The Retirement Matters Show with Dale Smothers

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.

On this episode of the Retirement Matters Podcast, we tackle one of the most timely and pressing global events: the recent attacks by Israel on Iran—and what it could mean for the markets. This conversation explores how geopolitical conflict, especially in the Middle East, can impact investors and shape short- and long-term market trends. Depending on when you're listening to this, the situation may have evolved—but the key question remains: how should investors respond in times of global uncertainty? We break down three possible outcomes of this conflict, including the potential for U.S. involvement, strategic military responses, and the economic ripple effects of each scenario. History shows us that global tensions can create both risk and opportunity in the financial markets. The goal of this episode is to help you understand those dynamics and make informed, confident decisions, even in the face of uncertainty. At RDS Wealth, we believe knowledge is power, and understanding how the market reacts during international conflict is essential to building a resilient retirement strategy. 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.

On this episode of the Retirement Matters Podcast, we explore the top five fears many retirees face and how to confidently overcome them. Based on insights from a recent AARP article, this conversation covers both the financial and emotional challenges that often arise as retirement approaches. We explore how fear can keep retirees from truly enjoying the life they've worked hard to build. Unfortunately, many people let fear stop them from stepping fully into retirement with confidence and purpose. At RDS Wealth, we believe in living happy in retirement and retiring the way you desire. Tune in now and take the first step toward a more confident, fulfilling retirement journey. AARP article: https://www.aarp.org/money/retirement/conquer-your-retirement-fears/ 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.

On this week's episode of the Retirement Matters Podcast, we're tackling one of the most important questions you can ask: "Am I really on track for retirement?" While it might seem like a simple numbers game, the truth is — it's not just about math. There's an emotional side to retirement planning that often gets overlooked. If your retirement decision is driven entirely by feelings and not supported by a clear, well-mapped strategy, you could find yourself feeling uncertain, overwhelmed, or even regretful down the road. In this episode, we discuss: AI's impact on the American workforce How tweets can influence the stock market A client's question about market reaction to social media How to tell if you're on track for retirement 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.

On this episode of the Retirement Matters Podcast, we dive into an article from Schwab's Financial Research Center written by Rob Williams, CFP®, who at the time served as Vice President of Financial Planning at Charles Schwab. Rob outlines the three most common mistakes retirees make, and we break down each one while sharing how you can avoid letting these pitfalls sneak into your retirement strategy. Check out the full article: here! We'd love the opportunity to help you build your portfolio—and, 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! 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.

On this episode of the Retirement Matters Podcast, we go into understanding where we are in the stock market, why we got here, and what moves you should be making. We also discuss the importance of working with the right advisor during your retirement income phase—and why it's not just about taking steps, but taking the right steps at the right time. This episode originally aired live on May 24th, so while some market data may have shifted, the core strategies and insights remain highly relevant. If you're approaching age 59½ or already over 60, this is a pivotal time to start mapping out your retirement income strategy—and we can help. To speak with our team, give us a call at 270-600-PLAN or visit rdswealth.com to schedule a free 15-minute phone consultation. Schedule a Call with our Team: here! As always, we welcome your questions and show topic suggestions. Reach out via phone or email us at [email protected]—your feedback helps shape future episodes. 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.

On this episode of the Retirement Matters Podcast, we start by sharing a powerful positive focus story—one of our advisors had a conversation with a young man that may have truly changed the course of his life. It's a reminder of how small moments can lead to major impact. From there, we shift gears and offer our market outlook for the rest of 2025—and yes, it's an optimistic one. At RDS Wealth, we remain bullish on America and confident in the resilience of the markets. If you're close to retirement or actively planning, this episode is especially for you. We break down timely, no-fluff strategies you should be implementing in your portfolio right now. From income planning to risk management, we provide actionable advice to help you stay on track and make the most of your retirement years. While this episode reflects today's market landscape, the core values we discuss—managing risk, avoiding unnecessary exposure, and creating a dependable income plan—are timeless. No matter when you listen, we're here to help you build your version of a Live Happy retirement. If you have questions about your portfolio or retirement plan, we'd love to talk. Reach out to us anytime—we're here to serve. If you found this episode helpful, please like, subscribe, and share it with a friend or family member. Let's help more people take confident steps toward living a retirement they've always imagined! Always remember to Save Money, Plan Well, and Live Happy in Retirement. Interested in our Retirement Readiness Class on May 27th? RSVP by calling 270.600.PLAN or emailing us at [email protected]! Join Our Newsletter: here! Visit Our Website: here! RDS Wealth Instagram: here! RDS Wealth Facebook: here! Schedule a Call with our Team: 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.

