Safer Retirement Radio Playlist

In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray challenge one of the most commonly used retirement strategies: the 4% rule. They explain how flat or volatile markets can quickly derail portfolios relying on this outdated approach and introduce laddered principal-guaranteed accounts as a safer, more reliable alternative. The duo also unpacks the risks of dividend chasing and indexing in today’s market environment and highlights the need for a mathematically sound, risk-conscious income plan.

If you’re nearing retirement or recently retired, this episode is a must-listen to help protect your nest egg and find how to plan on consistent income, regardless of market swings.

🔗 Learn more at https://deckerretirementplanning.com/

📞 Call 833-707-3030 for your complimentary retirement assessment.

A Safer Alternative to the 4% Rule: Income for Retirement | Episode 129

Think you'll be in a lower tax bracket when you retire? Think again. In this episode of Safer Retirement Radio, Brian Decker and Brad Geddes, CFP(R) dismantle the myth and walk you through real-life tax planning strategies that can help you save hundreds of thousands—or even millions—in retirement taxes. From strategic Roth conversions to dynasty trusts, donor-advised funds, real estate tax planning, and more, this is a masterclass in building a smarter, safer financial future.
🎯 Learn how proactive planning today can help protect your income tomorrow and preserve more wealth for your heirs.



The Roth Conversion Myth: Why Delaying Could Cost You Millions | Episode 130

In this episode of Safer Retirement Radio, Brian Decker and Marc Knauss, CFP(R) break down the myths and mistakes of traditional retirement strategies—and show you what to do instead.

You’ll learn:

Why the 4% rule often fails in flat or volatile markets

How sequence of return risk can derail your income

The three key ways Decker Retirement Planning reduces risk

How momentum strategies protect your investments during downturns

Why Roth conversions and smart tax placement can save you six figures in retirement taxes

Whether you’re already retired or planning to retire in the next 5–10 years, this episode gives you actionable insights to protect your nest egg and retire with confidence.

👉 Learn more or schedule your free visit: https://deckerretirementplanning.com
📞 Call today: 833-707-3030



Risk Reduction in Retirement: Why the 4% Rule Fails and What to Do Instead | Episode 131

Is the 4% rule still safe in a flat or volatile market? In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray explain why traditional income strategies—like the 4% rule or “living off the interest”—may no longer work in today’s retirement landscape.

You’ll learn:
✅ How to build a laddered income plan using principal-guaranteed accounts
✅ The critical mistakes retirees make when taking Social Security
✅ Why Roth conversions may save hundreds of thousands in taxes
✅ How Decker Retirement Planning helps reduce fees and improve income consistency
✅ What smart legacy planning looks like with donor-advised funds and dynasty trusts

If you're preparing for retirement—or already retired—this episode is packed with insights to help you navigate income, taxes, and risk with greater confidence.

📞 Schedule a free strategy session at 833-707-3030 or visit DeckerRetirementPlanning.com

Why the 4% Rule Could Be a Risky Move in Today’s Market | Episode 132

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.

Advanced Estate Planning Strategies to Protect Your Legacy | Episode 133

Safer Retirement Radio is where you can get the transparency you deserve®. Whether you are currently retired or plan to retire soon, this show is full of retirement tips that can help you get thousands of extra dollars in and out of your retirement.



Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP®️ certification mark, the CERTIFIED FINANCIAL PLANNER™️ certification mark, and the CFP®️ certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.