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 straightforward, unbiased advice on any questions you may have. This program represents your best interest, not Wall Street’s.
Episodes
August 23, 2025 • 47 mins
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
Mark as Played
August 20, 2025 • 45 mins
• 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?
• Don from Lancaster wants Tim's op...
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August 20, 2025 • 45 mins
• 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.
• Dennis shares some of the significant c...
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August 5, 2025 • 46 mins
• 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 Boiling Springs has questions about...
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August 1, 2025 • 46 mins
• 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 p...
Mark as Played
July 22, 2025 • 42 mins
• 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?
H...
Mark as Played
July 16, 2025 • 45 mins
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 h...
Mark as Played
July 16, 2025 • 42 mins
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 o...
Mark as Played
July 16, 2025 • 45 mins
: 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...
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June 21, 2025 • 45 mins
Tim talks with Jonathan Clements!
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June 16, 2025 • 45 mins
• 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 su...
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June 9, 2025 • 45 mins
• 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 sh...
Mark as Played
June 9, 2025 • 46 mins
• 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...
Mark as Played
May 27, 2025 • 45 mins
• 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 los...
Mark as Played
May 20, 2025 • 45 mins
• What is the one investment that has historically produced mediocre returns yet remains one of the best investments for many individuals, and why?
• Is the 10.25% annual yield promoted by an "investment opportunity" named Yrefy realistic?
• How often should you check the market value of your investments? You may be surprised.
• Mark seeks Tim's advice regarding an annuity recommendation made by his current advisor.
Greenspring Ad...
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May 13, 2025 • 45 mins
Topics covered in this week's show include:
With Warren Buffett announcing he will step down at the end of this year, Tim shares some of his thoughts and one of his favorite Buffett quotes.
In honor of Mother's Day weekend, Tim shares a deeply personal story about his mother and his upbringing.
Tim welcomes Larry and Jim, two outstanding veterans, to the Greenspring Advisors family as new clients.
Financial freedom: Is it a goal o...
Mark as Played
May 13, 2025 • 45 mins
The following topics are covered in this week's show. include: Caveat emptor ! Tim cautions listeners to think twice before considering free book offers promoted on Fox Business Network and CNBC. Although most financial television and radio programs are not worth your time, Tim recommends a program on CNBC that you might find worthwhile. It is certainly eye-opening. Tim announces a special documentary you won't want to miss, and he...
Mark as Played
April 28, 2025 • 45 mins
• Tim asks, "As an investor, what have you been doing in recent weeks amid so much uncertainty and negativity?"
• Bob from Iron Springs calls in to ask for some perspective on gold as an investment. Tim provides valuable insights by sharing the price history of gold and explaining that, historically, after adjusting for inflation, gold has experienced long periods in which it has underperformed significantly.
• Longtime listener Jo...
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April 21, 2025 • 44 mins
• Do you own individual stocks like Apple, Tesla, or Nvidia? Should you reconsider the risks versus rewards of doing so?
• When a CD is maturing, should you reinvest it or consider investing elsewhere? Jean from Denver calls in for Tim's guidance on her CD.
• Michael from Annville asks Tim how reinvesting dividends from mutual funds or stocks affects future taxes on capital gains.
• Have you ever heard the term "bond vigilantes"? K...
Mark as Played
April 14, 2025 • 45 mins
• Jim from Newport asks Tim to clarify how stock dividends work. Tim explains and discusses why this concept is often misunderstood by many people.
• Have you ever heard of “shorting” stocks or the market? Joe from Harrisburg asks how this works and whether it is worth considering.
• Joan, a loyal listener, calls in to share some valuable and interesting comments.
• What is the ideal process for taking RMDs from an IRA? Kathy from ...
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