement journey! Schedule a FREE 15 min conversation here: https://rdsmotherswealth.com/contact/ 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

On this episode of the Retirement Matters Podcast, we explore how economic forces- including oil prices and inflation- can influence your retirement strategy and long-term financial plan. Many retirees focus primarily on investments, but successful retirement planning requires understanding how broader economic trends may affect your income, spending, and overall financial security. In this episode, we discuss how fluctuations in energy prices and the economy can impact inflation and the markets, and why building a flexible retirement plan can help you navigate uncertainty while still enjoying the journey of retirement. We also take a deeper dive into Medicare planning and why it should never be handled in isolation. Medicare decisions play a critical role in your overall retirement strategy and should be integrated alongside tax planning, income planning, and investment planning to create a truly comprehensive retirement plan. In this episode, you'll learn: • How rising oil prices and inflation can affect retirement planning • Why economic uncertainty doesn't have to derail your retirement goals • The importance of integrating Medicare planning into your retirement strategy • How a comprehensive plan can help retirees feel more confident during market ups and downs The Retirement Matters Podcast is designed to help you navigate the complex decisions that come with retirement so you can build a plan that supports both financial security and peace of mind. If you know someone approaching retirement who could benefit from this conversation, we encourage you to share this episode. 👉 Want a second set of eyes on your retirement plan? Our team at RDS Wealth is here to help you build confidence through real cash flow analysis for the the entirety of your retirement journey! Schedule a FREE 15 min conversation here: https://rdsmotherswealth.com/contact/ 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

When planning for retirement, most people focus on investments- but the real challenge begins once retirement starts. On this episode of the Retirement Matters Podcast, we explain why Social Security planning, Medicare decisions, and tax strategy must work together in order to build a successful retirement income plan. Too often, retirees approach these areas separately: • Investments with a financial advisor • Taxes with a CPA • Medicare decisions somewhere else But when these pieces don't coordinate, it can dramatically impact how much income you actually take home in retirement. In this conversation, we break down: • Why Social Security timing impacts your taxes • How Medicare premiums can increase based on income • The importance of coordinating tax strategy with retirement income • Why retirees need a unified plan rather than separate strategies Think of retirement planning like landing an airplane- every control must work together. When your tax plan, Medicare strategy, and Social Security decisions align, you create a much smoother retirement income plan. If you're approaching retirement or already retired, this episode will help you understand how to bring these critical pieces together. 👉 Want a second set of eyes on your retirement plan? Our team at RDS Wealth is here to help you build confidence through real cash flow analysis for the the entirety of your retirement journey! Schedule a FREE 15 min conversation here: https://rdsmotherswealth.com/contact/ 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

Retirement is not the finish line- it's the starting point of an entirely new financial phase. In this episode of the Retirement Matters Podcast, we break down why entering retirement (age 59 and beyond) requires a completely different strategy than your accumulation years. Climbing the mountain during your growth phase is one challenge. Coming safely down the mountain during your retirement income phase is another. We discuss why every retiree needs three core plans in place: • A retirement income plan • A retirement tax strategy • An investment plan designed for distribution Without coordination between these three areas, retirees risk unnecessary taxes, market exposure mistakes, and income gaps. We also introduce our ATLAS framework we call the Five Worlds of Retirement Planning: Income. Investments. Taxes. Healthcare. Legacy. The day you retire is not the end. It is the beginning of complex decisions that will shape the rest of your life. That's why we believe retirement income planning requires a specialist- someone focused on navigating the distribution phase, not just the growth years. If you are approaching retirement or already in it, this episode will help you understand why having a clear Retirement Atlas- a coordinated plan for all five worlds- is essential for long-term confidence. Subscribe for practical retirement planning strategies designed for real life! 👉 Want a second set of eyes on your retirement plan? Our team at RDS Wealth is here to help you build confidence through real cash flow analysis for the the entirety of your retirement journey! Schedule a FREE 15 min conversation here: https://rdsmotherswealth.com/contact/ 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

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 the broader implications for long-term retirement planning and what individuals should consider as more details around the rollout become clear. With cash flow remaining a primary obstacle for many households, Dale explains how this potential federal match may serve as a catalyst for younger workers and underserved employees to start building retirement savings sooner rather than later. #RetirementPlanning #401k #SecureAct #TrumpPolicy #PersonalFinance #RetirementSavings #FederalTaxCredit