On this episode of the Retirement Matters Podcast, we take a thoughtful look at the Indexed Universal Life policy, often referred to as a "7702 plan." If you've been exploring retirement income strategies, chances are you've come across this type of plan. While it can be a legitimate tool in certain financial situations, it's important to understand exactly how it works—especially before making any long-term decisions. In this episode, we'll explain the structure of IULs, how they're commonly presented, and the key details that can make or break their effectiveness in a retirement plan. Not all IULs are created equal, and we'll walk through what to look for to determine if one has been properly designed for your specific needs. In the second part of the show, recorded live on May 10, we take a quick look at current market conditions as we head into mid-2025. These insights are always evolving, but if you're curious about how we approach market trends and corrections, this part offers some useful perspective. Finally, we wrap up with one of the most important segments: what to do after a market downturn. If you're nearing retirement—or already retired—and felt the impact of the recent April 2nd dip, this part is especially relevant. The steps you take now can help protect your long-term financial wellbeing. We hope you find this episode helpful and informative. If you have any questions about IULs, retirement income strategies, or navigating market volatility, we'd be happy to help. You can reach us anytime at [email protected]. And if you're enjoying the show, please consider subscribing, sharing, or leaving a review to let us know how we're doing! Interested in our Retirement Readiness Class on May 27th? RSVP by giving us a call at 270.600.PLAN or email 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.

On this episode of the Retirement Matters Podcast, we explore what you should be doing with your 401(k) in light of the recent market downturn. Recorded and released on May 3, 2025—just after the April 2025 tariff war—this discussion comes at a time of significant market volatility. While the situation isn't fully resolved, we believe the worst may be behind us and a shift in momentum is underway. Whether you're approaching retirement or still years away, this episode offers practical guidance on navigating your 401(k) and broader retirement strategy during uncertain economic times. We also take a transparent look at how RDS Wealth is compensated, how we serve our clients, and why our fee structure is designed to align our success with yours. If you're thinking about retirement planning, investment management, or just want to make smarter decisions about your financial future, this episode is packed with actionable advice. Have questions after listening? Give us a call at 270.600.PLAN! Make sure to follow or subscribe so you never miss an episode. And if you're a regular listener, thank you! We'd appreciate your honest review and suggestions for future topics. Interested in our Retirement Readiness class on May 27th? Give us a call at 270.600.PLAN or email us at [email protected]! Join our Newsletter here! Visit our Website here! RDS Wealth Instagram here! RDS Wealth Facebook here! Schedule a time with our team 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 important questions when it comes to retirement: How Much Money Do I Really Need To Retire? Of course, the answer is different for every single person listening—but there are three very distinct steps you can take to start. These steps help you apply your personal situation to the bigger picture, and unless you walk through all three in the right order, it can be difficult to get real clarity on the number you need. There are other things that can impact your retirement plan—like rising taxes, inflation, or unexpected healthcare expenses. These are factors we can't always predict, but they do play a role. That's why it's so important to start with your income target, find the gap, and then build a plan around it. Once you understand those key steps, everything becomes much clearer—and that's exactly what we walk through in this episode. If you've never gone through this before, we recommend listening with a notepad. And if you'd like help making it easier, just give us a call at 270.600.PLAN. We love having you as part of the show, and we'd really appreciate your feedback. That includes subscribing, leaving a rating, and sharing your thoughts or questions. You can reach us at [email protected]—and let us know what you'd like to learn more about as we continue fine-tuning the podcast for our listeners. 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 take a deep dive into who we are as a firm, what we believe, and how we're compensated—offering you an inside look at our values and the way we work with clients. This wasn't the episode we originally planned, but it naturally evolved into a powerful and informative conversation that we're excited to share with you. If you've ever wondered what it's actually like to sit down with a retirement planning advisor—or what sets us apart from traditional growth-focused advisors—this episode will give you a clear picture. We walk through what we do for both new and existing clients, and how our approach can make a meaningful difference in your retirement journey. We hope you enjoy this episode of the Retirement Matters Podcast. If you find value in the show, please consider liking, rating, and subscribing. Sharing on your social media is greatly appreciated, and we welcome any feedback you may have. Thank you for tuning in! If you have questions, give our team a call! 270-600-PLAN We're here to help! Interested in our Social Security and Retirement Readiness Class on April 28th? Call 270-600-PLAN or email us at [email protected] to reserve your spot today! Our Kiplinger Article: Risk On, Risk Off: The Mr. Miyagi Approach to Retirement Planning 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 discuss some details about the Trump administration's plan to help write what they believe is wrong in the world. They've talked about the prosperity of the coastlines and the suffering of middle America—and one way they're trying to fix this is by pulling three different levers. We are on the second lever, which has to do with tariffs. As we record this live on April 12th, 2025, the U.S. is in an ongoing trade war with China, and so far, China isn't giving in. This has created market turmoil and a lot of fear among retirees watching their portfolios fluctuate. While this kind of uncertainty can feel overwhelming, we believe it may be short-lived—and that a V-shaped recovery is still possible. But what do you need to be doing specifically in these times if you are seeing your 401(k) suffer? We go into those three steps in detail, especially as you are approaching retirement phase. We hope you enjoy this episode of the Retirement Matters Podcast. If you find value in the show, please consider liking, rating, and subscribing. Sharing on your social media is greatly appreciated, and we welcome any feedback you may have. Thank you for tuning in! If you have questions, give our team a call! 270-600-PLAN We're here to help! Interested in our Social Security and Retirement Readiness Class on April 28th? Call 270-600-PLAN or email us at [email protected] to reserve your spot today! Subscribe to our YouTube channel here! 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.

