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
Sequence of Risk: Why Retirement Timing Can Make or Break Your Future | Episode 136
Safer Retirement Radio
55 minutes 57 seconds
3 months ago
Sequence of Risk: Why Retirement Timing Can Make or Break Your Future | Episode 136
In this week’s episode of Safer Retirement Radio, Brian Decker and Bradley Geddes, CFP(R) break down one of the most overlooked threats to retirement success—sequence of returns risk. What happens if you retire right before a market downturn? What if your portfolio strategy doesn’t account for market flatness or volatility?
You’ll learn:
Why traditional 60/40 portfolios fall short in today’s environment
How drawing from laddered principal-guaranteed accounts can help stabilize income
What Monte Carlo simulations get wrong—and how to avoid becoming a statistic
Strategic updates from the new One Big Beautiful Bill (OBBB), including major tax credits for retirees
Don't let bad timing derail decades of hard work. Tune in to hear how a math-based distribution plan can help you retire with confidence—regardless of what the market does next.
🎧 Listen now and take control of your retirement strategy.
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