"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 to retire at 40 This conversation cuts through bad retirement advice and explains why one-size-fits-all numbers often do more harm than good. Retirement doesn't have to look the same for everyone- it can be anything you want it to be. The goal is understanding whether what you've saved today is enough to support the life you actually want tomorrow. If you're wondering whether you're on track for retirement, thinking about retiring early, or questioning the advice you've heard online, this episode will help you get clarity and confidence around your retirement planning decisions. 👉 Want a second set of eyes on your retirement plan? Our team at RDS Wealth is here to help you build confidence through real cash flow analysis for the the entirety of your retirement journey! Schedule a FREE 15 min conversation here: https://rdsmotherswealth.com/contact/ 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

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 new technologies, creating long-term value rather than permanent disruption. The discussion explores how recent AI headlines sparked sharp declines across software, financial services, trucking, freight, and commercial real estate- and why this may reflect short-term overreaction rather than structural damage. Dale also compares today's market sentiment to an inkblot test: investors look at the same economic data but interpret it differently based on philosophy, objectives, and emotion. Using the latest jobs report showing 130,000 jobs added, he explains why perspective matters more than headlines. 📊 Topics covered: Macro economic outlook and Fed expectations through 2026 AI disruption vs AI-driven opportunity Sector selloffs and investor overreaction Long-term investing during innovation cycles Market psychology and sentiment-driven volatility What strong economic data signals for markets This conversation offers clarity for investors navigating innovation-driven volatility and positioning portfolios for the decade ahead. Have any questions? Our team is here to help! Give us a call at 270.600.PLAN or schedule a time that works best for you here: https://rdsmotherswealth.com/contact/ Our Channel: / @rdswealthmanagement 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

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 accounts- simply by reviewing your account statements - so you can better understand where your money may be leaking. In this episode, you'll learn: How Roth conversions work in real retirement scenarios Common mistakes that make Roth conversions ineffective or costly How to spot excessive investment or advisory fees Why tax planning is just as important as investment performance If you enjoy this episode, please consider liking, subscribing, and leaving an honest review- it helps us reach more people looking to make smarter retirement decisions! The Retirement Matters Podcast helps you plan smarter so your retirement isn't left to chance. 👉 Want a second set of eyes on your retirement plan? Our team at RDS Wealth is here to help you build confidence through real cash flow analysis for the the entirety of your retirement journey! Schedule a FREE 15 min conversation here: https://rdsmotherswealth.com/contact/ 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

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 tool everyone should understand before retiring early. If you're focused on financial independence, early retirement planning, or avoiding costly retirement mistakes, this episode is a must-watch. Topics covered: Early retirement planning essentials Why timing the market can derail your retirement The importance of having a strategy- not just investments Common mistakes retirees make (and how to avoid them) A key retirement tool you need to know The Retirement Matters Podcast helps you plan smarter so your retirement isn't left to chance. 👉 Want a second set of eyes on your retirement plan? Our team at RDS Wealth is here to help you build confidence through real cash flow analysis for the the entirety of your retirement journey! Schedule a FREE 15 min conversation here: https://rdsmotherswealth.com/contact/ 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

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 flow planning is risky How income planning impacts your ability to retire early Why small monthly changes (even $500) can make or break a retirement plan How forecasting future income helps remove emotion from retirement decisions What confident retirees do differently before they leave the workforce Our advisor team walks through a real client scenario where one small adjustment made retirement possible, proving that clarity- not guesswork- is the key to financial confidence. If you're approaching retirement or considering retiring early, this episode will help you understand the importance of knowing how much income you actually need to sustain the lifestyle you want. Our team is here to help! 👉 Want a second set of eyes on your retirement plan? Our team at RDS Wealth is here to help you build confidence through real cash flow analysis for the the entirety of your retirement journey! Schedule a FREE 15 min conversation here: https://rdsmotherswealth.com/contact/ 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

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 #marketoutlook #preciousmetals #goldinvesting #silverinvesting #stockmarketoutlook Have any questions? Our team is here to help! Give us a call at 270.600.PLAN or schedule a time that works best for you here: https://rdsmotherswealth.com/contact/ Our Channel: / @rdswealthmanagement 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.

