The Retirement Matters Show with Dale Smothers

Using Nvidia's most recent earnings report as a real-world example, Dale breaks down why it's so important to know exactly how much exposure you have to any single stock or sector in your portfolio  and why this matters just as much whether you're listening the week this aired or years down the road. The principle is simple but often overlooked: know what you own, understand why you own it, and make sure every dollar in your portfolio has a job. Why single-stock exposure can catch investors off guard How to evaluate sector concentration in your portfolio Why "know what you own" matters more as you approach retirement income How to build a plan where every dollar has a purpose Book a complimentary review with our team: 270.600.PLAN | rdsmotherswealth.com/contact #retirement #investing #RetirementMattersPodcast #RetirementPlanning #RetireTheWayYouDesire #RDSWealthManagement Save Money. Plan Well. Live Happy.™   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.

Investing is only one piece of a real retirement plan. In this episode of the Retirement Matters Podcast, we break down why income planning, tax planning, healthcare planning, and legacy planning all have to work together with your investment strategy- not sit in separate silos- especially as you approach the retirement income phase. If you're getting close to retirement, this episode brings it all together in one place so you understand what each part of your plan is actually supposed to be doing for you. Why investing alone isn't a retirement plan How income, tax, healthcare, and legacy planning connect What "having it all work together" actually looks like Why this matters most as you approach the income phase Book a complimentary review with our team: 270.600.PLAN | rdsmotherswealth.com/contact #RetirementMattersPodcast #RetirementPlanning #RetireTheWayYouDesire #RDSWealthManagement Save Money. Plan Well. Live Happy.™   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 Retirement Matters, Dale Smothers covers a wide range of topics retirees and pre-retirees need to hear right now- including how to know if your financial advisor is actually working in your best interest, what's happening in the bond market and how it could affect your retirement accounts in both the short and long term, and a breakdown of key tax considerations heading into retirement. Dale also shares the specific markers that signal you're truly ready to walk away from a stable paycheck and why so many people retire "okay" but never get the confident, fully-planned retirement they worked so hard for. 📞 Ready to build a plan you can walk into retirement with confidence? Call 270.600.PLAN or visit rdsmotherswealth.com/contact #RetirementMattersPodcast #RetirementPlanning #RetireTheWayYouDesire #RDSWealthManagement #retirement Save Money. Plan Well. Live Happy.™   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.

Americans now estimate they need a record $1.46 million to retire comfortably by age 65. Financial coverage highlights that 46% of U.S. adults feel unprepared, and impending Social Security trust fund shortfalls add urgency to personal savings strategies. With rising costs of everything, making smart money moves have become more important than ever. Dale Smothers, founder of R.D. Smothers Wealth Management, joins Tonya Powers with the Evening Edit at Fox Business to share his best advice on how to enter your retirement in the best financial standing you can! To speak with our team at RD Smothers Wealth Management: 📞 270.600.PLAN or schedule a complimentary 15 minute call below! 🌐 rdsmotherswealth.com/contact   #RetirementPlanning #HomesteadExemption #investing #foxbusiness #TaxStrategy #RetirementIncome  Retire the Way You Desire™   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.  

Are you afraid of running out of money in retirement? In this episode of the Retirement Matters Podcast, Dale Smothers tackles that fear head-on- and share why having the confidence to actually spend what you've saved is just as important as saving it in the first place. Plus: a Kentucky-specific tax strategy every retiree should know about- the state retirement income exclusion. If you live in Kentucky, this could save you real money. Not in Kentucky? Many other states offer something similar, and RDS Wealth Management works with clients nationwide to find the strategies that fit your state and situation.   Want to know how the homestead exemption and other tax strategies apply to your own retirement plan? 📞 270.600.PLAN or schedule a complimentary call below! 🌐 rdsmotherswealth.com/contact   #RetirementPlanning #HomesteadExemption #PropertyTaxes #KentuckyRetirement #TaxStrategy #RetirementIncome #investing Retire the Way You Desire™   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.  

