Decker Retirement Planning

Our mission is to mathematically show everyone who walks through our doors how they can enjoy A Safer Retirement®

[Decker Retirement Planning @deckerretire]

New FAFSA rule - grandparent 529 distributions are no longer counted as student income. That makes grandparent-owned 529s far more viable.

Schedule a 30-min complimentary call: https://t.co/zzYHytNaYD

[Decker Retirement Planning @deckerretire]

Job growth is low yet unemployment hasn’t moved.

Three reasons in this reel: retiring boomers, lower birth rates, and millions fewer people in the population.

Want to discuss implications for your retirement? Schedule a 30-minute complimentary call: https://t.co/zzYHytNaYD

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Want help evaluating this for your family? Book a 30-minute complimentary call: https://t.co/zzYHytNaYD

[Decker Retirement Planning @deckerretire]

Big update from Secure Act 2.0: you can now roll unused 529 funds into a Roth IRA for the same beneficiary tax-free. Here is what matters. 1/6

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The Roth must belong to the beneficiary. You cannot roll into a parent or grandparent Roth. 5/6

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Most people name a spouse, then a child, as their Power of Attorney.

But what if none of your kids are the right fit?

Arrin Wray covers your options, including professional fiduciaries, on the latest Safer Retirement Radio.

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College tuition today vs. when you went? The gap is staggering.

Arrin Wray breaks down 529 plans and other education savings accounts on the latest Safer Retirement Radio.

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RED FLAGS:
guaranteed rates that mislead, lifetime and variable annuities that lock up funds, hidden C-share fees, and advisors who are not transparent.

Keep 40% liquidity and insist on a written plan.

[Decker Retirement Planning @deckerretire]

"What if I get Alzheimer's someday — who would I trust with my finances and legal matters?"

It's the question most people avoid.

Arrin Wray & Brian J. Decker tackle it on the latest Safer Retirement Radio.

[Decker Retirement Planning @deckerretire]

Monthly statement checklist:

1) Beginning vs ending balance
2) Month and YTD returns vs an index
3) Allocation pie and top 5 holdings
4) Income and fees
5) Tax documents

Need help interpreting yours? Schedule a 30-min complimentary call: https://t.co/zzYHytNaYD

[Decker Retirement Planning @deckerretire]

Private credit saw a spike in redemptions in Q1 2026 due to sector concentration and suitability issues.

Banks’ exposure is small ($540B vs $94T) and mainly first-lien senior secured loans.

Bigger worry: commercial real estate.

[Decker Retirement Planning @deckerretire]

3 reasons we are using momentum in your risk bucket:

1) Valuation history points to long flat market cycles,
2) the Iran conflict is shifting leadership to energy,
3) we can switch offense and defense around the 200-day moving average.

Review your plan: https://t.co/zzYHytNaYD

[Decker Retirement Planning @deckerretire]

The rules that got you to retirement will not keep you there.

Brian Decker explains a laddered principal guaranteed income approach that covers the first 20 years and gives risk assets time to grow.

[Decker Retirement Planning @deckerretire]

Annuities can help or hurt your retirement. Know the difference.

We avoid variable annuities and most income riders. We use select equity-indexed annuities with AI-enhanced indexes because they are principal guaranteed, allow up to 10%/yr withdrawals, and often out-earn CDs.

[Decker Retirement Planning @deckerretire]

Three ways I use Claude AI today: email triage, a 24-hour X summary, and a household CFO that finds subscriptions to cancel. Small efficiencies, big peace of mind.

Schedule a 30-minute complimentary call: https://t.co/zzYHytNaYD

[Decker Retirement Planning @deckerretire]

Multiple 401ks? IRAs at different banks? That’s a "paperwork nightmare" waiting to happen for your spouse. 

Learn why consolidation is the key to a smoother transition.

Full clip: https://t.co/z1sAkSuY2W
Call: 855-425-4566 (Complimentary)

[Decker Retirement Planning @deckerretire]

Social Security survivor benefits have their own rules.

The first priority? Proper notification. Learn how to navigate this phase of life with confidence.

Listen here: https://t.co/z1sAkSuY2W

Consultation: 855-425-4566 (No-cost)