Decker Retirement Planning Inc. offers personalized retirement planning, financial planning, and investment management services. Founded in 2016 and based in Lehi, Utah, the firm is led by Brian Decker. The firm creates customized income plans and manages portfolios using computer-driven models, exchange-traded funds, mutual funds, and individual stocks. Decker Retirement Planning specializes in retirement-focused strategies, incorporating income preparation, tax-saving approaches, asset security, risk reduction, and portfolio analysis. The firm requires clients to go through the financial planning process before taking them on as investment management clients. Certain employees are also licensed insurance agents and may recommend insurance products, creating a potential conflict of interest due to commissions. The firm manages assets on a discretionary basis, utilizing preferred custodians like Fidelity and partnering with third-party strategists for portfolio guidance.
Fee Structure
Portfolio-Based Fees (Flat)
| Portfolio Value | Annual Fee |
|---|---|
| Any | 1.40% |
Asset management fees range from an annual rate of 1.4% for higher-risk investment models down to 0.20% for cash management. Fees are charged only on risk-bucket assets and exclude bonds, CDs, and self-managed positions.