Dale welcomes special guest Tom Clark, known as “Mr. Social Security.” Dale and Tom discuss the history of Social Security and the many benefits it provides. With over 7,000 presentations delivered on Social Security and extensive experience working with the Social Security Administration, Tom brings a wealth of knowledge to the conversation. Tune in as they enlighten listeners with insightful and practical information about Social Security income.

Scams are evolving, and fraudsters are more sophisticated than ever. In this episode, Dale is joined by Eli Wilkerson of Praxis Detection SVCS, LLC to discuss ransomware, email fraud, AML, and why Knowing Your Customer is critical to protecting your finances. Learn the warning signs, common tactics criminals use, and practical steps that could save you thousands of dollars. Don’t miss this important conversation on fraud prevention.

Dale guest episode is with Eli Wilkerson from Praxis Detection SVCS, LLC, and they’re diving into the topic of how charities earn a large portion of their funds during the holidays. With the holiday season of giving comes the opportunity for people to contribute to meaningful causes, but it’s also the time when scammers are most active. The conversation centers on performing due diligence to ensure your donations are going to legitimate charities and avoiding fraudulent organizations.

Dale continues his conversation with John Kletchka, CPA at Condor, Kletchka & Associates, by emphasizing that while Roth accounts can be powerful tools, timing and strategy matter just as much as the decision itself. For employees still in their peak earning years or retirees with large required minimum distributions (RMDs) not yet started, converting too much too soon can trigger unnecessary taxes. Converting during years when income temporarily drops—such as early retirement before Social Security or RMDs begin—can often be far more tax-efficient. John also notes that uncertainty is one reason many companies now offer a Roth 401(k) option. With a Roth 401(k), employees can make after-tax contributions while working, gradually building tax-free retirement assets without the complexity of conversion timing or surprise tax bills. For those still working, contributing to a Roth 401(k) can reduce the need for large future Roth conversions. For retirees, carefully planned, partial Roth conversions over multiple years—rather than all at once—can help manage tax brackets, Medicare premiums, and Social Security taxation. The key takeaway from Dale and John’s discussion is that Roth strategies are not one-size-fits-all. Whether choosing a Roth IRA, a Roth 401(k), or waiting to convert, the goal is to coordinate contributions and conversions with your overall tax picture—a process best handled with thoughtful planning and professional guidance.

Dale sits down with John Kletchka, CPA at Condor, Kletchka & Associates, to discuss why so many retirees claim Social Security without a real plan—and how that can cost them. John explains why you shouldn’t retire just because you hit 65, and how building purpose into your next chapter is essential. Discover strategies to maximize your Social Security benefits and learn how turning a hobby into a business can provide surprising tax advantages. If you’re nearing retirement or already there, this conversation can help you create a more intentional, financially smart future.

Dale talks with Becky Burton, owner of Vitality Home Care, LLC, about the challenges of caring for a loved one at home. Providing care can take a real toll on family members. While many seniors wish to care for their spouses—and many adult children want to care for their aging parents—growing older often brings a loss of independence and the need for additional support. Listen as Dale and Becky discuss how home health care can help you or your loved one stay active, safe, and healthy during the aging process.

Join Dale this week as he continues his insightful conversation with Jennifer Huntington of JH Insurance Agency. Jennifer is a seasoned expert in Medicare Supplements, Medicare Advantage Plans, and health insurance benefits for both individuals and employers. With so many Medicare supplement options available today, having a knowledgeable advocate by your side can make all the difference. Jennifer helps you navigate your choices so you can make confident, well-informed decisions. Call Jennifer Huntington today at (806) 316-6306 to see how she can support you with all your Medicare insurance needs!

This week on the show, Dale welcomes Broc Carter from the Amarillo Area Foundation.
Broc joined the Foundation in 2015 as the No Limits No Excuses Program Officer and now serves as the Senior Director of Operations & Communications, overseeing communications, facilities, marketing, HR administration, IT, and serving as program manager for The Panhandle Gives. He’s dedicated to sharing the powerful story and impact of the Amarillo Area Foundation across the region. With The Panhandle Gives officially underway, Broc breaks down how the campaign works and how you can make a difference. Learn more at thepanhandlegives.org.
To find out how a Qualified Charitable Distribution can reduce your taxes, call Dale at (806) 358-7977 or 1-(800)-299-PLAN (7526).