Retirement Power Play with Tim Dyer

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If a significant portion of your compensation comes in company stock, your biggest tax mistakes may happen long before you file your return. From RSUs and stock options to employee stock purchase plans, year-end decisions can have a major impact on what you owe.

Tim explains how to identify potential tax surprises, make smarter decisions about exercising and selling shares, and take advantage of planning opportunities before December 31. With important tax changes taking effect in 2026, now is the time to review your strategy.

Here’s some of what we discuss in this episode:

🏛️ RSU Taxes: Avoid unexpected tax bills

📈 Stock Options: Understand exercise timing and AMT

⚠️ Cost Basis: Prevent paying taxes twice

📉 Tax-Loss Harvesting: Watch for wash sale traps

🎁 Charitable Giving: Explore tax-efficient stock donations

📅 Year-End Checklist: Make important moves before December 31

✅ 2026 Year-End Equity Compensation Checklist

• Run your tax projection
• Fix your withholding if needed or plan for a January 15 estimated payment
• Recalculate your AMT crossover before exercising ISOs
• File your 83(b) election within 30 days if you early exercise
• Check RSU vesting and ESPP dates before harvesting losses
• Verify cost basis on ESPP and RSU sales
• Check your income against the SALT deduction phase-down
• Give appreciated shares instead of cash or consider a donor-advised fund 
• Max out your 401(k) and HSA

Disclosures:

The commentary on this Podcast reflects the personal opinions, viewpoints and analyses of Sage Capital Advisors, LLC DBA Dyer Wealth Management employees making such comment, and should not be regarded as a description of advisory services provided by Dyer Wealth Management or performance returns of any Dyer Wealth Management Investments client. The views reflected in the commentary are subject to change at any time without notice.

The opinions expressed in this Podcast are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

Dyer Wealth Management provides advisory services through Sage Capital Advisors, LLC an SEC registered investment adviser. Advisory services are only offered to clients or prospective clients where Dyer Wealth Management and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Dyer Wealth Management unless a client service agreement is in place.

The end of the year isn’t just a deadline. It’s one of the last chances to make financial decisions that can still affect this year’s taxes, investments, and retirement plan. Today, Tim walks through five areas worth reviewing before December 31 and explains why knowing where you stand now can open up opportunities that may disappear once the calendar flips. He reminds us that once year-end passes, some planning windows close for good.    

Here’s some of what we discuss in this episode:

🧾 Tax Projection: Know where you’ll land

📊 Tax Brackets: Use lower rates intentionally

⚖️ Portfolio Review: Rebalance and harvest strategically

💼 Retirement Accounts: Optimize contributions and withdrawals

🎁 Year-End Planning: Review giving, benefits, beneficiaries

Disclosures:

The commentary on this Podcast reflects the personal opinions, viewpoints and analyses of Sage Capital Advisors, LLC DBA Dyer Wealth Management employees making such comment, and should not be regarded as a description of advisory services provided by Dyer Wealth Management or performance returns of any Dyer Wealth Management Investments client. The views reflected in the commentary are subject to change at any time without notice.

The opinions expressed in this Podcast are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

Dyer Wealth Management provides advisory services through Sage Capital Advisors, LLC an SEC registered investment adviser. Advisory services are only offered to clients or prospective clients where Dyer Wealth Management and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Dyer Wealth Management unless a client service agreement is in place.

💬 Ready to take control of your financial future? Let’s chat!

📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.html

You can earn an impressive income and still wonder why financial freedom feels so far away. Tim explores the bigger question of what wealth is supposed to make possible in your life. At some point, success becomes less about accumulating more and more about deciding what “enough” really means to you. 

