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.

With rising geopolitical tensions and a volatile stock market, many investors are feeling uncertain about their next move. In this episode of the Retirement Matters Podcast, we break down what's really driving the recent market sell-off and how it could impact your retirement plan.

Whether you're close to retirement or still years away, we cover what you should (and shouldn't) be doing with your portfolio right now, and why emotional decisions can cost you long-term.

👉 In this episode:

• What's happening in the Middle East and why it matters
• Why the market has been volatile
• How this impacts your retirement accounts
• What smart investors are doing right now

👉 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

On this episode of the Retirement Matters Podcast, we break down the most important (and often overlooked) pieces of a successful retirement plan- especially as you approach the income phase.

Many people believe retirement planning is all about investing… but the truth is, that's only one part of the equation.

Today, we walk through how to build a complete, coordinated retirement strategy that goes far beyond your portfolio, including:

• Income planning: How to create reliable, sustainable retirement income
• Tax planning: Strategies to reduce long-term tax burden
• Investment planning: Positioning your portfolio for growth and protection
• Healthcare planning: Preparing for one of retirement's biggest expenses
• Legacy planning: Protecting and passing on your wealth efficiently

The key isn't just having these pieces- it's making sure they work together as one cohesive plan.

If you're nearing retirement or already in the income phase, this episode will help you understand what truly matters when it comes to building a plan that lasts.

🎯 If you find value in this episode, be sure to follow, rate, and share the podcast to help others build smarter retirement strategies.

👉 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

Dale joins Stuart Varney on Fox Business to discuss one of the biggest questions investors are asking right now: Have we reached the market bottom and is it finally safe to buy?

We dive into the recent tech stock selloff, including opportunities in companies that have dropped 20% or more, and why AI-driven stocks like Amazon may present strong long-term value. We also discuss why Microsoft may not be the best buy just yet, and what signals to watch before adding it to your portfolio. If you're wondering whether to buy the dip, sit on the sidelines, or shift your strategy, this video covers:

Have stocks reached a true market bottom? Best tech stock opportunities right now AI demand and long-term growth potential Why Microsoft may still have downside Smart strategies for different investing phases Roth conversion opportunities during market dips The role of 10-year Treasury yields (4%+) in your portfolio Risk-on vs. risk-off investing strategies

Whether you're investing for growth or income, the key is sticking to a personalized plan and understanding your time horizon- especially in volatile markets.

Always remember 'losses hurt you more than gains help you'.

👉 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

On this episode of the Retirement Matters Podcast, we explore how economic forces- including oil prices and inflation- can influence your retirement strategy and long-term financial plan.

Many retirees focus primarily on investments, but successful retirement planning requires understanding how broader economic trends may affect your income, spending, and overall financial security.

In this episode, we discuss how fluctuations in energy prices and the economy can impact inflation and the markets, and why building a flexible retirement plan can help you navigate uncertainty while still enjoying the journey of retirement.

We also take a deeper dive into Medicare planning and why it should never be handled in isolation. Medicare decisions play a critical role in your overall retirement strategy and should be integrated alongside tax planning, income planning, and investment planning to create a truly comprehensive retirement plan.

In this episode, you'll learn:

• How rising oil prices and inflation can affect retirement planning
• Why economic uncertainty doesn't have to derail your retirement goals
• The importance of integrating Medicare planning into your retirement strategy
• How a comprehensive plan can help retirees feel more confident during market ups and downs

The Retirement Matters Podcast is designed to help you navigate the complex decisions that come with retirement so you can build a plan that supports both financial security and peace of mind.

If you know someone approaching retirement who could benefit from this conversation, we encourage you to share this episode.

👉 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