Financial Freedom With Tim Decker

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforward answers.

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforward answers.

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforward answers.

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Today Tim has a special guest, Greg Klechpner of Greenspring Advisors.

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

• Tim encourages you to reflect on your approach as an investor: Are you proactive or reactive? • "Financial fire drills": What are they, and how can they help investors? • Greg asks Tim to explain how he and Greenspring Advisors are compensated. • Dave from Palmyra asks about potential Roth conversion opportunities following the passage of the One Big Beautiful Bill Act. Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at [email protected]. Please enjoy and feel free to share it with your friends and family!

Title: Winning the Lottery Topics covered in this week's show include: Should lottery winners choose a lump sum or annual payments? It depends. Steve from Hershey wants to know if money held in a trust will be protected from a divorce. Tim shares his recent experiences and observations from meetings with two new clients over the past few weeks. Joan, a longtime friend of the show, shares her perspective on Tim's frequent use of the word "beautiful" when describing a "beautiful, globally diversified portfolio." CAVEAT EMPTOR! Financial salespeople posing as educators are coming to a college near you. Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at [email protected].

Title: Caveat Emptor! Topics covered in this week's show include: Tim highlights a very special video that was shown at Greenspring's annual client evening last week. CAVEAT EMPTOR! Beware of an aggressive marketing campaign by a company called Yrefy. Ignore at your own risk. RJ from Lancaster asks for investment suggestions for his 19-year-old son, who now has $200,000. Sam from Hummelstown seeks guidance on a strategy to help him unload individual stocks he has accumulated over the years.Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at [email protected].

• Michael asks Tim to review the Form ADV Part 2A brochures from two different advisory firms he is considering. Hear important key insights from Tim. • What's really behind all the "safe money" infomercials being aired across the country, including many in Central PA? • How many years did it take for the U.S. stock market to recover to its previous high, and what can be learned from this period? • Don from Lancaster wants Tim's opinion regarding a fixed annuity versus laddered CDs. Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at [email protected]. Please enjoy and feel free to share it with your friends and family! Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

• Do you still believe that investing in individual stocks is wise? Tim refers to an updated academic research paper that provides compelling evidence to the contrary. • Looking to offer a young person a concise, introductory book on the fundamentals of sound investing? Tim shares one potential option. • Sam from Grantville wants advice on some Vanguard funds he is considering investing in. • Dennis shares some of the significant challenges he encountered while assisting a friend's wife with her finances following her husband's recent passing. Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at [email protected]. Please enjoy and feel free to share it with your friends and family! Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

• One last reminder to make sure you don't miss the free webinar this week! Details and registration link are below. • William from Camp Hill asks for some clarification on the "10-year rule" for inherited IRA accounts. • Tim shares a recent article that suggests fewer than 5% of financial professionals are truly fee-only fiduciary advisors and discusses what this means to consumers. • Steve from Boiling Springs has questions about his grandson’s interest in investing. • Susan from Mechanicsburg seeks advice on moving money out of her state retirement funds. Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at [email protected]. Please enjoy and feel free to share it with your friends and family! Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

• Tim announces an upcoming webinar you won't want to miss. • Just how painful has it been to own individual stocks over the last 40 years? You'll be surprised. • Jim from Newport asks about titling all accounts jointly to protect assets from nursing home expenses. • Bob from Iron Springs seeks advice regarding his son's Thrift Savings Plan. • Longtime listener and friend of the show, Joan from Camp Hill, talks with Tim about the purpose of treasuries. Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at [email protected]. Please enjoy and feel free to share it with your friends and family! Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

• Should your age dictate how you invest? Tim shares an experience he had with new clients last week and discusses the most important variable in determining their allocations. • What is "window dressing," and how can it affect your investment holdings? • Dave from Hershey wants advice on investing in energy stocks. • Why do so many investors have a hodgepodge portfolio instead of a beautifully designed, globally diversified one? Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at [email protected]. Please enjoy and feel free to share it with your friends and family! Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

Idiosyncratic Risk, In investing, some risks have expected rewards while others do not. Tim explains why it's essential for all investors to understand idiosyncratic risk and how it can be avoided.. •Linda from Lancaster asks Tim to summarize the topic of required minimum distributions (RMDs). •Another listener, Kathy from Newville, seeks Tim's advice on opening a Roth IRA for her grandson and what might be a good investment for him. •Dave from Lancaster has some questions about enrolling in Medicare. •Tim provides a very helpful summary of how the recently enacted One Big Beautiful Bill will deliver some welcome tax savings for the majority of seniors age 65 and over. Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at [email protected].

Halfway Through 2025 •With the first six months of 2025 in the rearview mirror, Tim reinforces some timeless investing lessons related to the year’s news headlines. •A beautiful, globally diversified stock portfolio surged over the first half of this year. Did you get your share of these returns? •Kelly from Harrisburg asks Tim for his thoughts on her contributions to her retirement account. Tim shares why he remains a huge fan of Roth IRA accounts. •Wayne from Camp Hill asks how the new tax bill signed by President Trump may potentially benefit seniors' Social Security. Tim offers some brief comments and promises more information to come. Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at [email protected].

