Running out of money is a top fear in retirement, and it almost always traces back to one question: where will your monthly income actually come from?In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray walk through how Decker Retirement Planning builds a diversified retirement income plan. The same math-based, fiduciary process they use with clients every day.What this episode covers:• The bucket strategy: structuring emergency cash, principal-guaranteed income accounts, and a separate growth "risk bucket" so every dollar in your portfolio has a job• Annuities, demystified: why Decker steers clear of income and variable annuities, and where fixed indexed annuities (FIAs) and MIGAs actually fit• Social Security timing: spousal benefits, the 8% delayed-retirement credit, and how to coordinate two spouses for the most lifetime income• Pension decisions: lump sum vs. income stream, the real break-even math, and counterparty risk• Tax-smart withdrawals: Roth conversions, account placement, and keeping more of your money out of Uncle Sam's handsIf you're within 5–10 years of retirement and you want a clear, structured plan that balances safety and growth, this episode is for you.Schedule a no-cost retirement review: 833-707-3030Free resources, including The Decker Approach book and a sample income plan: DeckerRetirementPlanning.comServing families in Salt Lake City, Seattle/Bellevue, the Bay Area, and virtually nationwide.Investing involves risk, including the potential loss of principal. Decker Retirement Planning, Inc. is a registered investment advisor. This show is for informational purposes only and is not tax or legal advice.