Safer Retirement Radio Podcast By Brian Decker - Owner and Founder - Decker Retirement Planning cover art

Safer Retirement Radio

Safer Retirement Radio

By: 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 Economics
Episodes
  • 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 mins
  • 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 mins
  • When a Spouse Passes: Social Security, Taxes, Medicare, and Estate Planning Moves | Episode 147

    When a Spouse Passes: Social Security, Taxes, Medicare, and Estate Planning Moves | Episode 147
    Feb 15 2026
    When a spouse passes away, the emotional toll is obvious—but the financial “whammies” can be just as disruptive: a lower Social Security benefit may disappear, tax filing status changes, Medicare decisions shift, and beneficiary and estate documents need immediate attention. In this episode of Safer Retirement Radio, Brian Decker and Marc Knauss, CFP(R) break down the practical steps families should understand before a loss happens, and the priorities to address in the first 30–90 days afterward. They cover how survivor benefits work, why taxes often rise for the surviving spouse, and how proactive planning can reduce administrative headaches and costly mistakes. Key topics discussed: Survivor Social Security basics: notify promptly, benefit coordination, and timing considerations Tax impact after a spouse’s death: filing status changes and why brackets can tighten Medicare and supplemental plan review after becoming widowed Account consolidation, beneficiary updates, and estate document cleanup (trust, POA, health directive) Risks of scams and pressure tactics after an obituary posts Real estate and tax planning concepts like step-up in basis Advanced planning themes discussed on the show: trusts, legacy design, and rental real estate tax strategies If you’re within 5–10 years of retirement (or already retired), this episode is a reminder that a written income plan and coordinated strategy can help protect the surviving spouse and reduce “decision pressure” during grief. Learn more & download resources: DeckerRetirementPlanning.com (Safer Retirement Education) Schedule a visit: 833-707-3030 This podcast is for informational purposes only and is not intended as tax or legal advice. Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying ability of the issuing carrier.
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    56 mins
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