Set aside an hour on Saturday mornings to take advantage of free, unbiased financial advice from one of Central PA’s most respected financial advisors with over 35 years of experience. Join Tim Decker, Partner & Managing Director at Greenspring Advisors, for “Financial Freedom” each Saturday from 10-11 a.m.

Tim is proud to be a fee-only financial planner and fiduciary. This means he sells no financial products, is paid only for advice, guidance, and services, and is bound to a written fiduciary oath to always represent clients’ best interests. He holds the designation of AIF® (Accredited Investment Fiduciary) and provides sound financial guidance and firsthand experience while truly looking out for you, not Wall Street.

Tim has frequently been a source and contributor for local and national media, including the Wall Street Journal, Lancaster Sunday News, Harrisburg Patriot-News, Central Penn Business Journal, ABC 27 News, and WITF’s Smart Talk. He also authored the book “The Sleep-Well-At-Night Investor,” which is available on Amazon.


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You can email him at ffradio@comcast.net or visit Greenspring Advisors at greenspringadvisors.com 


Email

ffradio@comcast.net

Financial Freedom 6/28/25

Financial Freedom 7/5/25

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 of Roth IRA accounts. •Wayne from Camp Hill asks how the new tax bill signed by President Trump may potentially benefit seniors' Social Security. Tim offers some brief comments and promises more information to come. 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 anytime at financialfreedom@greenspringadvisors.com.

Financial Freedom 7/12/25

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 him. •Dave from Lancaster has some questions about enrolling in Medicare. •Tim provides a very helpful summary of how the recently enacted One Big Beautiful Bill will deliver some welcome tax savings for the majority of seniors age 65 and over. 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 anytime at financialfreedom@greenspringadvisors.com.

Financial Freedom with Tim Decker 6.21.25

Tim talks with Jonathan Clements!

Father's Day and Finances | 6/14/25

• 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 success over time. He'll continue this topic on next week's show. • William from York shares that their church needs to invest a significant amount and seeks Tim's thoughts and advice regarding the use of socially responsible investments. • Another caller, Stan from Dillsburg, seeks guidance on how long he should retain paper records of his investments. 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 anytime at financialfreedom@greenspringadvisors.com. Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

Risk and Volatility | 5/31/25

• 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 show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at financialfreedom@greenspringadvisors.com. Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

Is it worth considering? | 6/7/25

• 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 anytime at financialfreedom@greenspringadvisors.com. Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

Memorial Day Reflections | 5/24/25

• 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 loss. • Recent data from Morningstar further illustrates why trying to beat market returns remains a fool's errand. 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 anytime at financialfreedom@greenspringadvisors.com. Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

Let's Talk Investments | 5/17/25

• 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 Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

Mother's Day and Finance | 5/10/25

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 or an outcome? Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.