Retirement Radio: Recent Episodes
Brian and Clayton, Hosts of Retirement Radio
Safer Retirement Radio is where you can get the transparency you deserve. Whether you are currently retired or plan to retire soon, this show is full of retirement tips that can help you get thousands of extra dollars in and out of your retirement.
Brian Decker and Marc Knauss, CFP®, open the second half of 2026 with a look at what a strong market means for people at or near retirement. They cover the difference between accumulation planning and distribution planning, why trailing price-to-earnings valuations matter historically, and how momentum and dividend strategies have behaved in past flat market cycles.The conversation moves through interest rate risk and why Decker Retirement Planning does not use bond funds in client portfolios, then walks through how short-term, medium-term, and long-term dollars can be structured differently based on when the money is needed.The second half turns to taxes: 401(k) and catch-up contributions, health savings accounts, 529 plans funded by grandparents, estate tax exposure in states like Washington, and depreciation on rental real estate. The episode closes with the math behind drawing retirement income from fluctuating accounts, including a look at the history of the 4% rule.Learn more at DeckerRetirementPlanning.com or call 833-707-3030.Investment advisory and insurance services offered through Decker Retirement Planning, Inc., a registered investment adviser. Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying ability of the issuing carrier. This episode is for informational purposes only and does not constitute tax, legal, or individualized investment advice.
It's the halfway point of 2026. Do you know if your retirement plan is on track?In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray of Decker Retirement Planning walk through their mid-year review process: what to check, what to question, and where the common blind spots are.What this episode covers:• The mid-year checklist: portfolio allocation, spending versus budget, and whether your 401(k), IRA, Roth, and HSA contributions are still on pace• Why set-percentage withdrawal rules like the 4% approach can fall short in a flat market cycle, and how Decker structures income across emergency cash, principal-protected accounts, and a separate risk bucket• Brian's case against traditional quarterly rebalancing, and how relative strength, sector rotation, and momentum strategies shape what Decker clients own right now• What history shows about market valuations above 30 times trailing earnings, and the two ways portfolios have historically generated returns in flat market cycles• The disconnect between record stock prices and a squeezed economy: layoffs, flat unemployment, and why half the country feels it differently than the other half• The mindset shift from saving to spending, including how retirees can think about emergency cash and permission to actually use the money they spent decades buildingIf you're within a few years of retirement, or already there, this episode lays out the questions worth asking before the second half of the year.Schedule a no-cost conversation: 833-707-3030Free resources, including Brian's book The Decker Approach and a sample income plan, are available at DeckerRetirementPlanning.com under Safer Retirement Education.Serving families in Salt Lake City, Seattle/Bellevue, and the Bay Area, and virtually nationwide.Investment advisory and insurance services offered through Decker Retirement Planning, Inc., a registered investment advisor. Investing involves risk, including the potential loss of principal. Any references to protection or safety generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying ability of the issuing carrier. This show is for informational purposes only and is not tax or legal advice. This radio show is a paid placement.
so every dollar in your portfolio has a job• Annuities, demystified: why Decker steers clear of income and variable annuities, and where fixed indexed annuities (FIAs) and MIGAs actually fit• Social Security timing: spousal benefits, the 8% delayed-retirement credit, and how to coordinate two spouses for the most lifetime income• Pension decisions: lump sum vs. income stream, the real break-even math, and counterparty risk• Tax-smart withdrawals: Roth conversions, account placement, and keeping more of your money out of Uncle Sam's handsIf you're within 5–10 years of retirement and you want a clear, structured plan that balances safety and growth, this episode is for you.Schedule a no-cost retirement review: 833-707-3030Free resources, including The Decker Approach book and a sample income plan: DeckerRetirementPlanning.comServing families in Salt Lake City, Seattle/Bellevue, the Bay Area, and virtually nationwide.Investing involves risk, including the potential loss of principal. Decker Retirement Planning, Inc. is a registered investment advisor. This show is for informational purposes only and is not tax or legal advice.
language causes family problemsHealthcare directives: comfort measures, and how to spare your kids the guilt of pulling the plugTrusts: the four liquidation clauses that keep siblings on speaking terms — and why 80%+ of trusts are never properly fundedSchedule a no-cost retirement review with Brian and the team: call 833-707-3030 or visit DeckerRetirementPlanning.com. Offices in Salt Lake City, Lehi, Seattle/Bellevue, and the Bay Area — virtual reviews available nationwide.
option you think they are in a rising rate environmentHow fee structures differ—and why you may be paying more than you need toBrian and Arrin also explain why the strategies that got you to retirement are not the same ones that will carry you through it, and how to build a mathematically-based plan designed to provide consistent income for life.If you'd like to talk with the Decker Retirement Planning team about your own situation, call 833-707-3030 or visit DeckerRetirementPlanning.com.
Most people file their taxes and move on. But if that's all you're doing, you're leaving serious money on the table — and walking into retirement blind.In this episode of Safer Retirement Radio, Brad Geddes, CFP(R) of Decker Retirement Planning breaks down why your tax return is one of the most powerful forward-looking planning tools you have — and how to actually use it.Here's what we cover:The difference between effective tax rate and marginal tax rate — and why most people don't know their real number (hint: if you can't answer it quickly, you're flying blind in retirement).The IRA tax time bomb — why deferring, deferring, deferring into your 70s could force you into a higher tax bracket right when you can least afford it.Roth conversion strategy — who should be doing them, when to start, and why waiting too long is one of the most common (and costly) mistakes we see.Social Security taxation — yes, up to 85% of your benefit can be taxed. The thresholds haven't changed since 1983 and 1993. We'll show you how to plan around them.IRMAA surcharges — the Medicare premium trap that blindsides retirees who had a high-income year two years prior.Tax planning vs. tax preparation — your CPA is a tax historian. What you need going into retirement is a tax strategist.The bottom line: retirement is the first time in your life you actually get to decide what tax bracket you live in. The question is — are you taking advantage of it?If your tax return didn't lead to a conversation about the taxes you'll pay in the future, you're doing it wrong.Call 833-707-3030 for a no-cost, no-obligation conversation with the Decker Retirement Planning team.Download Brian's book, The Decker Approach, and other free retirement resources at DeckerRetirementPlanning.com under Safer Retirement Education.Investment advisory and insurance services offered through Decker Retirement Planning Inc., a registered investment advisor. Investing involves risk, including the potential loss of principal.
Most people spend decades planning for retirement income — but healthcare? That's the expense that can quietly derail even the best-laid plan.In this episode of Safer Retirement Radio, Brad Geddes, CFP® breaks down the three healthcare phases every retiree faces:Phase 1 — The Gap Years (Before Medicare)If you want to retire before 65, healthcare costs don't have to stop you. Brad explains why he's never had a client delay retirement solely because of pre-Medicare insurance costs — and how a straightforward budgeting exercise can make early retirement more attainable than you think.Phase 2 — Medicare Reality CheckMedicare helps, but it doesn't cover everything. Dental. Vision. Hearing aids. Supplemental premiums. Fidelity estimates the average healthy 65-year-old couple will spend over $315,000 out-of-pocket on healthcare in retirement — and that number doesn't include long-term care. Ten years ago it was $225,000. Do the math on where it's headed.Phase 3 — Long-Term CareThis is the planning conversation most people avoid — and can least afford to. Brad explains the self-insuring strategy, asset-backed long-term care policies, and why the real purpose of long-term care coverage is often protecting the surviving spouse, not just paying the bills.You've worked too hard to have an unexpected healthcare expense blow up your retirement. The answer isn't fear — it's a plan.📞 Ready to build yours? Call us at 833-707-3030 or visit DeckerRetirementPlanning.comDownload Brian's book The Decker Approach and 11 other free retirement resources at DeckerRetirementPlanning.com under Safer Retirement Education.
If you’re nearing retirement, the biggest question is simple: Where will your paycheck come from—and how long will it last?In this episode of Safer Retirement Radio, Bradley Geddes, CFP(R) breaks down practical retirement income tools—and why many retirees don’t realize the weaknesses of the “pie chart” approach until a market downturn hits.You’ll learn:How an income plan differs from a 401(k) or IRA (tools vs. a plan)The difference between bond ladders/CD ladders and bond fundsWhy interest rates and bond values move in opposite directions—and why that matters for retirement incomeHow using multiple income sources can help reduce market volatility riskWhy Decker Retirement Planning's approach focuses on time horizons and avoiding “drawing from a fluctuating account”Want more retirement education resources? Visit DeckerRetirementPlanning.com and look for A Safer Retirement Education.To schedule a complimentary visit with the team: 833-707-3030Investment advisory and insurance services offered through Decker Retirement Planning, Inc., a registered investment advisor. Investing involves risk, including the potential loss of principal. This content is for informational purposes only and is not individualized investment, tax, or legal advice.
download resources: DeckerRetirementPlanning.com (Safer Retirement Education)Schedule a visit: 833-707-3030This podcast is for informational purposes only and is not intended as tax or legal advice. Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying ability of the issuing carrier.
How do you really know if you’re ready to retire—before you turn in your notice?In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray break down the six key checkpoints they use to help families move from guesswork to clarity, including the two questions that matter most:How much can you safely draw each month?How do you protect that income when markets change?You’ll learn how Decker Retirement Planning approaches retirement with a math-based distribution plan that coordinates income sources (Social Security, pensions, rental income, and portfolio withdrawals), prioritizes tax efficiency, and helps reduce the risks that can derail retirement—especially in volatile markets.In this episode, we cover:The 6 key points of a retirement plan: plan, tax minimization, risk reduction, portfolio optimization, income optimization, and fee minimizationWhy a pie-chart portfolio isn’t a retirement plan (and what a real distribution plan should show)Income needs assessment: how to calculate your retirement “gap” and plan withdrawals over timePlanning for healthcare before and after Medicare, plus long-term care considerationsWhat a retirement stress test is, and why it helps “future-proof” your planA fast rundown of advanced tax strategies discussed on the show (e.g., donor-advised funds, CRTs, NUA, ILITs, dynasty trusts, cost segregation, GRATs), and when they may applyIf you’re within 5–10 years of retirement (or already retired), this episode will help you pressure-test your assumptions and understand what it takes to retire with more confidence and fewer surprises.Learn more: DeckerRetirementPlanning.comSchedule a visit / ask a question: 833-707-3030
Markets have delivered strong returns, but retirement planning is about more than a good run in stocks. In this episode of Safer Retirement Radio, Brad Geddes, CFP® joins Brian Decker to break down what today’s retirees and near-retirees need to watch next—especially when you’re transitioning from saving to spending.You’ll hear a practical discussion on:Why strong markets can quietly encourage retirees to take more risk than they realizeThe “sequence of returns” problem: why a downturn early in retirement can do outsized damageLongevity and rising healthcare costs—and how to plan when you don’t know what life will bringInflation’s long-term impact, including why sitting in too much cash can be costly over timeThe mindset shift from accumulation to distribution, and why income planning becomes the priorityHow to think about “pulling risk back” without “getting out of the market”Why flexibility and planning often matter more than predictionsIf you’re within 5–7 years of retirement, recently retired, or wondering whether your current portfolio is built for income and resilience—this episode will help you think more clearly about the next phase.To learn more or schedule a visit with our team: 833-707-3030 or visit DeckerRetirementPlanning.com.
The new year is the right time to take a clear look at how taxes, required withdrawals, and income decisions can quietly shape the rest of your retirement.In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray walk through the most common tax and planning issues retirees and near-retirees face—and why understanding them early can help you avoid unnecessary taxes, missed opportunities, and future stress.In this conversation, you’ll hear about:How required withdrawals work later in retirement—and why misunderstanding them can create avoidable tax pressureWhy the timing of tax decisions matters more than most people realizeHow portfolio changes can unintentionally trigger taxes if handled without a planWays charitable giving fits into an overall income and tax strategyThe difference between decisions that must be made during the year and those that can be adjusted laterWhat information your CPA and planning team actually need to help you make better decisionsIf you’re within 5–10 years of retirement, or already retired, this episode provides clarity on how taxes, income, and planning decisions work together—and where many retirees unknowingly go wrong.Learn more: DeckerRetirementPlanning.comSchedule a conversation: 833-707-3030This content is for informational purposes only and is not tax or legal advice. Investing involves risk, including the potential loss of principal.
