Is your retirement plan truly complete, or is it missing something critical? In honor of Financial Literacy Month, Brian Decker and Arrin Wray walk through the six elements every successful retirement plan must include. Whether you're interviewing a new advisor or evaluating your current one, this episode serves as your checklist.

In this episode, you'll learn:

Why a pie chart is not a retirement plan—and what a real income distribution plan looks like

The three buckets every retiree needs: emergency cash, principal-guaranteed accounts, and a risk bucket

Tax minimization strategies, including IRA-to-Roth conversions and charitable giving techniques

Why having 60-70% of your portfolio in the market during retirement may be too risky

How momentum, dividends, and stop losses can help protect your money in flat or declining markets

The difference between the accumulation phase and the distribution phase of your financial life

Why bond funds may not be the "safe" option you think they are in a rising rate environment

How fee structures differ—and why you may be paying more than you need to

Brian and Arrin also explain why the strategies that got you to retirement are not the same ones that will carry you through it, and how to build a mathematically-based plan designed to provide consistent income for life.

If you'd like to talk with the Decker Retirement Planning team about your own situation, call 833-707-3030 or visit DeckerRetirementPlanning.com.