In this episode of the Retirement Matters podcast, my voice is certainly in bad shape—very similar to what the stock market's been doing lately. When this show aired, we had just seen a steep decline of about 7–8% over two days, following the announcement of the world tariffs by President Donald Trump and the retaliatory tariff from China on U.S. goods. The market took a big hit, and many retirees felt that pain in their 401(k)s. If this volatility is still happening as you're listening, you need to be aware of the steps you can take to safeguard against further losses. One of the biggest pieces is making sure you're ready to weather the storm—but also knowing where you're headed and how far you still have to go. It might be a wise time to take a close look at your portfolio and figure out three key things: How much income do you need? How much of an income gap do you have? And how should you be investing your money to make sure that gap is filled? If you're getting close to retirement, now might be a smart time to take some chips off the table—and we can help you with that assessment. Our team is here to support you if you're feeling uncertain or overwhelmed about your retirement. Don't go at it alone—give us a call at 270.600.PLAN, and we'll connect you with someone from our team. Enjoy the show! Interested in our Social Security and Retirement Readiness Class on April 28th? Call 270-600-PLAN or email us at [email protected] to reserve your spot today! 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 some critical issues currently facing America. We emphasize that such fluctuations are a normal part of the investing journey. The ups and downs of the market are inherent, and optimism remains at its core. Our mission is to help you build portfolios that harness this optimism by ensuring they are correlated with the stock market on the way up and strategically uncorrelated during downturns. At RDS Wealth, we specialize in designing portfolios tailored for clients entering the income phase of retirement—ensuring their money is there when they need it most, whether the market is thriving or struggling. This is all based on our "Risk On, Risk Off" approach, which you can learn more about in our recent Kiplinger article titled The Mr. Miyagi Approach to Retirement Planning . If you're familiar with the reference, you'll understand why we call it this—it's about balance, patience, and strategic timing. We hope you enjoy this episode of the Retirement Matters Podcast. If you find value in the show, please consider liking, rating, and subscribing. Sharing on your social media is greatly appreciated, and we welcome any feedback you may have. Thank you for tuning in! If you have questions, give our team a call! 270-600-PLAN We're here to help! Kiplinger Article: The Mr. Miyagi Approach to Retirement Planning 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.

