Retire Your Way with Dale Soutas

What You Don’t Know Can Hurt Your Retirement: The Hidden Gaps in Your Financial Plan

In this episode of Retire Your Way with Dale Soutas, we’re diving into the hidden realities of modern retirement planning. Retirement today is vastly different from 30 years ago—pensions are rare, lifespans are longer, and the burden of planning is squarely on your shoulders. Dale explains why being authentic matters, especially when it comes to your financial future.
We talk about the overwhelming task of funding 30 to 40 years of Saturdays—and why so many people are unprepared. From Roth conversions to tax-deferred "bombs," Dale breaks down strategies for making your money last. We’ll address key questions like: Are you paying unnecessary taxes on your retirement savings? Do you know how to truly optimize Social Security? Have you thought through estate planning in a second marriage?
Dale shares a real story of a couple facing government buyout options, and how early retirement changes everything. He also highlights the dangers of market fluctuations and why average returns don’t tell the full story. Most importantly, he reveals the common blind spots that derail even the best-laid plans. If you don’t know what you don’t know—this episode could be a retirement game changer.
Soutas Financial & Insurance Solutions
333 West Shaw AvenueSuite 106Fresno, CA 93704
Phone: 559.230.1648Fax: 559.230.1651
#RetirementPlanning#FinancialAdvisor#RothConversion#TaxStrategy#YieldOverReturn#EstatePlanningTips#ModernRetirement#RetireWithConfidence#SoutasFinancial#SmartRetirementMoves#RetirementIncome#FresnoFinancialAdvisor#WealthPreservation#ComplimentaryFinancialPlan#KnowWhatYouDontKnow#RetireSmarterNotOlder#SecondMarriagePlanning#LongTermRetirement#TaxDeferredAccounts#SecureYourFuture

Retirement Planning Needs a PTO Policy

In this episode of Retire Your Way with Dale Soutas, we take on a bold idea: what if employers offered paid time off for financial planning? Retirement shouldn’t be an after-hours burden or a Saturday sacrifice. Dale shares why planning your future is just as critical as visiting the doctor—and deserves real-time, not leftover time. With people living longer, working later, and facing more market volatility, it's time to rethink how we support aging employees. You’ll hear real stories of individuals who couldn’t wait to retire—and those who almost missed their window due to poor timing.
We break down why people in their 50s, 60s, and 70s don’t have time to recover from big investment losses. Plus, Dale walks you through what a proper retirement strategy should include: tax planning, income longevity, and legacy protection. We'll explore why risk management becomes more vital with age, and how to build a financial plan that adjusts to life’s curveballs. From guaranteed income options to asset flexibility, you’ll gain clarity on protecting your retirement lifestyle. And yes, we’ll challenge the idea that financial advisors are scary—it’s not painful, we promise. Tune in to take that first step—without a seatbelt—toward a future you actually want to live.
Soutas Financial & Insurance Solutions
333 West Shaw AvenueSuite 106Fresno, CA 93704
Phone: 559.230.1648Fax: 559.230.1651
#RetireYourWay #FinancialFreedom #RetirementPlanning #WorkplaceWellness #FutureReady #MoneyMatters #FinancialAdvisor #SecureYourFuture #LiveLongRetireSmart #SoutasFinancial #FinancialIndependence #PlanToRetire #GoldenYearsPlanning #SmartMoneyMoves
 

Riding the Retirement Wave... Are You Prepared?

