Safer Retirement Radio Podcast Por Brian Decker - Owner and Founder - Decker Retirement Planning arte de portada

Safer Retirement Radio

Safer Retirement Radio

De: Brian Decker - Owner and Founder - Decker Retirement Planning
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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.All rights reserved Economía
Episodios
  • What Your Tax Return Reveals About Your Retirement Plan | Episode 150

    What Your Tax Return Reveals About Your Retirement Plan | Episode 150
    Apr 10 2026
    Most people file their taxes and move on. But if that's all you're doing, you're leaving serious money on the table — and walking into retirement blind. In this episode of Safer Retirement Radio, Brad Geddes, CFP(R) of Decker Retirement Planning breaks down why your tax return is one of the most powerful forward-looking planning tools you have — and how to actually use it. Here's what we cover: The difference between effective tax rate and marginal tax rate — and why most people don't know their real number (hint: if you can't answer it quickly, you're flying blind in retirement). The IRA tax time bomb — why deferring, deferring, deferring into your 70s could force you into a higher tax bracket right when you can least afford it. Roth conversion strategy — who should be doing them, when to start, and why waiting too long is one of the most common (and costly) mistakes we see. Social Security taxation — yes, up to 85% of your benefit can be taxed. The thresholds haven't changed since 1983 and 1993. We'll show you how to plan around them. IRMAA surcharges — the Medicare premium trap that blindsides retirees who had a high-income year two years prior. Tax planning vs. tax preparation — your CPA is a tax historian. What you need going into retirement is a tax strategist. The bottom line: retirement is the first time in your life you actually get to decide what tax bracket you live in. The question is — are you taking advantage of it? If your tax return didn't lead to a conversation about the taxes you'll pay in the future, you're doing it wrong. Call 833-707-3030 for a no-cost, no-obligation conversation with the Decker Retirement Planning team. Download Brian's book, The Decker Approach, and other free retirement resources at DeckerRetirementPlanning.com under Safer Retirement Education. Investment advisory and insurance services offered through Decker Retirement Planning Inc., a registered investment advisor. Investing involves risk, including the potential loss of principal.
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    56 m
  • Healthcare in Retirement: What Medicare Won't Cover (And How to Plan for It) | Episode 149

    Healthcare in Retirement: What Medicare Won't Cover (And How to Plan for It) | Episode 149
    Mar 21 2026
    Most people spend decades planning for retirement income — but healthcare? That's the expense that can quietly derail even the best-laid plan. In this episode of Safer Retirement Radio, Brad Geddes, CFP® breaks down the three healthcare phases every retiree faces: Phase 1 — The Gap Years (Before Medicare) If you want to retire before 65, healthcare costs don't have to stop you. Brad explains why he's never had a client delay retirement solely because of pre-Medicare insurance costs — and how a straightforward budgeting exercise can make early retirement more attainable than you think. Phase 2 — Medicare Reality Check Medicare helps, but it doesn't cover everything. Dental. Vision. Hearing aids. Supplemental premiums. Fidelity estimates the average healthy 65-year-old couple will spend over $315,000 out-of-pocket on healthcare in retirement — and that number doesn't include long-term care. Ten years ago it was $225,000. Do the math on where it's headed. Phase 3 — Long-Term Care This is the planning conversation most people avoid — and can least afford to. Brad explains the self-insuring strategy, asset-backed long-term care policies, and why the real purpose of long-term care coverage is often protecting the surviving spouse, not just paying the bills. You've worked too hard to have an unexpected healthcare expense blow up your retirement. The answer isn't fear — it's a plan. 📞 Ready to build yours? Call us at 833-707-3030 or visit DeckerRetirementPlanning.com Download Brian's book The Decker Approach and 11 other free retirement resources at DeckerRetirementPlanning.com under Safer Retirement Education.
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    56 m
  • How to Build Reliable Retirement Income (Without the “Pie Chart” Guesswork) | Episode 148

    How to Build Reliable Retirement Income (Without the “Pie Chart” Guesswork) | Episode 148
    Feb 28 2026
    If you’re nearing retirement, the biggest question is simple: Where will your paycheck come from—and how long will it last? In this episode of Safer Retirement Radio, Bradley Geddes, CFP(R) breaks down practical retirement income tools—and why many retirees don’t realize the weaknesses of the “pie chart” approach until a market downturn hits. You’ll learn: How an income plan differs from a 401(k) or IRA (tools vs. a plan) The difference between bond ladders/CD ladders and bond funds Why interest rates and bond values move in opposite directions—and why that matters for retirement income How using multiple income sources can help reduce market volatility risk Why Decker Retirement Planning's approach focuses on time horizons and avoiding “drawing from a fluctuating account” Want more retirement education resources? Visit DeckerRetirementPlanning.com and look for A Safer Retirement Education. To schedule a complimentary visit with the team: 833-707-3030 Investment advisory and insurance services offered through Decker Retirement Planning, Inc., a registered investment advisor. Investing involves risk, including the potential loss of principal. This content is for informational purposes only and is not individualized investment, tax, or legal advice.
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    56 m
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