Year-end is one of the few windows where decisions—or inaction—can materially affect how much of your money you actually keep in retirement. In this episode, Brian Decker and Marc Knauss, CFP(R) discuss the real-world tax and estate challenges retirees and near-retirees face as the calendar closes—and why waiting can quietly cost you.In this conversation, you’ll hear about:How reallocating risk late in life can trigger unexpected tax bills if handled incorrectlyWhat happens when highly appreciated stocks or real estate are sold without a planWays retirees get caught off guard by one-time income spikes that push them into higher tax bracketsWhy some company retirement plans can create avoidable tax exposure when large positions are involvedHow timing decisions today can dramatically affect lifetime taxes and what passes to heirsCommon estate planning oversights that lead to family tension, delays, or unnecessary costsWhy many people think they have a plan—until a tax event or health issue proves otherwiseIf you’re within 5–10 years of retirement, or already retired, this episode will help you think differently about taxes, income, and legacy—before year-end decisions are locked in.Learn more at DeckerRetirementPlanning.com or call 833-707-3030.This content is for informational purposes only and is not individualized investment, tax, or legal advice. Investing involves risk, including loss of principal. Consult a qualified professional regarding your specific situation.
Most retirees don’t realize that the strategies that served them well for 30–40 years of saving can work against them the moment they stop working. In this episode, Brian Decker and Arrin Wray break down why accumulation and distribution require two completely different approaches—and why misunderstanding that distinction can jeopardize your retirement.Brian explains:Why market losses in retirement are far more damaging than losses during your working yearsHow drawing income from fluctuating accounts accelerates losses and compromises long-term resultsWhy bond funds haven’t acted as “safe money” in today’s rate environment—and the interest-rate risk most retirees overlookWhat makes the 4% rule unreliable in flat or volatile market cyclesHow momentum strategies and dividend sleeves fit into a modern risk-reduction planWhy your asset mix should flip at retirement—with only 25–35% of assets exposed to market riskHow a laddered, principal-guaranteed income plan provides stability, clarity, and true distribution disciplineYou’ll also hear how Decker Retirement Planning builds math-based distribution plans, updates them annually, and helps retirees maximize net-of-tax income while minimizing exposure to unnecessary risk and fees.If you’re within 5–10 years of retirement—or already retired—this episode will give you a clearer picture of what a real retirement plan should look like.Have questions about your retirement readiness?Schedule a visit at DeckerRetirementPlanning.com or call 833-707-3030.
In this episode of Safer Retirement Radio, Brian Decker and Brad Geddes, CFP(R) discuss one of the most important questions in retirement planning: “How much income can I safely draw?”Rather than relying on rules of thumb or broad simulations, they explain how a math-based, distribution-first plan helps determine how much income a retiree may be able to take—year by year—while reducing the risk of running out too soon.Brian and Brad walk through:Why many retirees under-spend out of uncertaintyThe potential risks of drawing income from fluctuating accounts, especially during down marketsHow laddered principal-guaranteed accounts can help provide stability in income planningWhy the traditional 4% rule may fall short during flat or volatile market cyclesHow pensions, Social Security timing, and rental income can be analyzed mathematicallyHow inflation considerations (COLAs, real estate, conservative return assumptions, and the risk bucket) may be incorporated into a retirement income planWhat retirees can do when markets drop, and how planning in advance helps reduce the impactThis episode is designed to help pre-retirees and retirees understand the key inputs of a durable income plan—and how math-based distribution strategies may provide greater clarity and confidence.📞 To request your personalized income analysis, call 833-707-3030 or visitDeckerRetirementPlanning.com
In Episode 140 of Safer Retirement Radio, Brian Decker and Arrin Wray reveal the critical distinction between accumulation and distribution strategies—and why using the same approach in both phases of life can be financially devastating in retirement.They unpack:Why traditional pie chart portfolios are not retirement plansThe danger of using the 4% rule without accounting for sequence of returns riskHow a distribution-first strategy helps ensure reliable income—even in volatile or flat marketsWhy Decker Retirement Planning uses laddered principal-guaranteed accounts instead of bond fundsHow momentum and dividend strategies provide growth potential in flat or declining marketsReal tax strategies to reduce future liabilities, enhance Roth conversion efficiency, and preserve more of your wealthYou’ll also learn how Decker’s math-based planning integrates real returns, tax minimization, and fee transparency to help you retire with clarity—not guesswork.📞 Have questions about your own retirement income plan? Call 833-707-3030 or visit👉 DeckerRetirementPlanning.com
In this episode of Safer Retirement Radio, Brian Decker and Mark Knauss, CFP(R) walk through five essential strategies to help protect your retirement income from inflation—without exposing your portfolio to unnecessary risk. From laddered income accounts to hard assets and tactical stock exposure, they outline a disciplined approach built for today’s uncertain environment.You’ll also learn:Why COLAs (Cost of Living Adjustments) must be handled carefully in retirement income planningHow traditional bond funds are vulnerable in a rising rate worldWhat “real returns” mean—and why they matter more than nominal performanceHow Decker’s Two-Sided Model uses momentum and stop-loss rules to reduce risk in volatile or flat marketsIf inflation and future market returns are keeping you up at night, this episode gives you the education—and the options—you need.📞 Ready to build a retirement plan that actually adjusts for inflation? Call 833-707-3030 or visit DeckerRetirementPlanning.com
What really happens when one spouse passes away? In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray break down one of retirement’s most difficult—but essential—topics: preparing financially and legally for the loss of a spouse.You’ll learn:- The must-have estate documents (wills, trusts, powers of attorney, and healthcare directives)- The “pour-over” provision that helps families avoid probate nightmares- How Social Security, pensions, and taxes change for a surviving spouse- Why compensation clauses and unclear distribution instructions can tear families apart- Steps to protect income, minimize taxes, and create a smooth transitionPlanning ahead means your spouse and children are cared for—and your legacy is preserved without unnecessary stress or conflict.👉 Listen now and discover how math-based planning can give you and your loved ones peace of mind. Learn more at https://deckerretirementplanning.com/We are financial advisors, not attorneys. Always speak to a qualified attorney for legal advice.
As the Fed flirts with rate cuts, many retirees face shrinking savings and money-market yields. In this episode, Brian Decker and Brad Geddes, CFP(R) break down DRP’s Cash Plus portfolio—built for 0–5 year dollars that need liquidity and low volatility, yet can aim higher than plain cash. They also cover how AI is changing principal-guaranteed indexes and the timing inside momentum models, plus a simple checklist for a rock-solid retirement plan.What you’ll learnWhy falling rates can punish “safe” cash—and what to do about itHow a diversified cash sleeve (short-term Treasuries, market-neutral, dividend equities) targets steadier yield with 100% liquidity“Upside/Downside capture”: keeping more of the good, less of the badWhere AI already fits: principal-guaranteed index designs and trade-timing in momentum strategiesSix keys to a resilient retirement plan (taxes, risk control, income optimization, fees, and more)Call us: 833-707-3030More resources: DeckerRetirementPlanning.com → Safer Retirement Education (free downloads)
In this week’s episode of Safer Retirement Radio, Brian Decker and Bradley Geddes, CFP(R) break down one of the most overlooked threats to retirement success—sequence of returns risk. What happens if you retire right before a market downturn? What if your portfolio strategy doesn’t account for market flatness or volatility?You’ll learn:Why traditional 60/40 portfolios fall short in today’s environmentHow drawing from laddered principal-guaranteed accounts can help stabilize incomeWhat Monte Carlo simulations get wrong—and how to avoid becoming a statisticStrategic updates from the new One Big Beautiful Bill (OBBB), including major tax credits for retireesDon't let bad timing derail decades of hard work. Tune in to hear how a math-based distribution plan can help you retire with confidence—regardless of what the market does next.🎧 Listen now and take control of your retirement strategy.
Join Brian J. Decker and Marc Knauss, CFP(R) on this week’s episode of Safer Retirement Radio as they uncover why your traditional IRA might be a tax “loan” to the IRS—and how smart Roth conversion planning can turn the tables in your favor. From real-world illustrations of IRA tax bills topping $1.4 million to step-by-step guidance on:IRA Inefficiency: How deferral becomes a hefty tax liability for you —and your heirsRoth Conversions: Why paying taxes now can yield tax-free growth and a far larger legacyMedicare IRMAA: How distributions affect your Medicare premiums (and how to avoid spikes)Advanced Strategies: QDRO “happy divorces,” donor-advised funds, dynasty trusts, cost-segregation for real estate, and moreWhether you’re retired or close to retirement, the right tax plan can boost your retirement income, protect against future rate hikes, and maximize what you pass on. Tune in and discover:Real numbers: $1 million IRA → $1.4 million paid to the IRS vs. $319 000 with a Roth planWhen and how to convert for maximum impactEstate-planning moves to shelter assets from both income and estate taxes🔗 Resources & Links:• Download “The Decker Approach to Retirement Planning”: https://deckerretirementplanning.com/• Safer Retirement Education: https://deckerretirementplanning.com/education• Schedule a no-cost tax analysis: 833-707-3030
Join Brian Decker and Arrin Wray as they unpack the three “compounding risks” that can threaten your nest egg—and show you how to turn them into advantages:Why delaying taxes in a traditional IRA could cost you (and your heirs) over $1 million, and how proactive Roth conversions lock in today’s rates.Five proven inflation hedges—from planned cost-of-living adjustments to strategic home-equity moves—to keep your spending power intact.The hidden danger of sequence-of-return risk and why distribution strategies with laddered, principal-protected accounts are your best defense.Download free checklists, a sample income plan, and “The Decker Approach” book at DeckerRetirementPlanning.com → Safer Retirement Education.Schedule your no-cost retirement review today: 833-707-3030.
In Episode 133 of Safer Retirement Radio, Brian J. Decker and Marc Knauss, CFP(R) explore a suite of advanced estate planning strategies designed to help you protect, preserve, and pass on your wealth efficiently:State & Federal Estate Tax Planning: Using AB trusts, portability, and lifetime gifting exemptions to minimize state and federal estate taxes.Irrevocable Life Insurance Trusts (ILITs): Prepay potential tax liabilities and avoid fire-sale scenarios by holding life insurance outside your taxable estate.Qualified Personal Residence Trusts (QPRTs): Shift your home’s value outside your estate over time while retaining the right to live there.Grantor Retained Annuity Trusts (GRATs): Freeze today’s value on highly appreciated assets and transfer future growth to the next generation.Dynasty Trusts & Generation-Skipping Transfer: Sidestep the 48% generation-skipping tax and incent responsible behavior across multiple generations.QDROs & Intra-Family Loans: Leverage qualified domestic relations orders and structured loans for tax-efficient wealth transfers.Up-Gifting Techniques: Use step-up in basis by gifting appreciated assets “up” the generational line.Roth IRA Conversions: Compare tax-deferred vs. tax-free growth scenarios and unlock one of the most powerful strategies to reduce lifetime taxes.📥 Download Free Safer Retirement Education Tools (checklists, the Decker Approach book, Social Security guides, and more):https://deckerretirementplanning.com📞 Schedule a No-Cost Review with Brian and the team at Decker Retirement Planning:833-707-3030Disclosure: Investment advisory and insurance services offered through Decker Retirement Planning, Inc., a registered investment advisor. Investing involves risk, including the potential loss of principal. Always consult a qualified tax advisor before implementing estate planning or tax strategies.
Is the 4% rule still safe in a flat or volatile market? In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray explain why traditional income strategies—like the 4% rule or “living off the interest”—may no longer work in today’s retirement landscape.You’ll learn:✅ How to build a laddered income plan using principal-guaranteed accounts✅ The critical mistakes retirees make when taking Social Security✅ Why Roth conversions may save hundreds of thousands in taxes✅ How Decker Retirement Planning helps reduce fees and improve income consistency✅ What smart legacy planning looks like with donor-advised funds and dynasty trustsIf you're preparing for retirement—or already retired—this episode is packed with insights to help you navigate income, taxes, and risk with greater confidence.📞 Schedule a free strategy session at 833-707-3030 or visit DeckerRetirementPlanning.com
In this episode of Safer Retirement Radio, Brian Decker and Marc Knauss, CFP(R) break down the myths and mistakes of traditional retirement strategies—and show you what to do instead.You’ll learn:Why the 4% rule often fails in flat or volatile marketsHow sequence of return risk can derail your incomeThe three key ways Decker Retirement Planning reduces riskHow momentum strategies protect your investments during downturnsWhy Roth conversions and smart tax placement can save you six figures in retirement taxesWhether you’re already retired or planning to retire in the next 5–10 years, this episode gives you actionable insights to protect your nest egg and retire with confidence.👉 Learn more or schedule your free visit: https://deckerretirementplanning.com📞 Call today: 833-707-3030
Think you'll be in a lower tax bracket when you retire? Think again. In this episode of Safer Retirement Radio, Brian Decker and Brad Geddes, CFP(R) dismantle the myth and walk you through real-life tax planning strategies that can help you save hundreds of thousands—or even millions—in retirement taxes. From strategic Roth conversions to dynasty trusts, donor-advised funds, real estate tax planning, and more, this is a masterclass in building a smarter, safer financial future.🎯 Learn how proactive planning today can help protect your income tomorrow and preserve more wealth for your heirs.
