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
All content for Safer Retirement Radio is the property of Brian Decker - Owner and Founder - Decker Retirement Planning and is served directly from their servers
with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.
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
Join Brian J. Decker and Marc Knauss, CFP(R) on this week’s episode of Safer Retirement Radio as they uncover why your traditional IRA might be a tax “loan” to the IRS—and how smart Roth conversion planning can turn the tables in your favor. From real-world illustrations of IRA tax bills topping $1.4 million to step-by-step guidance on:
IRA Inefficiency: How deferral becomes a hefty tax liability for you —and your heirs
Roth Conversions: Why paying taxes now can yield tax-free growth and a far larger legacy
Medicare IRMAA: How distributions affect your Medicare premiums (and how to avoid spikes)
Advanced Strategies: QDRO “happy divorces,” donor-advised funds, dynasty trusts, cost-segregation for real estate, and more
Whether you’re retired or close to retirement, the right tax plan can boost your retirement income, protect against future rate hikes, and maximize what you pass on. Tune in and discover:
Real numbers: $1 million IRA → $1.4 million paid to the IRS vs. $319 000 with a Roth plan
When and how to convert for maximum impact
Estate-planning moves to shelter assets from both income and estate taxes
🔗 Resources & Links:
• Download “The Decker Approach to Retirement Planning”: https://deckerretirementplanning.com/
• Safer Retirement Education: https://deckerretirementplanning.com/education
• Schedule a no-cost tax analysis: 833-707-3030
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