Here’s some of what we discuss in this episode:

💰 Income vs. Wealth: Wealth creates meaningful choices

📈 Lifestyle Creep: Spending grows alongside income

🔒 Golden Handcuffs: Compensation can keep you stuck

🎯 Define “Enough”: Give accumulation a finish line

🧾 Tax Planning: Complexity grows with wealth

Disclosures:

The commentary on this Podcast reflects the personal opinions, viewpoints and analyses of Sage Capital Advisors, LLC DBA Dyer Wealth Management employees making such comment, and should not be regarded as a description of advisory services provided by Dyer Wealth Management or performance returns of any Dyer Wealth Management Investments client. The views reflected in the commentary are subject to change at any time without notice.

The opinions expressed in this Podcast are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

Dyer Wealth Management provides advisory services through Sage Capital Advisors, LLC an SEC registered investment adviser. Advisory services are only offered to clients or prospective clients where Dyer Wealth Management and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Dyer Wealth Management unless a client service agreement is in place.

💬 Ready to take control of your financial future? Let’s chat!

📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.html

For the 100th episode, Tim tackles one of the biggest challenges investors face: staying disciplined when markets become uncomfortable. He explains how buffered ETFs work and why they may offer a middle ground between traditional stocks and bonds. Could more predictable outcomes help you stay invested when volatility rises? 

Here’s some of what we discuss in this episode:

⭐ Behavioral Risk: Panic can damage returns more than markets

📉 Investor Anxiety: Volatility and uncertainty drive emotional decisions

🛡️ Buffered ETFs: Defined protection creates a middle-ground strategy

🎯 Cap and Buffer: Less upside buys downside protection

🧠 Defined Outcomes: Clear ranges may improve investor behavior

Disclosures:

The commentary on this Podcast reflects the personal opinions, viewpoints and analyses of Sage Capital Advisors, LLC DBA Dyer Wealth Management employees making such comment, and should not be regarded as a description of advisory services provided by Dyer Wealth Management or performance returns of any Dyer Wealth Management Investments client. The views reflected in the commentary are subject to change at any time without notice.

The opinions expressed in this Podcast are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

Dyer Wealth Management provides advisory services through Sage Capital Advisors, LLC an SEC registered investment adviser. Advisory services are only offered to clients or prospective clients where Dyer Wealth Management and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Dyer Wealth Management unless a client service agreement is in place.

💬 Ready to take control of your financial future? Let’s chat!

📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.html

An old cell phone can feel like a time capsule. After hearing Ed Sheeran describe finding and charging a phone from ten years earlier, it got me thinking about what life looked like a decade ago—the worries that felt overwhelming, the plans that seemed important, and the people and experiences that had not yet entered his life. 

In this episode, we want to challenge listeners to look beyond today’s headlines, market concerns, and daily pressures and consider what will truly matter ten years from now. Let’s talk about how small choices involving health, family, money, career, and purpose can quietly shape the future and why preparation often matters far more than prediction.

Here’s some of what we discuss in this episode:

📱 Look Back: Yesterday’s worries often lose significance

🔭 Think Forward: Define what should matter most

🧱 Build Intentionally: Small choices shape future decades

💰 Create Options: Financial preparation supports meaningful experiences

🌅 Stay Open: Life’s greatest blessings may surprise you

Disclosures:

The commentary on this Podcast reflects the personal opinions, viewpoints and analyses of Sage Capital Advisors, LLC DBA Dyer Wealth Management employees making such comment, and should not be regarded as a description of advisory services provided by Dyer Wealth Management or performance returns of any Dyer Wealth Management Investments client. The views reflected in the commentary are subject to change at any time without notice.

The opinions expressed in this Podcast are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

Dyer Wealth Management provides advisory services through Sage Capital Advisors, LLC an SEC registered investment adviser. Advisory services are only offered to clients or prospective clients where Dyer Wealth Management and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Dyer Wealth Management unless a client service agreement is in place.

💬 Ready to take control of your financial future? Let’s chat!

📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.html

Escape the noise and rethink what retirement is really about. In this episode, Tim reflects on a week at a remote Idaho dude ranch and the unexpected lessons it revealed about wealth, purpose, and financial independence. Discover why the goal isn't simply to accumulate more money, but to create the freedom to enjoy meaningful experiences, prioritize your health, and make the most of the time you have.

