On this episode of the Retirement Matters podcast, we take a closer look at recent market conditions and discuss how ongoing uncertainty may influence retirees and pre-retirees. We explore several factors that could be contributing to recent market movements including the potential effects of the government shutdown and why having a well-structured plan matters during periods of volatility.

We also revisit our Risk-On/Risk-Off portfolio approach and discuss ways retirees might think about managing risk to help support long-term confidence. From there, we break down Roth conversions: when they may make sense, potential benefits, and key considerations when comparing Roth and traditional IRA strategies.

To wrap up, we talk about aligning your financial decisions with your life goals because retirement planning isn't just about timing the market; it's about creating a plan that supports your lifestyle, your purpose, and the impact you wish to make. As we move toward the 2025 holiday season, this episode encourages thoughtful planning around income, taxes, healthcare, and achieving balance in retirement.

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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 results.