Financial Freedom With Tim Decker

• 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.

See omnystudio.com/listener for privacy information.

• 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.

See omnystudio.com/listener for privacy information.

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].

See omnystudio.com/listener for privacy information.

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].

See omnystudio.com/listener for privacy information.

: 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].

See omnystudio.com/listener for privacy information.

• 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.

See omnystudio.com/listener for privacy information.

• 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.

See omnystudio.com/listener for privacy information.

• 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.

See omnystudio.com/listener for privacy information.

• 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.

See omnystudio.com/listener for privacy information.

• 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.

See omnystudio.com/listener for privacy information.