The Retirement Matters Show with Dale Smothers

On this week's episode of the Retirement Matters podcast, we're discussing companies that tend to perform well under Republican leadership. While many of these companies also succeed with Democrats in office, history shows a slight edge during Republican administrations. However, before fully committing to an "America First" investment strategy, it's important to consider the market shifts expected over the next 6 to 12 months. Changes in trade policies, including new tariffs, will likely impact U.S. businesses with global ties, particularly those relying on Asian manufacturing. These adjustments could bring increased volatility—or even a market correction—as the new presidency takes shape. If you're in or nearing retirement, this is the time to safeguard your portfolio against downside risk. Whether you're retired, close to retirement, or still planning for it, we'll discuss key steps to help you navigate the uncertainty. As always, our team is here to help. If you have questions or need guidance, call 270-600-PLAN for a no-cost consultation. And don't forget to like, share, or comment on this episode. 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 week's episode of the Retirement Matters Podcast, we talk about how the recent election demonstrated the strength of our democracy, with a smooth transfer of power highlighting our shared values over differences. As we move forward, discussions on government efficiency, tax cuts, and growth policies offer potential opportunities for individuals and the economy. The stock market is reaching historic highs, with the S&P 500 surpassing 6,000 points and the NASDAQ also setting records. Despite a strong labor market, interest rates are declining, and favorable tax policies may be extended, creating a positive environment for growth. Over the next few weeks, I'll provide strategies to help you prepare for 2025, whether retirement is 20 days or 20 years away. Together, we'll explore market trends, economic opportunities, and insights to ensure you're ready for the road ahead. 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 dive deep into some of the questions you've shared as a listener—or maybe even as a viewer of our TV shows. Whitney Eubank joins us to unpack a few key questions that many of you have encountered on your path to retirement. She even touches on some things you might not have considered yet. We tackle four big questions in this episode, all connected by one common theme: tax planning. With just about 12 to 14 months left to make adjustments before the expiration of the Trump tax cuts, now is the time to review and refine your tax plan. This is an essential topic for anyone looking to build a secure retirement, so if you need any help or haven't started a retirement plan yet, reach out at 270-600-PLAN. As always, we start with a focus on the positive. This week's positive focus is all about staying steady on your journey and trusting the path that's been laid out for you. Keep moving forward with faith, knowing you're working toward your goals. 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 one essential topic: retirement planning. We explore the significance of having a solid retirement plan, what it entails, and the challenges of retiring without one. I love the analogy we use at the end, comparing retirement planning to solving a maze. If you've ever tackled a paper maze, you know the best approach is to start at the end. This principle applies perfectly to retirement. By envisioning your destination first, you can navigate the complexities and avoid common pitfalls along the way. If you need assistance, our team is here to help. You can reach us at 270-600-PLAN. Whether you're listening for educational purposes or just tuning in for the insights we share, we appreciate your support. Please like, subscribe, and leave a review of our episodes. Your encouragement helps us reach those who need this information most. Thank you for being part of our journey! 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 delve into the crucial distinction between investing for income and investing for growth. These two philosophies are essential to navigate your retirement journey effectively. While we often discuss transitioning from the growth phase to the income phase, it's vital to understand how to balance both within your investment strategy, which is one of the five key plans you need for a successful retirement. Many people struggle with where to start when it comes to investing, and that uncertainty can stem from a lack of clarity about their goals. Think of it as navigating a maze: when you work backwards, the path becomes clearer. This episode explores both income and growth strategies, helping you to invest wisely based on where you are on your journey. We also dive into the topic of taxes, revealing a hidden tax you'll want to know about. Plus, at the beginning of the show, we introduce a powerful principle that can transform your life if applied correctly. Much of our journey is shaped by the choices we make, and this insightful principle could be the key to a fresh perspective on your financial future. Don't miss it! 