How to Retire on Time

There's a simple test that separates a real financial planner from someone just collecting a fee to watch your portfolio. Mike lays it out, plus the one line that sums up his entire philosophy on retirement risk.The following is from Mike’s weekly webinar.Click Here to join the next one.Ready to build a retirement plan around your life, not a product?  Get the free book and tools 👉 RetireOnTime.com/Free  This is for educational purposes only and is not financial advice. 

From annuity RMDs to inherited IRA deadlines to which spouse should convert first, Mike untangles three of the most confusing tax questions retirees ask him every week.The following is from Mike’s weekly webinar.Click Here to join the next one.Ready to build a retirement plan around your life, not a product?  Get the free book and tools 👉 RetireOnTime.com/Free  This is for educational purposes only and is not financial advice. 

The economist who won a Nobel Prize for inventing the 60/40 portfolio didn't actually put his own retirement money into it — here's what he did instead.The following is from Mike’s weekly webinar. Click Here to join the next one.Ready to build a retirement plan around your life, not a product?  Get the free book and tools 👉 RetireOnTime.com/Free  This is for educational purposes only and is not financial advice.

The following is a clip from Mike’s weekly live show on Zoom.  Forget the debate over whether Roth conversions are good or bad — Mike says there's really only one number that should make the call for you.Ready to build a retirement plan around your life, not a product?  Get the free book and tools 👉 RetireOnTime.com/Free  This is for educational purposes only and is not financial advice. 

The following is a clip from Mike’s weekly live show on Zoom.  Mike walks through the entire lineup of tools retirees can use to dodge market risk that has nothing to do with bonds, most of which most advisors never mention.Ready to build a retirement plan around your life, not a product?  Get the free book and tools 👉 RetireOnTime.com/Free  This is for educational purposes only and is not financial advice. 

The following is a clip from Mike’s weekly live show on Zoom.  A real listener's question about which account to withdraw from first turns into a masterclass on saving tens of thousands in taxes and healthcare premiums most retirees never claim.Ready to build a retirement plan around your life, not a product?  Get the free book and tools 👉 RetireOnTime.com/Free  This is for educational purposes only and is not financial advice. 

The following a clip from Mike's weekly live show on Zoom. Mike breaks down the exact mechanics that could pop the AI bubble, then flips the whole conversation with one line: risk isn't a feeling, it's a math problem about time.Ready to build a retirement plan around your life, not a product?  Get the free book and tools 👉 RetireOnTime.com/Free  This is for educational purposes only and is not financial advice. 

The following a clip from Mike's weekly live show on Zoom. Mike overhears two very different retirees in a bakery line, and the contrast reveals why the most confident-sounding advice in the market right now might be the most dangerous.Ready to build a retirement plan around your life, not a product?  Get the free book and tools 👉 RetireOnTime.com/Free  This is for educational purposes only and is not financial advice. 

The following is a clip from Mike's weekly show. A listener defends his annuity rider, and Mike publicly disagrees with him on air instead of just nodding along.Ready to build a retirement plan around your life, not a product?  Get the free book and tools 👉 RetireOnTime.com/Free This is for educational purposes only and is not financial advice. 

The following is a clip from Mike's weekly show. Mike walks through a real dollar-amount scenario showing how a market crash can actually hand you a tax advantage most retirees never use.Ready to build a retirement plan around your life, not a product?  Get the free book and tools 👉 RetireOnTime.com/Free This is for educational purposes only and is not financial advice. 

The following is a clip from Mike's weekly show. The guy who sells annuities just told his own audience not to buy too much guaranteed income, and the reason why flips the usual retirement advice on its head.Ready to build a retirement plan around your life, not a product?  Get the free book and tools 👉 RetireOnTime.com/Free This is for educational purposes only and is not financial advice. 

The following is a clip from Mike's weekly show. One word retirees use to describe their money is quietly costing them thousands.Ready to build a retirement plan around your life, not a product?  Get the free book and tools 👉 RetireOnTime.com/Free  This is for educational purposes only and is not financial advice.

The following is a clip from Mike's weekly show. One word retirees use to describe their money is quietly costing them thousands.Ready to build a retirement plan around your life, not a product?  Get the free book and tools 👉 RetireOnTime.com/Free  This is for educational purposes only and is not financial advice.

