Retirement Radio

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 tru