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 today's episode of The Retirement Matters podcast, we're discussing a topic that's becoming all too familiar: inflation. It seems inflation is back in the news, and there's a specific reason for this—namely, a shift in the Federal Reserve's mandate. In this episode, I'll explain why this change may not be the best move right now. We didn't cover this in detail during the show, so here's a bonus insight: if I had to use an analogy, I'd say the Fed is expending all its ammunition while the enemy hasn't even arrived. We're implementing rate cuts without seeing significant softness in employment, and inflation still hasn't hit our desired targets since we began addressing it in 2022. If you have any questions or need assistance, feel free to reach out to our team at 270-600-PLAN. We also encourage you to like, subscribe, and leave an honest review on your favorite podcast platform. 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 Show, Dale dives into the Q3 GDP report that came out on September 26, 2024 and provides a little bit of education around what market turblence could mean for a retirement plan! We discuss how you can start to build a portfolio- a true retirement plan, not dependent upon the stock market. One that we call a 'Risk On Risk Off' portfolio- allowing you the freedom to live through retirement without fear and worry of running out of money due to volatility. If you have any questions or need assistance, feel free to reach out to our team at 270-600-PLAN. We also encourage you to like, subscribe, and leave an honest review on your favorite podcast platform. 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 the latest jobs report and discuss the significant 50 basis point rate cut—the first reduction in nearly four years. This is a pivotal moment, signaling a shift in the Federal Reserve's focus from combating inflation to addressing unemployment. While we won't debate the Fed's decisions, I'll share my thoughts on why this shift may not be the best approach. Our primary goal is to help you plan for a successful retirement, regardless of market fluctuations. We'll outline essential steps for building a strong retirement portfolio, breaking it down into three key phases as we near the end of the show. This episode is a bit more detailed than usual, featuring important reports and statistics, but it's packed with valuable insights. If you have any questions or need assistance, feel free to reach out to our team at 270-600-PLAN. We also encourage you to like, subscribe, and leave an honest review on your favorite podcast platform. 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 week's episode of the Retirement Matters Podcast, we delve into the intricate world of taxation. Interestingly, although we didn't explicitly mention it in the show, our discussion starts with inflation. If you think about it, inflation can be seen as a form of taxation. From there, we move on to healthcare expenses. Many people worry about Medicare choices and long-term care, including the potential risk of losing their family home or cherished land. We explore some strategies to address these concerns and invite you to reach out to our team for personalized advice. Next, we tackle the topic of taxes, discussing why we believe tax rates are likely to rise. While we don't focus on specific strategies to lower your taxes in this episode, we encourage you to seek out opportunities to manage them effectively. If you need further assistance, don't hesitate to give us a call at 270-600-PLAN. We're here to help! 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 the phenomenon of "financial winter," which typically hits in October. This strange trend often sees sellers dominate the market while buyers retreat. If you're in the growth phase, this could be a prime opportunity to capitalize. For those in the income phase, however, October, along with September and November, can be challenging. We offer strategies to navigate these months and protect your assets. If you're looking to safeguard your investments, refine your income or tax plans, or need guidance on Medicare, we're here to help. You can call our office anytime at 270-600-PLAN, If you enjoy our show, please leave a review and share it with friends and family to help us reach more listeners. 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 inflation. We discuss what it is, how to plan for it, and its impact on your purchasing power. Understanding inflation and how it's measured in the American economy is crucial, but it's important to realize that merely understanding inflation is not enough to prepare for its effects. Proactive planning and adjustments are necessary to ensure your purchasing power keeps up with the cost of goods. If you need assistance planning for inflation, we'd be happy to help. You can call our office anytime at 270-600-PLAN. If you just need some guidance on how to minimize the impact of inflation on your plan, feel free to email us at [email protected]. Let us know if you'd like someone from our team to reach out to you or if you want us to review your current plan. We can provide recommendations on adjustments to better position your finances. If this is your first time listening to our podcast, we hope you 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 week's episode of the Retirement Matters Podcast, we have a sort of proverbs show, though it's not about Bible stories or the Proverbs written by Solomon. Although we do mention a Bible story in this show, ironically, we are talking about financial proverbs. We cover a bit of everything, including retirement income planning, tax planning, and even address the idea of doomsday prepping in your retirement plan. All of this is covered in this episode, and I think you're going to find great value in it. These can be detrimental decsions in your retirement journey and RDS Wealth is here to help! 