Here’s some of what we discuss in this episode:

🐎 Retirement Muscles: Learning to enjoy your wealth

📅 Big Experiences: Schedule memories that compound

👨‍👩‍👧‍👦 Real Community: Meaningful conversations without distractions

❤️ Health Matters: Enjoy retirement while you can

📱 Unplugging: Create space for what matters most

Check out the ranch here: https://www.diamonddranch-idaho.com

Disclosures:

The commentary on this Podcast reflects the personal opinions, viewpoints and analyses of Sage Capital Advisors, LLC DBA Dyer Wealth Management employees making such comment, and should not be regarded as a description of advisory services provided by Dyer Wealth Management or performance returns of any Dyer Wealth Management Investments client. The views reflected in the commentary are subject to change at any time without notice.

The opinions expressed in this Podcast are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

Dyer Wealth Management provides advisory services through Sage Capital Advisors, LLC an SEC registered investment adviser. Advisory services are only offered to clients or prospective clients where Dyer Wealth Management and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Dyer Wealth Management unless a client service agreement is in place.

💬 Ready to take control of your financial future? Let’s chat!

📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.html

Tim sits down with longtime friend, technologist, entrepreneur, mentor, and musician Balu Masti for a wide-ranging conversation about life after the corporate grind. After spending decades inside companies like Qualcomm and Intel, Balu shares what it was really like navigating pressure, promotions, identity, and the pursuit of success in the tech world. The conversation explores career transitions, startup culture, AI disruption, mentorship, family, music, and why time ultimately matters more than money.

Here’s some of what we discuss in this episode:

💼 The pressure, competition, and identity tied to corporate success

⏳ Why accumulating more doesn’t always lead to fulfillment or happiness

🚀 The leap into startups, mentorship, entrepreneurship, and creative pursuits

🤖 How AI is changing careers, startups, and the future of work faster than most people realize

🎵 Creativity matters – Why art and passion projects are essential

Book at Time to Chat: https://www.dyerwealthmanagement.com/start-here.html 

Website: https://www.dyerwealthmanagement.com/ 

Phone: 858-459-3937

Email: [email protected]

The commentary on this Podcast reflects the personal opinions, viewpoints and analyses of Sage Capital Advisors, LLC DBA Dyer Wealth Management employees making such comment, and should not be regarded as a description of advisory services provided by Dyer Wealth Management or performance returns of any Dyer Wealth Management Investments client. The views reflected in the commentary are subject to change at any time without notice. 

The opinions expressed in this Podcast are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

Dyer Wealth Management provides advisory services through Sage Capital Advisors, LLC an SEC registered investment adviser. Advisory services are only offered to clients or prospective clients where Dyer Wealth Management and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Dyer Wealth Management unless a client service agreement is in place.

A lot of people think they have a financial plan, but what they really have is a document. Tim breaks down what separates a real plan from a stack of projections and charts. This conversation focuses on how a true plan actually works in real life, helping you make decisions, adjust when things change, and stay on track. Because a plan isn’t something you look at once, it’s something you use.

Here’s some of what we discuss in this episode:

📄 Plan vs Document: A PDF isn’t a real plan

🧩 Core Components: Income, taxes, investments, and decisions

📊 Purposeful Investing: Each piece of your portfolio has a job

⚖️ Decision Frameworks: Know what to do before emotions hit

🔄 Process Over Paper: Planning is ongoing, not one-time

Book at Time to Chat: https://www.dyerwealthmanagement.com/start-here.html 

Website: https://www.dyerwealthmanagement.com/ 

Phone: 858-459-3937

Email: [email protected]

Location: La Jolla, CA

Disclosures:

The commentary on this Podcast reflects the personal opinions, viewpoints and analyses of Sage Capital Advisors, LLC DBA Dyer Wealth Management employees making such comment, and should not be regarded as a description of advisory services provided by Dyer Wealth Management or performance returns of any Dyer Wealth Management Investments client. The views reflected in the commentary are subject to change at any time without notice.

