Retirement Power Play with Tim Dyer

Hosted by Tim Dyer

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May 2026

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About the show

Join wealth manager Tim Dyer for consistent and reliable information about how to best prepare for retirement and your financial future on the Retirement Power Play podcast. Tim is the founder of Dyer Wealth Management, serving the San Diego area and based in La Jolla, California. He's the co-author of "Defuse", a book designed to help you learn the 7 steps to protecting your 401(k) from the ticking tax time bomb. Tim isn't afraid to run counter to the conventional wisdom of the financial world. Join him each episode as he'll point out problems and inconsistencies you need to be aware of in the retirement landscape so you can take full control of your portfolio to make empowered financial decisions. If you have a 401(k), an IRA, a pension (or maybe even better, no pension), not sure what to do about Social Security, healthcare, legacy planning, or any other number of financial planning issues then you're in the right place. Because Tim is going to cover anything and everything in the retirement planning spectrum. Call him with your questions at 858-459-3937 or go online to https://www.dyerwealthmanagement.com/ to find out more information!

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May 26, 202658 min

Life Beyond the Ladder with Balu Masti

💬 Ready to take control of your financial future? Let’s chat!📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.htmlTim 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 essentialBook at Time to Chat: https://www.dyerwealthmanagement.com/start-here.html Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937Email: tim@dyerwm.comThe 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  

May 4, 202617 min

What a Real Financial Plan Actually Looks Like

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-timeBook at Time to Chat: https://www.dyerwealthmanagement.com/start-here.html Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937Email: tim@dyerwm.comThe 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.

April 23, 202618 min

The Hidden Risk in Being Successful

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 controlBook at Time to Chat: https://www.dyerwealthmanagement.com/start-here.html Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937Email: tim@dyerwm.comThe 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.

April 9, 202622 min

Is AI Coming For Your Retirement?

💬 Ready to take control of your financial future? Let’s chat!📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.htmlAI 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 AIResources for this episode:Yale’s Budget Lab article: https://bit.ly/4sqJSb8World Economic Forum article: https://bit.ly/4tANyrIYahoo Finance article: https://bit.ly/3Opeeg6Goldman Sachs article: https://bit.ly/3PZABsX401kSpecialist article: https://bit.ly/4c1fBLaBook at Time to Chat: https://www.dyerwealthmanagement.com/start-here.html Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937Email: tim@dyerwm.comThe 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.

March 26, 202614 min

The Quiet Risk Nobody Talks About Right Now

💬 Ready to take control of your financial future? Let’s chat!📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.htmlTurn 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 headlinesBook at Time to Chat: https://www.dyerwealthmanagement.com/start-here.html Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937Email: tim@dyerwm.comThe 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.

March 5, 202624 min

The K-Shaped Economy: What It Means for Your Portfolio in 2026

💬 Ready to take control of your financial future? Let’s chat!📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.htmlThe 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 disruptionBook at Time to Chat: https://www.dyerwealthmanagement.com/start-here.html Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937Email: tim@dyerwm.comThe 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

February 19, 202619 min

Reasons to Be Optimistic in 2026

💬 Ready to take control of your financial future? Let’s chat!📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.htmlIt’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 generationsBook at Time to Chat: https://www.dyerwealthmanagement.com/start-here.html Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937Email: tim@dyerwm.comThe 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.

February 5, 202626 min

The 5 Financial Power Moves to Start 2026 Strong

💬 Ready to take control of your financial future? Let’s chat!📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.htmlWith 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 conditionsBook at Time to Chat: https://www.dyerwealthmanagement.com/start-here.html Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937Email: tim@dyerwm.comThe 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

January 15, 202620 min

How to Start the Year Right Financially

💬 Ready to take control of your financial future? Let’s chat!📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.htmlA 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 yearBook at Time to Chat: https://www.dyerwealthmanagement.com/start-here.html Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937Email: tim@dyerwm.comThe 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.

December 31, 202518 min

2025 Financial Year in Review

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 2026Book at Time to Chat: https://www.dyerwealthmanagement.com/start-here.html Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937Email: tim@dyerwm.comThe 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.