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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August 6, 202621 min
Buffered ETFs: A Smarter Way to Stay Invested?
💬 Ready to take control of your financial future? Let’s chat!📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.htmlFor 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
July 23, 202617 min
Ed Sheeran and The Old Cell Phone – A 10-Year Perspective
💬 Ready to take control of your financial future? Let’s chat!📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.htmlAn 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
July 2, 202628 min
The Financial Lessons Hidden in the Idaho Wilderness
💬 Ready to take control of your financial future? Let’s chat!📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.htmlEscape 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 mostCheck out the ranch here: https://www.diamonddranch-idaho.com
May 26, 202657 min
Life Beyond the Corporate Ladder with Balu Masti- Qualcomm
💬 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.
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-time Book at Time to Chat: https://www.dyerwealthmanagement.com/start-here.html Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937Email: tim@dyerwm.comLocation: La Jolla, CADisclosures: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.
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.
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.
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