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 movements can do more harm than good- especially for those nearing or in retirement. You'll learn why having the right resources, a well-structured retirement plan, and a long-term perspective can help you stay confident through uncertainty. From managing market swings to maintaining trust and consistency in your strategy, this conversation is designed to help you stay prepared without panicking when conditions shift. Whether you're approaching retirement or already there, this episode offers practical insights to help you navigate change, protect your income, and stay focused on what truly matters. If you have a question or topic you'd like considered for a future episode, email [email protected]. Our team is here to help you retire the way you have always imagined! If you have any questions, please feel free to give us a call at 270.600.PLAN! Schedule a time that works best for you here: https://rdsmotherswealth.com/contact/ If you found today's episode helpful or enjoyable, we'd really appreciate it if you could leave us a star rating and a quick review. Your feedback means a lot to us and helps others discover the show. Thank you for tuning in to the Retirement Matters Show! Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! 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.

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 critical truth about retirement planning: it's about far more than investment performance alone. Important decisions around Medicare planning, Social Security timing, tax strategy, pension choices, and investment management all work together- and many of these choices don't come with second chances. At RDS Wealth, our mission is to help you retire the way you desire by creating a coordinated strategy that supports long-term confidence and peace of mind. If you have questions about your retirement plan or want help navigating the road to retirement in 2026 and beyond, our team is here to help. Schedule a time that works best for you here: https://rdsmotherswealth.com/contact/ If you found today's episode helpful or enjoyable, we'd really appreciate it if you could leave us a star rating and a quick review. Your feedback means a lot to us and helps others discover the show. Thank you for tuning in to the Retirement Matters Show! Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! 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.

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 together. If you have a question or topic you'd like considered for a future episode, email [email protected]. Our team is here to help you retire the way you have always imagined! If you have any questions, please feel free to give us a call at 270.600.PLAN! Schedule a time that works best for you here: https://rdsmotherswealth.com/contact/ If you found today's episode helpful or enjoyable, we'd really appreciate it if you could leave us a star rating and a quick review. Your feedback means a lot to us and helps others discover the show. Thank you for tuning in to the Retirement Matters Show! Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! 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.

In this episode of The Retirement Matters Podcast, we kick off the first Retirement Matters Radio Show episode of 2026 and discuss why confidence in your retirement plan is critical-especially amid ongoing market volatility and economic uncertainty. Whether you're already retired or approaching retirement age, having a clear, adaptable strategy can help you navigate changing market conditions with confidence. We break down retirement planning strategies designed to help you structure your investment portfolio for sustainable retirement income, manage risk, and prepare for multiple market scenarios. You'll learn how proactive planning can support smarter financial decisions and help you stay focused on long-term retirement goals. At RDS Wealth, our mission is to help you retire the way you desire- with clarity, confidence, and peace of mind. If you have questions about your retirement plan, investment strategy, or income planning, our team is here to help. 📞 Call us at 270-600-PLAN 📅 Schedule a complimentary conversation: https://rdsmotherswealth.com/contact/ If you enjoyed today's episode or found it helpful, please consider leaving a 5-star rating and a quick review. Your feedback helps more listeners discover the show and take meaningful steps toward a confident retirement. Thank you for listening to The Retirement Matters Show! Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! 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.

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 conversation in 2026. If you have questions about retirement planning or would like to schedule a conversation to discuss your personal situation, we invite you to reach out to us at a time that is convenient for you. Thank you for your continued support, and we look forward to sharing more educational discussions in future episodes. Our team is here to help you retire the way you have always imagined! If you have any questions, please feel free to give us a call at 270.600.PLAN! Schedule a time that works best for you here: https://rdsmotherswealth.com/contact/ If you found today's episode helpful or enjoyable, we'd really appreciate it if you could leave us a star rating and a quick review. Your feedback means a lot to us and helps others discover the show. Thank you for tuning in to the Retirement Matters Show! Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! 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.

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 volatility. As we head into a new year, we discuss how uncertainty can lead to market overreactions and what that means for long-term retirement strategies. Whether you're approaching retirement or already planning for income, this episode provides practical insights to help you think through opportunity, risk management, and preparation as we move toward 2026. Our team is here to help you retire the way you have always imagined! If you have any questions, please feel free to give us a call at 270.600.PLAN! Schedule a time that works best for you here: https://rdsmotherswealth.com/contact/ If you found today's episode helpful or enjoyable, we'd really appreciate it if you could leave us a star rating and a quick review. Your feedback means a lot to us and helps others discover the show. Thank you for tuning in to the Retirement Matters Show! Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! 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.

