The Decker Approach is a planning process that
covers most all aspects of retirement, not just how to invest your money.
Decker Retirement Planning Inc. was founded on the idea that common sense financial planning and money management solutions exist. The company was born to guide people through the minefield of the financial services industry.
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.
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.
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.
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.
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.
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.
Understanding what asset allocation is and how it can destroy your retirement plan is very important.
“The broker is not your friend. He’s more like a doctor who charges patients on how often they change medicines... and he gets paid far more for the stuff the house is promoting than the stuff that will make you better.”