GDS Unplugged Podcast

Understanding What Your 401(k) May Be Costing You (Fees, Taxes, and Missed Opportunities) [Ep. 13]

About this Episode 
Most retirement savers know their 401(k) is their biggest account. What many don’t realize is just how many rules, fees, and strategies surround these plans, and how costly missteps can be. 
On this episode of GDS Unplugged, adviser Tim Allin, CFP®, CEPA®, shared insights on everything from early withdrawal provisions to the much-talked-about “Mega Backdoor Roth.” Below are the highlights. 
 
Resources: 
Ready to take your learning to the next step? 
Connect with Glen Smith and Robert Casey on LinkedIn. 
Check out our blog on saving for retirement. 
Subscribe to our YouTube channel. 
Contact GDS Wealth Management for a complimentary financial consultation. 
 
Why Listen? 
This episode is filled with practical insights that can help you uncover the often-overlooked costs, rules, and opportunities within your 401(k). 
From hidden fees and Required Minimum Distributions to early withdrawal strategies, target-date fund pitfalls, and advanced approaches like the Mega Backdoor Roth, adviser Tim Allin and Glen Smith cover it all. 
Tune in to explore ways to better understand retirement strategies, avoid common pitfalls, and align your plan with your long-term goals. Don’t miss this opportunity to learn more about taking steps to better understand and prepare for your financial future.  
 
Disclosures:
GDS Wealth Management (“GDS”) is an SEC-registered investment adviser; registration does not imply a certain level of skill or training. This content is for informational and educational purposes only and is not investment, legal, accounting, or tax advice, nor a recommendation to buy or sell any security or strategy. All investing involves risk, including possible loss of principal. Past performance is not indicative of future results. Glen Smith and Tim Allin are registered with GDS Wealth Management; the views they express are their own and do not necessarily reflect those of GDS or its clients. Retirement and tax are complex, can change over time, and vary by plan. Be sure to review current limits and rules carefully and consult with a qualified adviser and CPA/attorney before making decisions. Mentions of third-party providers are for illustration only and not endorsements; GDS does not guarantee their services. Any forward-looking statements are subject to change and are not guarantees. For more information about services, fees, and disclosures, visit www.gdswealth.com.

Adviser Theft: More Common Than You Think [Ep. 12]

About This Episode 
In this episode of GDS Unplugged, Glen Smith and Robert Casey open a candid conversation most investors rarely hear in plain English: how to protect yourself from adviser fraud, from the subtle red flags to the urgent steps to take if you suspect something’s wrong. 
It’s a practical, no‑nonsense guide grounded in decades of experience and recent real‑world headlines. The goal isn’t to make you fearful; it’s to make you prepared.
 
Resources 
Verify an adviser: • FINRA BrokerCheck — brokercheck.finra.org • SEC Adviser Search — adviserinfo.sec.gov 
Keep learning: • Connect with Glen Smith and Robert Casey on LinkedIn. • Listen to more episodes of GDS Unplugged for practical financial insights. • Learn more about planning strategies on our blog page. • Questions: leave us a comment on YouTube or send yours to gds@gdswealth.com. 
 
Why Listen? 
This episode aims to replace fear with a checklist, hype with healthy skepticism, and jargon with clarity, so you can spot trouble early, ask better questions, and keep your wealth plan on track. 
Because in personal finance, simple, transparent, and verifiable beats slick, secret, and “too steady” every time. 
 
Disclosures:
GDS Wealth Management (“GDS”) is an SEC‑registered investment adviser. Registration does not imply a certain level of skill or training. This content is for informational and educational purposes only and does not constitute investment, legal, or tax advice, nor a recommendation to buy or sell any security. Examples of independent custodians include Raymond James, Charles Schwab, and Fidelity Investments. GDS Wealth Management does not endorse any specific provider Investing involves risk, including possible loss of principal. Past performance is not indicative of future results. Advisory services are provided only where GDS and its representatives are properly licensed or exempt. For additional information about our services, fees, and disclosures, please visit https://www.gdswealth.com/disclosures. 

