EPISODE · May 9, 2026 · 55 MIN
All-Time Highs, College Costs, and the Estate Documents Most People Get Wrong | Episode 152
from Safer Retirement Radio · host Brian Decker - Owner and Founder - Decker Retirement Planning
Markets are at all-time highs while the economy flashes warning signs. Brian Decker and Arrin Wray break down three ways we lower client risk, how to use 529 plans for kids and grandkids, and the estate mistakes that quietly tear families apart. In this episode: Why the S&P keeps hitting records while job growth slows — and what's really driving the rally (earnings, rate-cut expectations, and stock buybacks) The three ways we lower client risk: quantitatively (25–30% market exposure, not 60–70%), by removing interest-rate risk, and through momentum-based strategies designed to work in up or down markets 529 plans for kids and grandkids: what actually qualifies (tuition, room and board, K–12, trade schools, apprenticeships), 2026 contribution limits, the "super-funding" five-year front-load, and the new 529-to-Roth IRA rollover Wills, pour-over provisions, and how to avoid probate Power of attorney: the activation clause that protects you, and why "reasonable compensation" language causes family problems Healthcare directives: comfort measures, and how to spare your kids the guilt of pulling the plug Trusts: the four liquidation clauses that keep siblings on speaking terms — and why 80%+ of trusts are never properly funded Schedule a no-cost retirement review with Brian and the team: call 833-707-3030 or visit DeckerRetirementPlanning.com. Offices in Salt Lake City, Lehi, Seattle/Bellevue, and the Bay Area — virtual reviews available nationwide.
What this episode covers
Markets are at all-time highs while the economy flashes warning signs. Brian Decker and Arrin Wray break down three ways we lower client risk, how to use 529 plans for kids and grandkids, and the estate mistakes that quietly tear families apart. In this episode: Why the S&P keeps hitting records while job growth slows — and what's really driving the rally (earnings, rate-cut expectations, and stock buybacks) The three ways we lower client risk: quantitatively (25–30% market exposure, not 60–70%), by removing interest-rate risk, and through momentum-based strategies designed to work in up or down markets 529 plans for kids and grandkids: what actually qualifies (tuition, room and board, K–12, trade schools, apprenticeships), 2026 contribution limits, the "super-funding" five-year front-load, and the new 529-to-Roth IRA rollover Wills, pour-over provisions, and how to avoid probate Power of attorney: the activation clause that protects you, and why "reasonable compensation" language causes family problems Healthcare directives: comfort measures, and how to spare your kids the guilt of pulling the plug Trusts: the four liquidation clauses that keep siblings on speaking terms — and why 80%+ of trusts are never properly funded Schedule a no-cost retirement review with Brian and the team: call 833-707-3030 or visit DeckerRetirementPlanning.com. Offices in Salt Lake City, Lehi, Seattle/Bellevue, and the Bay Area — virtual reviews available nationwide.
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All-Time Highs, College Costs, and the Estate Documents Most People Get Wrong | Episode 152
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