Episodes

  • Post-Election Retirement and Year-End Planning Strategies | Episode 119

    Post-Election Retirement and Year-End Planning Strategies | Episode 119
    Nov 16 2024
    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.
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    56 mins
  • Safeguarding Your Nest Egg: Essential Steps for a Safer Retirement | Episode 118

    Safeguarding Your Nest Egg: Essential Steps for a Safer Retirement | Episode 118
    Nov 9 2024
    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.
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    56 mins
  • Building a Resilient Retirement Plan Amid Market Volatility and Rising Rates | Episode 116

    Building a Resilient Retirement Plan Amid Market Volatility and Rising Rates | Episode 116
    Nov 2 2024
    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. 👉 To-Do List: Review your portfolio for bond fund exposure and explore safer alternatives. Download the revised Decker Approach book for essential retirement updates. Schedule a no-cost consultation with Decker Retirement Planning at 833-707-3030 to discuss a customized retirement strategy. Listen now to get actionable insights for a safer, more stable retirement!
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    56 mins
  • 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 mins
  • 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 mins
  • 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 mins
  • 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 mins