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

On this episode of the Retirement Matters Podcast, we take a deep dive into our Risk On / Risk Off portfolio strategy and why we believe it can be a powerful alternative to the traditional 60/40 portfolio.

With today's markets becoming more volatile, many investors are questioning whether the old approach of balancing stocks and bonds still delivers the stability and growth they need for retirement.

In this episode, we break it all down in a clear, practical way:

• What a Risk On / Risk Off strategy actually means
• How it adapts to changing market conditions
• Why the traditional 60/40 model may be falling short
• How to think about risk, growth, and income in retirement
• Who this strategy may be best suited for

If you're looking for a smarter way to manage your portfolio in today's market, this episode will give you a strong foundation to start thinking differently.

📞 Want to learn more or see if this strategy fits your situation?
Call us at 270-600-PLAN or visit rdswealth.com- we're here to help.