div]:bg-bg-000/50 [&_pre>div]:border-0.5 [&_pre>div]:border-border-400 [&_.ignore-pre-bg>div]:bg-transparent [&_.standard-markdown_:is(p,blockquote,h1,h2,h3,h4,h5,h6)]:pl-2 [&_.standard-markdown_:is(p,blockquote,ul,ol,h1,h2,h3,h4,h5,h6)]:pr-8 [&_.progressive-markdown_:is(p,blockquote,h1,h2,h3,h4,h5,h6)]:pl-2 [&_.progressive-markdown_:is(p,blockquote,ul,ol,h1,h2,h3,h4,h5,h6)]:pr-8"> _*]:min-w-0 gap-3 [&_>_*:last-child]:mb-0 print:block print:[&_>_*_+_*]:mt-3 standard-markdown"> On this episode of the Retirement Matters Podcast, Dale Smothers brings in guest: Local PVA Chad Shively to break down the homestead exemption for Kentucky retirees and why listeners in every state should be paying attention too. Every state offers some version of this exemption; some save you more, some save you less, but almost all of them are underused simply because retirees don't know to ask. In this episode: What the homestead exemption is and how it can reduce your property tax burden in retirement Why exemptions like this should be a standard part of any income-phase tax strategy not an afterthought How working with a retirement income specialist (versus a growth-focused advisor) changes the way your plan is built around saving you money in taxes Why Roth conversions make sense for some retirees and not others — and how to know which camp you're in How stacking these strategies puts more money back in your pocket without adding stock market risk Want to know how the homestead exemption and other tax strategies apply to your own retirement plan? 📞 270.600.PLAN 🌐 rdsmotherswealth.com/contact   #RetirementPlanning #HomesteadExemption #PropertyTaxes #KentuckyRetirement #TaxStrategy #RetirementIncome Retire the Way You Desire™   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.          

Every dollar in your portfolio should have a job, but figuring out what that job is could be its own show. In this episode of the Retirement Matters Podcast, we go beyond asset allocation to talk about giving your money real purpose for the long haul, plus how to keep more of your hard-earned money by paying less to the IRS. It's a tightly packed episode, so expect to walk away with more than you came in with. 📞 Have questions about your own retirement plan? Call our team at 270.600.PLAN or visit rdsmotherswealth.com/contact. Enjoying the show? Leaving a review on your podcast platform of choice genuinely helps us reach more people who need this content- we'd be grateful if you took a minute to leave one. #RetirementPlanning #TaxStrategy #RetirementIncome Retire the Way You Desire™   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.

Think your taxes will be lower in retirement? For a lot of families, it's the opposite and by the time they realize it, the window to do anything about it has closed. In this episode, Dale and Dalton break down why proactive planning around Roth conversions is one of the most powerful and most overlooked tools in a retirement plan. They cover how the right team approach (not just one advisor working in isolation) helps you know when a Roth conversion actually makes sense, how it can lower the tax burden your beneficiaries inherit, and why waiting too long to convert can turn into a costly mistake. They also walk through why Legacy is the fifth and final piece of the RDS Wealth Retirement Atlas and why a plan isn't truly holistic unless it addresses all five roadmaps: Income, Investment, Tax, Healthcare, and Legacy. 📞 Wondering if a Roth conversion makes sense for your situation?  Need a Second Opinion on your plan? Call us at 270.600.PLAN or visit rdsmotherswealth.com/contact #RothConversion #RetirementPlanning #LegacyPlanning #TaxPlanning Retire the Way You Desire™    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.