In this episode of Retire Your Way with Dale Soutas, we dive into the massive retirement wave sweeping across America. Over 80 million Americans will be over 65 by 2040, creating historic pressure on financial systems, healthcare, and housing. But today's 65-year-olds aren’t slowing down — they’re active, vibrant, and living longer. That means they’ll need income that lasts longer too. Dale breaks down what this tidal wave means for Medicare, home downsizing, and long-term care. You’ll also hear how automatic “forced savings” plans like 401(k)s can help — but why that’s often not enough.
If market volatility has you worried, now is the time to review your retirement strategy. You no longer have the decades to recover from big losses. Dale explains how certain annuities can provide tax-free income, even long-term care benefits — regardless of your health status. Learn how one couple started early and set themselves up for $100K+ per year, tax-free. Whether you’re 35 or 65, the sooner you start planning, the better. Retirement may be coming like a wave — but with the right tools, you can ride it.
Soutas Financial & Insurance Solutions
333 West Shaw AvenueSuite 106Fresno, CA 93704
Phone: 559.230.1648Fax: 559.230.1651
 
#MedicareConcerns#LongTermCarePlanning#AnnuityIncome#TaxFreeIncome#BabyBoomersRetiring#GenXRetirement#FinancialAdvisorFresno#RetirementSolutions#PodcastOnFinance#WealthStrategies
 

Are Your Retirement Tools Outdated? Time for a Technology Tune-Up...

In this episode of Retire Your Way with Dale Soutas, we explore how retirement planning tools—like old tech—can become outdated without us even realizing it. Just like phones evolved from beepers and bag phones to smart devices, financial tools like mutual funds, insurance policies, and 401(k)s have also gone through major upgrades. But are you still using the financial equivalent of a flip phone? Dale and his guest take a closer look at how things like outdated life insurance or underperforming retirement accounts might be quietly draining your resources.
They share why tools like exchange-traded funds (ETFs), indexed annuities, and even updated versions of whole life policies could be more efficient options today. Dale also explains why independent, fiduciary reviews are so crucial—because advice shouldn't be tied to the company selling the product. He compares it to trading in an old gas-guzzler for a hybrid or electric car—more efficient, more cost-effective, and better suited for your current journey.
Many people continue paying into policies they no longer need or that have hidden fees. Dale offers real-world examples of how a simple review uncovered thousands in potential savings. If it’s been years since someone looked under the hood of your financial plan, now is the time. Tune in to learn how a complimentary review can help you align your financial tools with where you're headed, not where you've been. Call 833-856-1382 to schedule your free review today.
Soutas Financial & Insurance Solutions
333 West Shaw AvenueSuite 106Fresno, CA 93704
Phone: 559.230.1648Fax: 559.230.1651
 
#RetireYourWay#RetirementPlanning#FinancialTools#ModernRetirement#WealthStrategy#OutdatedPolicies#SmartMoneyMoves#FiduciaryAdvice#RetirementReview#FinancialEfficiency#InsuranceCheckup#ETFInvesting#AnnuityOptions#401kPlanning#SoutasFinancial

How Much Is Enough? Navigating Retirement with Clarity and Confidence

In this episode of Retire Your Way with Dale Soutas, we tackle one of the biggest retirement questions: “How much do I really need to retire?” While headlines toss around numbers like $1 million or $3 million, the truth is—it depends. Dale shares real-life stories from people he's met, including one man from the Bay Area trying to pin down the magic number. But retirement isn't just about dollars—it's about purpose. Before crunching numbers, Dale asks his clients deeper questions: What do you want to do in retirement? Travel, pickleball, or time with grandkids?
Using a clever GPS and parachute analogy, he illustrates how retirement plans—like flight paths—need monitoring to stay on course. If you’re flying blind, your retirement could be blown way off track. We’ll also explore how income sources like Social Security, pensions, and rental income factor into your plan. Plus, Dale dives into solutions for unexpected life events, such as caring for aging loved ones and finding support through programs like IHSS. This episode offers both insight and reassurance—reminding listeners that clarity, flexibility, and planning are the real keys to retirement peace of mind.
#RetireYourWay #RetirementPlanning #FresnoFinancialAdvisor #IncomePlanning #PickleballAndPensions #FinancialFreedom #DaleSoutas
Soutas Financial & Insurance Solutions
333 West Shaw AvenueSuite 106Fresno, CA 93704
Phone: 559.230.1648Fax: 559.230.1651