In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray challenge one of the most commonly used retirement strategies: the 4% rule. They explain how flat or volatile markets can quickly derail portfolios relying on this outdated approach and introduce laddered principal-guaranteed accounts as a safer, more reliable alternative. The duo also unpacks the risks of dividend chasing and indexing in today’s market environment and highlights the need for a mathematically sound, risk-conscious income plan.If you’re nearing retirement or recently retired, this episode is a must-listen to help protect your nest egg and find how to plan on consistent income, regardless of market swings.🔗 Learn more at https://deckerretirementplanning.com/📞 Call 833-707-3030 for your complimentary retirement assessment.
In this episode of Safer Retirement Radio, Brian Decker breaks down how retirees can confidently navigate turbulent markets without sacrificing their retirement goals. Learn the essential strategies that protect your principal, generate reliable income, and minimize taxes—regardless of economic conditions.Brian also dives into real-world examples showing how proper planning can reduce unnecessary fees and risk, all while preserving liquidity and flexibility. If you're within 5–10 years of retirement or recently retired, this episode is a must-listen.
In this powerful episode of Safer Retirement Radio, Brian Decker and Arrin Wray uncover advanced tax strategies designed to help retirees keep more of what they’ve earned. From Roth conversions that could save you over $1 million in taxes, to estate planning tools that preserve your legacy, this episode is packed with real examples and actionable advice.You'll learn:✔️ How Roth conversions can reduce future tax liabilities✔️ The power of Qualified Charitable Distributions (QCDs)✔️ Ways to mitigate estate taxes with Irrevocable Life Insurance Trusts (ILITs)✔️ How to freeze business value to pass future growth tax-free✔️ The role of AB Trusts in estate planning✔️ Accelerated depreciation for rental income savings✔️ Tools to avoid capital gains on high-value assets📞 Ready to see how these strategies apply to your plan? Call Decker Retirement Planning for a free consultation at (833) 707-3030 or visit https://deckerretirementplanning.com/
🎙️ In This Episode:Market volatility is a reality—so how do you protect your retirement savings while still growing your wealth? In Episode 126 of Safer Retirement Radio, Brian Decker and Marc Knauss break down the latest market trends and reveal strategies to help retirees reduce risk while ensuring a stable income.📉 Key Topics Discussed:✅ The impact of the S&P 500 crossing its 200-day moving average✅ The concentration risk of the "Magnificent Seven" tech stocks✅ Why traditional buy-and-hold strategies may not work in retirement✅ How principal-guaranteed accounts and sector rotation strategies can enhance your portfolio✅ Interest rate risks and how to manage them effectively🔍 Whether you're recently retired or within 5-10 years of retirement, this episode will provide actionable insights to help you secure your financial future.💡 Want More?Download Brian Decker’s book The Decker Approach, explore the Three Principles of Retirement, and access free retirement planning resources at https://deckerretirementplanning.com/ 📞 Get Personalized Retirement GuidanceCall 833-707-3030 for a complimentary consultation with one of our expert advisors.🔊 Listen now and take control of your retirement future!
In this episode of Safer Retirement Radio, host Brian Decker and co-host Arrin Wray break down the financial and geopolitical risks that could impact your retirement. From market volatility and inflation to global conflicts and economic uncertainty, we discuss the key challenges retirees face today—and how you can navigate them with confidence.💡 What you’ll learn in this episode:✅ Why traditional stock-and-bond portfolios no longer provide stability in retirement✅ The dangers of relying on interest rate-sensitive investments✅ How a structured distribution plan can create consistent, reliable income✅ Strategies to reduce risk, optimize income, and minimize taxes🔊 Listen now to take control of your financial future!
In this episode of Safer Retirement Radio, Brian Decker of Decker Retirement Planning explores six key pillars essential for a secure and fulfilling retirement. This episode covers:✅ How to structure a retirement distribution plan for stable income✅ Tax minimization strategies to keep more of your wealth✅ Risk-reduction techniques to protect your investments in any market✅ Optimizing income and portfolio performance✅ The role of principal-guaranteed accounts and momentum strategies✅ Estate planning essentials to secure your legacyGain valuable insights to build a retirement strategy that helps ensure financial security and peace of mind.🎧 Tune in now!
Is the government taking away your Social Security benefits? 🤔In this episode of Safer Retirement Radio, Brian Decker and Mark Knauss break down the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO)—two rules that reduce Social Security benefits for teachers, government employees, and those with mixed earnings.🚨 The Social Security Fairness Act could change the rules, but what does that mean for your retirement? Tune in to learn how these policies affect your income and what you can do to protect yourself!
🎙️ In this episode of Safer Retirement Radio, Brian Decker dives into the impact of Trump's tariffs on retirement portfolios. Discover how these tariffs serve as negotiating tools and explore their effects on trade with China, Canada, Mexico, and the EU.📊 Brian explains his comprehensive three-part approach to retirement planning: cash, safe money, and risk allocations. Learn about effective distribution plans to secure sustainable income and tax strategies like Roth conversions to minimize future tax liabilities.📈 Brian also discusses the benefits of equity-indexed accounts and AI-enhanced allocations for principal-guaranteed investments. Don’t miss out on insights designed to navigate market uncertainties and optimize your retirement portfolio.🔍 Tune in for expert guidance on:Analyzing the impact of tariffs across different market conditionsGenerating income and growth with laddered principal-guaranteed and equity-indexed accountsImplementing tax planning strategies to reduce liabilities📅 Gain the knowledge to ensure your retirement is secure and well-planned.Visit https://deckerretirementplanning.com/ to learn more. The information provided is for educational purposes only. Always validate/verify the information with your legal or compliance representation.
Gain valuable insights into retirement planning with Brian Decker as he reflects on 2024 market trends and shares strategies to navigate the financial landscape of 2025. Discover how Fed rate cuts impact markets, bond fund risks in a low-interest-rate environment, and why small caps and banks stand to benefit.Learn actionable tips on tax minimization, Roth IRA conversions, and portfolio updates to optimize your retirement plan. Brian also addresses geopolitical risks, supply chain challenges, and the importance of a diversified, risk-managed portfolio.Take charge of your financial future with advice tailored to help you maximize after-tax income and find peace of mind. Schedule your complimentary consultation with Decker Retirement Planning today!
Discover how to strengthen your retirement portfolio in challenging market conditions. In this episode of Safer Retirement Radio, Brian Decker, the owner and founder of Decker Retirement Planning, breaks down why traditional buy-and-hold approaches often fail during prolonged flat or down markets. He introduces a two-sided strategy that blends momentum investing with principal-guaranteed accounts, helping retirees preserve capital, capture growth, and maintain reliable income streams.You’ll also learn about critical tax planning techniques, from Roth conversions to charitable trusts, designed to minimize future tax burdens. Whether you’re concerned about the S&P 500’s high valuations, exploring tax optimization tools, or seeking ways to ensure long-term stability, this episode provides actionable insights for a more secure, growth-oriented retirement.Key Topics:Navigating flat markets with two-sided retirement strategiesMomentum investing to identify top-performing sectorsPrincipal-guaranteed accounts for steady income and lower riskRoth conversions, charitable trusts, and other advanced tax planning tacticsLong-term portfolio optimization for secure retirement incomeListen now to gain the knowledge and confidence you need to weather any market environment while protecting and growing your retirement savings.
In this insightful episode of Safer Retirement Radio, Brian Decker tackles some of the essential retirement planning steps you need to consider in light of recent election results and upcoming year-end deadlines.Key Topics Covered:Impact of the Election on Retirement Planning: Understand how the new administration's policies could affect tax laws and your retirement savings. Brian discusses historical market performances under different presidencies and emphasizes the importance of adjusting your financial plan accordingly.Investment Strategies Post-Election: Learn why now might be the time to review your investment portfolio. Brian introduces momentum-based investment strategies and advises on balancing your portfolio with principal-guaranteed accounts and growth-focused investments to reduce risk.Year-End Tax Planning:Roth Conversions: Discover how performing Roth conversions before December 31 can take advantage of current tax rates and potentially save you money in the long run.Tax-Loss Harvesting: Find out how to offset capital gains by strategically selling underperforming assets in your non-qualified accounts.Required Minimum Distributions (RMDs): Ensure you're taking your RMDs correctly to avoid penalties and align with your income needs.Charitable Giving: Explore options like donor-advised funds to maximize your charitable contributions and receive tax benefits.Reviewing Insurance and Estate Plans: Brian highlights the importance of reviewing your insurance coverage—including umbrella liability policies—and updating estate documents such as wills, powers of attorney, and trusts to reflect your current wishes.Long-Term Care Considerations: Assess your long-term care insurance needs to protect your assets and provide peace of mind for you and your loved ones.Don't let political changes catch you off guard. Tune in to gain valuable insights and actionable steps to secure your financial future before the year ends.For personalized advice and to schedule a complimentary consultation, visit DeckerRetirementPlanning.com today.
In this enlightening episode of Safer Retirement Radio, owner and founder Brian Decker and Arrin Wray, our Utah-based planner from Decker Retirement Planning, unveil the essentials of crafting a robust retirement distribution plan. Unlike accumulation plans, a distribution plan is your roadmap to a secure and prosperous retirement.Key Takeaways:Risk Reduction: Learn how to adjust your market exposure as retirement approaches to safeguard your nest egg.Tax Minimization: Discover strategies like Roth conversions and charitable trusts to reduce your future tax liabilities.Portfolio Optimization: Find out how to maximize returns with principal-guaranteed accounts and momentum strategies.Fee Minimization: Understand the importance of minimizing fees to maximize your net monthly income.Brian and Arrin also explain into how market conditions and political changes can impact your retirement portfolio. They advocate for a balanced approach that not only protects your assets but also ensures growth.Don't leave your retirement to chance. Tune in to gain valuable insights and take the first step towards a safer, more confident retirement journey.For personalized advice, visit Decker Retirement Planning and schedule your consultation today.
In Episode 117 of Safer Retirement Radio, Brian Decker and new advisor Mark Knauss, CFP(R) dive deep into effective retirement planning strategies. Together, they tackle the critical transition from accumulation to distribution, emphasizing the risks of outdated strategies like traditional asset allocation pie charts and bond funds, especially in today’s rising interest rate environment. Learn why laddered principal-guaranteed accounts and a risk bucket for growth are essential components for a sustainable retirement plan.Brian and Mark also break down key points about variable annuities, non-traded REITs, and high-fee C-share mutual funds—financial products they caution against due to hidden fees and lack of transparency. They discuss the importance of working with a fiduciary advisor who is Series 65 licensed, independent, and a Registered Investment Advisor (RIA), ensuring that you’re working with someone who puts your interests first.Key Takeaways:The importance of distribution-focused strategies over accumulation in retirement.Why laddered principal-guaranteed accounts offer security in retirement income.Avoiding high-fee products like variable annuities and C-share mutual funds.Fiduciary standards and how to find a fiduciary advisor to secure your financial future.👉 To-Do List:Review your retirement plan with a fiduciary standard.Schedule a no-cost consultation with Decker Retirement Planning at 833-707-3030 to discuss a customized distribution plan.Stay informed on safe retirement planning—listen, subscribe, and let us know your questions in the comments below!
In Episode 116 of Safer Retirement Radio, Brian Decker dives into effective retirement planning strategies to navigate market volatility, rising interest rates, and election uncertainty. He highlight the risks associated with bond funds, which have seen a 35% decline in value over the past four years, and introduce laddered portfolios and principal-guaranteed accounts as safer alternatives. Learn why balancing 75% of assets in guaranteed accounts with 25% in growth-focused assets can provide stability and growth, even in uncertain times.Brian also discusses the benefits of a comprehensive distribution plan to help ensure steady retirement income and reduce the risk of outliving your savings. Plus, hear about the latest updates in Brian's book, The Decker Approach, including insights that could impact your retirement.Key Takeaways:Why bond funds may not be safe in today’s market and how to structure a safer portfolio.How laddered portfolios and principal-guaranteed accounts can reduce risk.Understanding the impact of election uncertainty on retirement planning.The power of a distribution plan to ensure income throughout retirement.👉 To-Do List:Review your portfolio for bond fund exposure and explore safer alternatives.Download the revised Decker Approach book for essential retirement updates.Schedule a no-cost consultation with Decker Retirement Planning at 833-707-3030 to discuss a customized retirement strategy.Listen now to get actionable insights for a safer, more stable retirement!