What are the three biggest fears retirees face as they enter retirement? In this episode of the Retirement Matters Podcast, we discuss the most common concerns that can make or break your retirement success and why answering these questions before you retire can make all the difference. If you're approaching retirement or beginning to think about your retirement income plan, this episode will help you prepare for the transition with greater confidence. Learn how thoughtful planning can help reduce uncertainty, protect your retirement lifestyle, and create a strategy designed for long-term success. At RDS Wealth, we help individuals and families navigate every stage of retirement planning, from building reliable retirement income to tax planning, investment management, healthcare planning, and legacy planning. 📞 Ready to build your retirement plan? Call (270) 600-PLAN to schedule a conversation with our team. Or visit https://rdsmotherswealth.com/contact/ to scheudle! Topics Covered: The biggest retirement fears Retirement income planning Preparing for retirement Financial planning for retirees Creating confidence in retirement Retirement strategies that work #RetirementPlanning #Retirement #RetirementIncome #FinancialPlanning #RetireWithConfidence #RetirementMatters #WealthManagement #RetirementPodcast #RetireSmart #RDSWealth   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.

Whether you're still building wealth or already living off your portfolio, compound interest plays a different, but critical role in your retirement plan. On this episode of the Retirement Matters Podcast, Dale Smothers breaks down how compound interest works across both the growth phase and income phase of retirement, and why understanding the difference could change how you plan. If you're in the growth phase, stick around until the end for a deeper dive into how compounding builds long-term wealth. If you're already in the income phase, jump to the middle of the episode where we discuss how to think about compound interest once you're drawing income. No matter where you are on your retirement journey, this episode will help you understand how this powerful financial concept applies to your specific situation. 📞 Ready to talk through your own Income, Investment, Tax, Healthcare, or Legacy Map? Call 270.600.PLAN or visit rdsmotherswealth.com/contact to schedule a conversation. #RetirementPlanning #CompoundInterest #RetirementIncome #FinancialPlanning Retire the Way You Desire™   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.

As America celebrates 250 years of independence, this episode explores another kind of freedom- financial independence in retirement. Learn why taxes can become one of your biggest retirement expenses, how poor tax planning can force retirees to pay far more than necessary, and why having a proactive retirement tax strategy is just as important as your investment plan. Discover the common mistakes retirees make with IRA withdrawals, Roth conversions, retirement income planning, and Required Minimum Distributions (RMDs). We also discuss why the years between age 59½ and 65 can be a valuable window for tax planning and how a customized retirement income strategy can help reduce your lifetime tax burden. Whether you're approaching retirement or already retired, this episode explains why successful retirement planning goes beyond investments- it requires a coordinated tax strategy. In this episode: Celebrating America's 250th Independence Day What financial independence really means in retirement Why taxes are often your biggest retirement expense Common retirement tax planning mistakes How Roth conversions can help or hurt- without a plan Why ages 59½ to 65 are critical for retirement tax planning Building a retirement income strategy that helps minimize lifetime taxes If you're preparing for retirement, this episode will help you understand how thoughtful tax planning can protect more of your retirement income and help you retire with greater confidence. #RetirementPlanning #RetirementTaxes #TaxPlanning #FinancialIndependence #RetirementIncome #RothConversion #RetirementStrategy #RetireTheWayYouDesire #RDSWealth #401k #IRA #PersonalFinance   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.

Taxes can quietly erode your retirement savings if you don't have a plan in place. On this episode of the Retirement Matters Podcast, Dale breaks down Roth conversions every pre-retiree should be thinking about- helping you keep more of what you've saved and avoid costly surprises down the road. He also weighs in on why chasing hot stocks like SpaceX isn't the same as having a real retirement plan, and why knowing what you own matters just as much as knowing your tax picture. If your advisor isn't talking to you about tax strategies like Roth conversions, we're here to help. Give us a call at 270.600.PLAN or visit rdsmotherswealth.com/contact to schedule your free consultation. #RothConversion #TaxPlanning #RetirementStrategy #KentuckyRetirement Retire the Way You Desire™   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. 

