Episodes

  • Risk Reduction in Retirement: Why the 4% Rule Fails and What to Do Instead | Episode 131

    Risk Reduction in Retirement: Why the 4% Rule Fails and What to Do Instead | Episode 131
    May 30 2025
    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. 👉 Learn more or schedule your free visit: https://deckerretirementplanning.com 📞 Call today: 833-707-3030
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    56 mins
  • The Roth Conversion Myth: Why Delaying Could Cost You Millions | Episode 130

    The Roth Conversion Myth: Why Delaying Could Cost You Millions | Episode 130
    May 16 2025
    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.
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    56 mins
  • A Safer Alternative to the 4% Rule: Income for Retirement | Episode 129

    A Safer Alternative to the 4% Rule: Income for Retirement | Episode 129
    May 9 2025
    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 They explain how flat or volatile markets can quickly derail portfolios relying on this outdated approach and introduce laddered principal-guaranteed accounts as a safer, more reliable alternative.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.
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    56 mins
  • Is Your Retirement Ready for Market Volatility? | Episode 128

    Is Your Retirement Ready for Market Volatility? | Episode 128
    May 2 2025
    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.
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    56 mins
  • Unlocking Tax-Smart Strategies for a Safer Retirement | Episode 127

    Unlocking Tax-Smart Strategies for a Safer Retirement | Episode 127
    Mar 27 2025
    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/
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    56 mins
  • What Does the S&P 500’s Recent Move Mean for Your Retirement? | Episode 126

    What Does the S&P 500’s Recent Move Mean for Your Retirement? | Episode 126
    Mar 14 2025
    🎙️ 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 Guidance Call 833-707-3030 for a complimentary consultation with one of our expert advisors. 🔊 Listen now and take control of your retirement future!
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    56 mins
  • How to Protect Your Retirement in an Uncertain World | Episode 124

    How to Protect Your Retirement in an Uncertain World | Episode 124
    Feb 15 2025
    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!
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    56 mins
  • Six Pillars of a Safer Retirement | Episode 125

    Six Pillars of a Safer Retirement | Episode 125
    Feb 13 2025
    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. 🎧 Tune in now!
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    56 mins
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