Dekker Financial Show

Another year is upon us and it’s a great time to ask yourself 10 questions to assess how ready you are for retirement to kick off 2023.

If you’re retiring this year, it’s essential to have some concrete answers to these questions. If you’re still a few years from the milestone, tune in so you can start thinking about these critical conversations.

Here’s just some of what we’ll dive into inn this episode:

• Do you know exactly how much income you’ll need every month? (3:08)
• Do you know the ideal time for you to take Social Security? (9:33)
• Do you have a plan to combat inflation? (16:20)

Visit us online: https://www.dekkerfinancial.com/

Sometimes it might seem like talking to your financial advisor feels like talking to a therapist, and that’s OK. Today we’re discussing some scenarios where it’s almost inevitable that a talk with your advisor seems like a counseling session. Whether you’re getting a divorce or having career difficulties, your financial advisor should be there to help guide you through the financial transition.

On today’s show, we’ll share:

• How we help clients through a divorce. (2:47)
• How we help clients through career difficulties. (8:29)
• How we help clients with medical problems. (16:47)

Listen to more of our conversation in the podcast or reach out to us to talk about your financial situation and goals.

Visit us online: https://www.dekkerfinancial.com/

Call us: 480-897-1067

Saving in your 401(k) can be an easy and painless way to build your retirement savings. But because it’s so easy and painless, it can also be easy to ignore for long periods of time, which often leads to mistakes.

Let’s make sure you stay on the right track with your 401(k) so this episode will identify five key mistakes that people make with this retirement account.

On today’s show, we’ll share:

• Leaving money invested in a former employer’s 401k plan instead of rolling it over to an IRA. (8:18)
• Failing to rebalance often enough. (11:51)
• Sticking all of your money in a target date fund and assuming that your account is now “customized” to your needs. (15:59)

Visit us online: https://www.dekkerfinancial.com/

Call us: 480-897-1067

You need to make smart decisions during major life events, and we are here to help guide you. Whether it's a job change or divorce, we recommend taking your time to work everything out.

Most people like to think that they always make decisions based on logic and facts, but the truth is that emotions usually play a role for all of us in the decision-making process. We’ll explain how to handle big changes the right way.

Here’s some of what you’ll learn in this episode:

• How to handle a job change. (3:22)
• How to handle a divorce. (9:11)
• How to handle an inheritance. (13:30)

Want to get in touch? Book an appointment online here: https://www.dekkerfinancial.com/book-appointment

If you’ve ever wanted to just learn a little more about investing in the stock market, this episode is for you. We’re going to cover some of those terms you’ve probably heard before, but perhaps never truly knew what they meant.

From the bid-ask spread in the stock market to bull and bear markets, we’ll explain some hot topics you need to know.

Here’s some of what you’ll learn in this episode:

• The difference between the bid and the ask in the stock market. (2:04)
• Popular trading strategies, such as buy and hold, swing, day trading, etc. (11:22)
• The difference between the NASDAQ, Dow, S&P 500, and other markets. (16:29)

Want to get in touch? Book an appointment online here: https://www.dekkerfinancial.com/book-appointment

As we approach the end of the year, saving money on taxes becomes a bigger focus for many people. Today we’re focusing on some of the most common retirement planning questions about taxes.

We’ll talk about mistakes to avoid and how a proper plan can make a significant difference in your tax savings. We’ll also explain why a tax deduction is not a dollar for dollar reduction.

Here’s some of what you’ll learn in this episode:

• Can you improve your tax situation as you approach retirement? (3:12)
• Will you have as many deductions in retirement? (6:40)
• What tax mistakes do people make? (12:30)

Want to get in touch? Book an appointment online here: https://www.dekkerfinancial.com/book-appointment

Most people like to think that they always make decisions based on logic and facts, but the truth is that emotions usually play a role for all of us in the decision-making process.

On today’s show, we’ll share what types of emotions are likely to drive financial decisions and some mistakes we've seen people make. We want to help you be in control of your emotions and your financial future. 

Here’s some of what you’ll learn in this episode:

• Why greed is not good, no matter how the market is doing. (2:33)
• Why fear can cause you to make some poor investing decisions. (7:42)
• Why hope is not a substitute for a good financial plan. (13:12)

Want to get in touch? Book an appointment online here: https://www.dekkerfinancial.com/book-appointment

It’s been said that “the sales brochure giveth and the fine print taketh away.” When you look at documents, how often do you read the fine print?

Many people don’t. In this episode, we’ll talk about some of the things we hear from people when they don’t pay enough attention to the fine print.

Here’s some of what you’ll learn in this episode:

• Why you might get a big rate increase on your long-term care insurance. (2:46)
• Why a mutual fund can tank when you get into it. (8:18)
• Why life insurance can suddenly get really expensive. (11:38)

Want to get in touch? Book an appointment online here: https://www.dekkerfinancial.com/book-appointment

Want to know the secrets to experiencing satisfaction in retirement? We’ve discovered five key situations to which your financial plan needs to lead you. If you can key in on these five points, you’ll have a high chance to achieve retirement satisfaction.

Though satisfaction in retirement will likely vary from person to person, there are some things you’ll want to check off your “Retirement To-Do” list. Let’s dissect each topic so you can have a happier transition into retirement.

Here’s some of what you’ll learn in this episode:

• You don’t want to be too reliant on one source of income. (7:39)
• How you can achieve confidence in your retirement plan. (13:48)
• Are you preparing for complete independence in retirement? (23:39)
• A listener wants to know if he should start social security early to pay off his house. (28:04)

Want to get in touch? Book an appointment online here: https://www.dekkerfinancial.com/book-appointment

Being a good advisor isn’t about winning a popularity contest or just saying the same things that everyone else in the industry says, it’s about giving the best advice that you can for each individual situation.

On today’s show, we’re going to peel back the curtain to discuss some areas where a good financial advisor’s opinions might go against the grain with mainstream ideas in the industry.

Here’s some of what you’ll learn in this episode:

• What amount of risk should you be taking in your investment portfolio? (2:32)
• The importance of life insurance in different circumstances. (6:54)
• Where we stand on debt: the good and the bad. (11:55)
• How mutual funds can fit in someone’s portfolio. (25:14)

Want to get in touch? Book an appointment online here: https://www.dekkerfinancial.com/book-appointment