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.
Sequence of Risk: Why Retirement Timing Can Make or Break Your Future | Episode 136
Safer Retirement Radio
55 minutes 57 seconds
5 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
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.
