Retirement Power Play with Tim Dyer

When the market is volatile, it's easy to feel like you're the only one who's ever felt this anxious. But the truth is, some of the greatest investors in history have lived through chaos, and they left behind wisdom that still applies today. In this episode, Tim turns to voices like Warren Buffett, Benjamin Graham, and Jack Bogle to remind us how to think, act, and stay grounded when everything feels uncertain. Tim talks about how emotional reactions sabotage long-term returns and why sticking to a well-built plan matters more than ever during downturns. Tim also shares a personal story about risk, real estate, and why even smart strategies can go sideways without careful planning. If market headlines are making you second-guess your next move, this conversation offers battle-tested wisdom for staying the course. Here’s some of what we discuss in this episode: 📉 Why panic is the investor’s worst enemy 🧠 What the financial greats have to say about downturns 📚 The "behavior gap" that costs investors thousands 🔁 Why staying the course only works after you build the right plan 🛡️ How to rethink risk before it blindsides you Disclosures: 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. 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

When the market drops, the instinct to ‘do something’ can be overwhelming, but what should you actually be doing? With volatility the theme of the month, let’s talk about the steps you can take today to start putting you in a better position when things turn around. In this episode, Tim walks through a calm, strategic approach to market volatility and explains why your response matters more than the headlines. From long-term planning to stress testing your portfolio and harvesting tax losses, Tim outlines the key moves smart investors can make when markets get bumpy. We’ll take you into some of our client conversations to explain why we often approach volatility as an opportunity and not a threat. This show will help you assess your risk tolerance, revisit your plan, and avoid emotionally driven mistakes. Here’s some of what we discuss in this episode: 📉 What to do (and not do) during a market drop 🧠 Why emotional decisions hurt long-term results 🛠️ Tools like tax loss harvesting and rebalancing 🔄 How dollar-cost averaging helps in volatile markets 📋 Creating clarity through planning and stress testing 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

Tariffs, ​stock ​markets, ​international ​geopolitical ​events. ​They ​all ​seem ​to ​be ​coming ​to ​a ​head, and ​we're ​starting ​to ​get ​a ​lot ​of ​questions ​about ​what ​could ​go ​wrong rather than what ​may ​have ​been ​going ​right. On ​today's ​show, ​we ​want ​to ​put ​some ​of ​these ​topics ​into ​context ​and ​give ​you ​an ​idea ​on ​where ​some ​of ​the ​potential opportunities ​may be moving forward. We’ll take a look at historical data and help put this volatility into context. Along the way, we’ll discuss the biggest market myths, how tariffs, government policies, and global events are affecting investor sentiment, and why long-term investing still works despite short-term fluctuations. Plus, we’ll explain the difference between pullbacks, corrections, and bear markets, and why staying invested is key to capturing growth. Here’s some of what we discuss in this episode: 📉 Market Volatility Explained – What’s happening & why it’s not unusual 📊 Pullback vs. Correction vs. Bear Market – Understanding market cycles 💰 Long-Term Investing Works – Why missing the best days in the market can cost you 🔄 The Role of Interest Rates & Valuations – How they impact stocks ⚠️ Avoid Emotional Investing – Why reacting to headlines can hurt your returns 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

Today we’re going ​to ​talk ​about ​a ​recent ​conversation ​Tim ​had ​with ​a ​client ​who ​was ​looking ​to ​borrow ​some ​money ​for ​a ​home ​renovation ​project. ​There ​were ​a ​couple ​of ​options ​ available ​to ​them, ​some ​of ​them ​pretty ​simple ​and ​some ​a ​little ​bit ​more ​in-depth. ​ Tim ​was ​surprised ​to ​learn ​that ​some ​of ​these ​things ​weren't ​as ​well-known ​as ​he ​thought ​they ​were so ​we wanted to ​share ​some ​of ​that ​information ​on ​the ​show ​to ​maybe ​get ​you ​thinking ​about ​some ​options ​that ​are available to you. Here’s what you’ll learn in this episode: 🏠 Margin Loans for Renovation · Borrow against your investment portfolio without liquidating assets · Avoid taxes and penalties that come with selling investments 💳 Securities-Backed Loans · Lower interest rates compared to margin loans · Use funds for non-investment purposes with less paperwork 💸 Traditional Financing Options · Personal loans, HELOCs, and cash-out refinancing · Understand the pros and cons of each choice and their impact on your financial future 🔍 Strategic Financial Planning · How to assess your goals and plan for repayment · Make informed decisions based on your financial situation We hope this episode provides essential tips on leveraging financing options to fund your renovation projects but reach out if you want to discuss what’s best for you.

