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Safer Retirement Radio

Safer Retirement Radio

著者： Brian Decker - Owner and Founder - Decker Retirement Planning
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 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. Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP®️ certification mark, the CERTIFIED FINANCIAL PLANNER™️ certification mark, and the CFP®️ certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.All rights reserved 経済学
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  • 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
    2025/12/13
    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 分
  • 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
    2025/12/06
    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 分
  • How Much Income Can You Really Take in Retirement? | Episode 141

    How Much Income Can You Really Take in Retirement? | Episode 141
    2025/11/22
    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 分
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