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.

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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.

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📅 Questions about your retirement plan? 👉 rdsmotherswealth.com/contact | 270.600.PLAN

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