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 See omnystudio.com/listener for privacy information.

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 See omnystudio.com/listener for privacy information.

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 See omnystudio.com/listener for privacy information.

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 See omnystudio.com/listener for privacy information.

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 See omnystudio.com/listener for privacy information.

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 See omnystudio.com/listener for privacy information.

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 See omnystudio.com/listener for privacy information.

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 See omnystudio.com/listener for privacy information.

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 See omnystudio.com/listener for privacy information.

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. See omnystudio.com/listener for privacy information.

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 See omnystudio.com/listener for privacy information.

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 See omnystudio.com/listener for privacy information.

• 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 commen...

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 persp...

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...

• 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?...

• 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. • Denn...

• 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...

• 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 Ca...

• 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 de...

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 wha...

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 s...

: 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...

• 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...

• 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 h...