Most people walk into retirement with a portfolio but no plan. On this episode of the Retirement Matters Podcast, Dale breaks down the Five Maps that RDS Wealth Management builds for every client and goes deep on two of them! Here's what's covered: The Income Map- How to coordinate Social Security, pensions, and portfolio withdrawals so your paycheck never stops. The Investment Map- How to construct your portfolio around income first, growth second, and protection always- because losses hurt more than gains help. The Tax Map- How smart tax planning can add real value to your retirement portfolio. (This one surprises people.) The Healthcare Map- Navigating Medicare, long-term care, and everything in between. The Legacy Map- Making sure the money you don't spend ends up exactly where you want it. When these five maps work together, retirement stops being something you worry about and starts being something you enjoy. 📞 Ready to build your five maps? Call 270.600.PLAN or visit rdsmotherswealth.com/contact   #RetirementPlanning #RetirementIncome #FinancialPlanning #RetirementPodcast Retire the Way You Desire™    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. 

Some of the most common retirement advice out there is missing the mark and if you're nearing retirement or starting to picture what it looks like, it's worth a second look before you build your plan around it.  On this episode of the Retirement Matters Podcast, Dale breaks down the retirement "rules" worth rethinking: how to invest with confidence without giving up upside, how to plan your spending instead of guessing at it, whether leaving an inheritance changes your strategy, and how taxes quietly shape every decision along the way. This episode is really about one thing: defining your purpose for retirement first, then building the financial plan that actually supports it- not the other way around. Topics covered: Why common retirement advice often misses the mark Investing with confidence without sacrificing upside Rethinking how you plan to spend in retirement Inheritance: should it change your strategy? How taxes shape your retirement income Curious how our Five Maps approach could apply to your own retirement? Our team is ready to walk through it with you- and if you're not ready yet, that's okay too.  Call 270.600.PLAN or visit rdsmotherswealth.com/contact when you are. #RetirementPlanning #RetirementAdvice #FinancialPlanning Retire the Way You Desire™ — Save Money. Plan Well. Live Happy.   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. 

The SpaceX IPO is coming and I'm here to tell you to pump the brakes before you get caught up in the hype. On this episode of the Retirement Matters Podcast, we break down why the SpaceX IPO is not your grandfather's IPO. Don't compare it to Apple. Don't compare it to Amazon. The fundamentals of how initial public offerings work have completely changed and if you're a retail investor expecting a massive pop on day one, you may be setting yourself up for disappointment. Here's the hard truth: by the time SpaceX hits the public market, accredited investors and venture capitalists will have already taken their cut. The early money has already been made. Retail investors are often last in line- and last in line usually means table scraps. We explain exactly why this IPO cycle is different, what you should realistically expect, and how to think about high-profile IPOs as part of a disciplined retirement investment strategy. If you're planning your retirement around the next big IPO- this episode is required listening. 🎙️ Subscribe to the Retirement Matters Podcast for weekly market insights, retirement income strategies, and straight talk on the investments everyone is buzzing about. 📅 Questions about your retirement plan? 👉 rdsmotherswealth.com/contact | 270.600.PLAN Get your FREE Atlas Toolkit Here! #SpaceXIPO #SpaceX #IPO #RetirementPlanning #RetirementMatters #DaleSmothers #RDSWealth #Investing #StockMarket #WealthManagement #RetailInvesting #ElonMusk #IPOInvesting 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. 

Our CEO, Dale Smothers joins Stuart Varney on Fox Business to break down the AI stock boom, Nvidia earnings, and the investment opportunities beyond the biggest tech names. In this interview, Dale explains why investors should look at the "picks and shovels" stocks powering the AI revolution, including semiconductor and infrastructure companies tied to artificial intelligence growth. He also discusses Nvidia, Nebius, CoreWeave, Astera Labs, AI connectivity, semiconductor valuations, and why disciplined investing matters in today's market. Topics Covered: • Nvidia earnings and AI market impact • AI infrastructure and semiconductor stocks • Nebius vs. CoreWeave  • Astera Labs and AI connectivity • Why the S&P 500 could eventually reach 8000 • Risks of chasing returns in a volatile market • Inflation, oil prices, and market "speed bumps" • Long-term investing strategy and market discipline 📅 Schedule Your Complimentary 15 Min Consultation: https://rdsmotherswealth.com/contact/ 📞 Call: (270) 600-PLAN  Get your FREE ATLAS Toolkit Here: https://rdsmotherswealth.com/toolkit/ 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 . #Nvidia #AIStocks #StockMarket #Investing #FoxBusiness #DaleSmothers #ArtificialIntelligence #SP500 #Semiconductors #AsteraLabs #CoreWeave #Nebius

