Épisodes

  • Year-End Tax & Estate Planning: Loss Harvesting, Roth Conversions, Trust Basics | Episode 143

    Year-End Tax & Estate Planning: Loss Harvesting, Roth Conversions, Trust Basics | Episode 143
    Dec 13 2025
    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 incorrectly What happens when highly appreciated stocks or real estate are sold without a plan Ways retirees get caught off guard by one-time income spikes that push them into higher tax brackets Why some company retirement plans can create avoidable tax exposure when large positions are involved How timing decisions today can dramatically affect lifetime taxes and what passes to heirs Common estate planning oversights that lead to family tension, delays, or unnecessary costs Why many people think they have a plan—until a tax event or health issue proves otherwise If 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.
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    56 min
  • Why Accumulation Strategies Fail in Retirement — And What to Do Instead | Episode 142

    Why Accumulation Strategies Fail in Retirement — And What to Do Instead | Episode 142
    Dec 6 2025
    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 years How drawing income from fluctuating accounts accelerates losses and compromises long-term results Why bond funds haven’t acted as “safe money” in today’s rate environment—and the interest-rate risk most retirees overlook What makes the 4% rule unreliable in flat or volatile market cycles How momentum strategies and dividend sleeves fit into a modern risk-reduction plan Why your asset mix should flip at retirement—with only 25–35% of assets exposed to market risk How a laddered, principal-guaranteed income plan provides stability, clarity, and true distribution discipline You’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.
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    56 min
  • How Much Income Can You Really Take in Retirement? | Episode 141

    How Much Income Can You Really Take in Retirement? | Episode 141
    Nov 22 2025
    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 uncertainty The potential risks of drawing income from fluctuating accounts, especially during down markets How laddered principal-guaranteed accounts can help provide stability in income planning Why the traditional 4% rule may fall short during flat or volatile market cycles How pensions, Social Security timing, and rental income can be analyzed mathematically How inflation considerations (COLAs, real estate, conservative return assumptions, and the risk bucket) may be incorporated into a retirement income plan What retirees can do when markets drop, and how planning in advance helps reduce the impact This 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 visit DeckerRetirementPlanning.com
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    56 min
  • Why Accumulation Strategies Fail in Retirement | Episode 140

    Why Accumulation Strategies Fail in Retirement | Episode 140
    Sep 27 2025
    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 plans The danger of using the 4% rule without accounting for sequence of returns risk How a distribution-first strategy helps ensure reliable income—even in volatile or flat markets Why Decker Retirement Planning uses laddered principal-guaranteed accounts instead of bond funds How momentum and dividend strategies provide growth potential in flat or declining markets Real tax strategies to reduce future liabilities, enhance Roth conversion efficiency, and preserve more of your wealth You’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
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    56 min
  • Five Ways to Help Guard Your Retirement Against Inflation | Episode 139

    Five Ways to Help Guard Your Retirement Against Inflation | Episode 139
    Sep 19 2025
    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 planning How traditional bond funds are vulnerable in a rising rate world What “real returns” mean—and why they matter more than nominal performance How Decker’s Two-Sided Model uses momentum and stop-loss rules to reduce risk in volatile or flat markets If 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
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    56 min
  • Planning for Surviving Spouses: Estate Documents, Income Shifts, and Avoiding Costly Mistakes | Episode 138

    Planning for Surviving Spouses: Estate Documents, Income Shifts, and Avoiding Costly Mistakes | Episode 138
    Aug 30 2025
    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 transition Planning 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.
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    56 min
  • Smarter Cash: Liquidity, Yield & Lower Volatility | Episode 137

    Smarter Cash: Liquidity, Yield & Lower Volatility | Episode 137
    Aug 22 2025
    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 learn Why falling rates can punish “safe” cash—and what to do about it How 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 bad Where AI already fits: principal-guaranteed index designs and trade-timing in momentum strategies Six keys to a resilient retirement plan (taxes, risk control, income optimization, fees, and more) Call us: 833-707-3030 More resources: DeckerRetirementPlanning.com → Safer Retirement Education (free downloads)
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    56 min
  • Sequence of Risk: Why Retirement Timing Can Make or Break Your Future | Episode 136

    Sequence of Risk: Why Retirement Timing Can Make or Break Your Future | Episode 136
    Jul 26 2025
    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 environment How drawing from laddered principal-guaranteed accounts can help stabilize income What Monte Carlo simulations get wrong—and how to avoid becoming a statistic Strategic updates from the new One Big Beautiful Bill (OBBB), including major tax credits for retirees Don'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.
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    56 min