About
RMD Financial Group
RMD Financial Group
Meet The Team
Walt Decherd
President
My name is Walt Decherd, and I am President and Founder of RMD Financial Group. WGD Wealth Management, and Apollo Tax Group.
I strive to stay current on developments across multiple industries to best serve you with fresh, accurate and relevant information about potential impacts on finances.
Taxes will most likely be your largest strain on cash flow as you enter retirement. Having a clear understanding of your current tax situation is half the battle while being able to effectively apply tax savings strategies is the other half. I excel at mathematical strategies designed to keep the IRS out of your retirement plan.
Working side – by – side with you, I can successfully reduce taxation in retirement while creating a personal blueprint that maximizes investment tactics while minimizing tax liabilities. I accomplish this by defining your personal financial goals and developing the most efficient tax strategy possible while implementing sequential steps to produce a holistic financial retirement strategy.
Together we will implement the following advantages:
- Innovative retirement resolutions
- Reduced Required Minimum Distributions (RMDs)
- Tax-free income while reducing tax liabilities
- A comprehensive retirement plan with a tax-savings strategy
When I am away from the office, my wife and I enjoy being around the water, spending time with friends and family, and discovering new ways to enjoy the beach. We are also the proud parents and supporters of our very active teenage daughter who participates in competitive cheer events locally, within the state of Texas, and nationally.
Cultivating and maintaining strong client relationships, I will reveal to you how we can work jointly to temper your financial concerns by implementing a reliable, meaningful, proven, and effective tax strategy to achieve your ultimate retirement goals.
Carrie McRay,
Client Relations and Office Manager
Carrie McRay is the Client Relations and Office Manager for RMD Financial Group. She is responsible for overseeing the day-to-day office operations, executing company events, scheduling appointments, and helping clients with their financial needs. Carrie is also a Notary Public and a Certified Money Coach.
Prior to her position, she retired from a teaching career of over 25 years where she was a campus teacher of the year.
Carrie earned her BA in English Education and Journalism from Baylor University and her Ms. Ed in School Counseling from the University of Houston – Clear Lake Campus.
In her spare time, she enjoys time with her grandchildren and performing as Mrs. Clause with her husband, who is Santa.
She also is active in the Baytown Little Theater where she directs different productions and is a member of the Baytown Art League.
Daniel Linares
Junior Advisor
Learn More About
Our Financial Solutions
We follow a five-step process to create your financial plan. The wonderful benefit of our five-step process is that it applies to any financial decision or concern you have. It helps you make informed decisions about your money based on facts and an experienced team of professionals to help guide you along the way. We take the time to thoroughly explore your needs, no matter the stage of life you are in, to help provide a custom-tailored solution that we continue to monitor and adjust until the end of time.
- Maximize Social Security Benefits
- Expand Pension Benefits
- Guarantee Lifetime Income Options
- Tax-Deferred Options
- Tax-Free/Advantaged Options
- Roth IRA Conversions
- Minimizing Stock Market Risks
- Putting “Lazy” Assets to Work
- Diversifying Assets
- Long-Term Care Planning
- Health Insurance
- Medicare/Medigap
Register For
Our Educational Events
UPCOMING EVENTS
Events in March 2026
March 5, 2026 (1 event)
March 5, 2026Why you should attend
1. SAVE ON TAXES
Learn how to save on taxes during retirement through smart strategies.
2. MINIMIZE RISK AND FEES
Discover ways to reduce risks and minimize fees to grow your retirement income.
3. EXPERT GUIDANCE
Get insights from professionals on protecting and growing your retirement savings.
Register Here
March 12, 2026 (1 event)
March 12, 2026Why you should attend
1. SAVE ON TAXES
Learn how to save on taxes during retirement through smart strategies.
2. MINIMIZE RISK AND FEES
Discover ways to reduce risks and minimize fees to grow your retirement income.
3. EXPERT GUIDANCE
Get insights from professionals on protecting and growing your retirement savings.
Register Here
March 19, 2026 (1 event)
March 19, 2026Why you should attend
1. SAVE ON TAXES
Learn how to save on taxes during retirement through smart strategies.
2. MINIMIZE RISK AND FEES
Discover ways to reduce risks and minimize fees to grow your retirement income.
3. EXPERT GUIDANCE
Get insights from professionals on protecting and growing your retirement savings.
Register Here
March 26, 2026 (1 event)
March 26, 2026Why you should attend
1. SAVE ON TAXES
Learn how to save on taxes during retirement through smart strategies.
2. MINIMIZE RISK AND FEES
Discover ways to reduce risks and minimize fees to grow your retirement income.
3. EXPERT GUIDANCE
Get insights from professionals on protecting and growing your retirement savings.
Register Here
Download Our Guides
Tax Planning Guide
Work To Reduce Your Taxes In This Year And The Future
Most retirees don’t realize how much in unnecessary taxes they could be paying—until it’s too late. This guide reveals how smart tax strategies can help you keep more of your retirement income and help prevent taxation from affecting your financial foundation.
Social Security Guide
Optimizing Social Security In Today’s World
Claiming Social Security at the wrong time could cost you tens of thousands over your retirement—and you may not even realize it. This guide shows how the right strategy can unlock more income, more security, and greater confidence in your financial future. Make sure you get what you’ve earned!
Browse Our Blog
Is a Roth IRA Conversion in Your Future?
Retirees aiming to reduce their taxes in retirement can benefit from strategic conversions and transfers between traditional and Roth Individual [...]
Estate Planning with ILITs, GRATs, and CRTs
Imagine this: Sarah and Robert, a retired couple in their late 60s, have spent decades building a comfortable life. Robert [...]
Back to the Basics of Retirement Accounts
Retirement accounts are a cornerstone of today’s retirement strategies. While everyone might recognize the terms “IRA” or “401(k),” it’s important [...]
What’s a Risk Score?
Risk tolerance is an investor’s ability to remain invested during downward market cycles in exchange for a potential return.
It’s important that investors understand their risk tolerance so that they can help guide the design of their investment strategy. This approach looks to balance the investor’s desire for returns goals with their ability to stay confident and invested throughout market cycles.
To help investors understand their risk threshold we deploy a proprietary algorithm rooted in the well-known Value at Risk (VaR) measurement that helps us quantify their sentiment toward financial uncertainty, specifically their emotional tolerance with respect to the magnitude and speed of potential investment loss. This Analysis provides them with a VaR Score that can help determine if their existing portfolio aligns with their risk tolerance.
Intelligent, Disciplined Investing
with AssetLock
AssetLock is Simplicity Wealth’s proprietary, investment portfolio monitoring service that delivers personalized communications to advisors and investors in a secure environment.
This technology keeps investors informed about the progression of their portfolio in accordance with their risk tolerance determined by the investor’s household portfolio VaR Score.