Retirement Mistakes to Avoid [Ep. 11]

About This Episode 
In this episode of GDS Unplugged, Glen Smith and Robert Casey dive deep into one of the most critical topics in personal finance: the biggest retirement mistakes people make, and how to avoid them. With over two decades of experience guiding clients through retirement planning, they share real-life stories, expert insights, and practical advice for both DIY investors and those considering professional support. 
Whether you're nearing retirement or just starting to think about it, this episode offers a candid look at what can go wrong, and how to better prepare for the future.  
 
Resources 
Ready to take your learning to the next step ? 
Connect with Glen Smith and Robert Casey on LinkedIn.  
Listen to more episodes of GDS Unplugged for practical financial insights. 
Learn more about retirement planning strategies. 
Contact GDS Wealth Management for a complimentary financial consultation.   
Submit your questions to Glen and Robert’s GDS Unplugged mailbag by emailing gds@gdswealth.com.  
 
Why Listen? 
This episode is packed with real-world wisdom and practical advice. Whether you're a seasoned investor or just starting out, Glen and Robert offer a grounded perspective on how to protect your retirement and your peace of mind. 
Because when it comes to retirement, simple is smart. And smart is secure. 
 
Disclosure
GDS Wealth Management (“GDS”) is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. Advisory services are offered where GDS and its representatives are properly licensed or exempt. This podcast and blog are for informational purposes only and do not constitute investment, legal, or tax advice. All investments involve risk, including possible loss of principal. The views expressed are those of the speakers as of the recording date and may change without notice. References to market performance or investment outcomes are hypothetical and illustrative and do not guarantee future results. Mentions of public figures are for illustrative purposes only and do not imply endorsement. Any client stories or examples shared are for illustrative purposes only and do not constitute testimonials or endorsements. No compensation was provided, and individual experiences may not reflect typical outcomes. Awards and professional designations reflect past achievements and do not guarantee future performance. For more information about services, fees, and disclosures, visit: https://www.gdswealth.com. 
 

Real Estate vs. Stock Market: What Makes More Money? [Ep. 10]

About This Episode
In this episode of GDS Unplugged, Glen and Robert tackle a frequently asked question in personal finance: Which investment strategy makes more money, real estate or stocks? With decades of experience and a practical approach to financial planning, they break down the pros, cons, and nuances of each investment type. 
  
If you're a seasoned investor or just starting out, this episode offers a balanced perspective and insights into how you can align your investment choices with your financial goals, risk tolerance, and lifestyle. 
Resources 
Ready to take your learning to the next step ? 
Connect with Glen Smith and Robert Casey on LinkedIn.  
Click here to read more helpful information about the stock market. 
Contact GDS Wealth Management for a complimentary financial consultation.   
Submit your questions to Glen and Robert’s GDS Unplugged mailbag by emailing gds@gdswealth.com.  
Why Listen? 
This episode is full of practical advice and real-world insights to help you choose the right investment strategy. Glen and Robert discuss both the emotional and financial aspects of investing, sharing guidance on ways to keep your approach practical and straightforward.  
  
If you're weighing your options or refining your portfolio, this episode aims to help you make informed decisions and get you closer to reaching your financial goals. 
Disclosure:   
GDS Wealth Management (“GDS”) is an investment adviser registered with the Securities and Exchange Commission. Registration does not imply a certain level of skill or training. The content of this blog is for informational purposes only and should not be construed as personalized investment advice or a recommendation to buy, sell, or hold any specific securities, real estate, or investment products. References to individuals, companies, services, products, or strategies are illustrative and not endorsements or recommendations. Examples, testimonials, and performance data are for illustrative purposes only, not guaranteed, and may not reflect typical results. All investing involves risk, including the potential loss of principal. Diversification and asset allocation do not ensure a profit or protect against loss. Past performance is not indicative of future results. Readers should consult a qualified financial, tax, or legal professional regarding their specific situation before making investment decisions. For additional information, including services, fees, material risks, and disclosures, please visit https://www.gdswealth.com/.