: Dividends, anyone? •In a follow-up to last week's show featuring Jonathan Clements, Tim shares a quote from Jonathan that aligns remarkably well with his own philosophy, which he has conveyed over several decades. •Dave from Wormleysburg asks Tim for advice about selling a mutual fund after a young advisor called him and suggested that he do so. •Bonnie from Grantville wants Tim's perspective on last week's discussion about Roth IRAs for young people. •Joan, a longtime listener from Camp Hill, shares her thoughts on some of Tim's recent comments. •Dividends, anyone? Tim presents some troubling statistics based on historical data that emphasize the critical importance of reinvesting your dividends; failing to do so could cost you significantly more than you might expect. Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at [email protected].

• Tim welcomes his friend and special guest, Jonathan Clements, a world-renowned financial columnist and author. • After Jonathan's recent diagnosis of terminal cancer, he wants to share meaningful life lessons and some timeless words of financial wisdom. • Tim highly recommends purchasing Jonathan's newly released book, filled with invaluable financial advice from his many years of writing at The Wall Street Journal. Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at [email protected]. Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

• Tim pays a special tribute to his own father on this Father's Day weekend. • In the spirit of Father's Day and the importance of family, Tim shares how he and his wife have recently been touched by an incredible family who has become an integral part of their lives. He also offers some takeaways for all of us. • Cash drag: What is it? Tim discusses why understanding this concept is crucial and how it can impact your investment success over time. He'll continue this topic on next week's show. • William from York shares that their church needs to invest a significant amount and seeks Tim's thoughts and advice regarding the use of socially responsible investments. • Another caller, Stan from Dillsburg, seeks guidance on how long he should retain paper records of his investments. Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at [email protected]. Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

• Tim announces that a very special, well-known guest will join him for the show on June 21. • How do you define risk? And what about volatility? • What do Nvidia, Apple, Netflix, and other companies have in common? Get ready for some surprising facts. • Denny seeks advice on the ideal time of year to consider taking his required minimum distributions (RMDs) from his IRA. Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at [email protected]. Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

• Tim references a Reuters figure of +23%. Why is this number important? • What is the VIX, often referred to as the "fear gauge," and how can it potentially help investors? • Bill from Halifax asks why trusts are receiving more attention and whether they are worth considering. Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at [email protected]. Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

• Tim opens the show by sharing his heartfelt personal thoughts about Memorial Day. • Reflecting on historical data since 1980, do you know what the average intra-year decline of the U.S. stock market has been and how frequently these temporary declines occur? Knowing this can help you behave better as an investor. • Tim hears from longtime listener Joan, who asks him to explain where capital goes when someone sells stocks at a loss. • Recent data from Morningstar further illustrates why trying to beat market returns remains a fool's errand. Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at [email protected]. Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

• What is the one investment that has historically produced mediocre returns yet remains one of the best investments for many individuals, and why? • Is the 10.25% annual yield promoted by an "investment opportunity" named Yrefy realistic? • How often should you check the market value of your investments? You may be surprised. • Mark seeks Tim's advice regarding an annuity recommendation made by his current advisor. Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

Topics covered in this week's show include: With Warren Buffett announcing he will step down at the end of this year, Tim shares some of his thoughts and one of his favorite Buffett quotes. In honor of Mother's Day weekend, Tim shares a deeply personal story about his mother and his upbringing. Tim welcomes Larry and Jim, two outstanding veterans, to the Greenspring Advisors family as new clients. Financial freedom: Is it a goal or an outcome? Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

The following topics are covered in this week's show. include: Caveat emptor ! Tim cautions listeners to think twice before considering free book offers promoted on Fox Business Network and CNBC. Although most financial television and radio programs are not worth your time, Tim recommends a program on CNBC that you might find worthwhile. It is certainly eye-opening. Tim announces a special documentary you won't want to miss, and he will share a link in the coming weeks. Leroy from McClure compliments Tim's colleague Laura Peace, and asks Tim to explain future taxation on some of his investments. Bob from Harrisburg calls in seeking a good investment idea for his grandson. Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

• Tim asks, "As an investor, what have you been doing in recent weeks amid so much uncertainty and negativity?" • Bob from Iron Springs calls in to ask for some perspective on gold as an investment. Tim provides valuable insights by sharing the price history of gold and explaining that, historically, after adjusting for inflation, gold has experienced long periods in which it has underperformed significantly. • Longtime listener Joan from Camp Hill calls in to share her thoughts and perspective. Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

• Do you own individual stocks like Apple, Tesla, or Nvidia? Should you reconsider the risks versus rewards of doing so? • When a CD is maturing, should you reinvest it or consider investing elsewhere? Jean from Denver calls in for Tim's guidance on her CD. • Michael from Annville asks Tim how reinvesting dividends from mutual funds or stocks affects future taxes on capital gains. • Have you ever heard the term "bond vigilantes"? Kevin from New Cumberland asks Tim to explain who they are and how they may currently be impacting bond yields and prices. Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

• Jim from Newport asks Tim to clarify how stock dividends work. Tim explains and discusses why this concept is often misunderstood by many people. • Have you ever heard of “shorting” stocks or the market? Joe from Harrisburg asks how this works and whether it is worth considering. • Joan, a loyal listener, calls in to share some valuable and interesting comments. • What is the ideal process for taking RMDs from an IRA? Kathy from Newville wants Tim’s advice. Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.