Retire Your Way with Dale Soutas

America’s Retirement Experiment: Are You Really Prepared?

In this episode of Retire Your Way, Dale Soutas breaks down the “Boomer Dilemma” and how the shift from pensions to 401(k)s has left many retirees vulnerable. He explains why today’s retirement landscape is vastly different—and riskier—than it was for previous generations. The burden of managing investments has shifted from employers to employees, many of whom aren’t trained to handle that responsibility. Dale highlights tools that can help, including fixed index annuities that protect against market downturns while still offering growth potential.
Listeners will hear real-life examples, including a retiree who slept soundly during recent volatility thanks to having protected income. The episode also explores estate planning risks for high-net-worth families who mistakenly believe they’re safe from estate taxes. Dale shares how lack of liquidity can force heirs to sell valuable properties just to pay off tax liabilities. These are avoidable mistakes—but only with proactive, educated planning. Whether you’re approaching retirement or already there, this episode delivers essential insights to secure your future. Don’t leave your legacy—or your income—up to chance.
Soutas Financial & Insurance Solutions
333 West Shaw AvenueSuite 106Fresno, CA 93704
Phone: 559.230.1648Fax: 559.230.1651
 
#financialplanning #financialadvisor #financialconsultant #incomeplanning #retirementincome #retirementplanning
 

Helping Without Hurting: Supporting Adult Children While Securing Your Retirement

 
In this episode of Retire Your Way, Dale Soutas addresses a rising trend among parents: financially supporting adult children—even well into their 20s, 30s, or beyond. From groceries and cell phones to insurance and rent, today’s parents are spending an average of nearly $1,500 a month helping their grown kids. Dale explores the potential risks this generosity may pose to retirement plans, especially for those unsure if they can afford it long-term. He also discusses how to build multi-generational support—like special needs care—directly into a retirement strategy. Whether you're helping by choice or necessity, this episode shows how to give without compromising your own financial security.
Soutas Financial & Insurance Solutions
333 West Shaw AvenueSuite 106Fresno, CA 93704
Phone: 559.230.1648Fax: 559.230.1651
 
#financialplanning #financialadvisor #financialconsultant #incomeplanning #retirementincome #retirementplanning

Qualifying for Long-Term Care What Really Counts as Income in California

In this episode of Retire Your Way, Dale Soutas explains how California determines eligibility for long-term care benefits—and it’s not what most people think. Unlike many states, California doesn’t count assets, bank balances, or investment properties when evaluating applicants. Instead, it focuses solely on net income, including taxable retirement withdrawals and rental income after expenses. This creates powerful planning opportunities for families with aging loved ones, especially those facing sudden healthcare needs. Dale offers practical advice for navigating these rules and qualifying for vital care without draining your savings.
Soutas Financial & Insurance Solutions
333 West Shaw AvenueSuite 106Fresno, CA 93704
Phone: 559.230.1648Fax: 559.230.1651
 
#financialplanning #financialadvisor #financialconsultant #incomeplanning #retirementincome #retirementplanning

Retire Smart The Hidden Benefits of Staying in California

 
In this segment of Retire Your Way with Dale Soutas, Dale sheds light on an often-overlooked advantage for retirees who remain in California: easier access to long-term care benefits. He explains how programs like Medi-Cal offer valuable financial support for in-home care, allowing retirees to maintain their independence and dignity. While some consider leaving the state for tax reasons, Dale shows why staying can offer critical protection for your health and estate. Listeners will hear real examples of how thousands of families have benefited from these programs since 1997. If you're weighing your options for retirement living, this is advice you can't afford to miss.
Soutas Financial & Insurance Solutions
333 West Shaw AvenueSuite 106Fresno, CA 93704
Phone: 559.230.1648Fax: 559.230.1651
 
#financialplanning #financialadvisor #financialconsultant #incomeplanning #retirementincome #retirementplanning

Market Volatility-Can I Recover?

“Retirement at Risk: Navigating Market Volatility Without Losing Sleep”
 
In Today's Episode of Retire Your Way with Dale Soutas, Dale tackles the current wave of market volatility with clear-headed strategies for those nearing or entering retirement. Drawing from past financial crises—like 2008, the dot-com bust, and the 2020 crash—he reminds listeners that markets do recover, but retirees may not have the luxury of time. Dale emphasizes the need for stable, guaranteed income planning and portfolio protection in unpredictable markets. With real talk and real solutions, this episode delivers calm in the chaos. If your retirement feels at risk, this conversation is a must-listen.
 
Soutas Financial & Insurance Solutions
333 West Shaw AvenueSuite 106Fresno, CA 93704
Phone: 559.230.1648Fax: 559.230.1651
 
#financialplanning #financialadvisor #financialconsultant #incomeplanning #retirementincome #retirementplanning

Does the New Administration in Washington DC Affect You?

Does the New Administration in Washington DC Affect Me? That is something that we do hear a lot.
I certainly have heard it at parties and gatherings and just random people at events
that you meet and say, "I'm never gonna retire. Either I love what I do or I don't think I can retire 'cause I don't know if I have enough, but I'm gonna work forever. I'm gonna work as long as I can because I like to or because I have to." Is that realistic?
 
Soutas Financial & Insurance Solutions
333 West Shaw AvenueSuite 106Fresno, CA 93704
Phone: 559.230.1648Fax: 559.230.1651
 
#financialplanning #financialadvisor #financialconsultant #incomeplanning #retirementincome #retirementplanning

How Much Do You Know You Need to Save?

How Much Do You Know You Need to Save if you want to be career -free for 30, 35, 40 years, how do you know?" Why should I or do I need to even use an advisor?" They think, "No, what's it going to be like?" They just hold back. "Why do I need to go in and see somebody about my retirement?" Then when they do, they're amazed that, Wow, I didn't know that I didn't know this...
Soutas Financial & Insurance Solutions
333 West Shaw AvenueSuite 106Fresno, CA 93704
Phone: 559.230.1648Fax: 559.230.1651
 
#financialplanning #financialadvisor #financialconsultant #incomeplanning #retirementincome #retirementplanning

How Can You Produce More Income Down the Road?

Maybe we can create the income immediately or create the income in a year or two. It's very flexible. Depending on the situation you may have that time to really get things cranking to produce more income down the road, which is in your benefit too. And this is a quite simple approach. This was from an IRA rollover. You can easily move from one position to another...
 
Soutas Financial & Insurance Solutions
333 West Shaw AvenueSuite 106Fresno, CA 93704
Phone: 559.230.1648Fax: 559.230.1651
 
#financialplanning #financialadvisor #financialconsultant #incomeplanning #retirementincome #retirementplanning