In this episode of Retire Your Way, Dale Soutas and Spike dive into the end-of-year retirement checklist and why your required minimum distributions (RMDs) matter more than ever. Dale explains how the RMD age has changed, how your December 31st balance drives what you must withdraw, and what happens if you stubbornly refuse to take your distribution. You’ll hear real-life examples of retirees facing big tax bills—and how smart planning can help you avoid penalties, smooth out your income, and keep more of what you’ve saved. Dale also reveals a powerful way to use your RMDs for charitable giving so you can support causes you care about while potentially paying zero tax on those dollars. From church donations to helping family members, he walks through practical strategies for turning tax headaches into meaningful impact. The conversation then shifts to legacy planning, trusts, and how to keep your home and other assets out of probate and in the family where they belong.
You’ll also hear how Dale helps business owners reduce taxes by exploring S-corp structures and coordinating with

CPAs and attorneys as part of a full-picture retirement plan. He shares a story of a couple with “oodles” of savings who were on track—but could still improve their legacy and income by smoothing out market risk and adding guaranteed income tools. Dale and Spike discuss how every plan starts with a “discovery visit” that focuses first on your lifestyle, goals, and the kind of retirement you actually want, not just the numbers on a statement. They emphasize why taxes, health care, and Medicare choices all tie into your ability to be and stay retired with confidence. By the end of the show, you’ll see how a written, personalized retirement income roadmap can help you enjoy life now, support the people and causes you love, and still have a plan that can last to age 100 and beyond. If you’re wondering whether your RMDs, taxes, and estate plans are truly working together, this is an episode you won’t want to miss.

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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