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 unpack what took place over the last couple weeks in the market and why it doesn't really matter. And to you as a retiree, or someone who's looking to invest money to be there for you in the future, whether that future is a couple of decades away, you should be making decisions and moves inside of these types of volatile markets based off of one thing and one thing alone, and it does not have to do with a jobless report that comes out on a Friday, it has to do with where you are in your retirement journey. Stay tuned as we delve deeper into this topic and provide insights to help you make informed decisions throughout the episode. Our team is here to help and happy to help, if you have questions, give us a call! 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 delve into what a healthcare plan can do for you if you have it, and what it will mean if you don't. At RDS Wealth, planning for your income isn't just an option; it's integral to your overall retirement plan. We believe in holistic planning, and as a firm, our goal is to assist clients in navigating key retirement decisions such as income, investments, taxes, healthcare, and legacy planning. These five areas become clear as we accompany you on your journey. While this show focuses on healthcare in retirement, it's crucial to consider that lacking a plan for healthcare expenses could significantly impact both your investment and income plans. It's safe to say that healthcare expenses could be the most substantial item in your retirement budget, regardless of your retirement goals. If you live long enough, having a solid healthcare plan will likely become essential, particularly for expenses like long-term care or Medicare – the focus of this episode. Our team is here to help and happy to help, if you have questions, give us a call! 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 jump into some specifics on ways to safeguard your investments- if you have seen a run up in the appreciation of your stocks that you own, a lot of times people will either want to pull that out and put it into cash or maybe some people think bonds are the way to go or CD's are the way to go, but if you still are fairly optimistic about the market, just concerned that maybe there is a pullback and depending again upon your objectives with this money, we highlight five specific ways that are known by most. 5 way we use to build a retirement portfolio that detaches your retirement success from the success of the stock market. In other words whether the markets good or bad you're still OK! Our team is here to help and happy to help, if you have questions, give us a call! 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 the specialty of retirement income planning and we are talking about an advisor who specializes in retirement! Specializing in retirement income phase is different than specializing in retirement growth phase. There are a lot of advisors out there who really have no specialty at all and then there are advisors who will help you establish a complete retirement plan. When you look deep into the plan, it's about more than just growing your money. It is about all of the decisions you have to make in the retirement income phase and this is where RDS Wealth comes in! Our team will assist a retiree and those who are approaching retirement in preparing for all of the decisions you have to make once you have entered into retirement or over the age of 65- all of those decisions that must be made. These can be detrimental decsions in your retirement journey and RDS Wealth is here to help! 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 jump into why the market is doing what it's doing right now! The show was recorded on 14 June 2024 and aired all across audience from the 15th through the 17th. These shows are fairly timely and what's going on at this point in time in the market is a run of artificial intelligent stocks. We compare that to 1998, 1999 and then the .com crash that took place in 2000- we are concerned for a lot of people who are close to retirement having bought into this craze seeing their account hit some all-time high and not really understanding if they should be bowing out now when everything is just getting good. We try our best to talk to a retiree, helping them understand that yes we may give up some opportunity cost, but still you have the ability to lock in some really good gains and not have to worry about the stock market succeeding any farther for you to still be OK. Our team is here to help and happy to help with any questions around your retirement plan! That's what we're here for! 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.