Are You Really Ready to Retire Income, Inflation, and Confidence in the Plan

In this episode of Retire Your Way with Dale Soutas:We reflect on the emotional and financial realities people face when market volatility disrupts their retirement timeline. At a recent live event, Dale shared how many attendees felt unsure if they could retire as planned. One woman, ready to retire, felt she needed to keep working—until Dale offered to review her full financial picture. It’s not just about market growth anymore—it’s about sustainable, protected income. Dale emphasizes that income is the true measure of lifestyle in retirement, not just total savings. Many people are surprised when the numbers show they can retire—they just needed the clarity to make that decision with confidence. Dale shares how getting to know someone’s goals and priorities comes before diving into statements and numbers. The process is personal, not transactional. Whether you're 5 years out or 5 months away from retirement, having a written income plan brings peace of mind. Dale also covers where safe money could be positioned today and why so many choose to come in for a personal review. Retirement isn’t about pushing papers—it’s about understanding what matters most to you. Don’t wait for clarity to find you. Call today and start building your own roadmap to a confident, comfortable retirement.
Soutas Financial & Insurance Solutions
333 West Shaw AvenueSuite 106Fresno, CA 93704
Phone: 559.230.1648Fax: 559.230.1651
 
#financialplanning #financialadvisor #financialconsultant #incomeplanning #retirementincome #retirementplanning

Retirement Without Regret How to Protect, Plan, and Find Peace of Mind

In this episode of Retire Your Way with Dale Soutas Dale discusses: Many nearing retirement feel overwhelmed by market volatility and unsure how to protect the savings they've worked so hard for. This episode explores practical strategies for reducing investment risk and preparing for a reliable retirement income. You don’t need to have every financial detail figured out to begin—just a basic understanding of what you make now, what you expect in retirement, and what you spend monthly. Dale shares why the focus should shift from growth to preservation as retirement nears. Target-date funds, 401(k)s, and TSPs all come with market exposure, so learning how to reposition assets conservatively is key. With pensions becoming rare, building predictable income streams is more important than ever. We'll discuss easy tools to estimate monthly spending—without calling it a budget—and show you how simple steps lead to clarity. Most people don’t avoid planning because they don’t care; they avoid it because it feels stressful. But once the review is done, the relief is real. Suddenly, retirement doesn’t feel so far away—or so scary. Knowing you’re on track can bring peace of mind and better sleep. This episode is your call to action: take that first step, and start planning with confidence.
Soutas Financial & Insurance Solutions
333 West Shaw AvenueSuite 106Fresno, CA 93704
Phone: 559.230.1648Fax: 559.230.1651
 
#financialplanning #financialadvisor #financialconsultant #incomeplanning #retirementincome #retirementplanning

Dialed-In Planning Why Everything Really Will Be Okay

In this episode of Retire Your Way, Dale Soutas tackles what sets confident retirees apart from the anxious—solid planning. While political town halls and market headlines may rattle many, Dale's clients stay calm because their strategies are already built to withstand uncertainty. With a personalized, dialed-in retirement plan, there's no need to panic when the news cycle turns negative. Dale shares the story behind the plaque on his desk: “Not to spoil the ending, but everything’s going to be okay.” He explains how avoiding high-fee mutual funds and shifting to low-cost alternatives like ETFs can significantly improve long-term outcomes.
The episode breaks down how hidden fees—12b-1s, front loads, and back loads—quietly erode retirement savings. Listeners also learn why fee analysis is essential, and how even 1–1.5% can reduce a future nest egg more than they think. Dale offers free portfolio reviews to uncover these costs and build smarter investment strategies. Finally, he highlights the power of employer matches in 401(k) plans and how to fully leverage them. Whether you're in the accumulation or distribution phase, this episode offers clarity, calm, and real financial insight.
Soutas Financial & Insurance Solutions
333 West Shaw AvenueSuite 106Fresno, CA 93704
Phone: 559.230.1648Fax: 559.230.1651
 
#financialplanning #financialadvisor #financialconsultant #incomeplanning #retirementincome #retirementplanning