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 can impact individual stocks throughout the year. Our team is here to help you retire the way you have always imagined! If you have any questions, please feel free to give us a call at 270.600.PLAN! Schedule a time that works best for you here: https://rdsmotherswealth.com/contact/ If you found today's episode helpful or enjoyable, we'd really appreciate it if you could leave us a star rating and a quick review. Your feedback means a lot to us and helps others discover the show. Thank you for tuning in to the Retirement Matters Show! Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! 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.

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! If you have any questions, please feel free to give us a call at 270.600.PLAN! Schedule a time that works best for you here: https://rdsmotherswealth.com/contact/ If you found today's episode helpful or enjoyable, we'd really appreciate it if you could leave us a star rating and a quick review. Your feedback means a lot to us and helps others discover the show. Thank you for tuning in to the Retirement Matters Show! Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! 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.

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 about your retirement journey? Our team is here to help! Give us a call at 270.600.PLAN or schedule a time that works best for you here: https://rdsmotherswealth.com/contact/ If you found today's episode helpful or enjoyable, we'd really appreciate it if you could leave us a star rating and a quick review. Your feedback means a lot to us and helps others discover the show. Thank you for tuning in to the Retirement Matters Show! Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! 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.

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 retirement, to maintain a well-balanced strategy aligned with their risk tolerance and long-term goals. In addition to the market conversation, we shift into an essential retirement topic: choosing the right Social Security strategy. We share how our team can assist you in evaluating your options so you can make an informed decision based on your personal situation. If you're unsure how current market conditions or your Social Security choices may affect your retirement plan, our team is here to help you evaluate your situation and understand your next steps. You can reach us at 270-600-PLAN, or visit rdswealth.com to schedule a time to talk. Schedule a time that works best for you here: https://rdsmotherswealth.com/ Our team is here to help you Retire the Way You Desire™! If you found today's episode helpful or enjoyable, we'd really appreciate it if you could leave us a star rating and a quick review. Your feedback means a lot to us and helps others discover the show. Thank you for tuning in to the Retirement Matters Show! Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! 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.

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 support throughout your retirement planning journey. Have any questions? Call us at 270-600-PLAN to connect with a member of our team who can help you navigate this important phase or schedule a time that works best for you here: https://rdsmotherswealth.com/contact/ Our team is here to help you Retire the Way You Desire™! If you found today's episode helpful or enjoyable, we'd really appreciate it if you could leave us a star rating and a quick review. Your feedback means a lot to us and helps others discover the show. Thank you for tuning in to the Retirement Matters Show! Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! 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.

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 risk to help support long-term confidence. From there, we break down Roth conversions: when they may make sense, potential benefits, and key considerations when comparing Roth and traditional IRA strategies. To wrap up, we talk about aligning your financial decisions with your life goals because retirement planning isn't just about timing the market; it's about creating a plan that supports your lifestyle, your purpose, and the impact you wish to make. As we move toward the 2025 holiday season, this episode encourages thoughtful planning around income, taxes, healthcare, and achieving balance in retirement. Our team is here to help you Retire the Way You Desire™️! Give our team a call at 270.600.PLAN or schedule a time that that works best for you here: https://rdsmotherswealth.com/contact/ If you found today's episode helpful or enjoyable, we'd really appreciate it if you could leave us a star rating and a quick review. Your feedback means a lot to us and helps others discover the show. Thank you for tuning in to the Retirement Matters Show! Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! Always remember to Save Money, Plan Well, and Live Happy in Retirement™ 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.

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 on your retirement outlook. At R.D. Smothers Wealth Management, our mission is to be your partner in planning and to help you move confidently toward your retirement goals. If you have questions or need help creating your personalized plan, reach out to our team at 270-600-PLAN. We'll take the time to understand where you are, where you desire to be, and the best next steps to get you there. Our team is here to help you Retire the Way You Desire™️! Schedule a time that that works best for you here: https://rdsmotherswealth.com/contact/ If you found today's episode helpful or enjoyable, we'd really appreciate it if you could leave us a star rating and a quick review. Your feedback means a lot to us and helps others discover the show. Thank you for tuning in to the Retirement Matters Show! Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! Always remember to Save Money, Plan Well, and Live Happy in Retirement™ 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.