The opinions expressed in this Podcast are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

Dyer Wealth Management provides advisory services through Sage Capital Advisors, LLC an SEC registered investment adviser. Advisory services are only offered to clients or prospective clients where Dyer Wealth Management and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Dyer Wealth Management unless a client service agreement is in place.

Success changes your financial life, but it also changes the risks you face. Tim walks through how doing well can create blind spots that are easy to miss if you’re not paying attention. This conversation is all about staying intentional as things grow and making sure your success actually leads to freedom, not new pressure. Because the goal isn’t just building wealth, it’s maintaining control of it.

Here’s some of what we discuss in this episode:

📊 Concentration Risk: Too much tied to one company can backfire

📉 Double Exposure: Income and investments tied to the same source

💰 Tax Drift: Small decisions stack into big tax consequences

⚠️ Lifestyle Creep: Higher income can quietly reduce flexibility

📅 Intentional Planning: Structure turns success into control

Book at Time to Chat: https://www.dyerwealthmanagement.com/start-here.html 

Website: https://www.dyerwealthmanagement.com/ 

Phone: 858-459-3937

Email: [email protected]

The commentary on this Podcast reflects the personal opinions, viewpoints and analyses of Sage Capital Advisors, LLC DBA Dyer Wealth Management employees making such comment, and should not be regarded as a description of advisory services provided by Dyer Wealth Management or performance returns of any Dyer Wealth Management Investments client. The views reflected in the commentary are subject to change at any time without notice. 

The opinions expressed in this Podcast are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

Dyer Wealth Management provides advisory services through Sage Capital Advisors, LLC an SEC registered investment adviser. Advisory services are only offered to clients or prospective clients where Dyer Wealth Management and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Dyer Wealth Management unless a client service agreement is in place.

💬 Ready to take control of your financial future? Let’s chat!

📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.html

AI is everywhere right now, and the headlines are hard to ignore. Job loss, massive disruption, entire industries changing overnight… It’s enough to make anyone nearing retirement pause and wonder what it means for their future. But how much of it is real, and how much is just noise? 

Here’s some of what we discuss in this episode:

🛠️ AI as a Tool: Powerful for efficiency, but not a replacement for judgment

⚠️ Job Security: Some roles may shift, but new opportunities are emerging

📊 Retirement Impact: Fear shouldn’t drive major financial decisions

📉 Market Exposure: Be cautious about overconcentration in AI-driven investments

💼 Wealth Management: Human insight still plays a key role alongside AI

Resources for this episode:

Yale’s Budget Lab article: https://bit.ly/4sqJSb8

World Economic Forum article: https://bit.ly/4tANyrI

Yahoo Finance article: https://bit.ly/3Opeeg6

Goldman Sachs article: https://bit.ly/3PZABsX

401kSpecialist article: https://bit.ly/4c1fBLa

Book at Time to Chat: https://www.dyerwealthmanagement.com/start-here.html 

Website: https://www.dyerwealthmanagement.com/ 

Phone: 858-459-3937

Email: [email protected]

The commentary on this Podcast reflects the personal opinions, viewpoints and analyses of Sage Capital Advisors, LLC DBA Dyer Wealth Management employees making such comment, and should not be regarded as a description of advisory services provided by Dyer Wealth Management or performance returns of any Dyer Wealth Management Investments client. The views reflected in the commentary are subject to change at any time without notice. 

The opinions expressed in this Podcast are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

Dyer Wealth Management provides advisory services through Sage Capital Advisors, LLC an SEC registered investment adviser. Advisory services are only offered to clients or prospective clients where Dyer Wealth Management and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Dyer Wealth Management unless a client service agreement is in place.