This week on the Retirement Matters podcast, we dive into one of the most crucial aspects of preparing for retirement—knowing what is enough. Think of it this way: You can't kick a field goal if the goalposts keep moving, and you can't score in basketball if the hoop is constantly shifting. The same goes for retirement—if we measure our readiness against a constantly moving horizon, we'll never feel prepared. Understanding what "enough" truly means is the first step in securing a confident retirement, and that's exactly what we explore in this episode. Before we jump in, a quick bit of housekeeping. If you find value in these discussions, we'd love for you to like, subscribe, and comment on the podcast. Share it with anyone who could benefit from solid retirement planning advice. If you'd like to speak with someone from our team, we're just a phone call away at 270-600-PLAN. You can also visit our website to explore the Retirement Atlas Toolkit and learn more about our firm. Additionally, if there's a topic you'd like us to cover, feel free to send your suggestions to [email protected]. We'll not only consider your request but also send a quick reply to let you know we've received it. Now, without further ado, let's dive into this week's episode: "How to Have and Keep Enough in Retirement." If you have questions, give our team a call! 270-600-PLAN We're here to help! 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 discuss how rules change in retirement, one in particular that will greatly impact you if you're not aware of it and how you should be adapting your philosophies, your mindset, and your strategies in retirement investing to adapt to those new rules. The objective is clear - you need to win at this game called life and retirement is a part of that game! That day of retirement changes the rules and knowing what those are is one step further towards winning the game. Now, we want you to win, but we also want you to enjoy the journey and do it as efficiently as possible and if there's anything we could do to assist you along that journey, give us a call at 270-600-PLAN and we'll sit down. Without further ado, please enjoy this episode of the Retirement Matters podcast titled, The Rules of Retirement... How They Change and How to Adapt And if you are a regular listener, we would greatly appreciate an honest review, a rating, perhaps some stars, or even a share! If you have questions, give our team a call! 270-600-PLAN! We're here to help! 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 deep into a Cryptocurrency scheme that is sweeping across America. You're not going to want to miss this and know what to be on the lookout for if you are over the age of 60 and have ever Googled the words,"Bitcoin or Cryptocurrency." You are likely a target. We cover at the end of this show long-term care leveraging tools that you need to be aware of if you are trying to plan for end of life care and how to pay for those things. And at the very beginning, we drop a little bit of wisdom that was delivered from my eight-year-old, which you're about to hear and it is one that is not only good for life in general, it's good for building Legos as well as it is good for building retirement plans. So without further ado, let's jump straight to this week's episode titled, How to Pay For Long Term Care Expenses (And A Word Of Caution About The Newest Crypto Trading Scam). Enjoy the show! If you have questions, give our team a call! 270-600-PLAN! We're here to help! 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 an important issue that affects all retirees: inflation and interest rates, and how they are connected in the current economic landscape. Please note, this episode aired live on February 22, before the Federal Reserve made any definitive announcements about raising interest rates. At that time, there was a lot of speculation about a potential rate hike to manage inflation. If you've been following the show for a while, you know I've never been a strong advocate for raising interest rates, and I've always believed they might have acted a bit prematurely. Whether it's due to conspiracy theories or various theories floating around, we now find ourselves at a crossroads. How the Fed responds could have significant implications for many retirees, and it's important to stay vigilant. That's where RDS Wealth comes in. We're here to help you navigate these uncertainties with tools like our Risk-On, Risk-Off Portfolio, which we briefly introduce at the start of this episode. We also explain where to find more details about this strategy in a recent Kiplinger article. A simple Google search will bring it up, as it's prominently featured on their site. In the final segment, we shift focus to discuss the differences between growth and income advisors, and why it's crucial to work with the right type of advisor based on where you are in your retirement journey. So without further ado, let's jump into this week's episode Inflation Again and What to do About it. Enjoy the show! If you have questions, give our team a call! 270-600-PLAN We're here to help! 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.

In this episode of the Retirement Matters podcast, we explore the current trade war and the reasoning behind the tariffs being imposed, offering insights from an American-first perspective. While the specifics of what is being targeted are debatable, the impact of these tariffs on your retirement and finances is clear, and we dive into that discussion. We also cover recent changes to Social Security, including the Social Security Fairness Act passed in early 2025, with a case study on how these changes will affect recipients. If you're unfamiliar with these updates, check out past episodes for more details. Additionally, I share a story about a client who is now able to fulfill her dream of retiring near her son, overcoming the challenges that once seemed insurmountable. The episode, titled "Trade Wars, Social Security, and the Relativity of Risk," discusses how the level of risk in your portfolio should align with your stage in retirement. Whether you're approaching retirement or already in it, the amount of risk you should take varies. I hope you enjoy the show—here's this week's episode of Retirement Matters podcast! If you have questions, give our team a call! 270-600-PLAN We're here to help! 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.

In this episode of the Retirement Matters podcast, we take an in-depth look at a case study to explore the impact of the Social Security Fairness Act on the Government Pension Offset (GPO) and the Windfall Elimination Provision (WEP). Using two hypothetical clients, Martha and George (names and numbers have been changed for privacy), we'll illustrate how individuals who haven't yet begun receiving Social Security benefits—due to these provisions—could be significantly impacted, both positively and negatively, if proper planning isn't done. The Social Security Fairness Act, which was signed into law on January 5, 2025, is set to be a major point of focus for retirement planners in the coming year to year and a half, especially as we gain more clarity on how the law will be implemented for the general public. If you need guidance navigating these changes, we'd love to help. Feel free to reach out to us at 270-600-PLAN to discuss your own retirement income strategy. Now, let's dive into this week's episode, titled George and Martha: A Social Security Case Study. If you have questions, give our team a call! 270-600-PLAN We're here to help! 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.

In this episode of the Retirement Matters Podcast, we're diving into listener questions and unpacking some key topics we've been discussing recently. If you've been following the podcast in order, you'll remember the recent updates on the Social Security Act—today, we go a little deeper into that. We also address some common concerns retirees often face, like navigating taxes, Social Security, healthcare, long-term care, and figuring out what steps to take next. Plus, we touch on what to expect from your retirement accounts this year. These topics and more are covered briefly in today's show, so stay tuned. Without further ado, let's jump into this week's episode, You've Got Questions, We've Got Answers. Enjoy the show! If you have questions, give our team a call! 270-600-PLAN We're here to help! 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.