💬 Ready to take control of your financial future? Let’s chat!

📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.html

A new year brings a clean slate, but only if you use it wisely. In this episode, Tim covers how to avoid early missteps and build momentum that lasts beyond January. The steps you take now quietly shape the rest of the year, so start strong and set yourself up for lasting success!

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

🚀 Fresh Start – Setting financial priorities early in year

⚠️ Early Mistakes – Common errors that derail momentum

⚖️ Concentration Risk – Overexposure and delayed planning dangers

🧾 Taxes & Retirement – Coordinating planning before deadlines

🧩 Systems & Frameworks – Building repeatable financial processes

👣 Action Steps – Practical moves for a strong year

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...

What lessons from 2025 should shape decisions going into 2026? In this episode, Tim reflects on a year marked by sharp swings, headline-driven fear, and powerful lessons about staying invested when conviction is tested. As the calendar turns, this review helps frame 2025 clearly and sets a smarter foundation for 2026.

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

📅 Year in Review: Why 2025 was a year worth learning from

📊 Market Performance: Strong returns despite turbulence

🧠 Behavioral Finance: Why emotions matter more than forecasts

🧩 Portfolio Structure: Allocation, liquidity, and concentration

🔮 Looking Ahead: Preparing with clarity for 2026

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...

Tim’s 50th birthday wasn’t just a milestone, it became a trip filled with adventure, surprises, and a few unexpected lessons about life and retirement. The stories he shares today tie directly into the mindset shifts that often surface as retirement gets closer.

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

🏙️ Miami Birthday Trip: milestone celebration with close friends

🎣 Deep Sea Fishing: early-morning catch and luxury boating

🐊 Everglades Adventure: airboat ride and alligator encounters

🚤 Flamingo Houseboats: quiet waters and nature-filled escape

🧭 Retirement Reflections: mindset shifts and future planning

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...

💬 Ready to take control of your financial future? Let’s chat!

📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.html

As 2025 winds down, it’s the perfect time to tighten up your tax strategy and make sure you’re not leaving opportunities on the table. In this episode, Tim breaks down the practical steps that can help you manage your income, optimize your accounts, and position yourself well heading into next year. It’s a straightforward, no-fluff conversation designed to help you make intentional moves before December 31.

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

🔄 Roth Conversion Windows: recognizing opportunities while the clock is ticking

📊 Loss & Gain Harvesting: using the market to your tax advantage

🎁 Charitable Giving Moves: smart ways to give and get a tax benefit

💼 Retirement Plan Tune-Up: maximizing contributions and account efficiency

🏢 Business Owner Breaks: deductions and strategies entrepreneurs often miss

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...

💬 Ready to take control of your financial future? Let’s chat!

📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.html

Small business owners often assume a 401(k) is too complicated, too expensive, or only for big companies, but that’s simply not true anymore. Tim sits down with Mark Fowler, Director of Retirement Education at Human Interest, to discuss how technology, tax incentives, and new state mandates have changed the retirement plan landscape for employers. Mark shares why offering a 401(k) isn’t just doable, it’s one of the smartest ways to attract talent, save on taxes, and stay compliant.

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

👤 Mark’s Mission: helping small businesses offer meaningful retirement benefits

🏪 Small Biz Challenges: why owners feel stuck on retirement plans

💼 Why 401(k)s Matter: retention, attraction, and owner retirement advantages

💸 Tax Incentives: credits, deductions & cost-saving opportunities most owners miss

📜 State Mandates: what new laws require and the penalties for ignoring them

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...

💬 Ready to take control of your financial future? Let’s chat!

📅 Book a time now 👉 https://www.dyerwealthmanagement.com/start-here.html

What does it mean to build real connections in an increasingly digital world? Tim sits down with Fred Steck (author, speaker, and former national sales manager at Goldman Sachs) to explore authenticity, leadership, and the human side of success. Fred shares stories from Wall Street to retirement, revealing how vulnerability, curiosity, and meaningful relationships shape a lasting legacy.

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

🔥 Personal Motivation: what inspired his new book

🏢 Goldman Sachs Culture: lessons in teamwork, trust, and collaboration

💡 Authenticity & Vulnerability: why openness builds stronger bonds

📱 Digital vs. Personal: how technology shapes (and strains) relationships

🌱 Life After Work: redefining purpose and connection in retirement

🏆 Legacy: how meaningful relationships outlast careers and achievements

Buy on Amazon - Connectability: Mastering Relationship Building in Business, Sales, and Beyond: https://www.amazon.com/Connectability-Mastering-Relationship-Building-Business/dp/1639081577

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...

💬 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...

💬 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...