The Retirement Matters Show with Dale Smothers

Can the S&P 500 Hit 8,000? AI, Oil Prices & Market Volatility| Schwab Network

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/ [https://rdsmotherswealth.com/contact/] 📞 Call: (270) 600-PLAN Get your FREE ATLAS Toolkit Here: https://rdsmotherswealth.com/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 [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbjN3NUZWM016T1pKWUZUbm1lRE1oZE1rZEZHZ3xBQ3Jtc0trXzRXSUV0NWJtbWZtZjcwazA0MXhZVkg4d09XTzBXQUZEM0RRVzEyZ2pWX0ZTR2pwQjBmNUdPRWNHTF96OG1iaDdfM1ZMa2R3TXhYMmRZU3A0UUs5MjZpTTJyVzYxOGpYRldlN3AyMFVLWEZ2ZERQaw&q=https%3A%2F%2Fadviserinfo.sec.gov%2F&v=fba9j6c8Y8k] 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 IPO Warning Retail Investors Could Get Burned| Lou Basenese

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 [https://www.rdswealth.com] 📞 Call us: (270) 600-PLAN ⏱ CHAPTERS 0:00 [https://www.youtube.com/watch?v=tVHSmMO4avs] Introduction 0:56 [https://www.youtube.com/watch?v=tVHSmMO4avs&t=56s] Is AI a bubble? 2:46 [https://www.youtube.com/watch?v=tVHSmMO4avs&t=166s] Where are the biggest AI opportunities? 4:14 [https://www.youtube.com/watch?v=tVHSmMO4avs&t=254s] Why Oracle remains attractive 5:24 [https://www.youtube.com/watch?v=tVHSmMO4avs&t=324s] AI's impact across industries 6:48 [https://www.youtube.com/watch?v=tVHSmMO4avs&t=408s] An under-the-radar AI opportunity 8:24 [https://www.youtube.com/watch?v=tVHSmMO4avs&t=504s] SpaceX IPO expectations and investor caution 10:45 [https://www.youtube.com/watch?v=tVHSmMO4avs&t=645s] Breaking down the Magnificent Seven 13:08 [https://www.youtube.com/watch?v=tVHSmMO4avs&t=788s] Inflation, oil, and market outlook 16:23 [https://www.youtube.com/watch?v=tVHSmMO4avs&t=983s] Personal reflections and perspective 19:22 [https://www.youtube.com/watch?v=tVHSmMO4avs&t=1162s] Managing risk in today's market 21:00 [https://www.youtube.com/watch?v=tVHSmMO4avs&t=1260s] Retirement planning: accumulation vs. distribution 23:14 [https://www.youtube.com/watch?v=tVHSmMO4avs&t=1394s] Choosing the right financial vehicle 24:30 [https://www.youtube.com/watch?v=tVHSmMO4avs&t=1470s] Understanding investor behavior 25:33 [https://www.youtube.com/watch?v=tVHSmMO4avs&t=1533s] The long-term implications of AI Get your FREE ATLAS Toolkit Here: https://rdsmotherswealth.com/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 [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbXJ4SGhSQXA4ZkVRZWdhdzVNTEFBRk1BTUV4Z3xBQ3Jtc0trSFhFb2RVdkE2Q3pnVnlLTVlNUjZjektQWDhmT2ZoX3VFUDZOVkwtLTZIcEdKYm5rcFZJQjRDaVNITUNLZnVtNjdpX3ZhS2xVVTlSYjJCeXZ1ZlRoSzBYSUFiQ3ZlRFFpN0c2aWlhRlhhTi1sY2dHYw&q=https%3A%2F%2Fadviserinfo.sec.gov%2F&v=tVHSmMO4avs] 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

Retirement Planning in 2026: Why Market Discipline Matters More Than Ever

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 [https://rdsmotherswealth.com/contact/] 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/ [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 [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbW83OHducVdZc09EVy1GWU1TLUdDNlAwbWdfQXxBQ3Jtc0trLWJyZ2FsRHE1M0tLcU9MX0JiZkZCZC01NkFOcUFvYjYwSklqRW16QUh0eVFkQzY1UnZKUkhEZVJJOUtBeGNKNHlmdlpzd1B1b2psbDR3RUFZVVUxNS1NSmlSZllEWFltUWFta0VVMExjT2pXc01LNA&q=https%3A%2F%2Fadviserinfo.sec.gov%2F&v=SJpq7op9EhU] 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

The Retirement Income Strategy That Creates Guaranteed Lifetime Paychecks

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 [https://rdswealth.com?utm_source=chatgpt.com] #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/ [https://rdsmotherswealth.com/contact/] Get your FREE ATLAS Toolkit: https://rdsmotherswealth.com/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 [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbW83OHducVdZc09EVy1GWU1TLUdDNlAwbWdfQXxBQ3Jtc0trLWJyZ2FsRHE1M0tLcU9MX0JiZkZCZC01NkFOcUFvYjYwSklqRW16QUh0eVFkQzY1UnZKUkhEZVJJOUtBeGNKNHlmdlpzd1B1b2psbDR3RUFZVVUxNS1NSmlSZllEWFltUWFta0VVMExjT2pXc01LNA&q=https%3A%2F%2Fadviserinfo.sec.gov%2F&v=SJpq7op9EhU] 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

Why Chasing AI Stocks Could Put Your Retirement at Risk: Fox Business

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/ [https://rdsmotherswealth.com/contact/] Get your FREE ATLAS Toolkit: https://rdsmotherswealth.com/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 [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbW83OHducVdZc09EVy1GWU1TLUdDNlAwbWdfQXxBQ3Jtc0trLWJyZ2FsRHE1M0tLcU9MX0JiZkZCZC01NkFOcUFvYjYwSklqRW16QUh0eVFkQzY1UnZKUkhEZVJJOUtBeGNKNHlmdlpzd1B1b2psbDR3RUFZVVUxNS1NSmlSZllEWFltUWFta0VVMExjT2pXc01LNA&q=https%3A%2F%2Fadviserinfo.sec.gov%2F&v=SJpq7op9EhU] 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