In Episode 115 of Safer Retirement Radio, hosts Brian Decker and Brad Geddes, CFP(R) explore the do's and don’ts of retirement planning. They discuss the limitations of traditional strategies like the 60/40 portfolio, the impact of market volatility on retirement income, and the importance of adapting investment strategies as you near retirement. The episode also looks at Roth conversions, tax planning, and managing risk through diversified portfolios.📌 Key Topics Covered:-Adjusting investment strategies for retirement-Benefits of Roth conversions and tax-efficient planning-Diversified portfolios for managing risk-Insurance considerations, including long-term care options💡 Whether you're planning your retirement or already retired, this episode offers insights to help protect and grow your retirement savings.If you want to schedule a complimentary consultation with the Decker Retirement Planning team, call 833.707.3030 or visit our website. The team at Decker Retirement Planning can assess your risk tolerance and help adjust your investment strategy accordingly. Explore Roth conversion and other tax minimization opportunities to help minimize taxes.For more information, visit Decker Retirement Planning at https://deckerretirementplanning.com
In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray of Decker Retirement Planning explore the critical differences between retirement planning during the accumulation phase versus the distribution phase. They explore strategies to navigate market volatility, maximize tax-advantaged accounts, and create an income distribution plan to help ensure a secure and fulfilling retirement. From managing sequence of return risk to optimizing Roth conversions, this episode is packed with actionable insights to help listeners take control of their financial future. Whether you're nearing retirement or just starting to save, this episode is a must-listen for anyone seeking a safer, more prosperous retirement.
In Episode 113, Brian Decker, Owner and Founder of Decker Retirement Planning, and Arrin Wray, one of our planners, explore the critical importance of financial safety in retirement. They discuss how their strategies, including principal guaranteed accounts and momentum-based models, have protected clients' income during major market downturns like the 2000 tech bubble and the 2008 financial crisis. Learn why traditional retirement strategies may fall short and how to secure your financial future against market volatility.Reach out to Decker Retirement Planning today for a no-cost consultation and explore how to secure your retirement.#RetirementPlanning #MarketCycles #FinancialSafety #BrianDecker #InvestmentStrategies
In Episode 112, Brian Decker and Brad Geddes, CFP(R) reveal retirement strategies that are not only built to grow with the market but also protect your investments during downturns. Discover how to move beyond basic market timing with strategies like momentum investing that adapt to changing market conditions, helping ensure your retirement plan is resilient and secure. Learn the importance of a robust distribution plan, risk management, and tax strategies. Listen now to get help safeguarding your financial future, no matter what the market brings.
Welcome to Episode 111 of Safer Retirement Radio! Join Brian Decker and guest planner Brad Geddes from Decker Retirement Planning as they delve into effective strategies for a successful retirement transition. In this episode, we cover:Retirement Transition and Investment Strategies: Why strategies that worked during the accumulation phase may not be effective in the distribution phase.Income Planning: The importance of income planning over relying on bond funds, and how principal-protected investments can secure your retirement.Rethinking Retirement Rules: A critical look at the 4% rule and the rule of 100, with insights on more flexible and individualized approaches.De-Risking Retirement Portfolios: How to use laddered principal guaranteed maturities and risk buckets to reduce risk and enhance income stability.Comprehensive Retirement Planning: The benefits of a holistic plan that includes tax planning, risk management, and income optimization to ensure a comfortable lifestyle.Maximizing Income: Tips on avoiding underspending and making the most of your income streams, including social security, pensions, rental income, and more.Roth Conversions and Tax Efficiency: How Roth conversions can provide tax-free growth and lower future tax rates.Take action:Schedule a free consultation with Decker Retirement Planning at 833-707-3030.Visit https://deckerretirementplanning.com/ for more information on upcoming events, downloads, and our team.Listen now to learn how you can secure a financially stress-free and engaging retirement with expert advice and personalized planning from Decker Retirement Planning.
Welcome to Episode 110 of Safer Retirement Radio! Join Brian Decker and guest planner Arrin Wray from Decker Retirement Planning as they share three essential strategies to help you maximize your retirement.In this episode, we cover:Use an Income Plan, Not a Pie Chart: Understand why a pie chart investment strategy may not work for retirement and the importance of having a structured income plan.Draw Income from Principal Protected Sources: Learn the benefits of a laddered principal guaranteed account strategy for steady and reliable income during market downturns.Diversify According to the Purpose of the Investment: Find the right balance between liquidity, growth, and protection by properly allocating funds based on your retirement goals.Take action:Schedule a free consultation with Decker Retirement Planning at 833-707-3030.Visit https://deckerretirementplanning.com for more information on upcoming events, downloads, and our team.Tune in to learn how you can work towards a safer and more enjoyable retirement with expert advice and personalized planning from Decker Retirement Planning.
In this episode of Safer Retirement Radio, Brian Decker, owner and founder of Decker Retirement Planning, discusses the importance of working with a fiduciary and dives deep into essential tax strategies for retirees. Learn strategies to help ensure your retirement savings last, and discover various tools and strategies that can help protect your financial future.Listen now and gain insights on:The role of a fiduciary in retirement planningKey tax strategies for high net worth and average investorsThe importance of a comprehensive retirement planVisit Decker Retirement Planning for more resources and to download valuable guides.
Join Brian Decker and Arrin Wray on this episode of Safer Retirement Radio as they discuss retirement planning strategies. Learn from retirement planning experts about the transition from accumulation (growing assets) to distribution (turning the assets into an income stream), effective investment strategies, risk management, and how to secure a comfortable retirement.Highlights:-Differences between financial accumulation and distribution phases-Creating detailed income projections-Risk management and investment strategies for market volatility-Importance of income planning, tax planning, and legacy planningListen now and arm yourself with expert knowledge to help build the retirement you want.
In Episode 107 of Safer Retirement Radio, we dive into key aspects of retirement planning, including real estate investments, debt management, and long-term care strategies. Join Brian Decker and Bradley Geddes, CFP(R) as they discuss:The benefits and drawbacks of real estate investments for retirees.Effective strategies for managing mortgages and cash flow in retirement.The impact of market volatility and the importance of legacy planning.Long-term care insurance options and self-insuring strategies.How to navigate tax uncertainties and preserve your finances.Don't miss out on this guide to securing a stable and prosperous retirement. Download our free resources on safer retirement planning and get personalized advice from Decker Retirement Planning. For more information and disclosures, please visit our website at https://deckerretirementplanning.com
📻 Welcome to Episode 106 of Safer Retirement Radio with Brian Decker, your trusted guide through the complexities of retirement planning and investment strategies. In this episode, Brian gets into the psychology of money, emphasizing the critical need for active management and adaptability in today's financial climate.🔍 Key Highlights of This Episode:Risk Management and Retirement Planning: Brian opens with an insightful discussion on safeguarding your retirement against market volatility.The Psychology of Money: Explore how emotional factors influence investment decisions and the importance of a strategic approach to the stock market and fixed income investments.Active vs. Passive Investing: Brian critically evaluates the pitfalls of passive investing, especially in high-interest environments, advocating for active management to navigate through market cycles.Sector Rotation and Momentum Investing: Discover the benefits of these strategies for achieving retirement success and how they can protect and grow your investments during market downturns.Financial Traps and How to Avoid Them: Learn about common financial traps in retirement planning, such as FOMO, and how Brian’s team uses sophisticated algorithms to steer clear of them.Personalized Investment Strategies: The episode wraps up with a discussion on creating tailored investment strategies that align with individual risk tolerance and retirement goals.🌟 Stay informed and prepared for your retirement with Brian Decker’s expert advice. For more insights and personalized consultations, reach out to Decker Retirement Planning. Don’t forget to like, share, and subscribe for more episodes on making your retirement safer and more prosperous!
🎙️ Learn about the essentials of retirement planning with financial expert Brian Decker on the 105th episode of Safer Retirement Radio. This session is packed with insights as Brian deconstructs retirement investing strategies, emphasizes the critical shift from accumulation to distribution, and lays out the potential pitfalls of traditional methods like the 4% rule in flat markets. 📈Understand why Brian warns against relying on bond funds and pie charts for retirement plans and how he evolved his approach to include two-sided strategies for making gains in up and down markets. He also discusses the SEC’s restrictions and how thinking outside the box with a skier-inspired approach can keep your retirement on track regardless of market conditions. ⛷️Discover the benefits of equity-indexed accounts and why Decker's distribution plan is designed to help bring you peace of mind. Learn how Brian's math-based investment models cater to market changes, prioritizing growth while managing risk. 📊In this episode, Brian shares his expertise in creating a robust retirement plan that focuses on income and distribution planning, protecting against inflation, and preparing for market uncertainties. Take advantage of his insights on approaching retirement planning uniquely and effectively.👉 For personalized advice and a deep dive into your retirement readiness, call 833-707-3030 for a free consultation with Decker Retirement Planning.
Welcome to Safer Retirement Radio with Brian Decker, founder of Decker Retirement Planning, and Bradley Geddes, one of our trusted advisors. In this episode, we're covering crucial topics surrounding retirement planning and financial safety. From fiduciary standards and financial advisor transparency to investment strategies and tax efficiency, we cover it all to help you achieve a safer and more secure retirement. Join us as we explore essential retirement planning principles, risk management strategies, and tax-saving opportunities. Whether you're nearing retirement or already enjoying your golden years, this episode offers invaluable insights to help you navigate the complexities of retirement planning with confidence. Tune in now and take the first step towards a safer and more fulfilling retirement journey.
In episode 103 of Safer Retirement Radio, financial experts Brian Decker and Arrin Wray dissect the complexities of planning for a financially secure retirement in an environment of fluctuating interest rates and uncertain markets.🎧 Tune in to learn about:Adjusting retirement investment strategies as Treasury rates rise, creating better options for those approaching retirement.The nuances of the 'rule of 100' in asset allocation and the potential pitfalls in a climate of rising interest rates.How Decker Retirement uses laddered principal guaranteed accounts to combat interest rate risk and enhance returns.Proactive tax planning and how inflation, political uncertainty, and shifting market dynamics can affect your retirement savings.The team dives deep into the strategies that promise stability and growth in both up and down markets, including momentum and relative strength approaches, sector rotation, and the crucial differences between accumulation and distribution strategies in investing.🔄 Understanding the risks:Discover the importance of sequence of returns risk and how it can affect the longevity of your portfolio.Learn why traditional 60/40 portfolios may face a decade or more of flat returns and the significance of legacy planning in the face of political and financial risks.Brian and Arrin bring their seasoned insights to the forefront, offering listeners actionable advice on managing their portfolios through conservative projections and stress testing against various market conditions.📞 Ready to take the next step in securing your retirement? Call Decker Retirement Planning for a complimentary retirement readiness assessment at 833.707.3030Subscribe to Safer Retirement Radio on SoundCloud for more insightful episodes that guide you towards a retirement plan that's as resilient as you are.
Welcome to another empowering episode of Safer Retirement Radio. Owner and Founder Brian J. Decker and Bradley Geddes, CFP(R), share expert insights on mastering tax planning for a secure retirement. Episode 102 is a deep dive into strategies designed to safeguard your finances and optimize your tax situation as you plan for those golden years.🎧 In This Episode:Discover the power of tax loss harvesting with real-world examples from the likes of ExxonMobil, Amazon, and Apple.Learn the substantial benefits of Roth IRA conversions and how they could potentially save you millions in future taxes.Find out how Decker Retirement Planning's advisors employ tax-deferred account conversions, DSTs, and CRUTs to minimize your tax liability.Uncover the advantages of proactive tax strategies, including capital gains planning before potential rate increases.Explore offensive tax planning techniques that cater to concentrated stock positions and offset income spikes with charitable contributions.Brian and Brad go beyond the numbers to offer a holistic approach, contrasting traditional accounting practices with comprehensive retirement income planning that encompasses all facets of your financial life. From real estate investment tax hacks to dynasty trusts and the backdoor Roth IRA strategy, this episode is packed with valuable tactics to boost your tax efficiency.📞 For a personalized path to tax-smart retirement planning, reach out to Decker Retirement Planning at 833-707-3030 for a complimentary consultation.Hit follow for more insightful episodes that help pave the way to a financially secure retirement.#TaxPlanning #RetirementStrategies #SaferRetirementRadio #FinancialPlanning #RetirementTaxTips #DeckerRetirementPlanning
🎙️ Welcome to Episode 101 of Safer Retirement Radio, where Decker Retirement Planning Owner and Founder Brian Decker is joined by our Utah-based planner Arrin Wray, who provides a wealth of knowledge for those navigating the uncertain waters of retirement planning.In this episode:Brian and Arrin outline the unique challenges of retirement planning, particularly for those in high-risk professions like firefighting and construction.Learn why the traditional bond allocation strategies are failing in today's market and what alternative investment strategies you can use to eliminate interest rate risks.Discover Decker Retirement Planning's innovative approach to portfolio management that protects against market downturns and improves potential returns.Get exclusive insights into Smart beta indexes and why principal guaranteed accounts could revolutionize your retirement distribution plan.And that's just the beginning! We also delve into momentum strategies for lowering investment risks and debate the effectiveness of various asset classes, including real estate ETFs and foreign exchange hedging.Whether you're a seasoned investor or just starting to think about retirement, this episode is packed with actionable strategies to ensure your retirement funds are working as hard as you did to earn them.👉 For a deeper dive into a math-based, personalized retirement strategy, call 833-707-3030 for a free consultation with the experts at Decker Retirement Planning.📘 Don't miss out on our bonus offer – a free book on retirement principles when you visit our website!
