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 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. C-Suite PerspectivesElevate how you lead with insight from today’s most influential executives.Listen on: Apple Podcasts   Spotify

💬 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. C-Suite PerspectivesElevate how you lead with insight from today’s most influential executives.Listen on: Apple Podcasts   Spotify

💬 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.

💬 Ready to take control of your financial future? Let’s chat! 📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.html As 2025 winds down, it’s the perfect time to tighten up your tax strategy and make sure you’re not leaving opportunities on the table. In this episode, Tim breaks down the practical steps that can help you manage your income, optimize your accounts, and position yourself well heading into next year. It’s a straightforward, no-fluff conversation designed to help you make intentional moves before December 31. Here’s some of what we discuss in this episode: 🔄 Roth Conversion Windows: recognizing opportunities while the clock is ticking 📊 Loss & Gain Harvesting: using the market to your tax advantage 🎁 Charitable Giving Moves: smart ways to give and get a tax benefit 💼 Retirement Plan Tune-Up: maximizing contributions and account efficiency 🏢 Business Owner Breaks: deductions and strategies entrepreneurs often miss 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 Small business owners often assume a 401(k) is too complicated, too expensive, or only for big companies, but that’s simply not true anymore. Tim sits down with Mark Fowler, Director of Retirement Education at Human Interest, to discuss how technology, tax incentives, and new state mandates have changed the retirement plan landscape for employers. Mark shares why offering a 401(k) isn’t just doable, it’s one of the smartest ways to attract talent, save on taxes, and stay compliant. Here’s some of what we discuss in this episode: 👤 Mark’s Mission: helping small businesses offer meaningful retirement benefits 🏪 Small Biz Challenges: why owners feel stuck on retirement plans 💼 Why 401(k)s Matter: retention, attraction, and owner retirement advantages 💸 Tax Incentives: credits, deductions & cost-saving opportunities most owners miss 📜 State Mandates: what new laws require and the penalties for ignoring them 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. C-Suite PerspectivesElevate how you lead with insight from today’s most influential executives.Listen on: Apple Podcasts   Spotify Financial Matters with Richard OringRichard Oring, from New Century Financial Group in Princeton, New Jersey, discusses...Listen on: Apple Podcasts  

💬 Ready to take control of your financial future? Let’s chat! 📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.html What does it mean to build real connections in an increasingly digital world? Tim sits down with Fred Steck (author, speaker, and former national sales manager at Goldman Sachs) to explore authenticity, leadership, and the human side of success. Fred shares stories from Wall Street to retirement, revealing how vulnerability, curiosity, and meaningful relationships shape a lasting legacy. Here’s some of what we discuss in this episode: 🔥 Personal Motivation: what inspired his new book 🏢 Goldman Sachs Culture: lessons in teamwork, trust, and collaboration 💡 Authenticity & Vulnerability: why openness builds stronger bonds 📱 Digital vs. Personal: how technology shapes (and strains) relationships 🌱 Life After Work: redefining purpose and connection in retirement 🏆 Legacy: how meaningful relationships outlast careers and achievements Buy on Amazon - Connectability: Mastering Relationship Building in Business, Sales, and Beyond: https://www.amazon.com/Connectability-Mastering-Relationship-Building-Business/dp/1639081577 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 fr C-Suite PerspectivesElevate how you lead with insight from today’s most influential executives.Listen on: Apple Podcasts   Spotify Financial Matters with Richard OringRichard Oring, from New Century Financial Group in Princeton, New Jersey, discusses...Listen on: Apple Podcasts  

