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The Retirement Matters Show with Dale Smothers

The Retirement Matters Show with Dale Smothers

Written by: Dale Smothers
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About this listen

 The Retirement Matters Show: Ready for Retirement is the podcast created to help you retire the way you desire- with clarity, confidence, and purpose. Retirement planning can feel overwhelming, and without a clear strategy, it's easy to delay taking action. Our goal is to change that. Each episode delivers practical guidance and proven strategies designed to help you build a retirement plan that aligns your finances with your vision for the future. At RDS Wealth, we believe peace of mind comes from having a thoughtful, well-defined strategy- one that allows you to focus less on money and more on what matters most in your life. We release weekly episodes covering investment strategies, tax-efficient planning, retirement income and withdrawal strategies, insurance planning, Social Security, and more. Everything we share is designed to help you make informed decisions and create a retirement you're genuinely excited about. Because retirement isn't just about reaching a number- it's about Living Happy™️ in retirement and retiring the way you desire. At RDS Wealth, we help you use your money intentionally so your retirement works for you! Helping listeners Save Money, Plan Well and Living Happy™️ in retirement, one conversation at a time! Live YOUR retirement without compromise!2023 Economics Personal Finance
Episodes
  • Macro Outlook 2026: Fed Policy, AI Market Fear & Long-Term Investing Opportunities

    Macro Outlook 2026: Fed Policy, AI Market Fear & Long-Term Investing Opportunities
    Feb 23 2026
    Dale Smothers, joins Marley on Schwab Network to discuss the macro economic outlook, the Federal Reserve's path toward 2026, and why recent AI-driven market selloffs may be more opportunity than threat. In this conversation, Dale breaks down investor fears surrounding artificial intelligence- often described as the "AI angel of death"- and explains why innovation doesn't eliminate entire industries overnight. Instead, established companies with strong cash flow often acquire, integrate, and adapt new technologies, creating long-term value rather than permanent disruption. The discussion explores how recent AI headlines sparked sharp declines across software, financial services, trucking, freight, and commercial real estate- and why this may reflect short-term overreaction rather than structural damage. Dale also compares today's market sentiment to an inkblot test: investors look at the same economic data but interpret it differently based on philosophy, objectives, and emotion. Using the latest jobs report showing 130,000 jobs added, he explains why perspective matters more than headlines. 📊 Topics covered: Macro economic outlook and Fed expectations through 2026 AI disruption vs AI-driven opportunity Sector selloffs and investor overreaction Long-term investing during innovation cycles Market psychology and sentiment-driven volatility What strong economic data signals for markets This conversation offers clarity for investors navigating innovation-driven volatility and positioning portfolios for the decade ahead. Have any questions? Our team is here to help! Give us a call at 270.600.PLAN or schedule a time that works best for you here: https://rdsmotherswealth.com/contact/ Our Channel: / @rdswealthmanagement DISCLOSURE: R.D. Smothers Wealth Management is a state-registered investment adviser under the laws of the Commonwealth of Kentucky. Registration as an investment adviser does not imply any level of skill or training. Insurance products and services are offered and sold through RDS Insurance Group. R.D. Smothers Wealth Management and RDS Insurance Group are affiliated but separate entities. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. For more information please visit: https://adviserinfo.sec.gov and search for our firm name. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future
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    7 mins
  • Roth Conversions Explained: Lower Retirement Taxes & Spot Hidden Investment Fees

    Roth Conversions Explained: Lower Retirement Taxes & Spot Hidden Investment Fees
    Feb 20 2026

    In this episode of The Retirement Matters Show, we break down one of the most powerful- and often misunderstood- retirement planning tools: Roth conversions.

    We discuss when Roth conversions may make sense, when they don't, and how using them correctly could help:

    • Lower your lifetime tax bill

    • Improve tax efficiency across your retirement journey

    • Change how your money is taxed when it passes to your loved ones

    We also show you how to identify unnecessary or hidden fees in your investment accounts- simply by reviewing your account statements - so you can better understand where your money may be leaking.

    In this episode, you'll learn:

    • How Roth conversions work in real retirement scenarios

    • Common mistakes that make Roth conversions ineffective or costly

    • How to spot excessive investment or advisory fees

    • Why tax planning is just as important as investment performance

    If you enjoy this episode, please consider liking, subscribing, and leaving an honest review- it helps us reach more people looking to make smarter retirement decisions!

    The Retirement Matters Podcast helps you plan smarter so your retirement isn't left to chance.

    👉 Want a second set of eyes on your retirement plan?
    Our team at RDS Wealth is here to help you build confidence through real cash flow analysis for the the entirety of your retirement journey!

    Schedule a FREE 15 min conversation here: https://rdsmotherswealth.com/contact/

    DISCLOSURE: R.D. Smothers Wealth Management is a state-registered investment adviser under the laws of the Commonwealth of Kentucky. Registration as an investment adviser does not imply any level of skill or training. Insurance products and services are offered and sold through RDS Insurance Group. R.D. Smothers Wealth Management and RDS Insurance Group are affiliated but separate entities. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. For more information please visit: https://adviserinfo.sec.gov and search for our firm name. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future
    Show More Show Less
    31 mins
  • Early Retirement Planning Mistakes to Avoid | Why Timing the Market Fails

    Early Retirement Planning Mistakes to Avoid | Why Timing the Market Fails
    Feb 13 2026

    Thinking about early retirement? In this episode of the Retirement Matters Podcast, we break down the biggest mistakes people make when planning for retirement- especially the dangerous habit of trying to time the market.

    Using a comical (and painful) first-and-last skiing experience, we draw parallels between skiing without a plan and retiring without one. We explain why building a retirement plan is far more important than chasing market performance, and we introduce a critical retirement planning tool everyone should understand before retiring early.

    If you're focused on financial independence, early retirement planning, or avoiding costly retirement mistakes, this episode is a must-watch.

    Topics covered:

    • Early retirement planning essentials

    • Why timing the market can derail your retirement

    • The importance of having a strategy- not just investments

    • Common mistakes retirees make (and how to avoid them)

    • A key retirement tool you need to know

    The Retirement Matters Podcast helps you plan smarter so your retirement isn't left to chance.

    👉 Want a second set of eyes on your retirement plan?
    Our team at RDS Wealth is here to help you build confidence through real cash flow analysis for the the entirety of your retirement journey!

    Schedule a FREE 15 min conversation here: https://rdsmotherswealth.com/contact/

    DISCLOSURE: R.D. Smothers Wealth Management is a state-registered investment adviser under the laws of the Commonwealth of Kentucky. Registration as an investment adviser does not imply any level of skill or training. Insurance products and services are offered and sold through RDS Insurance Group. R.D. Smothers Wealth Management and RDS Insurance Group are affiliated but separate entities. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. For more information please visit: https://adviserinfo.sec.gov and search for our firm name. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future
    Show More Show Less
    31 mins
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