How Bankers And Brokers Can Hurt You

Protect yourself from the lack of training and resources that banks and brokers can provide.

See How

Wondering Why You Should Work With A Fiduciary?

Protect yourself from the lack of training and resources that banks and brokers can provide.

See Why

Putting Your Retirement Plan On Track.

Decker Retirement Planning Inc. was founded on the idea that common sense financial planning and money management solutions exist, especially when it comes to retirement planning. The company was born to guide people through the minefield of the financial services industry.

Let us show you how we can help protect your retirement by scheduling a personal visit with one of our licensed fiduciary planners trained in The Decker Approach.

Schedule a visit

We have a seminar that is centered around protecting your retirement. RSVP by calling us today or view our calendar to find the best day for you.

Attend A Seminar

We have an archive full of articles for you to read. We hope our articles and other publications will help you in your preparations for retirement.

Read Our Articles

Six Parts To A Solid Financial Plan.

Why Work With A Fiduciary?

If you are not working with a fiduciary, you are working with a salesperson who is not required to put your interests first. They will most likely recommend assets that give them a high commission such as non-trade REITs and variable annuities. We have had a significant number of clients that had very risky investments and had no idea that the investments were even remotely risky. Don’t put your future in the hands of someone who may have a significant conflict of interest.

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Income

We answer the two most important questions asked in retirement: can I retire, and if so, how much money can I draw so that I don’t run out of money in retirement before I die?  

 

We are distribution planners and we use math to help you answer both of these very important questions.

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Tax Minimization 

We will be reviewing ways to lower the taxes you pay on lines 8 and 9 of your Form 1040. We will also mathematically calculate the amount of IRA funds that should be converted to Roth, and try to eliminate the estate transfer tax.

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Asset Protection

We want to help make sure the assets that you have taken a lifetime to accumulate are now protected. We will ask you about liability protection and review your car, home, and life insurance coverage. Finally, we will review all of your long-term care options, including self financing, to see what works best for you.

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Risk Reduction

The quandary retirees are facing is with the record low interest rates. You can’t survive on 2% CDs. However, as a retiree, you also cannot afford to take another stock market hit like 2008.

 

What’s the solution?

 

Our solution is to use two-sided models that are designed to make money in up or down markets.  

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Liquidity

Life happens and we want to help make sure you have liquidity levels that are just right for you. Everyone has their own level of comfort on the cash they want liquid for emergency car repairs, roof repairs, water heaters, and children that call you for cash. Some of our competitors will lock you up in non-liquid investments. We warn you of this common practice.

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Why You Should Never Use The Asset Allocation Model In Retirement

Understanding what asset allocation is and how it can destroy your retirement plan is very important.

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The Benefits Of Using Distribution Planning In Your Retirement Plan

We believe that Distribution Planning is an important part to a strong foundation of a solid retirement plan.

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Schedule a visit.

Ready to take control of your retirement plan? Schedule a visit with a Decker fiduciary today.

SCHEDULE A VISIT

When you come in to meet with one of our planners for the first time, we will do our best to make you feel at home. The goal of the first visit is to let you learn about The Decker Approach and how our planning applies to you in a one on one basis. We recognize that every person has different needs and expectations. We want to be able to take the time and show you how our approach applies to you.