We talk a lot about what happens during the planning process but the time we spend before starting the plan can uncover areas that can become quick wins. ​It’s important that we take the time to assess your current financial standing because this initial evaluation sets the stage for everything that follows. In this episode, we’re going to going to take you through the process and explain what we want to learn more about and why it’s important for long-term planning. By examining each of these areas, individuals can identify levers that can be adjusted for improved financial outcomes. Here’s what we’ll cover today: 🔍 Assess Your Current Financial Situation Ask yourself fundamental questions like "Am I okay?" and "Am I making the right decisions?" 💡 Quick Wins for Financial Health • Practical, immediate actions to enhance your financial standing • Understanding cash flow to optimize money management ⚖️ Risk Management & Income Planning Evaluate your risk tolerance and future income from assets to make proactive decisions 💸 Key Areas to Examine • Savings, expenses, debt, and taxes • How small adjustments can make a big difference over time 🔑 Small Changes, Big Impact "Small hinges swing big doors" — minor tweaks can lead to substantial improvements If you’re interested in getting this assessment started, get started right here: https://www.dyerwealthmanagement.com/start-here.html

As we step into 2025, understanding the key trends and potential changes in the economy and stock market can help individuals make informed decisions. Today we're going to highlight some key sectors and financial areas that are most important to wealth management. Find out what Tim's watching in 2025. CONTACT Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937 Email: tim@dyerwm.com Location: La Jolla, CA Disclosures: 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.

With college acceptances, school enrollments, and financial aid deadlines approaching, now’s the time to plan for education expenses. Whether it’s for your children or grandchildren, we’ll explore three smart strategies to invest in their future and make saving for college a step toward their dreams. CONTACT Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937 Email: tim@dyerwm.com Location: La Jolla, CA Disclosures: 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.

The Dyer family recently enjoyed a big birthday weekend, which included a trip to Disney. Tim was in for an unexpected surprise when he got there and had an unforgettable time. As always, he came away with valuable insights and lessons, which we’re excited to share with you on this episode of Retirement Power Play. CONTACT Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937 Email: tim@dyerwm.com Location: La Jolla, CA Disclosures: 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.

Tim recently hosted his year-end tax webinar, and if you joined us – thank you! If you missed it, don’t worry. In today’s episode, we’re recapping the key takeaways from the event and some important items you should be thinking about moving forward. CONTACT Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937 Email: tim@dyerwm.com Location: La Jolla, CA Disclosures: 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.

Year-end is always a busy season in financial planning, and at Dyer Wealth, we're in the midst of year-end client reviews. Today, we're sharing some of the key topics and questions that have been coming up in these meetings. Stay tuned! CONTACT Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937 Email: tim@dyerwm.com Location: La Jolla, CA Disclosures: 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.

The financial landscape is changing rapidly, and if you’re focused on retirement, these shifts can’t be ignored. In today’s episode, we break down the trends that will define the rest of 2024 and what they mean for your retirement plan. View the Wall of Worry Timeline HERE CONTACT Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937 Email: tim@dyerwm.com Location: La Jolla, CA Disclosures: 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.

In this episode, we’re exploring some of the world’s most unique and quirky fears—and believe it or not, they have a lot more in common with your financial life than you might think. From the fear of long words to the fear of peanut butter sticking to the roof of your mouth, we’ll explore how these anxieties mirror some of the biggest concerns in financial and retirement planning. CONTACT Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937 Email: tim@dyerwm.com Location: La Jolla, CA Disclosures: 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.