Our CEO, Dale Smothers RICP, MBA joins Schwab Network to discuss potential stock market tailwinds. He says in order for the S&P 500 (SPX) to hit 8,000, AI demand must continue to spark optimism, oil prices cannot climb, earnings must grow, and investors must stay calm through summer volatility. Dale also talks about how to navigate the sell-off into this weekend and his expectations for market volatility.   At RDS Wealth, we believe successful investing isn't about chasing the latest trend- it's about building a strategy that aligns with your goals, risk tolerance, and retirement plan.   📅 Schedule Your Complimentary 15 Min Consultation: https://rdsmotherswealth.com/contact/   📞 Call: (270) 600-PLAN   Get your FREE ATLAS Toolkit Here: https://rdsmotherswealth.com/toolkit/   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

SpaceX may be one of the most anticipated IPOs in history, but our CEO Dale Smothers cautions investors against chasing headlines and hype. In this conversation with Lou Basenese, Dale shares why successful investing isn't about predicting the next big stock, but building a disciplined strategy that aligns with your long-term goals. From the rise of artificial intelligence and semiconductor stocks to the future of the Magnificent Seven, Dale breaks down what investors need to know about today's market environment. He explains why he's optimistic about AI's long-term impact, where he sees opportunities in companies like Microsoft and Oracle, and why some of Wall Street's favorite names may not be positioned for the next phase of growth. Dale also discusses market risks, inflation concerns, geopolitical uncertainty, and how retirees can navigate volatility without sacrificing their financial future. Whether you're accumulating wealth or preparing for retirement, this conversation offers practical insights for building confidence in your financial plan.  📅 Ready to create your personalized retirement blueprint? Schedule a complimentary consultation with the RDS Wealth team: https://www.rdswealth.com 📞 Call us: (270) 600-PLAN ⏱ CHAPTERS 0:00 Introduction 0:56 Is AI a bubble?  2:46 Where are the biggest AI opportunities?  4:14 Why Oracle remains attractive  5:24 AI's impact across industries  6:48 An under-the-radar AI opportunity  8:24 SpaceX IPO expectations and investor caution 10:45 Breaking down the Magnificent Seven 13:08 Inflation, oil, and market outlook 16:23 Personal reflections and perspective 19:22 Managing risk in today's market 21:00 Retirement planning: accumulation vs. distribution  23:14 Choosing the right financial vehicle 24:30 Understanding investor behavior 25:33 The long-term implications of AI Get your FREE ATLAS Toolkit Here: https://rdsmotherswealth.com/toolkit/ 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, Dale Smothers breaks down recent national TV appearances and market commentary featured on Fox Business, CNBC, Yahoo Finance, Bloomberg, Schwab Network, NYSE TV, and more- all through the lens of retirement planning. If you're approaching retirement or already retired, this episode explains why protecting your wealth matters more than chasing market gains. Dale shares practical retirement investment strategies, discusses stock market volatility, and explains why discipline inside your portfolio is critical during uncertain economic times. You'll hear insights on: Retirement planning strategies for 2026 Why market losses hurt retirees more than gains help Managing risk in retirement portfolios Stock market volatility and retirement income The importance of portfolio discipline National market commentary translated for real retirees At RDS Wealth, we believe retirement isn't just about growing your money- it's about keeping it. This episode is designed to help retirees and pre-retirees make smarter financial decisions and avoid leaving their retirement future to chance. 📞 Ready to build a retirement plan designed for today's market? Call our team at 270-600-PLAN or visit rdswealth.com to schedule your personalized retirement consultation. 🔔 Subscribe for weekly retirement planning insights, stock market updates, income strategies, and financial education designed specifically for retirees.   Get your FREE ATLAS Toolkit: https://rdsmotherswealth.com/toolkit/   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 #RetirementPlanning #Retirement #StockMarket #RetirementIncome #FinancialPlanning #Investing #MarketVolatility #RetirementPodcast #DaleSmothers #RDSWealth  

