EPISODE · May 23, 2026 · 55 MIN
Diversified Retirement Income: Buckets, Social Security Timing & Pensions | Episode 153
from Safer Retirement Radio · host Brian Decker - Owner and Founder - Decker Retirement Planning
Running out of money is a top fear in retirement, and it almost always traces back to one question: where will your monthly income actually come from? In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray walk through how Decker Retirement Planning builds a diversified retirement income plan. The same math-based, fiduciary process they use with clients every day. What this episode covers: • The bucket strategy: structuring emergency cash, principal-guaranteed income accounts, and a separate growth "risk bucket" so every dollar in your portfolio has a job • Annuities, demystified: why Decker steers clear of income and variable annuities, and where fixed indexed annuities (FIAs) and MIGAs actually fit • Social Security timing: spousal benefits, the 8% delayed-retirement credit, and how to coordinate two spouses for the most lifetime income • Pension decisions: lump sum vs. income stream, the real break-even math, and counterparty risk • Tax-smart withdrawals: Roth conversions, account placement, and keeping more of your money out of Uncle Sam's hands If you're within 5–10 years of retirement and you want a clear, structured plan that balances safety and growth, this episode is for you. Schedule a no-cost retirement review: 833-707-3030 Free resources, including The Decker Approach book and a sample income plan: DeckerRetirementPlanning.com Serving families in Salt Lake City, Seattle/Bellevue, the Bay Area, and virtually nationwide. Investing involves risk, including the potential loss of principal. Decker Retirement Planning, Inc. is a registered investment advisor. This show is for informational purposes only and is not tax or legal advice.
What this episode covers
Running out of money is a top fear in retirement, and it almost always traces back to one question: where will your monthly income actually come from? In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray walk through how Decker Retirement Planning builds a diversified retirement income plan. The same math-based, fiduciary process they use with clients every day. What this episode covers: • The bucket strategy: structuring emergency cash, principal-guaranteed income accounts, and a separate growth "risk bucket" so every dollar in your portfolio has a job • Annuities, demystified: why Decker steers clear of income and variable annuities, and where fixed indexed annuities (FIAs) and MIGAs actually fit • Social Security timing: spousal benefits, the 8% delayed-retirement credit, and how to coordinate two spouses for the most lifetime income • Pension decisions: lump sum vs. income stream, the real break-even math, and counterparty risk • Tax-smart withdrawals: Roth conversions, account placement, and keeping more of your money out of Uncle Sam's hands If you're within 5–10 years of retirement and you want a clear, structured plan that balances safety and growth, this episode is for you. Schedule a no-cost retirement review: 833-707-3030 Free resources, including The Decker Approach book and a sample income plan: DeckerRetirementPlanning.com Serving families in Salt Lake City, Seattle/Bellevue, the Bay Area, and virtually nationwide. Investing involves risk, including the potential loss of principal. Decker Retirement Planning, Inc. is a registered investment advisor. This show is for informational purposes only and is not tax or legal advice.
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Diversified Retirement Income: Buckets, Social Security Timing & Pensions | Episode 153
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