Brian Decker - Owner and Founder - Decker Retirement Planning
112 episodes
3 weeks ago
In Episode 140 of Safer Retirement Radio, Brian Decker and Arrin Wray reveal the critical distinction between accumulation and distribution strategies—and why using the same approach in both phases of life can be financially devastating in retirement.
They unpack:
Why traditional pie chart portfolios are not retirement plans
The danger of using the 4% rule without accounting for sequence of returns risk
How a distribution-first strategy helps ensure reliable income—even in volatile or flat markets
Why Decker Retirement Planning uses laddered principal-guaranteed accounts instead of bond funds
How momentum and dividend strategies provide growth potential in flat or declining markets
Real tax strategies to reduce future liabilities, enhance Roth conversion efficiency, and preserve more of your wealth
You’ll also learn how Decker’s math-based planning integrates real returns, tax minimization, and fee transparency to help you retire with clarity—not guesswork.
📞 Have questions about your own retirement income plan? Call 833-707-3030 or visit
👉 DeckerRetirementPlanning.com
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In Episode 140 of Safer Retirement Radio, Brian Decker and Arrin Wray reveal the critical distinction between accumulation and distribution strategies—and why using the same approach in both phases of life can be financially devastating in retirement.
They unpack:
Why traditional pie chart portfolios are not retirement plans
The danger of using the 4% rule without accounting for sequence of returns risk
How a distribution-first strategy helps ensure reliable income—even in volatile or flat markets
Why Decker Retirement Planning uses laddered principal-guaranteed accounts instead of bond funds
How momentum and dividend strategies provide growth potential in flat or declining markets
Real tax strategies to reduce future liabilities, enhance Roth conversion efficiency, and preserve more of your wealth
You’ll also learn how Decker’s math-based planning integrates real returns, tax minimization, and fee transparency to help you retire with clarity—not guesswork.
📞 Have questions about your own retirement income plan? Call 833-707-3030 or visit
👉 DeckerRetirementPlanning.com
How to Protect Your Retirement in an Uncertain World | Episode 124
Safer Retirement Radio
55 minutes 58 seconds
8 months ago
How to Protect Your Retirement in an Uncertain World | Episode 124
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!
Safer Retirement Radio
In Episode 140 of Safer Retirement Radio, Brian Decker and Arrin Wray reveal the critical distinction between accumulation and distribution strategies—and why using the same approach in both phases of life can be financially devastating in retirement.
They unpack:
Why traditional pie chart portfolios are not retirement plans
The danger of using the 4% rule without accounting for sequence of returns risk
How a distribution-first strategy helps ensure reliable income—even in volatile or flat markets
Why Decker Retirement Planning uses laddered principal-guaranteed accounts instead of bond funds
How momentum and dividend strategies provide growth potential in flat or declining markets
Real tax strategies to reduce future liabilities, enhance Roth conversion efficiency, and preserve more of your wealth
You’ll also learn how Decker’s math-based planning integrates real returns, tax minimization, and fee transparency to help you retire with clarity—not guesswork.
📞 Have questions about your own retirement income plan? Call 833-707-3030 or visit
👉 DeckerRetirementPlanning.com