On today's podcast of the Retirement Matters Podcast, Retirement expert Tom Hegna joins Dale Smothers to discuss the retirement income strategies that help retirees create guaranteed lifetime income, reduce stress, and retire with confidence. In this interview, Tom explains: Why retirement is about income, not just assets How guaranteed lifetime income works The truth about annuities and retirement planning Social Security claiming strategies for couples Long-term care planning mistakes retirees make Sequence of returns risk explained How to protect retirement income from inflation Why retirees need a retirement income blueprint If you are nearing retirement or already retired, this conversation offers practical retirement planning advice designed to help you build financial security and long-term peace of mind. 📘 Featured Concepts: ✔️ Guaranteed Lifetime Income ✔️ Retirement Income Planning ✔️ Social Security Strategies ✔️ Long-Term Care Planning ✔️ Annuities Explained ✔️ Retirement Cash Flow Planning 📞 Learn more about retirement income planning with RDS Wealth Management #RetirementPlanning #TomHegna #GuaranteedIncome #Annuities #SocialSecurity #RetirementIncome #FinancialPlanning #DaleSmothers #RetireHappy #WealthManagement Timestamps 00:00 – Introduction to Tom Hegna 01:10 – How Tom Entered the Retirement Industry 04:20 – "Paychecks & Playchecks" Explained 06:00 – Why Retirement Is About Income 08:15 – The Truth About Annuities 12:45 – Biggest Retirement Mistakes 16:45 – Social Security Strategies for Couples 19:15 – Longevity & Inflation Risks 20:20 – The "Flooring" Retirement Income Strategy 22:30 – Sequence of Returns Risk Explained 24:15 – How Lifetime Income Creates Liquidity 27:35 – Advice for 2026 Retirees 29:10 – What Happy Retirees Have in Common   📞 Schedule a complimentary consultation with RDS Wealth: https://rdsmotherswealth.com/contact/   Get your FREE ATLAS Toolkit: https://rdsmotherswealth.com/toolkit/   DISCLOSURE: R.D. Smothers Wealth Management is a state-registered investment adviser under the laws of the Commonwealth of Kentucky. Registration as an investment adviser does not imply any level of skill or training. Insurance products and services are offered and sold through RDS Insurance Group. R.D. Smothers Wealth Management and RDS Insurance Group are affiliated but separate entities. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. For more information please visit: https://adviserinfo.sec.gov and search for our firm name. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future  

Dale Smothers joins Charles Payne on Fox Business how investors approaching retirement can navigate AI-driven market gains, avoid chasing returns, and protect their portfolios from volatility, inflation, and geopolitical risk. If you're within five years of retirement, now is not the time to chase high-flying AI stocks or take unnecessary risks.    In this discussion, Dale Smothers explains why pre-retirees should stay disciplined, avoid overexposure to market volatility, and rethink the traditional 60/40 portfolio strategy. Learn how geopolitical tension, sticky inflation, AI-driven market concentration, and upcoming political events could impact your retirement income plan and what you can do to better protect your nest egg.   Topics Covered: Retirement planning for those within 5 years of retirement  Why chasing AI and technology stocks can be dangerous Traditional 60/40 portfolio alternatives Market volatility, inflation, and geopolitical risks  How to generate reliable retirement income S&P 500 outlook and investment discipline If you're preparing for retirement, this video offers practical strategies to help you protect your wealth and stay on track.     📞 Schedule a complimentary consultation with RDS Wealth: https://rdsmotherswealth.com/contact/   Get your FREE ATLAS Toolkit: https://rdsmotherswealth.com/toolkit/   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