This weeks episode of The Retirement Matters Podcast, we go dive into what it means to retire with both a pension and 401(k)! There are a lot of people, specifically state workers who are retiring with both pensions and 401(k)'s. This is discussing the differences between those two and what you should be doing to set up your pension and your 401K correctly early on. Also, understanding that those are two different tools- we should not think that it's one or the other, but, we should use both of them together to build the most optimal retirement plan. We hope you 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 cover 3 keys topics that may impact your retirement journey! We disucss all the recent news around inflation and what it can mean for you, then we go into sequence of returns and volatility and how small timings of the market can be important for a retiree and, lastly we discuss a few things around Social Security and some miconceptions that aren't true that can impact your overall retirement! This show is packed with a lot of information that may already be on your mind if you're nearing 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 talk all about the baseline plan of record. A couple of weeks ago, we did a show where we reference the baseline plan of record- and today we go through what it takes to build a true baseline plan of record for all five areas that you will face in retirement! Income planning, investment planning, tax planning, healthcare planning and legacy planning. You don't want to miss this show! If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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 cover a lot of different things that you are going to face in retirement! The three topics that we discuss are Number One: what is a Roth IRA, Number Two: what inflation is and how it can impact your retirement plan and Number Three: we discuss how volatility can impact your retirement plan and how we can help you make sure that those things are mitigated. An awesome show in store for you guys, we hope you enjoy! If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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.

We're back again with one of our favorite shows- a show where we answer questions from our listeners! On this episode of The Retirement Matters Podcast, we have an array of questions that have come in over the last few months from the community involving several different scenarios and we like to answer those over the podcast because we believe that some of you may have similar questions and these answers may help you in your own situation! Tune in to today's podcast to hear a team member of RDS Wealth (Whitney) as she brings a few questions to the table for Dale to address. Tip: It's not about how much money you make, it's about how much money you keep! If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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 go into a quick brain teaser that actually plays a little bit of a role into understanding the complexities of retirement planning. Deeper into the show, we discuss what consolidation is inside of retirement planning, and why it may make sense for you if you have worked in a lot of different places, you may find yourself with a lot of different types of accounts that need to be brought all under one clear and easy to understand plan, and sometimes that means consolidating accounts altogether. Just like everything we recommend on our show, this decision to consolidate needs to be taken into effect with an overall plan and you need to be working with an advisor- if you would like a second set of eyes on your plan with someone who specializes specifically in retirement income phase, we would be happy to assist you with that! Call our office at 270-600-PLAN. We're here to help and happy to help! If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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 go into dividend investing, what it means in and a couple of myths around dividend investing. Things you need to be aware of before you go down that journey, and while we believe that it takes a lot more than just investing in strong dividends to make an income portfolio work, we talk a lot about the volatility of the stock market on this show and you don't want to miss it! It's not about how much money you make, it's about how much you keep! If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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 make this show a little fun and discuss how retirement planning resembles March Madness! We use a little analogy on progression through the bracket, and how you should be progressing through your retirement years. Stay tuned to the end of the show-you're not gonna want to miss it! If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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 jump into what Dale calls the Mr. Miyagi theory to retirement planning! We have recently written an article that has been picked up by one of the nations leading financial publications, Kiplinger magazine, and in the process of publishing that article! The article is called The Risk on Risk off Portfolio! Something we called the Mr. Miyagi portfolio because of the reference to wax on wax off. In this case, it is risk on risk off. We believe that every retirees income phase needs to have a portfolio that is built around this idea of somebody going with market volatility ups and downs, while we try our best to eliminate or mitigate downside. This is considered our risk on position and then we want some money that has absolutely no chance of downside, which is what we would consider a risk off position. In the show we go a little bit deeper in detail and as you can imagine we've titled the show what does Mr. Miyagi have to do with retirement planning? We hope you enjoy! If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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 episde of The Retirement Matters Podcast, we start with a very powerful positive focus and this positivity goes into a racing analogy that applies to life as well! We then go into discussing the highflying stock like Nvidia and whether or not a retiree should be partaking in those types of stocks in a well balanced retirement income plan. You don't want to miss this show! Stay tuned into the last segment where we discuss a story that equates your retirement income plan to a commercial airline flight path! It's not about how much money you make, it's about how much you keep! If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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 taxation and how it can impact your overall retirement plan! We list off some of the key TAXES that you may face during retirement and explain how mitigating those as much as possible sometimes requires it's own unique set of tools during the INCOME phase of your retirement journey- BUT, that's where RDS comes in! As you enter into retirement (income phase), be sure you are talking to an income advisor, someone that specializes in retirement and the income phase- especially someone that gives you guidance around taxation in retirement! We are here to help! It's not about how much money you make, it's about how much you keep! If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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.