🎈 Episode 100 is here on Safer Retirement Radio with Brian Decker! 🎈In this special episode:We talk about why it's crucial to have an estate plan.Learn the dos and don'ts of retirement accounts and trusts.Discover the importance of choosing the right Power of Attorney.Get tips on creating a healthcare directive that protects your family's peace of mind.Brian Decker is joined by our Salt Lake area planner, Arrin Wray, to share their expertise to help you plan a secure retirement and a smooth estate transition.✨ Listen now for key strategies and advice on setting up your estate plan without stress.Need a personalized retirement plan? Contact Decker Retirement Planning at 833-707-3030 for a free consultation. If you are looking for legal advice, please consult with a qualified attorney. #RetirementTips #EstatePlanningSimplified #SaferRetirementRadio #FinancialAdvice
Jump into the world of retirement planning with Brian Decker and Arrin Wray on Safer Retirement Radio. In this enlightening episode, our experts unravel the complexities of the Secure Act 2.0, adjusting investment strategies for retirement, and the critical role of tax planning in securing a financially stable future.🔍 Episode Highlights:Retirement Planning Principles: Learn the importance of drawing income from principle-guaranteed accounts and how to manage your finances more effectively in retirement.Investment Strategies: Discover how to adjust your investment strategies to protect your principal from market volatility and ensure consistent spending.Tax Implications: Brian and Arrin discuss the tax implications of inheriting an IRA and introduce strategic IRA to Roth conversion strategies as a tax planning solution.Guaranteed Income Strategies: Understand why accumulation strategies may harm retirees and explore laddered principal guaranteed accounts for retirement income.Secure Act 2.0 and Inflation Impact: Unpack the changes brought by the Secure Act 2.0, including automatic enrollment, catch-up contributions, and how inflation affects healthcare costs and estate planning.For personalized retirement planning advice, don't hesitate to reach out. Call us at 855.425.4566 or visit https://deckerretirementplanning.com/ for more insights. Tune into Safer Retirement Radio on your favorite podcast platforms for expert guidance on navigating retirement planning, investment strategies, and tax implications.
Tune in to the latest episode of Safer Retirement Radio where Brian and Arrin Wray, our Utah-based planner, delve into the pivotal changes brought by the SECURE Act 2.0. They discuss how updates to Required Minimum Distributions (RMDs), annuities, and 401k plans can shape your retirement planning. Dive into the nuances of IRA tax implications, the strategic benefits of Roth conversions, and the importance of professional guidance in tax savings and legacy planning.In this deep diving show, they cover everything from inflation's impact on retirees to the value of Health Savings Accounts and long-term care insurance options. The duo provides a clear path to navigate the complexities of retirement income planning, aiming to mitigate risk and maximize your financial well-being.Listen now and empower yourself with the knowledge to make informed decisions for a secure retirement. For a personal touch and tailored advice, reach out at 833-707-3030 for a free consultation with Decker Retirement Planning.
Welcome to Episode 97 of Safer Retirement Radio, where Brian Decker and Brad Geddes, CFP(R) dive deep into retirement planning essentials. They tackle critical topics like the need for safety in retirement investments, biases in Wall Street risk strategies, and the importance of distribution planning. Unpack the complexities of bond funds, interest rates, and their implications for retirees. Discover investment strategies for navigating both up and down markets, emphasizing the significance of risk management and principal protection. This episode offers a guide on tax-efficient retirement strategies, including Roth conversions and managing appreciated assets. Join Brian and Brad as they share their expertise on creating a resilient retirement plan that aligns with long-term goals and can provide peace of mind in a volatile market.Join us for insights on a holistic approach to retirement planning and investment management. Listen now and start building a more secure financial future.
Dive deep into the world of safer retirement planning with Brian Decker in episode 96. He analyzes the impact of political cycles on market trends and the Fed's indicators that could signal a looming recession. Learn about the power of momentum investing and sector rotation as Brian explains how these strategies can protect your capital and thrive in any market condition. With decades of experience, Brian and the Decker Retirement Planning team offer expert advice on income planning, tax minimization, and investment strategies tailored for volatile economies. He also discusses the unique challenges retirees face today, like the potential for significant portfolio losses and how to mitigate them with a personalized plan. Whether you're worried about inflation or planning your legacy, this episode is packed with valuable insights to help you secure your financial future. Don't miss out on his approach for dialing down risk and achieving your retirement goals.
In this enlightening episode of Safer Retirement Radio, Arrin Wray steps in for Brian Decker to delve into the intricacies of retirement planning. Arrin and the team dissect the current geopolitical effects on retirees, the lopsided gains of the S&P 500 and potential bubble risks, and the pivotal role of the Federal Reserve in market volatility. Discussions on inflation's bearing on retirement and the significance of math-based planning take center stage. Emphasis on the balance between protection and growth for optimal returns is evident, with Arrin underlining the value of principal-guaranteed accounts for stability. As the conversation progresses, listeners are introduced to the art of tailoring investments to market cycles and the advantages of a long-term outlook in retirement planning. Don't miss the invaluable insights and the opportunity for a complimentary consultation with the Decker team to refine your retirement journey.
In this episode of The Brian Decker Show, we dive deep into retirement planning and tax strategies with special host Bradley Geddes, CFP(R). From the implications of the Tax Cuts and Jobs Act to Roth IRA conversions, Brian and Bradley provide invaluable insights to optimize your financial future. Topics covered:Importance of tax planning for retirees in the current economy.The looming tax increases with the expiration of tax cuts.The distinction between tax planning and income planning.Strategies revolving around Required Minimum Distributions (RMDs).The Secure Act's impact on retirement planning.Key strategies with Roth IRAs.Navigating taxes and investments for a secure retirement.Decker Retirement Planning is here to provide valuable resources, including Brian's book, to guide you in your retirement journey. Tune in and equip yourself with the knowledge to make informed decisions.
In the latest episode of 'Safer Retirement Radio,' Brian Decker unveils the intricacies of the newly refined risk bucket strategies employed at Decker Retirement Planning. He delves deep into the art and science of risk management, introducing listeners to two-sided money management techniques specifically crafted for today's unpredictable market dynamics. As he sheds light on the myriad of risks threatening today's retirees, the broader market, and the global economy, Brian presents 'A Safer Retirement'—a holistic approach designed to guide retirees smoothly toward their financial aspirations. Whether you're in the midst of your retirement journey or merely seeking insights into money management, risk mitigation, and strategic income planning, this episode contains a wealth of knowledge. Tune in for a deep dive into securing a stable and prosperous retirement.
In this episode, we dive deep into the role of Artificial Intelligence (AI) in the world of finance and investing. Discover how AI might impact jobs, the potential in retail applications, and the evolving world of portfolio management. We'll discuss:
The significant difference between computers and AI. How retirement planning strategies remain consistent across decades. The influence of AI on investing and its potential future applications. Insights on Nvidia's position in the AI industry. How AI will redefine investing in retirement. The bottom line on AI and its importance in forming a retirement plan. A deeper look at Decker Retirement Planning's client-centric process. Whether you're curious about the technological advancements in finance or seeking guidance on retirement planning, this episode has something for everyone.
For more information, go to our website at www.deckerretirementplanning.com
Dive into the world of retirement planning with Brian Decker and guest Aaron Wray. This episode unpacks the complexities of bond funds, the challenges of asset accumulation, and the shift to ladder principal guaranteed accounts. Learn about the role of fiduciaries in retirement, the crucial need for an inflation-proof retirement, and the pitfalls of having too much money at risk. Discover the significance of distribution plans, the 10% risk factor, and the ever-evolving dynamics of the S&P 500. Plus, hear about Brian's invaluable book on retirement planning. Seeking a safer, smarter, and more strategic retirement? This episode is for you! For more information, go to our website at https://www.deckerretirementplanning.com
Brian is joined by, Neil Fenning, one of our Washington-based advisors, to talk about the intricacies of retirement planning in this insightful episode. Discover the importance of shifting from accumulation to distribution and why last year serves as a critical case study for this paradigm shift.
This episode hones in on the necessity of stress testing in portfolios and the pivotal role of income planning. Learn about the five layers of protection against inflation, contingencies in the stress test, the impacts of a spouse's death on retirement income, and more!
Brian and Neil offer expert insight on tax-free retirement strategies and explore the potency of ROTH conversions, flexible spending, and the use of donor-advised funds. They further shed light on the possibility of making rental real estate income tax-free through the creation of trusts and touch on the importance of long-term care and insurance.
For more information and to download free retirement planning resources, visit https://www.deckerretirementplanning.com
In this episode, we dive into the key decisions of retirement planning and the vital role of fiduciaries. Uncover the importance of independent, fee-based advice and the differences between bonds, bond funds, and CDs. Learn about variable annuities, non-traded REITs, and the dangers of undisclosed fees in this episode of Safer Retirement Radio.
Brian also explores the impact of market crashes, the concept of sequence of returns risk, and the pitfalls of the 4% rule. Discover strategies for income and tax planning, active money management, and Roth conversions. Finally, learn about the six key components of a retirement plan and the fiduciary standards that guide these decisions.
To find out more about Brian Decker, the owner and founder of Decker Retirement Planning, and the strategies his firm uses, visit https://www.deckerretirementplanning.com
Brian Decker is joined on this episode by Bradley Geddes, CFP(R). This week, they navigate the essential components of a secure retirement plan in this enlightening episode. Learn why a well-rounded plan, starting with the right questions and multiple income streams, can ensure financial safety during your golden years. Discover how much income you really need and strategies to maximize it while minimizing taxes.
Brian and Bradley discuss tax and risk reduction, portfolio optimization, and how to get the most from your retirement nest egg. They also dive into Roth conversions, the role of fiduciaries, and the potential dangers of high-commission products. This episode is a must-listen for anyone planning for retirement and seeking to optimize their income and assets.
For a wealth of information on retirement planning, visit www.deckerretirementplanning.com.
On this episode, Neil Fenning, one of our Washington State-based planners, joins Brian to discuss the possibility of a government shutdown. You'll hear about the possible effects of not raising the debt ceiling on the market and economy.
There are concerns about a recession for the remainder of the year, as indicated by some recent economic data. The outlook is leaning towards a potential economic downturn later this year. Now, we don't have a crystal ball but do have a way to help retirees create an income plan to help protect themselves financially against market downturns. In this scenario, it's essential to identify effective instruments and strategies that can support retirees during a market downturn. Exploring options and analyzing their performance during downturns versus the conventional pie chart approach can be helpful. For more information on our plans, or to get a hold of us, please visit our website at https://www.deckerretirementplanning.com
In this episode, Brian continues the conversation on tax minimization and estate planning. At Decker Retirement Planning, we approach retirement using a method called A Safer Retirement™. By using this approach, our clients get help combining some of the most important aspects of retirement, like tax minimization, estate planning, income planning, and investment growth. For more information, go to https://www.deckerretirementplanning.com, where you can learn how we help our clients minimize some of the biggest risks facing retirees, like managing longevity risk, healthcare costs, market volatility, inflation, and losing out on Social Security.
This episode is about Estate Planning and Tax Strategies you may not know about. Our San Francisco Bay Area-based planner, Bradley Geddes CFP®, joins Brian Decker on this week's show. One of the most important things about our retirement planning approach called, A Safer Retirement™ is how we work to incorporate strategies like the ones you'll hear about on the show into all of our plans. Listen in to hear more.
On this week's episode, Neil Fenning, one of our Washington State-based planners joins Brian Decker, the owner & founder of Decker Retirement Planning. They're talking about the Silicon Valley Bank collapse. You'll hear about what happened and why it matters. Brian and Neil will also cover how it can affect retirees and how we, at Decker Retirement Planning, can protect our clients against these types of risks. For more information go to https://www.deckerretirementplanning.com/
Brian Decker is the owner and founder of Decker Retirement Planning and has over 35 years of experience in the industry. On this episode of Safer Retirement Radio, he's talking about the Federal Reserve. You'll hear about what the Fed has done recently and what they're signaling they will do throughout the rest of the year. He also talks about how this might affect retirees and the markets.
