Advertise on podcast: Retirement Power Play with Tim Dyer

💬 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

💬 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

💬 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

💬 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

💬 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.

💬 Ready to take control of your financial future? Let’s chat! 📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.html Turn on the news, and it feels like risk is everywhere… wars, economic uncertainty, market volatility. But the biggest threats to your financial future often aren’t the ones making headlines. In this episode, Tim shifts the focus away from short-term market noise and uncovers the risks quietly building underneath the surface of your financial plan. Tune in to learn how you can make small, intentional adjustments today that may help you stay flexible, efficient, and better prepared, no matter what the market or economy does next. Here’s some of what we discuss in this episode: 💰 Tax risk: Pre-tax accounts are future tax liabilities that may grow with higher rates 📊 Concentration risk: Income and investments tied to one company or sector 🏠 Lifestyle risk: Rising expenses reduce flexibility and increase pressure ⚠️ Complacency risk: Strong markets can create false confidence and blind spots  🔍 Hidden risks: The biggest threats are structural issues beneath the headlines 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 The market looks resilient, yet many households still feel financial pressure. That disconnect isn’t random, it’s structural. Tim explains the “K-shaped economy” concept and why your experience depends largely on where you sit financially. More importantly, he talks about how to think strategically in 2026 so you’re not reacting emotionally to headlines but positioning intentionally for what’s next.  Here’s some of what we discuss in this episode: 🤖 AI & Concentration – Tech leaders driving returns 💼 Asset vs Wage – Different financial experiences 🛡 Protect First – Diversify and review tax strategy 🎯 Position Smartly – Precision over emotional investing 🦠 Post-COVID Shift – Capital injection and disruption 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 It’s easy to feel cautious heading into a new year, but the data tells a more encouraging story. In this episode, Tim breaks from the doom-and-gloom narrative and highlights why 2026 deserves a second look. Productivity gains, healthier balance sheets, and long-term market patterns point to reasons for confidence. Tune in for a perspective that steadies nerves instead of fueling fear. Here’s some of what we discuss in this episode 🤖 AI Impact: Efficiency gains shaping the broader economy 📉 Rate Normalization: Why real yields matter again 📊 Inflation Cooling: Wage growth beginning to outpace prices 🏦 Corporate Strength: Earnings growth and healthy balance sheets 👥 Demographic Shifts: Spending power moving to new generations 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 With interest rates staying higher for longer, the dollar weakening, and global markets shifting, guessing what happens next isn’t the real challenge. Tim focuses on how to align your money, taxes, and benefits with today’s economic reality instead of chasing headlines. If you’re looking to start 2026 with a grounded and intentional outlook, this episode sets the framework. Here’s some of what we discuss in this episode: 🏢 Employee Benefits: Making the most of 401(k)s and compensation 🧾 Tax First Thinking: Why taxes matter before market returns 📈 Higher-for-Longer Rates: Adjusting to a new interest-rate reality 🏠 Domestic Markets: Earnings, diversification, and opportunity 🧭 Economic Alignment: Positioning portfolios for real-world conditions 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 A new year brings a clean slate, but only if you use it wisely. In this episode, Tim covers how to avoid early missteps and build momentum that lasts beyond January. The steps you take now quietly shape the rest of the year, so start strong and set yourself up for lasting success!  Here’s some of what we discuss in this episode: 🚀 Fresh Start – Setting financial priorities early in year ⚠️ Early Mistakes – Common errors that derail momentum ⚖️ Concentration Risk – Overexposure and delayed planning dangers 🧾 Taxes & Retirement – Coordinating planning before deadlines 🧩 Systems & Frameworks – Building repeatable financial processes 👣 Action Steps – Practical moves for a strong year 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.

What lessons from 2025 should shape decisions going into 2026? In this episode, Tim reflects on a year marked by sharp swings, headline-driven fear, and powerful lessons about staying invested when conviction is tested. As the calendar turns, this review helps frame 2025 clearly and sets a smarter foundation for 2026.  Here’s some of what we discuss in this episode: 📅 Year in Review: Why 2025 was a year worth learning from 📊 Market Performance: Strong returns despite turbulence 🧠 Behavioral Finance: Why emotions matter more than forecasts 🧩 Portfolio Structure: Allocation, liquidity, and concentration 🔮 Looking Ahead: Preparing with clarity for 2026 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.

Tim’s 50th birthday wasn’t just a milestone, it became a trip filled with adventure, surprises, and a few unexpected lessons about life and retirement. The stories he shares today tie directly into the mindset shifts that often surface as retirement gets closer.  Here’s some of what we discuss in this episode: 🏙️ Miami Birthday Trip: milestone celebration with close friends 🎣 Deep Sea Fishing: early-morning catch and luxury boating 🐊 Everglades Adventure: airboat ride and alligator encounters 🚤 Flamingo Houseboats: quiet waters and nature-filled escape 🧭 Retirement Reflections: mindset shifts and future planning 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.