On this episode of the Retirement Matters Podcast, we discuss a few retirement proverbs, short clips of financial wisdom that cover a variety of topics. Some insights may be familiar from financial news, while others are new perspectives to consider. We combine two or three of these topics into one cohesive section, offering reflections and observations for year-end thinking. Have any questions? Call us at 270-600-PLAN to connect with a member of our team who can help you navigate this important phase or schedule a time that works best for you here: https://rdsmotherswealth.com/contact/ Our team is here to help you Retire the Way You Desire™! If you found today's episode helpful or enjoyable, we'd really appreciate it if you could leave us a star rating and a quick review. Your feedback means a lot to us and helps others discover the show. Thank you for tuning in to the Retirement Matters Show! Our team is here to help you Retire the Way You Desire™! Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! Always remember to Save Money, Plan Well, and Live Happy in Retirement™ 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.

On this episode of the Retirement Matters Podcast, we discuss important considerations if you're 10 years, 5 years, or fewer years away from retirement, especially given today's economic environment in 2025. With ongoing global trade tensions and recent developments in private credit and lending, many investors are reassessing how these factors could influence their retirement timelines and financial plans. Our team shares insights on how to approach retirement planning during times of market uncertainty, including ways to evaluate your current strategy, review your income needs, and understand your overall risk exposure. Even if you're more than 10 years away, this discussion provides information to help you think proactively about your long-term financial goals. Have any questions? Call us at 270-600-PLAN to connect with a member of our team who can help you navigate this important phase or schedule a time that works best for you here: https://rdsmotherswealth.com/contact/ Our team is here to help you Retire the Way You Desire™! If you found today's episode helpful or enjoyable, we'd really appreciate it if you could leave us a star rating and a quick review. Your feedback means a lot to us and helps others discover the show. Thank you for tuning in to the Retirement Matters Show! Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! Always remember to Save Money, Plan Well, and Live Happy in Retirement™ 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.

On this episode of the Retirement Matters Podcast, we talk about the importance of having a plan and why every retirement strategy should begin with one essential question: Where do you want to go? This idea came from a conversation between our CEO, Dale, and his six-year-old son. In the show, we introduced this concept with a question Dale asked him, and his answer truly astounded him. The wisdom of a six-year-old can absolutely be applied to retirement planning. Yet, this important question is sometimes overlooked. Many advisors focus primarily on the accumulation, or growth phase, which is an essential part of preparing for retirement. However, once retirement begins, you enter the income phase. This phase often involves considerations such as managing income streams, planning for healthcare expenses, understanding tax implications, and more. Have any questions? Call us at 270-600-PLAN to connect with a member of our team who can help you navigate this important phase or schedule a time that works best for you here: https://rdsmotherswealth.com/contact/ Our team is here to help you Retire the Way You Desire™! If you found today's episode helpful or enjoyable, we'd really appreciate it if you could leave us a star rating and a quick review. Your feedback means a lot to us and helps others discover the show. Thank you for tuning in to the Retirement Matters Show! Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! 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.

On this episode of the Retirement Matters Podcast, we discuss practical tools and strategies that can help reduce your retirement tax bill. Whether you're nearing retirement or already in the income phase, understanding how to use these tools effectively can make a significant difference in your long-term financial plan.We explore the importance of tax planning as part of your overall retirement strategy and explain how proper use of accounts like IRAs and 401(k)s can improve your tax efficiency. Every retiree's situation is unique, so it's important to work with a qualified advisor to create a personalized plan that fits your needs. Our team at RDS Wealth is here to help you retire the way you have always imagined! Give our team a call at 270.600.PLAN or schedule a time that works best for you here: https://rdsmotherswealth.com/contact/ If you found today's episode helpful or enjoyable, we'd really appreciate it if you could leave us a star rating and a quick review. Your feedback means a lot to us and helps others discover the show. Thank you for tuning in to the Retirement Matters Show! Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! 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.