Managing Your Own Investments? Common Gaps To Consider in D.I.Y Financial Plans [Ep. 9]

About This Episode 
In this episode of GDS Unplugged, Glen and Robert dive into the world of do-it-yourself (D.I.Y.) financial planning. While managing your own investments can be empowering, it also comes with significant risks. From emotional decision-making to tax missteps and sector bias, this episode unpacks the common challenges that can derail even the most well-intentioned D.I.Y. investor. 
If you're a seasoned self-manager or just considering taking the reins, this episode offers valuable insights and considers when might be a good time to partner with a professional. 
Resources 
Ready to take your learning to the next step?   
Connect with Glen Smith and Robert Casey on LinkedIn.   
Check out our blog on Strategic vs. Tactical Investing. 
Subscribe to our YouTube channel.   
Contact GDS Wealth Management for a complimentary financial consultation.   
Submit your questions to Glen and Robert, GDS Unplugged mailbag by emailing gds@gdswealth.com.   
 
Why Listen? 
This episode is a must-listen for anyone managing their own investments or considering it. Glen and Robert break down the emotional, strategic, and tax-related challenges of D.I.Y. investing, and explain how a professional adviser can help you avoid costly mistakes. Tune in to learn how to protect your portfolio, your time, and your future. 
 
Disclosure: 
GDS Wealth Management (“GDS”) is an investment adviser registered with the Securities and Exchange Commission (“SEC”). Registration does not imply a certain level of skill or training. The information provided in this blog and podcast is for informational purposes only and should not be construed as investment advice or a recommendation to buy or sell any specific securities. All investing involves risk, including the potential loss of principal. Past performance is not indicative of future results. The examples provided are for illustrative purposes only and do not reflect actual client experiences or outcomes. Tax information provided is general in nature and should not be construed as tax or legal advice.  For additional information about our advisory services, fees, and disclosures, please visit  www.gdswealth.com. 

Tax-Smart Giving with Donor Advised Funds [Ep. 8]

About This Episode 
In this episode of GDS Unplugged, Glen and Robert explore the often-overlooked strategy of tax-smart giving through Donor-Advised Funds (DAFs). They break down what a DAF is, how it works, and why it might be a smart move for charitably inclined individuals. Whether you're new to charitable giving or looking to optimize your tax strategy, this episode offers practical insights. 
 
Resources 
Ready to take your learning to the next step?   
Connect with Glen Smith and Robert Casey on LinkedIn.   
Check out our blog on Maximizing the Impact of Your Year-End Giving   
Subscribe to our YouTube channel.   
Contact GDS Wealth Management for a complimentary financial consultation.   
Submit your questions to Glen and Robert, GDS Unplugged mailbag by emailing gds@gdswealth.com.   
 
Why Listen? 
This episode is packed with actionable advice on how to use Donor-Advised Funds to enhance your charitable giving and reduce your tax burden. Glen and Robert make a compelling case for why DAFs are no longer just for the wealthy and how they can fit into a broader financial strategy for anyone who wants to give back. 
 
Disclosure:
GDS Wealth Management (“GDS”) is an investment adviser registered with the Securities and Exchange Commission (“SEC”). Registration does not imply a certain level of skill or training. This content is for informational and educational purposes only and does not constitute personalized investment advice, tax advice, legal advice, or a recommendation to buy or sell any securities. The views expressed by the hosts are their own as of the recording date and may not reflect the views of GDS. All investments involve risk, including possible loss of principal, and past performance is not indicative of future results. Discussions related to precious metals or other speculative investments are intended to be illustrative. GDS does not generally recommend speculative investments as core portfolio holdings due to their volatility, uncertain income generation, and limited historical performance relative to broad equity markets. References to specific securities, investments, or strategies are for illustrative purposes only and do not constitute an offer or solicitation, nor should they be considered a recommendation to invest in any specific security. Testimonials or endorsements from clients may not be representative of the experience of all clients and are not a guarantee of future performance or success. For additional details about our services, fees, and regulatory disclosures, please visit www.gdswealth.com. 