We're back again with one of our favorite shows- a show where we answer questions from our listeners! On this episode of The Retirement Matters Podcast, we have an array of questions that have come in over the last few months from the community involving several different scenarios and we like to answer those over the podcast because we believe that some of you may have similar questions and these answers may help you in your own situation! Tune in to today's podcast to hear a team member of RDS Wealth (Whitney) as she brings a few questions to the table for Dale to address. Tip: It's not about how much money you make, it's about how much money you keep! If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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 do a little bit of a deep dive around interest rates. We go very deep for a radio show and how there is a correlation between interest rates and price of bonds and we even give you a visual, but I hope you can see as you're listening to this on how those two relate to one another. We discuss the impact of what an interest-rate move up or down by the Fed can due to a stock that you may own and then, as we go into the show a little deeper, we discuss why it's important to have a purpose in Retirement! We're here to help and happy to help! If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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 discuss what is going on in the stock market right now, the last week of January 2024. We're seeing some all-time highs be reached in the stock market this month and with these all-time highs, perhaps there are some opportunities that lie inside of your retirement account- so we asked the question how is your retirement account looking after 2023 with one month down and 11 months to go in the year 2024 and are you close to Retirement? If so, should you be making some adjustments? We're here to help and happy to help! If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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.

This episode of the Retirement Matters podcast, we talk to you about Roth IRAs. We take a minute to build up our explanation of why we believe taxes will increase, and why retirees should be planning for a higher tax environment when they retire in the future. With this knowledge, we make recommendations based off of a retirees goals. There are a lot of times, where CPAs or other advisors even may say, let's invest your money into an IRA or to your 401(k) when in reality, they should be looking at it more holistically, especially as we approach the Retirement Income phase and begin to plan for retirement income. It doesn't really matter how much money your investments make it's all about how much money you get to keep! That's why at RDS Wealth, we believe in a well written tax plan- understanding what you will be paying, where that money will come from and ultimately is there any savings to be had by doing some moves now and filling up the existing tax bracket you find yourself in. We're here to help and happy to help! Give our team a call! If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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 have a very special guest joining us in studio- Mr. Andrew Smothers. Andrew is Dale's 7 year old son and he is so exicted to be joining us today! On this episode, Andrews youth- his innocence as a child is used to illustrate a few incredible things, even something that can be relatbale to you in the retirement world! Something that can sound really cool or 'neat' to have, but may not exactly be the BEST thing for you at this time and place or situation you're in. We hope you enjoy the show! If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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, our objective is clear. Dale brings clarity to you around NOT chasing returns. We want to be sure that our listeners are not out seeking the highest rate of return possible without understanding exactly what it is they need the stock market to do for them, and with that we introduce a few stories and a couple analogies. Of course we do our pause for positivity to give some insight. If there is anything we can do for you as you are listening to this podcast today, we want to extend our services to you as an offer to sit down with someone on our team! If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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 Show, Dale brings education to you around 'reactions to the stock market' and what it can entail. Recently, there have been a lot of questions come our way regarding the market- wondering if they should act and get in now. Our goal in this show is to help educate the listener on whether or not they should be 'reacting' to what's going on in the market. With that being said, whether the market is good or bad, don't overreact. Just because the stock market does what the stock rises/falls does not always require a reaction from you and a lot of times what we physically and emotionally want to do is the wrong decision because of an overreaction. If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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 Show with Dale Smothers, we're excited to bring to you our NEWER show called 'Best Of'! Dale brings to you the best versions of some of our favorite segments we've done throughout our podcast and he does a quick recap of them. If you're new to the show, this will be a great chance for you to learn what our show is all about and for some you, this will will be a little refresher OR maybe even a few clips that you haven't heard before. Our objective is to bring you all the highlights from our best segments over the past year for you to enjoy! If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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 do a deep dive into the income plan, talk a little bit about the investment plan and then at the very end hit on our tax planning strategies for most retirees. Every retirement plan is built differently, because every retirement plan is unique to the individual we're building it for, however it's very imperative that an individual going into retirement has clarity around how much money they need, that their investments are built to be able to generate that money and then of course, that their tax plan is built to deliver that money or get that money to them as efficiently as possible! A great show we have in store for you today, we hope you enjoy! If you have questions or looking for guidance give our team a call at 270-600-PLAN! Join our Newsletter here! Visit our Website here! RDS Wealth Instagram here! RDS Wealth Facebook here! 