💬 Ready to take control of your financial future? Let’s chat! 📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.html Do you really need a financial advisor, or can you do it all yourself? Tim breaks down the biggest misconceptions about advisors and reveals the true value they bring beyond just picking investments. Learn how to distinguish between advisors, planners, and wealth managers, and discover which life milestones make professional guidance essential. Tune in to find out if going it alone is putting your wealth at risk. Here’s some of what we discuss in this episode: 💬 Why An Advisor Matters: understanding when guidance can make the biggest difference 🧠 Behavioral Coaching: why emotions—not markets—often derail investors 🧩 Beyond the Portfolio: advisors add value through tax, estate, and insurance strategy 💰 Cost vs. Value: understanding what you pay for and why it can be worth it 🚀 Getting Started: how to begin the process and what to expect in your first meeting 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. C-Suite PerspectivesElevate how you lead with insight from today’s most influential executives.Listen on: Apple Podcasts   Spotify

💬 Ready to take control of your financial future? Let’s chat! 📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.html Worried about the latest government shutdown and what it means for your finances? Tim breaks down the noise and shares how shutdowns have historically impacted markets and retirees. Discover why short-term volatility doesn’t have to derail your retirement plans, and why emotional decisions, not headlines, pose the bigger risk. Tim also offers practical advice on staying grounded and focused, no matter the news cycle. Here’s some of what we discuss in this episode: 🎯 The Real Risk: reacting emotionally instead of staying the course 🏛️ Government Shutdown Impact: what it really means for your money and retirement 💡 Understanding the Shutdown: how essential and non-essential functions are affected 📈 Market Reactions: why short-term drops rarely change long-term outcomes 🧾 IRS Slowdowns: processing delays for refunds, not for payments 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.

This week, Tim welcomes a trailblazer who knows a thing or two about leadership, resilience, and shaking things up: Toni Will, General Manager and Governor for the Kalamazoo Wings. Her path into sports leadership wasn’t planned, but her bold approach turned challenges into opportunities and reshaped what it means to lead in a male-dominated arena. Toni shares her story of taking risks, pushing boundaries, and resilience.   Toni doesn’t just talk about breaking barriers, she lives it. She pioneered the iconic ‘Rainbow Ice’ night, launched her own coaching business, delivered a TED Talk, and is preparing to release her first book, proving that purpose and passion can create real impact both on and off the ice. Get ready for an inspiring episode that’s helps us realize that sometimes the best opportunities are the ones you never saw coming.  Here’s some of what we discuss in this episode: 🏒 Toni’s journey into hockey leadership 🌈 Pioneering Rainbow Ice and championing inclusivity in hockey 💬 The best advice Toni ever got from her dad  📚 Leadership pillars from her TED Talk and coaching work 👩‍💼 Breaking barriers as one of few female GMs in pro sports Get in touch with Toni Will:  Toni’s Personal Website: https://www.toniwill.com  Kalamazoo Wings Hockey Club https://kwings.com/team/staff  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. C-Suite PerspectivesElevate how you lead with insight from today’s most influential executives.Listen on: Apple Podcasts   Spotify

💬 Ready to take control of your financial future? Let’s chat! 📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.html Qualcomm employees enjoy some of the best benefits in the corporate world, but many aren’t taking full advantage of them. After working with Qualcomm employees for nearly three decades, Tim has seen both the opportunities and the pitfalls that come with these unique benefits. In this episode, he shares the strategies that help employees get the most from their compensation, stock options, and savings plans.  Find out why benefits planning isn’t one-size-fits-all, how to avoid common mistakes like confusing tax preparation with tax planning, and why overconcentration in company stock can create hidden risks. We’ll also go a little deeper with advanced opportunities and strategies that we help our clients with.  As a Qualcomm employee, your benefits hold hidden opportunities. Take advantage now to maximize their full value. Here’s some of what we discuss in this episode: 📊 Qualcomm stock, diversification, and smart tax planning 👪 Family & Education: Supporting family abroad, healthcare, and top-tier schooling 📈 Maximizing your ESPP, 401k, Roth, HSA, insurance ⚠️ What common mistakes to avoid  🛠️ Tools to help you evaluate what “quick wins” you can do right now  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. C-Suite PerspectivesElevate how you lead with insight from today’s most influential executives.Listen on: Apple Podcasts   Spotify