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