R.D. Smothers Wealth Management

07/14/2026

🎉 Happy Birthday to McKenzy! 🎉

If you’ve been a client of RDS over the past 5 years, there’s a good chance you’ve talked with her on the phone or seen her smiling face around the office.

While our team may joke that she’s the quiet one, we know her calm personality is one of her greatest strengths. She is thoughtful, incredibly knowledgeable, and the kind of person everyone wants to have on their team.

We hope you have the best birthday, MK! 🎈

07/10/2026

Our hearts are full after such a great 4th of July celebration! 🇺🇸

We loved opening our doors for clients, friends, and neighbors to gather, watch the parade, and enjoy time together. Handing out cotton candy and seeing all the kids' big smiles made the day even more special!

Thank you to everyone who stopped by, waved hello, or shared a few moments with us. We're grateful to be part of such an amazing community and look forward to making more memories together!

07/09/2026

Retirement isn't one-size-fits-all. During your working years, your strategy should focus on growth. But as you approach retirement, every financial decision becomes more important- just like landing an airplane.

At RDS Wealth, we help guide clients through every phase of retirement with strategies designed for growth, income, and preserving what you've built.

📍Ready to build your retirement plan? Visit rdswealth.com to learn more.

07/07/2026

It’s a month of celebrations here at RDS, and we’re kicking things off by celebrating Taylor’s first RDS-iversary!

Over the past year, Taylor has become a valued member of our Relations Team. She’s the smiling face that welcomes our clients through the doors of our Campbellsville office and a dependable teammate who helps keep the office running smoothly each day. We’re thankful for the care she brings our clients and our team!

Join us in wishing Taylor a very happy first RDS-iversary! 🎉🥳

07/02/2026

In observance of the 4th of July Holiday, our Bowling Green office will be closed Friday, July 3rd, and our Campbellsville office will be closed on Monday, July 6th.

While our offices may be closed, our commitment to serving you remains the same! Our team will continue monitoring phone calls and emails throughout both days should any questions or needs arise!

Happy Independence Day from all of us at RDS!

06/29/2026

For retirees, the bigger takeaway isn't which stock to buy. It's whether your retirement income plan is built to handle volatility like this without forcing you to sell at the wrong time. We are here to help you alleviate that worry!

Markets don't move in straight lines and for retirees, every dip ra...

06/26/2026

Happy Birthday to our newest RDS Advisor, Dalton! 🎂

Dalton recently joined our team, and he is already making a tremendous impact! His positive attitude, willingness to jump in wherever needed, and genuine care for our clients shine through in everything he does.

Help us wish Dalton a very happy Birthday!

06/23/2026

Some of the most common retirement advice out there is missing the ...

06/17/2026

Risk On, Risk Off: The Mr. Miyagi Approach to Retirement Planning

We recently wrote about this concept for Kiplinger, and it's the same philosophy I talk about with clients every week: the first 10 years of retirement are the riskiest years for your money and how you handle "risk on, risk off" decisions during that stretch can make or break your plan.

We call it the Mr. Miyagi Portfolio. Wax on, wax off. Risk on, risk off.

Here's what that means in practice. Every retiree's income phase needs two pieces working together: a "risk on" position that stays invested for growth, and a "risk off" position that has zero chance of downside. How much goes into each depends entirely on where someone is in their retirement journey- there's no universal split.

Right now, our "risk on" piece is heavy on index leadership. We recently repositioned money out of the major indexes and into Oracle specifically, because our philosophy is to overweight the leaders and take advantage of pullbacks in strong names rather than just riding the broad index.
The point isn't to avoid risk altogether. It's to know exactly how much risk you're carrying, and why.

If you want to read the full breakdown, I covered it in Kiplinger here: https://www.kiplinger.com/retirement/risk-on-risk-off-the-mr-miyagi-approach-to-retirement-planning

And if you want to talk through what your own risk on/risk off split should look like, give us a call at 270.600.PLAN or visit https://rdsmotherswealth.com/contact/

Retire the Way You Desire™
Save Money. Plan Well. Live Happy.


https://www.youtube.com/shorts/6sJk8R806xA

Why we build portfolios with a "risk on, risk off" philosophy - and...

06/11/2026

At RDS Wealth, we often talk about legacy in terms of financial planning, but some of life's most meaningful legacies aren't measured in dollars and cents.

They're built through shared experiences, laughter, memories, and quality time with the people we love.

This past Sunday, we had the privilege of hosting our Grandparents on Us event at The Alley and it was a sweet reminder of what retirement is truly about. Watching grandparents bowl alongside their grandchildren, share stories, cheer each other on, and simply enjoy being together was something special.

Retirement isn't just about having enough money. It's about having the freedom to spend time with the people who matter most and creating memories that will last for generations.

A big thank you to all of our clients and their families who joined us. We are grateful for the opportunity to serve you and to celebrate these meaningful moments together! ❤️