Retirement Radio

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.

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 trusts If 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.

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 markets How sequence of return risk can derail your income The three key ways Decker Retirement Planning reduces risk How momentum strategies protect your investments during downturns Why Roth conversions and smart tax placement can save you six figures in retirement taxes Whether 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.

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.

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.

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

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.

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 legacy Gain valuable insights to build a retirement strategy that helps ensure financial security and peace of mind.

Is the government taking away your Social Security benefits?

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 strategies Momentum investing to identify top-performing sectors Principal-guaranteed accounts for steady income and lower risk Roth conversions, charitable trusts, and other advanced tax planning tactics Long-term portfolio optimization for secure retirement income Listen 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.

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.

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.

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 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 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.

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.

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 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.

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.

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.

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 help 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/