How to Think About Social Security Timing as You Approach Retirement [Ep. 5]

About This Episode 
Timing Social Security is one of the most important—and misunderstood—decisions in retirement planning. In this episode of GDS Unplugged, Glen and Robert unpack the math, myths, and mindset behind when to claim your benefits. From break-even ages to Medicare penalties and spousal strategies, this episode is packed with insights to help you make the most of your Social Security. 
Whether you're nearing retirement or just planning ahead, this episode will help you understand how to align your Social Security decisions with your financial goals. 
Resources 
Connect with Glen Smith and Robert Casey on LinkedIn. 
Contact GDS Wealth Management for a complimentary financial consultation.  
Submit your questions to Glen and Robert’s GDS Unplugged mailbag by emailing gds@gdswealth.com. 
Why Listen? 
This episode is packed with practical insights and real-life scenarios to help you make informed decisions about when and how to claim Social Security. Whether you're approaching retirement, still working, or planning for a spouse, Glen and Robert break down the math, the myths, and the must-knows. Tune in to gain clarity on break-even ages, Medicare implications, spousal benefits, and how to avoid costly mistakes. Don’t miss this opportunity to take control of your retirement strategy with confidence. 
 
Disclosures
GDS Wealth Management (“GDS”) is an SEC Registered Investment Adviser. Registration as an investment adviser does not imply a certain level of skill or training. The information presented in this podcast is intended for general informational purposes only and does not constitute investment, legal, tax, or other professional advice. Discussions in this episode about Social Security benefits, Cost-of-Living Adjustments (COLA), Medicare, and Income-Related Monthly Adjustment Amounts (IRMAA) are based on current laws, thresholds, and benefit formulas as of the recording date. These government programs are complex and subject to change. Any references to stock market performance, historical trends, or investment outcomes are provided for illustrative purposes only. Past performance does not guarantee future results. All investing involves risk, including the potential loss of principal. The views and opinions reflect the authors as of the publication date and are subject to change without notice. This podcast does not guarantee any specific financial outcome or result from the implementation of any strategies discussed. For more information about GDS Wealth Management, including a description of services, fees, and important disclosures, please visit https://www.gdswealth.com. 

Not All Money Managers are the Same [Ep. 7]

About This Episode 
In this episode of GDS Unplugged, Glen and Robert dive deep into the often-confused worlds of investment management and wealth management. They unpack the differences, the responsibilities, and the real-life implications of choosing one over the other. From licensing requirements to financial planning software, this episode is ideal for anyone serious about their financial future. 
 
Resources 
Ready to take your learning to the next step?   
Connect with Glen Smith and Robert Casey on LinkedIn.   
Check out our podcast on The Truth About Adviser Fees.   
Subscribe to our YouTube channel.   
Contact GDS Wealth Management for a complimentary financial consultation.   
Submit your questions to Glen and Robert, GDS Unplugged mailbag by emailing gds@gdswealth.com.   
  
 
Why Listen? 
This episode is packed with practical insights and real-life scenarios to help you distinguish between investment and wealth management. Whether you're just starting your financial journey or planning for retirement, Glen and Robert provide the clarity you need to make confident, informed decisions. 
 
Disclosures:
GDS Wealth Management (“GDS”) is an SEC Registered Investment Adviser. Registration as an investment adviser does not imply a certain level of skill or training. The information presented in this podcast is intended for informational purposes only and does not constitute investment, legal, tax, or other professional advice.  Any references to financial planning, wealth management, investment management, or advisor credentials such as “fiduciary” or “fee-only” are general in nature and may not reflect the qualifications or services of all financial professionals. Examples and scenarios shared in this podcast are hypothetical, intended for illustrative purposes only, and do not guarantee future results. Past performance is not indicative of future outcomes. All investing involves risk, including the potential loss of principal. No strategy can ensure success or protect against losses in all market environments. The views and opinions reflect the authors as of the publication date and are subject to change without notice. This podcast may reference third-party tools, custodians, technology platforms, or financial planning software. Such references are not endorsements and should be independently evaluated. For more information about GDS Wealth Management, including a detailed description of our services, fees, and important disclosures, please visit https://www.gdswealth.com. 