In this exclusive episode of the Retirement Matters podcast, we share insights on retirement planning strategies for every stage of life — from early career to pre-retirement. This episode, recorded off-air and not available on radio, offers timely commentary on current market conditions, including the recent rise in AI-related stocks and the implications for investors at different life stages. Some of the topics covered: Portfolio rebalancing strategies during market highs Retirement planning considerations for different age groups Tax-aware options including IRA rollovers and income planning Our team is here to help you Retire the Way You Desire™! Give us a call at 270.600.7526 or schedule a time that works best for you here: https://rdsmotherswealth.com/contact/ If you found today's episode helpful or enjoyable, we'd really appreciate it if you could leave us a star rating and a quick review. Your feedback means a lot to us and helps others discover the show. Thank you for tuning in to the Retirement Matters Show! Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! 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.

On this episode of the Retirement Matters Podcast, we explore the five most important areas to address in your retirement plan. These core topics can help guide you toward a more confident and well-structured retirement—whether you're approaching retirement age or just starting to plan for the future. Recorded live on September 13th during a challenging week in the news, this episode opens with a moment of reflection. 🎧 Listen in to discover: The 5 critical areas every retirement plan should cover Why each piece matters and how they work together Tips for both pre-retirees and younger investors navigating today's market Our team is here to help you Retire the Way You Desire™! Give us a call at 270.600.7526 or schedule a time that works best for you here: https://rdsmotherswealth.com/contact/ If you found today's episode helpful or enjoyable, we'd really appreciate it if you could leave us a star rating and a quick review. Your feedback means a lot to us and helps others discover the show. Thank you for tuning in to the Retirement Matters Show! Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! 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.

On this episode of the Retirement Matters Podcast, we explore financial winter—a seasonal slowdown in the markets that often begins in late summer and can extend through the fall. While it's not a reason to panic, it is a time to be prepared, especially for those nearing or in retirement. We discuss why this seasonal trend occurs, what factors could make this year's financial winter more significant, and how to adjust your investment strategy based on where you are in your retirement journey. Whether you're approaching retirement in the next few weeks or already enjoying your retirement years, this episode will help you understand how to prepare your portfolio for potential volatility and stay focused on long-term goals. Our team is here to help you Retire the Way You Desire™! Give us a call at 270.600.7526 or schedule a time that works best for you here: https://rdsmotherswealth.com/contact/ If you found today's episode helpful or enjoyable, we'd really appreciate it if you could leave us a star rating and a quick review. Your feedback means a lot to us and helps others discover the show. Thank you for tuning in to the Retirement Matters Show! Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! 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.

On this episode of the Retirement Matters podcast, we're diving into one of our favorite segments — Questions from Listeners! If you've ever wondered, "Am I going to be okay in retirement?" or "Will I have enough money to last?" — you're not alone. These are the core concerns we hear time and time again, and in this episode, we tackle some of the most common (and important) ones. From long-term care planning to tax strategies, income planning, and inflation, we're covering a wide range of questions that many retirees and pre-retirees are thinking about. Even if your question seems small, it could be the key to understanding a much bigger piece of your financial puzzle. If retirement is on your mind — you won't want to miss this episode! Chances are, someone else has asked the very question you've been wondering about too. And if you have a question of your own, don't hesitate to reach out! Call our office at 270-600-PLAN, or visit our website and use the menu to schedule a call here: https://rdsmotherswealth.com/contact/ If you found today's episode helpful or enjoyable, we'd really appreciate it if you could leave us a star rating and a quick review. Your feedback means a lot to us and helps others discover the show. Thank you for tuning in to the Retirement Matters Show! Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! 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.

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. If you found today's episode helpful or enjoyable, we'd really appreciate it if you could leave us a star rating and a quick review. Your feedback means a lot to us and helps others discover the show. Thank you for tuning in to the Retirement Matters Show! Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! 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.

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 focused on creating a smoother experience. If you've ever taken a cruise, you'll likely catch the comparisons right away. If not, we hope the analogy helps make the idea of a structured, flexible retirement plan easier to picture. At the end of the day, it's about understanding the value of preparation — and making sure your plan is built to navigate the journey ahead. Our team at RDS Wealth is here to help! Give us a call at 270.600.PLAN or schedule a time here: https://rdsmotherswealth.com/contact/ If you found today's episode helpful or enjoyable, we'd really appreciate it if you could leave us a star rating and a quick review. Your feedback means a lot to us and helps others discover the show. Thank you for tuning in to the Retirement Matters Show! Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! 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.

