Transforming Retirement Strategies: Beyond the 4% Rule | Episode 111

Safer Retirement Radio

Welcome to Episode 111 of Safer Retirement Radio! Join Brian Decker and guest planner Brad Geddes from Decker Retirement Planning as they delve into effective strategies for a successful retirement transition. In this episode, we cover: Retirement Transition and Investment Strategies: Why strategies that worked during the accumulation phase may not be effective in the distribution phase. Income Planning: The importance of income planning over relying on bond funds, and how principal-protected investments can secure your retirement. Rethinking Retirement Rules: A critical look at the 4% rule and the rule of 100, with insights on more flexible and individualized approaches. De-Risking Retirement Portfolios: How to use laddered principal guaranteed maturities and risk buckets to reduce risk and enhance income stability. Comprehensive Retirement Planning: The benefits of a holistic plan that includes tax planning, risk management, and income optimization to ensure a comfortable lifestyle. Maximizing Income: Tips on avoiding underspending and making the most of your income streams, including social security, pensions, rental income, and more. Roth Conversions and Tax Efficiency: How Roth conversions can provide tax-free growth and lower future tax rates. Take action: Schedule a free consultation with Decker Retirement Planning at 833-707-3030. Visit https://deckerretirementplanning.com/ for more information on upcoming events, downloads, and our team. Listen now to learn how you can secure a financially stress-free and engaging retirement with expert advice and personalized planning from Decker Retirement Planning.