Is your retirement plan ready for something unexpected? Like market volatility, a changing tax landscape, fluctuating costs, or the unexpected passing of a spouse. Bradley Geddes, CFP(R) joins Brian on this week's episode to discuss the stress test we help our clients go through. For anyone considering the next step with retirement planning, this episode is a must-listen. You'll hear about our retirement planning stress test. For more information, go to https://www.deckerretirementplanning.com
What has the fed done recently and what are they signaling they will do throughout the year? What timeframe does that give the market and the economy? What are the potential problems for retirees with that? How do our plans/services solve that problem for our clients? Listen in to hear answers to these and more!
Our Renton, WA-based senior planner, Neil Fenning, joins Brian on this week's show. They talk through estate planning from a financial planner's point of view.
Arrin Wray, our Salt Lake City, and Lehi Utah planner joins Brian on this episode of Safer Retirement Radio. You'll hear them recap 2022 and what contributed to the markets doing so poorly. They also give an outlook for 2023. They talk about current risks to retirees and what can be done to help, and how our plans can address those risks.
The owner and founder of Decker Retirement Planning is joined by Bradley Geddes, CFP® on this week's show to discuss the unusual times we are in with stocks and bonds. It's only happened a few times, but so far this year, both are down. Listen in to learn about how retirees can build a retirement income plan to help protect them from volatility in the equity and bond markets.
Bradley Geddes, CFP(R) joins Brian on this show this week. This episode is about volatility, rising interest rates, and what retirees can do about it.
Neil Fenning, our Renton, WA-based advisor, joins Brian on the show this week to discuss the Fed and its recent statements. You'll hear about what it can mean for the Markets and us. The Fed's Powell said he wanted to see "pain"; this episode will help give you an idea of what that can mean for retirees and their financial plans.
On this episode, Brian is joined by Bradley Geddes, CFP(R). Bradley helps our clients nationwide, but is based in the California Bay Area. Their conversation focuses on 6 keys to a retirement plan. Brian and Bradley start by talking about the basics, which is to have a plan! While that might sound simple, it's surprising how many retirees don't have a plan. You'll hear about how we define what a retirement plan is. They also discuss tax minimization strategies, risk reduction, portfolio optimization, income optimization, and fee minimization. And one of the biggest things that separates us from other advisors is how we mesh all of these points together in our planning process. Tune in to this week's episode to hear more about it. If you want more information or want to get a hold of us to see how your retirement could potentially be improved by our approach we call A Safer Retirement(TM), visit our website at https://www.deckerretirementplanning.com
There are some aspects to retirement planning you really need to think about. At Decker Retirement Planning, we use an approach we call A Safer Retirement(TM). It's a strategy that looks at retirement income planning, investments, tax minimization, healthcare needs, legacy planning, and estate planning. We are not attorney's, but we are fiduciaries and want to point out common problems facing retirees and their estate and legacy planning. Listen to this week's episode, to hear about how we help our clients solve their retirement planning problems. For more information go to https://www.deckerretirementplanning.com
Russia defaulted on their debt, how can this affect a portfolio? This week Brian discusses the risks associated with emerging markets; and how you can properly diversify your portfolio. You'll also hear about strategies that can make money in both up and down markets. Listen in to hear more about retirement planning and what we do at Decker Retirement Planning to help our clients enjoy A Safer Retirement™. For more information go to https://www.deckerretirementplanning.com
Neil Fenning, one of our planners, joins Brian on this week's show. They talk about why the market is down, and why retirees shouldn't sit around and wait for it to turn in our favor. If Wall Street or The Government dictate the terms of your retirement, it may not turn out how you like it. Listen to this week's show to hear about how retirees can take control of their retirement even with a market decline and rising interest rates. For more information, visit us at https://www.deckerretirementplanning.com
On this episode, you will hear from Brian about investment myths. There are a lot of "rules of thumb" that retirees like to use, but are they really in your best interest? Brian dissects some of those myths and what some alternative approaches are for those looking for A Safer Retirement(TM). For more information, visit us at https://www.deckerretirementplanning.com
On this episode, you will get to meet our Bay Area advisor, Bradley Geddes CFP(R). He and Brian are talking all about the markets and inflation. The markets are down. The Fed is working to combat inflation. And retirees could be a in a tight spot. Listen to this episode to hear more about what is happening in the markets and inflation, and what retirees can do (or avoid) to help themselves to get through this period of uncertainty and volatility. For more information, go to our website at https://www.deckerretirementplanning.com to learn more!
On this week's show, Brian is joined by one of our planners, Neil Fenning, and they're talking tax strategies for retirees. Neil is one of our tax experts. They're going to cover tax saving vehicles and strategies, like a "back-door Roth", and what you can do now while taxes are near all-time lows. You'll also hear about how to use strategies and tools like charitable remainder unitrusts, net unrealized appreciation, donor advised funds, and others to help retirees both maximize their assets, but also provide income for the golden years!
On this episode you'll hear about Principal Guaranteed Accounts and how they can fit into a retirement plan. Principal guaranteed accounts come in many forms and on this week's episode, you'll learn some of the good and the bad, and maybe a little bit of the ugly. If you want to learn more about principal guaranteed accounts and how they fit into the three principles that govern proper retirement planning (we have a free book download about these three retirement principles on our website), visit us at https://www.deckerretirementplanning.com
It seems that most who try to save for retirement focus on growing their money as much as possible. But, what happens when it comes time to start using that money? Moving from accumulation to distribution can be daunting, there are so many things to consider. This week on the show, we talk about Distribution planning and the headwinds that retirees face and what to consider as you plan to start taking income from your assets. You will also be introduced to one of our Washington based planners, John Carruthers.
On this episode of Safer Retirement Radio. Brian talks inflation (including risks, like interest rate risk) and the stock market and what that can mean for your retirement portfolio. Interest rate risk is big problem for some portfolios. Learn if it could affect yours and what you can do about it. Brian is also joined by Neil Fenning, one of the planners here at Decker Retirement Planning.
Brian talks about how to protect capital and even make money when the market drops. Learn how the investment strategies we use can be used with tax minimization, income and distribution optimization, and other retirement planning strategies to help retirees secure a comfortable retirement.
The conflict in Ukraine has brought market volatility back to the forefront of investors' minds. This week hear how we at Decker Retirement Planning use distribution planning and two sided models for our client to help protect them against big drops in the market.
On this episode, learn about the 6 key parts to a retirement plan. Brian Decker, owner and founder of Decker Retirement Planning explains what some of the critical parts to a retirement plan are. You'll hear about things like having a plan, optimizing your portfolio for income distributions, minimizing taxes, and more!
This week Brian and Mark go through some major dates for the year. You might be familiar with some of the more well known dates, but not as familiar with others. They'll cover the dates and why it matters along with some other considerations for retirees. This may be an episode you will want to reference throughout the year.
It's everyone's favorite topic: taxes! Well, maybe it isn't everyone's favorite topic, but most people want to know how to save on the tax they pay. This week, Brian discusses different strategies that can help people save big on their tax bill. He covers topics like Roth conversions, estate tax minimization, charitable giving, and some others that you may not be familiar with. If you want to learn more about how these strategies can impact your tax bill, give us a call at 833.707.3030.
On this week's episode, Brian and Mark continue their conversation on the Checklist Challenge. Listen to hear them address topics like income planning, tax minimization, healthcare, and more. If you don't think these topics apply to you, listen in, you might be surprised just how much they can impact your retirement!
This week Brian continues with the checklist challenge. He talks through the different questions and how someone can take a lot of the guesswork out of preparing for retirement by taking the Checklist Challenge.
Are you ready? This week Brian introduces the Checklist Challenge. You'll hear about questions you should be able to answer to help you know if you are ready for retirement. These questions cover topics like income, tax, medical, and more!
Brian talks about his origin story and why he got into retirement planning. More importantly, he talks about why he set up Decker Retirement Planning the way he did and how, with the help of distribution planning, you can retire early.
You may have heard about income buckets in retirement. This week, Brian and Mark discuss what they are and how to use them for your retirement income. You will also learn about how we, at Decker Retirement Planning, use a math based approach to maximizing your income in retirement through distribution planning.
This week Brian talks through his experience in the industry and what you should know when deciding on an advisor. We explain the importance of working with fiduciary and hearing a first hand account of what it was like to be on the other side. In this episode, you will learn about 3 things to ask an advisor to see if they are going to act as your fiduciary.
We're back! After a summer break, Brian and Mark are catching you up on risk. Learn about how some retirees are taking too much risk with their retirement portfolios and how to avoid taking too much. This week Brian talks about how to avoid taking too much risk and what you can do to avoid it in your portfolio.
This week, Brian covers the 3 parts to a solid retirement plan. He talks, cash, safe money, and risk and why retirees need to have all 3. He also talks through some popular investment strategies and their pitfalls, like the Warren Buffet and Dividend strategies.
At Decker Retirement Planning, our goal is to help our clients enjoy a Safer Retirement. We feel the best way to help them accomplish this is through distribution planning. This week Brian talks income planning and what a plan should look like for retirees.
Brian talks about headwinds facing retirees. He goes into detail about what a fiduciary is and how you can know if your advisor is actually required to act in your best interest. And finally, he introduces distribution planning, and what to consider when choosing when to take Social Security or a pension.
On this week's episode, Brian wraps up his discussion from the previous episode about estate docs and talks trusts. With recent rising prices, he also talks inflation and how a proper retirement plan can handle rising prices. He wraps up the episode talking through tax and ways to minimize taxes in retirement with the right plan.
On this episode, Brian talks estate planning. Through his career, he has seen the common problems people run into when building a retirement plan and wants to help make sure your plan works with your estate documents. He gives his perspective as a financial planner on considerations when building your estate plan.
This week Brian talks about the risk bucket and what options you have. Whether you're seeking growth or downside protection, most people don't know there is a strategy that can give you both in retirement.
Are you aware of every option you have for a retirement plan? This week, Brian covers an income plan and what options retirees should consider when funding their plan. From your safe options, to growth strategies you may not be familiar with.
Tune in as Brian talks through the 3 Principles that govern proper retirement planning. He also talks about what a fiduciary is and why it matters to you. And in the last segment, Brian discusses what the options for a plan are.
This week, Brian talks about 3 types of insurance that you may not need in retirement. He covers liquidity and why it matters to you. And then covers some basic questions you should be asking yourself when creating a retirement plan.
On this week's Episode, Brian talks stress testing your plan. You'll hear topics like, optimizing income, minimizing tax, protecting assets, and which insurance options can help meet your needs in retirement.
This week, Brian and Mark talk risk bucket and how two-sided models work. Where to find the best options. And how do they work best in a distribution plan. They also talk Social Security and how you can know you're picking the best option for you. They wrap up the show discussing how to plan out your income streams for retirement.
On this episode, Brian talks distribution planning and two-sided models. And answers questions like, what it is, how does it work, and what are the options.
On this episode, we welcome a new co-host! Brian talks about 3 checks to see if an advisor is a fiduciary, the headwinds facing retirees, and what a distribution plan is and how it uses safe money, principal guaranteed accounts, and risk to help retirees through their retirements.
On this episode of Safer Retirement Radio, Brian and Clayton discuss 3 things you can do to retire early, how to reduce risk without sacrificing growth, and you will hear about 2 of the strongest tax strategies still available to most people.
On the second part of the episode of Safer Retirement Radio, Brian and Clayton will finish up their discussion on 3 things you can do to retire early, how to reduce risk without sacrificing growth, and you will hear about 2 of the strongest tax strategies still available to most people.
The second half is here! On the second part of our two part episode, Brian and Clayton close out their conversation on estate planning considerations from a financial planner's point-of-view.
On the first of this two part episode, Brian and Clayton discuss estate planning considerations from a financial planner's point-of-view.
This week on Safer Retirement Radio Brian and Clayton get into the details of the risk bucket. What options exist that you can invest in? Tune in to learn about tons of options as well as the pros and cons for each!
Do you have money invested in FIA's and/or IUL's? Do you know what an FIA or IUL is? Tune in to this week's Safer Retirement Radio where Brian and Clayton breakdown the pros and cons of these two investment vehicles and how they fit into retirement.
If you haven't heard about what's happening with Gamestop, Reddit and Robinhood, tune in just to get a taste of what's going on!
Part of putting together a retirement plan is figuring out if your plan will work long term. At Decker Retirement Planning we take steps to help ensure that it will! Tune in to learn what examples you should think about when putting together a retirement plan.
On this episode of Safer Retirement Radio Brian and Clayton dissect market risk and how to handle risk in retirement.
Continuing the topic from last week, Brian and Clayton dive into the details of a Distribution Plan.
Welcome 2021! Brian & Clayton are kicking off the New Year with the same show but even more content! Every Friday at 10:00 AM MST we're dropping an hour long podcast! Expect to hear high level content about the stock market, money management, the FED, retirement strategies and so much more!
With 2021 officially here we're kicking off the New Year with what you should be looking for in an advisor.
We're wrapping up 2020 on a positive note talking about what we have to look forward to in 2021!