Our CEO, Dale Smothers joins Stuart Varney on Fox Business to break down the AI stock boom, Nvidia earnings, and the investment opportunities beyond the biggest tech names. In this interview, Dale explains why investors should look at the "picks and shovels" stocks powering the AI revolution, including semiconductor and infrastructure companies tied to artificial intelligence growth. He also discusses Nvidia, Nebius, CoreWeave, Astera Labs, AI connectivity, semiconductor valuations, and why disciplined investing matters in today's market.  Topics Covered:  • Nvidia earnings and AI market impact  • AI infrastructure and semiconductor stocks • Nebius vs. CoreWeave • Astera Labs and AI connectivity  • Why the S&P 500 could eventually reach 8000 • Risks of chasing returns in a volatile market • Inflation, oil prices, and market "speed bumps" • Long-term investing strategy and market discipline If you enjoy market insights, AI investing analysis, and stock market commentary, be sure to like, subscribe, and turn on notifications for more updates.    #Nvidia #AIStocks #StockMarket #Investing #FoxBusiness #DaleSmothers #ArtificialIntelligence #SP500 #Semiconductors #AsteraLabs #CoreWeave #Nebius   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. 

*]:pointer-events-auto R6Vx5W_threadScrollVars scroll-mb-[calc(var(--scroll-root-safe-area-inset-bottom,0px)+var(--thread-response-height))] scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]" dir="auto" data-turn-id= "request-WEB:cae47730-564a-45b4-bf63-efe7966351f2-3" data-turn-id-container= "request-WEB:cae47730-564a-45b4-bf63-efe7966351f2-3" data-testid= "conversation-turn-2" data-scroll-anchor="false" data-turn= "assistant"> In this special sneak peek episode, Dale previews an upcoming in-depth conversation with renowned retirement expert Tom Hegna. Known for simplifying complex financial and retirement planning topics seen on national TV and stages across the country, Tom shares powerful insights on retirement income planning, market risk, financial security, and why traditional growth-focused financial advice may not be enough for retirees. This episode dives into key retirement strategies, protecting your nest egg from stock market volatility, creating reliable retirement income, and understanding the risks many financial advisors overlook. If you're nearing retirement or already retired, this conversation offers valuable financial education designed to help you retire with confidence. Topics include: Retirement planning strategies Market risk in retirement Retirement income solutions Financial planning for retirees Stock market volatility and retirement Safe retirement withdrawal strategies Long-term financial security Retirement mindset and wealth preservation Don't miss this preview episode before the full podcast interview with Tom Hegna drops. 🔍 Are you within 5 years of retirement? Now is the time to make sure you understand who is advising you, how they're compensated, and whether the products in your portfolio are truly built for YOUR benefit. 📞 Schedule a complimentary consultation with RDS Wealth: https://rdsmotherswealth.com/contact/ Get your FREE ATLAS Toolkit 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      

Are you working with the RIGHT type of financial advisor for retirement? Most people don't even know there's a difference and it could be costing them thousands. In this episode of the RDS Wealth podcast, we go deeper than we ever have into the financial services industry- breaking down the three types of advisors, the truth about annuities, and exactly how to know if your advisor is truly working in YOUR best interest. 📌 What you'll learn in this episode: The critical difference between an insurance advisor, a broker, and a true fiduciary and why it changes everything about your retirement Why so many retirees end up with annuities they didn't need (and who benefits when that happens) What a transparent, client-first annuity actually looks like- no annual fees, growth potential, downside protection How RDS Wealth is paid and why full transparency is the foundation of everything we do The questions you should be asking YOUR financial advisor right now 🔍 Are you within 5 years of retirement? Now is the time to make sure you understand who is advising you, how they're compensated, and whether the products in your portfolio are truly built for YOUR benefit. 📞 Schedule a complimentary consultation with RDS Wealth: https://rdsmotherswealth.com/contact/ Get your FREE ATLAS Toolkit 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  