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 of a specialist. We also introduce our Retirement Atlas™—a planning framework created to guide you through what we call the "five worlds" of retirement: Income Investments Taxes Healthcare Legacy Putting these five pieces together can help provide clarity and direction as you move from where you are to where you want to be in retirement. If you're unsure where to start or want a second opinion, we'd love to talk! Call us at 270-600-PLAN or schedule a time that works for you here: https://rdsmotherswealth.com/contact/ If you find this conversation helpful, please consider following the show, and sharing it with someone who may find value in this episode! Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! 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.

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 health-related expenses during retirement. In this episode, we'll explore: ✅ Why health care planning plays a critical role in retirement readiness ✅ How health care expenses can affect other areas of your plan, like income and investments ✅ The importance of preparing for long-term care and understanding Medicare options ✅ and more! Our team at RDS Wealth is here to help! Give us a call at 270.600.PLAN or schedule a time here: https://rdsmotherswealth.com/contact/ If you find this conversation helpful, please consider following the show, and sharing it with someone who may find value in this episode! Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! 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.

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 at each How to plan ahead for required minimum distributions (RMDs) Our team at RDS Wealth is dedicated to helping you Retire the Way You Desire! If you have any questions, we're here to help! Give us a call at 270.600.PLAN or schedule a time with our team here: https://rdsmotherswealth.com/contact/ Join Our Newsletter: here! Visit Our Website: here! Learn More Information: here! Subscribe to our YouTube: here! 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.

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 and within five years of retirement—and you're unsure how to answer the questions we pose during this show—it may be time to consider working with a retirement income advisor. This episode is a special re-airing of one of our live radio shows, heard regularly across our region. We dive into the critical differences between a growth advisor and an income advisor, and why making the right transition at the right time can help you prepare for your next step in retirement. Whether you're in our listening area or tuning in from elsewhere, we offer both in-person and virtual opportunities to meet with our team. We work with clients across the country—many of whom we've never met in person—to design personalized retirement income plans that fit their unique goals, values, and lifestyle. 📞 Ready to take the next step? Call us at 270-600-PLAN to schedule your in-person or virtual call here: https://rdsmotherswealth.com/contact/ Join Our Newsletter: here! Visit Our Website: here! RDS Wealth Instagram: here! RDS Wealth Facebook: here! 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.

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 directly impact your investment accounts, it could influence how you approach investment planning moving forward. We also share real-world examples to help you apply this information to your own retirement situation. With the complexity of these new rules, now may be a good time to revisit your financial strategy—whether it's your income, tax, or broader retirement plan. Need guidance? Call us at 270-600-PLAN to schedule a conversation. We'd love to help you move one step closer to the retirement you've always imagined! Our team is here to help you Retire the Way You Desire! Give us a call at 270.600.PLAN or schedule a call here: https://rdsmotherswealth.com/contact/ Interested in our free Retirement Readiness class? Seats are limited - RSVP here: https://rdsmotherswealth.com/attend-an-event/ Join Our Newsletter: here! Visit Our Website: here! RDS Wealth Instagram: here! RDS Wealth Facebook: here! 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.

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 quality of your retirement journey and learn key strategies to help you live your retirement to the fullest. If you want to take the next step toward the retirement you've always imagined, visit rdswealth.com to schedule a convenient time to talk with an advisor. Give our team a call at 270.600.PLAN today or schedule a time here: https://rdsmotherswealth.com/contact/ Interested in our free Retirement Readiness Class? RSVP with the link here: https://rdsmotherswealth.com/attend-an-event/ Join Our Newsletter: here! Visit Our Website: here! RDS Wealth Instagram: here! RDS Wealth Facebook: here! 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.

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 situation. Whether you're wondering if an IRA might offer more flexibility, or if sticking with your 401(k) still makes sense, the key is making an informed decision based on your goals. If you'd like guidance on whether a 401(k) or IRA better aligns with your retirement plan, give our team a call at 270-600-PLAN or visit rdswealth.com. We're here to help you evaluate your options with confidence. Interested in our Retirement Readiness Class? RSVP by calling 270-600-PLAN or visiting us: here! Our team is here to help you Retire the Way You Desire! Give us a call at 270.600.PLAN or schedule a conversation here: https://rdsmotherswealth.com/contact/ 📩 Have a question or a topic you'd like us to cover? Email us at [email protected] Always remember to Save Money, Plan Well, and Live Happy in Retirement. Join Our Newsletter: here! Visit Our Website: here! RDS Wealth Instagram: here! RDS Wealth Facebook: here! 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.