On this week of Safer Retirement Radio, Brian and Clayton finish their conversation about what they learned in 2020.
As we near the end of the year Brian and Clayton wanted to talk about things they learned about in 2020. And there were a lot of lessons! So much that we're making this a two part podcast! Tune in next week to hear Part 2!
With the end of the year soon upon us we thought it'd be appropriate to replay an episode from earlier this year about taxes. In this episode Brian and Clayton break down 7 tax saving strategies!
Happy Thanksgiving! This week on Safer Retirement Radio, Brian and Clayton break down the essentials in a financial advisor. Does your financial advisor check all the boxes? Tune in to find out!
Welcome back to Safer Retirement Radio! This week Brian and Clayton dive into taxes and your Risk Score. If you don't know what your risk score is, head on over to our website www.deckerretirementplanning.com and take our quiz. This can assist you in determining how much of your portfolio you want to keep at risk during retirement.
Because of the ongoing market volatility we wanted to do a throw back episode where we talked about market volatility. In these uncertain times this is a great refresher on how you can navigate your portfolio!
On this weeks Safer Retirement Radio Brian and Clayton discuss the three main questions retirees ask and how Decker Retirement Planning can help you!
As we near the end of the year taxes are starting to be on your mind! On this episode Brian and Clayton layout 7 strategies you can benefit from with your taxes. Whether you're one year from retirement or 30 years, these strategies are for everyone.
On this week of Safer Retirement Radio Brian and Clayton continue the conversation of Market Volatility. Last week they covered the 50 and under demographic and this week they talk about the 50 and over demographic.
We've been dealing with a lot of market volatility this year and we want to discuss how to deal with that as a retiree. Tune in to Safer Retirement Radio as Brian and Clayton break down what you should be asking your advisor during times like this!
Welcome back to Safer Retirement Radio! We're taking a little detour this week as the election nears and the Vice-Presidential debate takes place in our home state of Utah. On this episode Brian and Clayton discuss market volatility during an election. Single tweets from President Trump cause market changes, so what impact will the election do?
On this weeks episode of Safer Retirement Radio, Brian and Clayton explain the differences between the other guys pie chart and Decker Retirement Planning's distribution plan. If you're nearing retirement tune in to learn about the plan you should be transitioning to!
On this weeks episode of Safer Retirement Radio Brian and Clayton talk about the ins and outs of two sided models. How do they operate? How can they battle down markets? What's the proper way to approach them? Tune in and find out!
We left you on a cliffhanger last week as we kicked off talking about risks. On this episode we finish the discussion on risks!
On this weeks episode of Safer Retirement Radio Brian and Clayton dissect what's going on in the stock market, especially with the NASDAQ.
We're not attorneys but we've seen hundreds of estate documents and they're essential to tie with your financial plan. On today's episode we're going to take you through what we've seen in the past and the best way to tie your estate documents to your financial plan.
In the past few episodes you've learned everything about a distribution plan and knowing whether or not you can retire. So what now? A lot goes into implementing the plan and on this episode Brian and Clayton discuss what it takes to get the ball rolling.
Have you ever heard of a two sided model? Tune in to this weeks Safer Retirement Radio to learn how this model can work for you!
You've learned all about the shortcomings of using a pie chart in retirement. Well then what? Brian and Clayton discuss the solution: A Distribution Plan. Learn all about it on this weeks episode of Safer Retirement Radio!
On this weeks episode of Safer Retirement Radio Brian and Clayton dive into the common strategy surrounding retirees, the pie chart; and how it falls short. Tune in to learn why it's no longer the go to strategy and how you can have a Safer Retirement using a distribution plan.
Right now is one of the most difficult times to retire. On this episode Brian talks about the current headwinds in retirement and how you can avoid them!
On today's episode of Safer Retirement Radio Brian and Clayton discuss what you should look for in a financial advisor. Specifically, the benefits of working with a Fiduciary. Tune in to find out what key components to look for as you search for an advisor.
On today's episode of Safer Retirement Radio Brian and Clayton dive in to your 401K. Should you review your 401K? What options do you have? How can you stay positive in such a volatile market? All of these questions are answered and more!
Decker Retirement Planning accounts went positive during the first quarter of 2020. How? Tune in to find out!
The stock market is such a roller coaster right now that retirees might have a hard time knowing what to do in their portfolio. Here's the good news. Brian Decker has been through this before and has several strategies for times like these. Tune in to learn from 35 years of experience!
Is your portfolio designed exactly the way you want it? Do you have the five key components of a portfolio? Stay tuned to find out! Brian Decker and Clayton Bradshaw dive deep into the details on this one.
On this episode of Safer Retirement Radio Brian & Clayton dive into the Risk Portfolio. How should you handle your risk investment options during retirement? Stay tuned and find out!
On this episode of Safer Retirement Radio Brian and Clayton dive into the world of Tax Minimization! Roth conversions vs Roth contributions, IUL's and more! If you want to learn how to minimize your taxes in retirement this episode is for you!
On this episode of Safer Retirement Radio, Brian talks about how low interest rates effect you and your retirement.
On this episode of Safer Retirement Radio Brian talks about how much the economy is changing right now.
On this episode Brian and Clayton talk about the current state of the stock market and where they think it's going.
Welcome to Season 4 of Safer Retirement Radio! Brian Decker, Founder and Owner of Decker Retirement Planning is your new host and wastes no time getting into whats happening in the world right now!
The stock market is down but clients at Decker Retirement Planning are making money, not losing money. How is that even possible? Tune in to today's show with Mike Decker and Clayton Bradshaw to learn about two sided models, a safer distribution plan and the three principles that, when implemented correctly, can save your retirement.
On this week's episode of Safer Retirement Radio Mike and Clayton answer questions from YOU! The stock market is down and you might be wondering what that means for you. Tune in to get all of your questions answered and give us a call to learn more about a Safer Retirement: 833-707-3030
Tune in as Mike and Clayton breakdown 4 tips to avoid the next market downturn. Learn how Decker Retirement clients avoided the Coronavirus Crash using an authentic, principle based retirement plan.
Get ready for a jam packed episode today! Mike and Clayton discuss the coronavirus and its impact on the stock market this week. As well as four ways to own stocks and what Warren Buffett said to the world. Get comfy for this episode of Safer Retirement Radio!
Tune in as Mike and Clayton, for the first time on air, give four secrets to planning a Safer Retirement. They'll discuss details about income optimization, risk reduction, tax minimization and social security. You don't want to miss this one!
For the first time on the air Mike and Clayton fully disclose three of Decker Retirement Planning's Tax Minimization techniques and how to effectively implement them. They'll also dive into what a SAFER Retirement means and the five steps to get there.
On this episode of Safer Retirement Radio, Mike and Clayton dive into what the difference is between a retirement strategy and a retirement plan. They also explain the second principle of retirement: "Diversify by Purpose, not just by Risk" and how that principle allowed their clients to sail through the 2008 market crash unaffected.
Uncle Sam has changed the rules on retirees and you might not even know it! On this episode of Safer Retirement Radio Mike and Clayton talk about how the tax environment has changed and other strategic plans for retirement.
Do you know what a written retirement plan looks like? On this episode of Safer Retirement Radio, Mike and Clayton discuss what a distribution plan looks like and why it’s important to have one. You’ll also learn more about creating income streams that are stable and how to divide and conquer your assets.
This week, Mike and Clayton discuss some of the biggest income concerns retirees face, such as Social Security, pensions, rental real estate, and drawing income from organized assets. Tune in to learn about the principles that help solve these issues and more on Safer Retirement Radio.
2020 is a big year for retirement. This episode discusses the big changes, important dates, and effective new ways to plan for retirement. Tune in as Mike and Clayton discuss the in's and out's of our markets and more for 2020.
Learn the principles that helped a group of retirees sail through 2008, unaffected, and make good money in the 10 year bull market that followed. Mike and Clayton also discuss huge tax minimization strategies and more on this week's show.
Did you know the price of eggs has a lot to do with your retirement plan? This week, Mike and Clayton discuss how the quality of help for retirees is going down while the need for help continues to increase. Fill with stories, content, and much more, this week's episode can help give perspective on what it will take to move forward in the right direction with your retirement plan.
This week, Mike Decker and Clayton Bradshaw discuss the provisions to the SECURE Act and how it may have an effect on your retirement and more!
This week is the second part to the two part series of "12 Days Of Retirement". In this show, Mike, Clayton, and Cameron, discussion the importance of research in building your retirement plan. From tax minimization and RMD management, to life planning and social security optimization, this show hits a lot of important topics quickly.
In the holiday spirit, Mike and his team discuss the 12 days of retirement. This two-part series discusses the major points of retirement and how to address them.
The year is almost over. There are a few important to do's for retirees to check before we bring in the new year. This week's show, Mike, Cameron, and Josh walk you through those to do's and how to go about them in a simple manner.
This week, Mike, Josh, and Cameron discuss the principles of retirement planning and compare them to three myths that catch many retirees off guard. In a deep discussion, it is explained how these myths fall apart and how following the principles can help retirees have a high probability of a successful retirement.
This week on Safer Retirement Radio, Mike, Cameron, and Josh discuss the Retirement Checklist that can help you put your ducks in a row. From stress testing to 401k preparation, this week is packed with content that can help you enjoy a Safer Retirement.
There are three types of retirement plans, generally speaking. The Pie Chart, where all your assets are at risk. The Income Annuity, where you lock up your assets for life and have zero flexibility. A Safer Retirement, where you can have your cake and eat it, too. This week, Mike, Cameron, and Josh discuss the different plans and explains how to put together the ideal retirement plan for you.
If tax rates are relatively low and national debt is at or near all time highs, then what do you think will happen with future tax rates? The average retirement may last around 30 years, which means the tax environment may change drastically. This week's show addresses how to help lower tax burdens in the future so you don't have life changing decisions to make based on how congress passes legislation.
"Thou Shalt Buy And Hold" they said in August of 2008. Does the theory stand the test for retirees? The evidence suggests otherwise. Learn from Mike, Cameron, and Josh on different ways to look at your short-term and long-term investments in retirement while obeying the principles that govern proper retirement planning.
When you are planning your retirement, close enough doesn't cut it. This week's show discussions different approaches that "wing it" or dial it down to the details. When it comes to retirement planning, Mike Decker and his team believe it should be dialed down with a math-based, principle-based approach for a safer retirement.
This week, Mike discusses with Cameron and Josh different stories of clients who were blindsided when they entered into retirement because their ducks were not in a row. Also discussed is the cunundrum of working with an adviser that is older and may retire soon but has experience versus a younger adviser that may be around for a while but may not have the knowledge to help you correctly.
This week, Mike and his guests, Josh and Cameron, discuss issues that retirees face due to alternate agendas. In this show, they talk about what to look for when it comes to making the right plan with the right people. Later in the show, they discuss investment pitfalls and warnings for certain investment situations that have caught others off guard.
Just because it is working now doesn't mean it will keep working. A massive bull market can be a big false positive when it comes to investing and retirement planning. This week, Mike and his guest, Cameron, discuss major points for retirees.
If you build quality, it should last. If you build a math-based, principle-based retirement plan and spend the time upfront, you should not have a need to worry about recessions and market crashes. In this week's show, Mike and Scott discuss retirement planning timelines, how to help increase transparency in your retirement planning, and how to help your investments sail through market volatility.
This week is a special edition for all retirees who may feel nervous about the market conditions or are fearful of retirement based on the information they are receiving from the news and their financial professional. Mike has a heart to heart conversation this week about what to look for in a financial advisory, what happens behind the scenes, and how there is hope for an incredible retirement. We like to call this A Safer Retirement.
Where can you find a decent rate of return these days with the difficult interest rate environment? Stocks may look appealing, but there are many other options out there, especially for retirees. This week, Mike and Scoot discuss Safer Investment Options, Estate Planning, and Social Security Optimization.
What would happen if $15 dollars per hour minimum wage passed and it caused rapid inflation? What would happen if the market crashed while there was rapid inflation? Retirees can have 30+ years on market risk, political risk, and many other risks that should be addressed. This week's show addresses many of these risks and how to address with with a math-based, principle-based approach.
Safer Retirement Radio addresses this week the difference between math-based, principle-based investing in retirement vs the classic buy and hold strategy. Mike and Scott dive into the details of understanding different ways to diversify a retirement plan and share a touching client story.
A recession in the near future has become a hot topic in the media. These fears can go away when proper retirement planning is done. Reviewing the principles that govern proper retirement planning, this week focuses on risk, volatility, and safer investment options for retirees.
Retirement is like the descent from the mountain top... the most dangerous part. Accumulating assets when you have employment is very different than distributing assets in retirement. This week's show discusses distribution planning, taxes, and more.
