Episodios

  • Navigating the Do's and Don'ts of Retirement Planning | Episode 115

    Navigating the Do's and Don'ts of Retirement Planning | Episode 115
    Sep 19 2024
    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
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    56 m
  • Navigating the Transition from Asset Accumulation to Income Distribution | Episode 114

    Navigating the Transition from Asset Accumulation to Income Distribution | Episode 114
    Sep 14 2024
    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.
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    56 m
  • Securing Your Retirement: Navigating Market Cycles and Protecting Your Income | Episode 113

    Securing Your Retirement: Navigating Market Cycles and Protecting Your Income | Episode 113
    Aug 31 2024
    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
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    56 m
  • Dynamic Retirement Strategies: Thrive in Any Market | Episode 112

    Dynamic Retirement Strategies: Thrive in Any Market | Episode 112
    Aug 24 2024
    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.
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    56 m
  • Transforming Retirement Strategies: Beyond the 4% Rule | Episode 111

    Transforming Retirement Strategies: Beyond the 4% Rule | Episode 111
    Jul 20 2024
    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.
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    56 m
  • 3 Ways to Help You Get the Most Out of Your Retirement | Episode 110

    3 Ways to Help You Get the Most Out of Your Retirement | Episode 110
    Jul 13 2024
    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.
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    56 m
  • Understanding Fiduciaries and Tax Strategies | Episode 109

    Understanding Fiduciaries and Tax Strategies | Episode 109
    Jun 14 2024
    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 planning Key tax strategies for high net worth and average investors The importance of a comprehensive retirement plan Visit Decker Retirement Planning for more resources and to download valuable guides.
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    56 m
  • Effective Retirement Planning Strategies for Every Stage of Life | Episode 108

    Effective Retirement Planning Strategies for Every Stage of Life | Episode 108
    Jun 7 2024
    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 planning Listen now and arm yourself with expert knowledge to help build the retirement you want.
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    56 m