On this episode of Retire Your Way, Dale Soutas and Spike kick things off with a lighthearted debate about cash, pennies, and whether Gen Z really thinks cash is “cringe.”
From there, they pivot into something far more serious: why we may be living through some of the lowest tax rates we’ll ever see and what that means for your retirement.
Dale walks listeners through real-life conversations with a younger couple in their late 40s and early 50s who are already planning ahead for retirement.

He explains how Roth IRAs and Roth 401(k)s can help “get Uncle Sam out of your retirement” by paying taxes now while rates are still comparatively low.
You’ll hear how to think about tax brackets, standard deductions, and how much “wiggle room” you may have each year to do strategic Roth conversions. Dale also tackles common myths about penalties, access to your money, and the five-year rules that apply to Roth accounts.
The conversation then shifts to the difference between tax preparation and proactive tax planning designed to reduce taxes over your lifetime.

Dale shares stories of couples who felt “too small” for big firms and explains why he doesn’t require account minimums or charge a fee just to put a full retirement income plan together.
He and Spike highlight the hidden dangers of relying on online calculators, generic rules of thumb like the “4% rule,” and random internet advice about Medi-Cal and long-term care.
You’ll learn why sequence of returns risk, market volatility, and high inflation can quietly derail a retirement that looks good on paper.

Throughout the show, Dale focuses on smoothing out the retirement “roller coaster” with strategies that coordinate income, investments, taxes, and long-term care planning.
If you’re in your 40s, 50s, or 60s and wondering whether it’s too late or too early to get serious help, this episode shows why now is the perfect time to start your own complimentary Retire Your Way review.

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Retire Your Way with Dale Soutas…Episode Highlights…

Soutas Financial & Insurance Solutions

333 West Shaw Avenue

Suite 106

Fresno, CA 93704

Phone: 559.230.1648

Fax: 559.230.1651