Brian Decker - Owner and Founder - Decker Retirement Planning
115 episodes
3 weeks ago
Year-end is one of the few windows where decisions—or inaction—can materially affect how much of your money you actually keep in retirement. In this episode, Brian Decker and Marc Knauss, CFP(R) discuss the real-world tax and estate challenges retirees and near-retirees face as the calendar closes—and why waiting can quietly cost you.
In this conversation, you’ll hear about:
How reallocating risk late in life can trigger unexpected tax bills if handled incorrectly
What happens when highly appreciated stocks or real estate are sold without a plan
Ways retirees get caught off guard by one-time income spikes that push them into higher tax brackets
Why some company retirement plans can create avoidable tax exposure when large positions are involved
How timing decisions today can dramatically affect lifetime taxes and what passes to heirs
Common estate planning oversights that lead to family tension, delays, or unnecessary costs
Why many people think they have a plan—until a tax event or health issue proves otherwise
If you’re within 5–10 years of retirement, or already retired, this episode will help you think differently about taxes, income, and legacy—before year-end decisions are locked in.
Learn more at DeckerRetirementPlanning.com or call 833-707-3030.
This content is for informational purposes only and is not individualized investment, tax, or legal advice. Investing involves risk, including loss of principal. Consult a qualified professional regarding your specific situation.
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Year-end is one of the few windows where decisions—or inaction—can materially affect how much of your money you actually keep in retirement. In this episode, Brian Decker and Marc Knauss, CFP(R) discuss the real-world tax and estate challenges retirees and near-retirees face as the calendar closes—and why waiting can quietly cost you.
In this conversation, you’ll hear about:
How reallocating risk late in life can trigger unexpected tax bills if handled incorrectly
What happens when highly appreciated stocks or real estate are sold without a plan
Ways retirees get caught off guard by one-time income spikes that push them into higher tax brackets
Why some company retirement plans can create avoidable tax exposure when large positions are involved
How timing decisions today can dramatically affect lifetime taxes and what passes to heirs
Common estate planning oversights that lead to family tension, delays, or unnecessary costs
Why many people think they have a plan—until a tax event or health issue proves otherwise
If you’re within 5–10 years of retirement, or already retired, this episode will help you think differently about taxes, income, and legacy—before year-end decisions are locked in.
Learn more at DeckerRetirementPlanning.com or call 833-707-3030.
This content is for informational purposes only and is not individualized investment, tax, or legal advice. Investing involves risk, including loss of principal. Consult a qualified professional regarding your specific situation.
Advanced Estate Planning Strategies to Protect Your Legacy | Episode 133
Safer Retirement Radio
55 minutes 58 seconds
6 months ago
Advanced Estate Planning Strategies to Protect Your Legacy | Episode 133
In Episode 133 of Safer Retirement Radio, Brian J. Decker and Marc Knauss, CFP(R) explore a suite of advanced estate planning strategies designed to help you protect, preserve, and pass on your wealth efficiently:
State & Federal Estate Tax Planning: Using AB trusts, portability, and lifetime gifting exemptions to minimize state and federal estate taxes.
Irrevocable Life Insurance Trusts (ILITs): Prepay potential tax liabilities and avoid fire-sale scenarios by holding life insurance outside your taxable estate.
Qualified Personal Residence Trusts (QPRTs): Shift your home’s value outside your estate over time while retaining the right to live there.
Grantor Retained Annuity Trusts (GRATs): Freeze today’s value on highly appreciated assets and transfer future growth to the next generation.
Dynasty Trusts & Generation-Skipping Transfer: Sidestep the 48% generation-skipping tax and incent responsible behavior across multiple generations.
QDROs & Intra-Family Loans: Leverage qualified domestic relations orders and structured loans for tax-efficient wealth transfers.
Up-Gifting Techniques: Use step-up in basis by gifting appreciated assets “up” the generational line.
Roth IRA Conversions: Compare tax-deferred vs. tax-free growth scenarios and unlock one of the most powerful strategies to reduce lifetime taxes.
📥 Download Free Safer Retirement Education Tools (checklists, the Decker Approach book, Social Security guides, and more):
https://deckerretirementplanning.com
📞 Schedule a No-Cost Review with Brian and the team at Decker Retirement Planning:
833-707-3030
Disclosure: Investment advisory and insurance services offered through Decker Retirement Planning, Inc., a registered investment advisor. Investing involves risk, including the potential loss of principal. Always consult a qualified tax advisor before implementing estate planning or tax strategies.
Safer Retirement Radio
Year-end is one of the few windows where decisions—or inaction—can materially affect how much of your money you actually keep in retirement. In this episode, Brian Decker and Marc Knauss, CFP(R) discuss the real-world tax and estate challenges retirees and near-retirees face as the calendar closes—and why waiting can quietly cost you.
In this conversation, you’ll hear about:
How reallocating risk late in life can trigger unexpected tax bills if handled incorrectly
What happens when highly appreciated stocks or real estate are sold without a plan
Ways retirees get caught off guard by one-time income spikes that push them into higher tax brackets
Why some company retirement plans can create avoidable tax exposure when large positions are involved
How timing decisions today can dramatically affect lifetime taxes and what passes to heirs
Common estate planning oversights that lead to family tension, delays, or unnecessary costs
Why many people think they have a plan—until a tax event or health issue proves otherwise
If you’re within 5–10 years of retirement, or already retired, this episode will help you think differently about taxes, income, and legacy—before year-end decisions are locked in.
Learn more at DeckerRetirementPlanning.com or call 833-707-3030.
This content is for informational purposes only and is not individualized investment, tax, or legal advice. Investing involves risk, including loss of principal. Consult a qualified professional regarding your specific situation.
