Retirement Radio

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.deckerretir

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/

Brian Decker is the owner and founder of Decker Retirement Planning and has over 35 years of experience in the industry. On this episode of Safer Retirement Radio, he's talking about the Federal Reserve. You'll hear about what the Fed has done recently and what they're signaling they will do throughout the rest of the year. He also talks about how this might affect retirees and the markets.

Is your retirement plan ready for something unexpected? Like market volatility, a changing tax landscape, fluctuating costs, or the unexpected passing of a spouse. Bradley Geddes, CFP(R) joins Brian on this week's episode to discuss the stress test we help our clients go through. For anyone considering the next step with retirement planning, this episode is a must-listen. You'll hear about our retirement planning stress test. For more information, go to https://www.deckerretirementplanning.com

What has the fed done recently and what are they signaling they will do throughout the year? What timeframe does that give the market and the economy? What are the potential problems for retirees with that? How do our plans/services solve that problem for our clients? Listen in to hear answers to these and more!

Our Renton, WA-based senior planner, Neil Fenning, joins Brian on this week's show. They talk through estate planning from a financial planner's point of view.

Arrin Wray, our Salt Lake City, and Lehi Utah planner joins Brian on this episode of Safer Retirement Radio. You'll hear them recap 2022 and what contributed to the markets doing so poorly. They also give an outlook for 2023. They talk about current risks to retirees and what can be done to help, and how our plans can address those risks.

The owner and founder of Decker Retirement Planning is joined by Bradley Geddes, CFP® on this week's show to discuss the unusual times we are in with stocks and bonds. It's only happened a few times, but so far this year, both are down. Listen in to learn about how retirees can build a retirement income plan to help protect them from volatility in the equity and bond markets.

Bradley Geddes, CFP(R) joins Brian on this show this week. This episode is about volatility, rising interest rates, and what retirees can do about it.

Neil Fenning, our Renton, WA-based advisor, joins Brian on the show this week to discuss the Fed and its recent statements. You'll hear about what it can mean for the Markets and us. The Fed's Powell said he wanted to see "pain"; this episode will help give you an idea of what that can mean for retirees and their financial plans.

On this episode, Brian is joined by Bradley Geddes, CFP(R). Bradley helps our clients nationwide, but is based in the California Bay Area. Their conversation focuses on 6 keys to a retirement plan. Brian and Bradley start by talking about the basics, which is to have a plan! While that might sound simple, it's surprising how many retirees don't have a plan. You'll hear about how we define what a retirement plan is. They also discuss tax minimization strategies, risk reduction, portfolio optimization, income optimization, and fee minimization. And one of the biggest things that separates us from other advisors is how we mesh all of these points together in our planning process. Tune in to this week's episode to hear more about it. If you want more information or want to get a hold of us to see how your retirement could potentially be improved by our approach we call A Safer Retirement(TM), visit our website at https://www.deckerretirementplanning.com

There are some aspects to retirement planning you really need to think about. At Decker Retirement Planning, we use an approach we call A Safer Retirement(TM). It's a strategy that looks at retirement income planning, investments, tax minimization, healthcare needs, legacy planning, and estate planning. We are not attorney's, but we are fiduciaries and want to point out common problems facing retirees and their estate and legacy planning. Listen to this week's episode, to hear about how we help our clients solve their retirement planning problems. For more information go to https://www.deckerretirementplanning.com

Russia defaulted on their debt, how can this affect a portfolio? This week Brian discusses the risks associated with emerging markets; and how you can properly diversify your portfolio. You'll also hear about strategies that can make money in both up and down markets. Listen in to hear more about retirement planning and what we do at Decker Retirement Planning to help our clients enjoy A Safer Retirement™. For more information go to https://www.deckerretirementplanning.com