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 episdoe of the Retirement Matters Podcast, Dale talks with you about the baseline plan of record! We did a show recently where we reference the baseline plan of record and today he brings this to you in detail. He goes through what it takes to build a true baseline plan of record for all five areas that you will face in retirement including: investment planning, tax planning, healthcare planning and legacy planning. This is a power packed show and if you have not heard about a baseline plan of record and you're not working with an advisor who has built a baseline plan of record for you AND you're over the age of 59 1/2 you need to give our team a call! 270-600-PLAN. Tip: It's not about how much money you make, it's about how much money you keep! If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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. 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.

We're back again with one of our favorite shows- a show where we answer questions from our listeners! On this episode of The Retirement Matters Podcast, we have an array of questions that have come in over the last few months from the community involving several different scenarios and we like to answer those over the podcast because we believe that some of you may have similar questions and these answers may help you in your own situation! Tune in to today's podcast to hear a team member of RDS Wealth (Whitney) as she brings a few questions to the table for Dale to address. Tip: It's not about how much money you make, it's about how much money you keep! If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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. 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 Show with Dale Smothers, we're excited to bring to you a brand NEW show called 'Best Of'! Dale brings to you the best versions of some of our favorite segments we've done throughout our podcast and he does a quick recap of them. If you're new to the show, this will be a great chance for you to learn what our show is all about and for some you, this will will be a little refresher OR maybe even a few clips that you haven't heard before. Our objective is to bring you all the highlights from our best segments over the past year for you to enjoy! If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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. 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, Dale brings to you a really neat analogy of how the market works. He talks about a five sided coin! We know this coin has a certain number of heads and a certain number of tails, and just because you get a bad flip every so often doesn't mean you stop playing the game. Especially since the odds are so much in your favor. The stock market works very similarly! If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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. 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, Dale talks with you about a 72T and a rule of 55 distribution. These two distributions are both used for the same purpose but in different applications. They're both designed to allow you to get to your money earlier than 59 1/2 but without penalty. However, both of them should be considered a last alternative if it all possible. Whether or not these rules are for you should be determined the inside of a well written retirement plan! That's why we bring this information to you. Understanding a little bit about this could potentially prompt you to discuss things with your financial advisor. With that being said, if you are working with someone already and this information hasn't been brought to you proactively...you may be working with a growth advisor. This is NOT to scare you, it just may be time to transition to an income advisor that specializes in income during retirement. If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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. 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 Show, Dale talks with you about exactly what it means when you see a percentage rate of return, followed by APY. This becomes very important for savers, especially now as interest rates begin to climb into the fives and even the sixes on some short term investment vehicles that we're seeing out there! You will see these investment 'vehicles' or contracts that will often display a rate of return that sometimes can become confusing when comparing one to the other. They are utilmately there to 'grow' your money but, today, Dale will provide some clarity around the details inside of those contracts and what a percentage rate of return followed by APY really means. If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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. 