Episode 243: End-of-Year Market Recap & Retirement Planning for 2026

Описание: On this episode of the Retirement Matters Podcast, we wrap up the year by discussing important end-of-year retirement planning moves and what to consider as we prepare for 2026. We break down current market conditions, recent trends, and why January and February often help set the tone for the year ahead.

We also explain the difference between the growth phase and income phase of retirement planning, why understanding which phase you’re in matters, and how proper positioning can help manage market volatility. As we head into a new year, we discuss how uncertainty can lead to market overreactions and what that means for long-term retirement strategies.

Whether you’re approaching retirement or already planning for income, this episode provides practical insights to help you think through opportunity, risk management, and preparation as we move toward 2026.

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DISCLOSURE: R.D. Smothers Wealth Management is a state-registered investment adviser under the laws of the Commonwealth of Kentucky. Registration as an investment adviser does not imply any level of skill or training. Insurance products and services are offered and sold through RDS Insurance Group. R.D. Smothers Wealth Management and RDS Insurance Group are affiliated but separate entities. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. For more information please visit: https://adviserinfo.sec.gov and search for our firm name. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future results.