Retirement Power Play with Tim Dyer – Details, episodes & analysis

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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: tim@dyerwm.com

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: tim@dyerwm.com

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.

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

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: tim@dyerwm.com

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.

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: tim@dyerwm.com

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: tim@dyerwm.com

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.

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: tim@dyerwm.com

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.

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

Southern California is know for tech companies and those corporations often offer unique benefits packages. Over the years, we’ve built a relationship with one of the biggest in San Diego, Qualcomm. Today we’re going to talk about that journey and how we’ve grown to work with many of their employees to help them manage their wealth and get the most out of their employment. 

We’ll share how our approach has evolved over more than two decades, moving beyond simple investment advice to a full-spectrum financial strategy that weaves together tax optimization, estate planning, and budgeting to help clients keep more of what they earn. You’ll also learn more about the growing responsibilities employees face as they build wealth, with family obligations and career progression adding complexity to their financial decisions. 

Here’s some of what we discuss in this episode:

🧩 Navigating Qualcomm’s Unique Compensation and Benefits

💼 Understanding Stock Options and Employee Benefits for Wealth Building

🏠 Building a Financial Plan that Adapts to Growing Responsibilities

💰 Using Tax Strategies to Enhance Wealth and Retirement Security

Book at Time to Chat: https://www.dyerwealthmanagement.com/start-here.html 

Website: https://www.dyerwealthmanagement.com/ 

Phone: 858-459-3937

Email: tim@dyerwm.com

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

You’ve been saving and investing for years, but is that enough to say you’re truly ready to retire? In this episode, Tim explains why building an investment portfolio is only the tip of the iceberg. Real retirement readiness requires looking beneath the surface, at things like lifestyle expectations and Social Security strategies. It’s about more than hitting a number, it’s about ensuring your money supports the life you actually want to live, while also protecting you from risks that could derail your plans.

Tim breaks down the common blind spots many pre-retirees overlook, like underestimating spending, assuming Social Security is simple, or not preparing for health care costs in the “slow-go” and “no-go” years. He shares practical exercises to test your actual spending, thoughtful questions to clarify your travel and hobby goals, and insights into how reverse mortgages and long-term care planning might fit into your strategy. Retirement planning is about designing how you’ll live, what will bring you joy, and how you’ll care for your health so you can enjoy the best quality of life for as long as possible.
 

Here’s some of what we discuss in this episode:

💵 Reality check: track your actual spending, not just what you think you spend

🧳 Plan ahead for travel, hobbies, and lifestyle changes

🏠 Understand home decisions: downsizing, relocating, reverse mortgages

🏥 Don’t overlook health care, Medicare, and long-term care costs

Book at Time to Chat: https://www.dyerwealthmanagement.com/start-here.html 

Website: https://www.dyerwealthmanagement.com/ 

Phone: 858-459-3937

Email: tim@dyerwm.com

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 

In this episode, Tim gives us a lesson on “fuzzy math” and shows how numbers that sound right can still be dangerously wrong. He breaks down three common myths that could undermine your income, investments, and tax strategy—showing how to spot the flaws before they cost you. Because in money, small math mistakes can snowball into big, expensive problems. And the danger is, you often don’t see them until it’s too late.

Tim exposes the hidden traps that can derail even the best-laid retirement plans and how to avoid them. You’ll discover why some “safe” moves backfire, how small changes can snowball into big losses, and the planning tweaks that help you keep more of what you earn for decades to come. You’ll also learn to spot the math errors that look harmless but can quietly drain your wealth. 

Here’s some of what we discuss in this episode:

💸 The risks of a dividend-only strategy

📊 The misleading promise of “average returns” 

🛡️ Protecting income in down markets

📜 Building a long-term tax plan

💡 Tax bracket myths in retirement

Book at Time to Chat: https://www.dyerwealthmanagement.com/start-here.html 

Website: https://www.dyerwealthmanagement.com/ 

Phone: 858-459-3937

Email: tim@dyerwm.com

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

Sometimes life comes at you fast, especially when you’re staring down a herd of bison in the middle of Montana. In this episode, Tim shares a personal story that starts with a scenic hike and ends with a wild reminder about risk, regret, and reacting under pressure. What began as a memorable family trip quickly turned into a powerful metaphor for how many people approach their financial future: waiting too long, ignoring warning signs, and thinking, “It won’t happen to me.”

Tim connects this close call in nature to the very real dangers of procrastinating in retirement planning. He talks about what the moment taught him about urgency, decision-making, and the emotional weight of “what ifs.” It’s a short, honest reflection with some big lessons: Don’t wait until you're panicked to make a move. Don’t assume you’re safe because you’ve made it this far. And most of all, don’t ignore the bison-sized risks charging toward your financial future. 

Here’s some of what we discuss in this episode:

🦬 What a herd of bison taught Tim about control, patience, and perspective

🧭 Why life’s curveballs are a reason to pivot, not pause

🛫 Mental health, joy, and experiences as essential parts of retirement planning

🏒 Blending community, purpose, and passion through the Warrior for Life Fund

🎂 Tim’s turning 50 and crowdsourcing big ideas for meaningful experiences

Book at Time to Chat: https://www.dyerwealthmanagement.com/start-here.html 

Website: https://www.dyerwealthmanagement.com/ 

Phone: 858-459-3937

Email: tim@dyerwm.com

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.