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 Show with Dale Smothers, Dale tells you a story of a time that he and his family went to Disney World where they were left without a map and the result of that visit to Disney World was not as optimal as it would've been had they had a map! He relates that story to retirement planning and explains the importancy of a map and a plan during retirement! That's why we have our ATLAS! Our detailed atlas provides you with carity around where you want to go and how to get there along with giving you the ability to truly live an optimal retirement! If you need a roadmap, we have the ATLAS! If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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. 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, Dale discusses something with you that is near and dear to his heart. Our ATLAS. RDS Wealths process that we take every single retiree through.. starting with your income planning, follwowed by investment planning, tax planning (how we can save you money in taxes in retirement), healthcare planning and lastly, legacy planning (making sure that money is left to those you care about the most). Our retirement ATLAS is our trademarked process that allows YOU to have a map when you retire. A map that will give you clarity around where you want to go and how to get there along with giving you the ability to truly live an optimal retirement! If you need a roadmap, we have the ATLAS. If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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. 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, Dale explains how important a MAP can be during retirement by using parallels to a story based around Disney World! During the retirement income phase, it will be difficult to live an optimal retirment and know exactly where you'll end up while being free of worry without a MAP! There are a lot of decisions to make during this phase and any wrong turn can be detrimental to your entire plan. RDS Wealth is here to help build YOUR map and unfold it right in front of you- that's who we are. We're here to build the roadmap you need for the five key worlds of retirement- those being investment planning, tax planning, income planning, healthcare planning and legacy planning! Don't go through retirement without a map- let us help you! 270-600-PLAN. If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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. 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.

We're back again with one of our favorite shows- a show where we answer questions from our listeners! On this episode of The Retirement Matters Podcast, we have an array of questions that have come in over the last few months from the community involving several different scenarios and we like to answer those over the podcast because we believe that some of you may have similar questions and these answers may help you in your own situation! Tune in to today's podcast to hear a team member of RDS Wealth (Whitney) as she brings a few questions to the table for Dale to address. Tip: It's not about how much money you make, it's about how much money you keep! If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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. 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, Dale talks about the number one question you need to know the answer to and that is how much income will you need in retirement! From there, a good retirement advisor should be able to structure a plan that not only tells you how long that money will last, but perhaps maybe even save you from some major market corrections that are sure to come your way if you live long enough. Structuring this plan in a way where you know where you're going is key- you can't hit a target if you can't see the target and that is why it's important to adjust and fix your eyes on a specific income target! Too many retirees are going into retirement, not knowing what their income goals are, and for that reason they will likely never achieve the type of retirement they have always imagined. They will likely live what we call the 'what if' retirement which leads to them never spending all of their money or at least not the amount of money they could have spent! Don't live a 'what if' retirement- our team can help you! If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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. 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, Dale goes into two stories- the first one being about a positive mindset and inward reflection. Always making sure that you're helping people in the right way! The second story brings an analogy between a car battery pack and the protection you need you need to put on your income during retirement years! In order to make sure your retirement is EVERYTHING you've imagined it to be- we must have protection. Don't wait until the storm comes before you buy an umbrella. * It's not about how much money you make, it's about how much money you keep! If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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. 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.

We're back again with one of our favorite shows- a show where we answer questions from our listeners! On this episode of The Retirement Matters Podcast, we have an array of questions that have come in over the last few months from the community involving several different scenarios and we like to answer those over the podcast because we believe that some of you may have similar questions and these answers may help you in your own situation! Tune in to today's podcast to hear a team member of RDS Wealth (Whitney) as she brings a few questions to the table for Dale to address. Tip: It's not about how much money you make, it's about how much money you keep! If you have questions or looking for guidance give our team a call at 270-600-PLAN! 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. 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.