What Experienced Investors Do When the Market Drops [Ep. 6]

About This Episode
Market volatility can rattle even the most seasoned investors. In this episode of GDS Unplugged, Glen and Robert break down how to stay calm, stay smart, and stay invested when the market gets choppy. From historical context to diversification strategies and real-life examples, this episode is your guide to navigating uncertainty with confidence.
 
Whether you're a long-term investor or just getting started, Glen and Robert offer practical insights to help you manage risk and make informed decisions—no matter what the market throws your way.
 
Resources
Ready to take your next step?
Connect with⁠ Glen Smith⁠ and⁠ Robert Casey⁠ on LinkedIn.
Contact GDS Wealth Management for a⁠ complimentary financial consultation⁠.  
Submit your questions to Glen and Robert’s GDS Unplugged mailbag by emailing ⁠gds@gdswealth.com.⁠ 
 
Why Listen?
This episode is packed with practical advice and real-life examples to help you navigate market volatility with confidence. Glen and Robert break down the myths, the math, and the mindset behind smart investing. Whether you're weathering a downturn or planning your next move, this episode will help you stay grounded and focused on your long-term goals.
 
Disclosure:  
GDS Wealth Management (“GDS”) is an SEC Registered Investment Adviser. Registration as an investment adviser does not imply a certain level of skill or training. The information presented in this podcast is intended for general informational purposes only and does not constitute investment, legal, tax, or other professional advice. Any references to market performance, economic conditions, financial planning concepts, or historical returns are intended for illustrative purposes only and do not represent actual client accounts. Any commentary related to portfolio strategies, fiduciary responsibilities, or financial advisor selection is general in nature. Listeners should carefully consider their own financial situation, objectives, and risk tolerance before making any investment decisions or selecting a financial professional. Past performance does not guarantee future results. All investing involves risk, including the potential loss of principal. The views and opinions reflect the authors as of the publication date and are subject to change without notice. This podcast does not guarantee any specific financial outcome or result from the implementation of any strategies discussed. For more information about GDS Wealth Management, including a description of services, fees, and important disclosures, please visit ⁠https://www.gdswealth.com⁠.

What You’re Paying Your Financial Advisor (And Whether It’s Worth It) [Ep. 4]

About This Episode  
Fee-only vs. fee-based financial advisers is a crucial topic for anyone looking to make informed decisions about their financial future. Understanding the distinct differences between the two types of advisers can help you choose the right professional to manage your investments and support your financial goals. 
 In this episode of GDS Unplugged, Glen and Robert dive deep into the distinctions of fee-only and fee-based advisers, what the major differences are, issues and red flags to look out for, and how to determine what is best for you. 
 Whether you’re a financial expert or just starting your investment journey, you’ll find valuable insights that can help you make sense of your present and plan for your future. 
 
Resources: 
Ready to take your learning to the next step? 
Connect with Glen Smith and Robert Casey on LinkedIn.   
Learn more from GDS about Fee Only vs. Fee Based Advisers.  
Subscribe to our YouTube channel.   
Contact GDS Wealth Management for a complimentary financial consultation.   
Submit your questions to Glen and Robert’s GDS Unplugged mailbag by emailing gds@gdswealth.com.   
 
Why Listen? 
This episode is packed with valuable information and practical advice for anyone considering the differences between fee-only and fee-based financial advisers. Tune in to gain a deeper understanding of these two types of advisers and how they can impact your financial future. Don't miss out on this opportunity to enhance your knowledge and take control of your financial planning. 
 
Disclosure:
GDS Wealth Management (“GDS”) is an SEC registered investment adviser. Registration as an investment adviser does not imply a certain level of skill or training. The information presented in this podcast is intended for general informational purposes only and does not constitute investment, legal, or tax advice, or as a recommendation to buy or sell any financial product. Any references to specific investment strategies, financial products, or institutions are not intended as an endorsement or recommendation. The views and opinions reflect the authors as of the publication date and are subject to change without notice. Past performance of any investment strategy is not indicative of future results. All investments involve risk, including the potential loss of principal. This podcast does not guarantee any specific financial outcome or result from the implementation of any strategies discussed. For more information about GDS Wealth Management, including a description of services, fees, and important disclosures, please visit https://www.gdswealth.com.