Everyone has a different vision on their retirement. Everyone handles their finances in retirement differently as well. It is important to understand the many ways people can plan for income, tax minimization, and more.
Mike Decker teaches principles that govern proper retirement planning by sharing three stories this week. He discusses the power of planning ahead while giving yourself flexibility for when "life" happens. Social Security, Growth Models, and more are topics discussed today on Retirement Radio.
With the 4th of July celebrations this week, Mike addresses Financial Freedom and Independence with the 3 principles that govern A Safer Retirement. In this weeks real world stories we share the beauty of the Decker 30 Review, and what it's like when you have all the pieces, but don't know how to put your retirement plan together. To close the show Mike shares a great story about a couple who planned to be Retirement Travelers, and how we helped them achieve their goals.
Tune in as your host Mike Decker talks about the importance of having a custom retirement plan specific to your needs and retirement goals, and how the Fiduciaries at Decker Retirement Planning can help. Mike also discusses how our Tax Minimization Strategies can save people thousands, then finishes the show with a story about a recent client who was astonished by the retirement obstacles we helped her avoid, which she never knew existed.
In this week's show, Mike Decker talks about simplifying retirement plans so that both spouses are on the same page. Mike explains how you can protect your legacy and your loved ones when unexpected challenges pop up right before the finish line. All this and more tips including the 3 principles that govern A Safer Retirement.
We kick off Season 3 of Retirement Radio with more transparency, and more real life examples! Mike Decker shares the 3 Principles that govern Retirement Planning, and discusses how our clients have been able to implement them for A Safer Retirement.
This week on Retirement Radio, Mike Decker takes a deep dive into three real-life retirement stories. Mike helps answer your questions about creating a legacy plan for your children, then discusses the difficult task of facing retirement alone, without your significant other. Also in this week's show, Mike shares some tips about keeping your mind sharp in retirement, and also how you can have fun investing in the markets during retirement.
In today's show Mike Decker talks about how some of our clients retirement needs and how we helped them plan for those needs. The first story is an example of how to take care of loved ones with special needs/circumstances in retirement. We discuss the importance of making sure your Retirement plan and Estate plan work together, then finally Mike finishes the show talking about Pension vs Lump Sum.
In this weeks show Mike takes a look at two of our clients journey toward A Safer Retirement. He explains the issues and flaws we helped them recognize in their old plans, and how we were able to get them back on track. Mike also shares some interesting Retirement Facts and issues the Decker 30 Challenge!!
In this weeks show Mike mixes things up and shares some real world insights about A Safer Retirement, and talks about some of the great experiences our clients have had.
Today your host Mike Decker discusses a fascinating study about aging, and poses the question... is it just a mindset? We look at the cost of retirement, talk about Moneyball and swinging for the fences vs hitting on base, then finish up the show addressing the common issue of beneficiaries not being ready to receive money.
QUICK results vs CORRECT results, the Keto diet, struggling with change, and the cost of supporting adult children in retirement... tune in as your host Mike Decker takes a deep dive into these topics this week on Retirement Radio!
In this weeks show Mike Decker talks about saving your retirement from uncertainty and how to find freedom or enjoy retirement comfortably. We take a look at how a small group of retirees made money in 2008, discuss the power of a second opinion, and finish the show off talking about your 401(k).
April 15th is fast approaching and it means something different for everyone. For some it is stressful and tiring, but for the prepared it's something they're ready for. In today's episode we discuss Retiree Preparedness, the Emotional Roadblocks in Retirement Planning, and take a deeper look at the BIG disconnect that exists between retiree's and their planners.
In today's show we talk about April fool's jokes and how to avoid the nonsense in retirement, we introduce our exciting new offer: The Decker Retirement Planning 30/30 Challenge, and Mike shares how he got a Hole in One on a PGA course! Mike discusses the Decker Retirement Planning story, and finishes the show addressing diets and how they correlate with Retirement Planning.
March Madness is a guessing game full of ups and downs which can be fun to watch on the court, but is not a good idea when it comes to retirement planning. On today's show Mike talks about the dangers of guessing in retirement, A Safer Approach, and how many retirement plan can be like bland old recipes that need some flavor. We also discuss the 4% rule and finish the show talking about your Social Security concerns.
Spring is upon us and that means different things to different people. For some it's spring cleaning, and others it is the start of something new. In today's show we talk about the importance of a quality retirement plan, and explain why investors should no longer bet on Warren Buffet. Mike gives an update during the Market Minute, then finishes off the show with some tips of how to "Spring Clean" your finances.
As we celebrate the St Patrick's Day weekend we talk about creating our own luck through Retirement Planning and not leaving it up to chance. Mike explains what a healthy retirement can mean to you, debunks 6 common retirement myths, fills us in on current activity during the Market Minute, then finishes the show discussing how to protect yourself from market volatility in retirement.
This week, Mike and Brian dive into the difficulties many face when transitioning from the accumulation phase to the distribution phase (retirement). They discuss what A Safer Distribution Plan looks like and what it can do for you. In other segments, they discuss in depth market internals, tax changes, and more on this weeks show, Retirement Radio.
This week Mike co-hosts with special guest Brian Decker to discuss the importance of thorough preparation for retirement. We address the market conditions in your market minute, and discuss a survey showing the different ways Americans "calculate" the amount of retirement savings they need. We end the show by looking at some helpful tax strategies.
This week Mike and Brian Decker discuss the in's and out's of Social Security. We dive into the details that many Social Security Experts even fail to catch. This week, we also discuss the market conditions in your market minute, review 7 tax traps retirees face, and review reasons why individuals are unable to enjoy their ideal retirement. We end with solutions that can help folks retire years before they thought they could.
This week Mike takes Retirement Radio listeners on a discussion "how to help build a plan that you can rely on". Many retirees are living in fear without a solid retirement plan. Many are guessing with their income. This episode was recorded to help give light and clarity. The show also does a deep dive into market information. It ends with a nice explanation on how Bidimensional Growth Models work and how you can benefit them when it comes to A Safer Retirement.
This week, Mike takes you on a deep dive understanding Bidimensional Growth Models and what they can do for you. With so many down 9% or so since September, it is a good time to review your strategy with what else is out there. Also, this week features a long market minute and some thoughts on how to properly draw income from assets.
This week, Bradley Geddes from San Francisco joins Mike in an open discussion on 14 investment myths that retirees face.
Is your current retirement plan right for you? Conduct a simple series of stress tests from this week's show and find out if you have the Retirement Confidence you desire. This week, Mike Decker and Clayton Bradshaw dive into the details to help you get the transparency you deserve.
This week, we take an in-depth look at what the markets are doing and how you can help protect your principal while still making money...even in a bear market. We cover how to optimize your income with what you "got". With special guest Bradley Geddes, we dive into the details of what makes a retirement plan work, even with the many variations of assets and investments in retirement.
This week, Bruce Tynan joins the show as we take an economist's view on how the markets should be viewed for your investments. Comparing Smart Beta to raw returns, two-sided models, and more, tune in for a deep dive. Also, early in the show, Mike discusses in more detail why to Total View Distribution Plan is so critical for a safer approach to retirement.
This week, Mike is joined by Brian Decker, Founder of Decker Retirement Planning, to discuss critical tax minimization strategies that can save individuals thousands of dollars. Among other topics discussed, the show discusses the importance of a two-sided investment strategy in a two-sided market, social security, and news on how the markets are holding up.
This week, Mike Decker and special guest John Switzer discuss common mistakes found in retirement plans and how to avoid them. Also, Mike discusses "Retirement Confidence", what it is, and how to get it. Lastly, Your Market Minute is featured this week on what is going on, where to look, and how to help prepare so fear doesn't drive your retirement.
This week we discuss the emotional ghosts we sometimes chase with our investments. It is important to understand what the market is saying and to set investments and expectations accordingly. Mike discusses with Bruce Tynan how to conduct a "Self Stress Test" for your retirement plan.
This week, Mike Decker and his special guest, John Switzer discuss major tax traps retirees' face and how to avoid them. With the right questions and a solid plan, it is possible to save thousands of dollars each year in your retirement. Mike also discusses the ability to plan for your big bucket list trips up front in your early years in retirement while still managing your income from assets appropriately.
Drawing income correctly is paramount for a successful retirement. In today's' financial industry, there are many twists and turns that can make it difficult to determine good advise vs sales advise. This week's show dives into different tips and tricks on how to check your own plan and its stability.
This week on Retirement Radio, Mike discusses what a full retirement plan actually looks like. He points out a few flaws many make when putting together their plan. The second half of the show is dedicated to understand what risk is, how much you should take, and some techniques to minimize risk in retirement.
This week's special edition is focused on what happened in the markets in October, why "Buy and Hold" doesn't make sense, and how we made money in a down market. We also dive into what we believe a proper retirement plan looks like for a safer approach to retirement.
This week is a special edition on what happened this past week in the markets. Brian Decker, our guest, explains what happened, what you can expect going forward, and ways to help avoid market corrections, especially in retirement.
You probably have a retirement plan in place, but is it the right plan for you? This show guides you through a stress test on major pain points you can avoid if you can take the right action. This and more on Retirement Radio.
The kind of financial professional you use could make a huge difference in the advice you receive. It's not about if they are nice people or not...it's about getting the transparency you deserve. We are also addressing market cycles, how to know if you can retire, and why Mike hates the Monte Carlo simulation when it comes to investments.
Don't make the same mistakes so many make when it comes to Estate Planning. In this show, we are also discussing proper expectations for an investment portfolio, when a good time to take social security is, and more.
Brad Geddes, a pure-bred fiduciary from San Francisco, shares the secret sauce that so many people are lining up for in the bay area. In this show, we address issues many retirees face in mapping out distributions, taking too much risk, and more!
When you are in the moment, it can be difficult to see how things really are. Retirees face many investment headwinds today that they may not know. Today's show talks openly about the difficult situation retirees face while sharing solutions for a safer approach to retirement.
Don't fall in the trap of having a sales person plan your retirement. Listen this week on 10 signs your plan needs a check up by a pure-bred fiduciary, like Decker Retirement Planning.
Don't paint yourself in a corner because you didn't ask the right questions. Listen in on today's show and get the transparency you deserve.
As much as FINRA and the SEC try, suitability can be an ambiguous conversation. Learn the difference between suitability that financial professionals use to not get sued and suitability that actually helps achieve your financial goals. Also, we have a special addition of Your Market Minute featuring Brian Decker from Decker Retirement Planning.
We are all human and all have emotions that effect our decisions. When those emotions influence your investments, it may be detrimental. Learn how to hedge against the emotions that could be holding you back from bigger returns. This week also announces a fun surprise to listeners.
What worked in the '80s may not work today. Creative destruction has made a huge difference in the market. This week we are talking about pitfalls that "buy and hold" investors need to be aware of. Markets don't trend, they cycle. And we have many headwinds making it difficult to stay retired. Listen in for tips that could help protect you from those headwinds.
This week we have Bruce Tynan, a pure-bred fiduciary going through with me the top 10 retirement planning tips you should know. We spend the full hour pulling back the curtain so you can get the transparency you deserve.
This is part one of a two part series going over the top 10 retirement planning principals that pure-bred fiduciaries wished people understood when it comes to retirement planning.
There are 567 ways you can file for Social Security. Learn tips and tricks on how to file correctly. Later in the show, we focus on the big questions that should be asked before jumping into retirement.
Estate Planning is critical to any retirement plan. Save your beneficiaries from the potential disasters that can ruin people and relationships by having proper estate planning done. This show will be discussing the major pitfalls that many have experienced and how you could avoid them.
Whether you like him or not, he is making a splash in the markets you are invested in. Listen in on today's show where we talk objectively on how a trade war could have an effect your retirement. We also will be discussing market patters and predictability and risks that you can avoid.
Income annuities are often sold to near retirees as a great self made income stream. Today, we are breaking apart the complexities of these products and discussing whether or not they are right for you. We will also review current market news and discuss in detail the three stages of retirement and how to plan for them emotionally and financially.
Only a fraction of us have actually invested in cyber currencies, but many are looking to dip their toe in the water. Today, we dive into the need-to-know details of cyber currencies and if they could work in a retirement portfolio. We also discuss in detail the emotion that could hinder your ability in making smart investment choices leading up to and during retirement.
Buy and Hold has been known as a successful passive investment strategy with low fees. The question we address today is "does it still make sense to buy and hold in our current market conditions".
Fees can be detrimental to performance. The biggest problem is most people don't know where to look to find out how much they are paying in fees. Plus, many fees do not need to be disclosed by their financial professional. Learn how to find them, stop paying them, and how to focus on getting highest net-of-fee performance.
In this episode, we discuss the difference between those who are pure-bred fiduciaries and those who claim to be a fiduciary but in reality are far from it. We also discuss common retirement planning techniques that may not be the best retirement strategy given our current financial environment.