Dale joins Kerry Lutz to break down the Fed's latest decision to hold rates and what it really signals beneath the surface. With inflation still sticky, oil prices elevated, and the labor market holding strong, Dale explains why the Fed may be stuck and what that means for your portfolio going forward. From there, the conversation shifts global. Rising geopolitical tensions and energy dynamics are reframing America's position, with a growing focus on domestic production, nuclear expansion, and long-term energy security. They also dig into the strain from AI-driven data center demand and the surprising infrastructure challenges starting to emerge. On the investment side, Dale lays out a clear strategy-  leaning into consumer strength, favoring tech and utilities, and balancing portfolios between risk-on and defensive positioning. He also breaks down how options can be used right now to generate income and protect against near-term volatility. This is a forward-looking conversation connecting Fed policy, global power shifts, and practical market strategy- giving you a clearer picture of where things may be heading next and how to position yourself ahead of it.  📞 Ready to stress-test your own portfolio? Schedule a complimentary consultation with RDS Wealth: Call! 🔔 Subscribe for weekly retirement and wealth strategies from Dale and the RDS Wealth team!    DISCLOSURE: R.D. Smothers Wealth Management is a state-registered investment adviser under the laws of the Commonwealth of Kentucky. Registration as an investment adviser does not imply any level of skill or training. Insurance products and services are offered and sold through RDS Insurance Group. R.D. Smothers Wealth Management and RDS Insurance Group are affiliated but separate entities. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. For more information please visit: https://adviserinfo.sec.gov and search for our firm name. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future

On today's episode of the Retirement Matters Podcast, we discuss why now is one of the most important times to review your retirement investment plan. Even with ongoing global uncertainty, rising inflation, volatility in the bond market, high oil prices, and geopolitical tensions, the market continues to hit all-time highs. We explain why reviewing your financial strategy during strong market conditions can help you avoid emotional decisions when volatility returns. Plus, we share retirement planning tools investors may want to reconsider and explore alternative strategies that could offer stronger long-term benefits and protection for your portfolio.   Get you FREE ATLAS Toolkit Here!   Have any questions? Our team is here to help! Give us a call at 270.600.PLAN or schedule a time that works best for you here! Our Channel: / @rdswealthmanagement    DISCLOSURE: R.D. Smothers Wealth Management is a state-registered investment adviser under the laws of the Commonwealth of Kentucky. Registration as an investment adviser does not imply any level of skill or training. Insurance products and services are offered and sold through RDS Insurance Group. R.D. Smothers Wealth Management and RDS Insurance Group are affiliated but separate entities. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. For more information please visit: https://adviserinfo.sec.gov and search for our firm name. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future

Are you getting real retirement advice- or just investment management? In this episode of the Retirement Matters Podcast, we break down what a true retirement advisor should actually be helping you with and why many people are unknowingly working with the wrong type of advisor. If you're nearing retirement or already retired, you shouldn't be left figuring out major decisions on your own. A comprehensive retirement plan should include guidance on: Social Security timing strategies Medicare planning and coverage decisions Tax strategies, including Roth conversions Retirement income planning Long-term care considerations and trust planning Too often, people are working with "growth advisors" who focus only on investments- leaving huge gaps in their retirement strategy. If you're over 59½, planning for retirement, or already in the retirement income phase, this episode will help you understand what you should expect from your advisor and whether it's time to make a change.   Have any questions? Our team is here to help! Give us a call at 270.600.PLAN or schedule a time that works best for you here: https://rdsmotherswealth.com/contact/ Our Channel: / @rdswealthmanagement DISCLOSURE: R.D. Smothers Wealth Management is a state-registered investment adviser under the laws of the Commonwealth of Kentucky. Registration as an investment adviser does not imply any level of skill or training. Insurance products and services are offered and sold through RDS Insurance Group. R.D. Smothers Wealth Management and RDS Insurance Group are affiliated but separate entities. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. For more information please visit: https://adviserinfo.sec.gov and search for our firm name. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future