The real question isn't how much cash you need, it's which of the three reserve strategies fits your retirement so a market crash never forces your hand.Ready to build a retirement plan around your life, not a product?  Get the free book and tools 👉 RetireOnTime.com/Free This is for educational purposes only and is not financial advice. 

When one spouse passes, the surviving spouse doesn't just lose income, they get bumped into a higher tax bracket, lose one Social Security check, and watch their Medicare costs climb.Ready to build a retirement plan around your life, not a product?  Full episodes on all podcast platforms. Search Retire On Time.  This is for educational purposes only and is not financial advice. 

Living off dividends sounds like the perfect retirement plan until Mike shows you exactly where the leak is.Ready to build a retirement plan around your life, not a product?  Get the free book and tools 👉 RetireOnTime.com/Free This is for educational purposes only and is not financial advice. 

Your checking account, your brokerage, and your 401k are three completely different jobs, and treating them the same way is one of the most expensive mistakes in retirement.Ready to build a retirement plan around your life, not a product?  Get the free book and tools 👉 RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

The CAPE ratio is sitting where it sat right before the 2000 crash, and if history repeats, a 50% drop means you need 100% back just to break even.Ready to build a retirement plan around your life, not a product?  Get the free book and tools 👉 RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

Your retirement plan has a number, but it doesn't have an answer for the four things you'll lose the day you stop working.Ready to build a retirement plan around your life, not a product?  Get the free book and tools 👉 RetireOnTime.com/Free  This is for educational purposes only and is not financial advice.

Mike breaks down the bear market protocol live, the three-move strategy that turns a market crash into an opportunity, and explains why most retirees don't have one.Most retirement plans are built around products, not your life. Ours isn't. 📚 Free book + audiobook + retirement calculator + weekly live Q&A Grab yours free 👉 RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

Most retirement plans aren't derailed by market crashes. They're quietly drained by five small inefficiencies most advisors never mention.Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, when does tax planning really make a noticeable difference in a retirement plan?” Discover how tax planning decisions can impact your income strategy and the long-term efficiency of your plan. Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, can you retire with $250,000?”  Discover how structuring your income, taxes, and portfolio the right way may matter more than the total amount you’ve saved. Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, how much should I have saved at 55 years old?” Discover why focusing on a number can be misleading and how your retirement plan should be built around your income goals and lifestyle instead. Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com   

Hey, Mike. If you can’t beat the market, then why doesn’t Warren Buffet just invest in the market. Discover why investing with purpose and managing downside risk can be more important than trying to match the market every year. Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com   

 Mike builds a retirement plan using Claude and ChatGPT.Discover why building reliable retirement income takes more than data and how proper planning makes the difference. Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com   

“Hey Mike. How can you do tax planning when the rules keep changing?”Discover how to balance future uncertainty with today’s tax rules. Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com   

“Hey Mike. I have a rollover IRA account that was set up 15 years ago that has all mutual funds. Is it worth it to switch everything over to ETFs?”Discover which path may be best for you. Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com   

“Hey Mike. How do you know if you should sell something at a loss and move on or if you should hold on and wait?” Discover the guiding principles when trying to decide if you should hold a and investment or sell it and move on. Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com   

“Hey Mike, Warren Buffett said he would hold stocks even if it were World War three, would you?”  Discover how to think about stocks during uncertain times and why having the right strategy matters. Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com   

“Hey Mike, how long does $2,000,000 last in retirement?” Discover why retirement isn’t just about hitting a number. It's about starting with the lifestyle you want and then build your plan/portfolio around that goal. Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com   

“Hey, Mike. I’m having a hard time understanding how income planning affects healthcare planning. Can you elaborate?” Discover how coordinating your income, taxes, and healthcare strategies can help you get more out of your money. Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com   

“Hey Mike, is it better to sell your rental properties with renters in it or when it is vacant?” Discover how local laws, cash flow, and property conditions impact whether selling with tenants or vacant leads to a better outcome. Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com   

“Hey Mike, what’s the best way to plan for rising healthcare costs?” Explore the key strategies for managing rising healthcare costs, including insurance options, investment approaches, and how to balance risk across your overall retirement plan. Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com 

Description: “Hey Mike, how come my friends are getting better annuities today? Is there anything I can do to switch my payout?” Learn how changing market conditions impact returns across investments and why different strategies like annuities or real estate can perform better in different environments. Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com  

From the comments… “REITs are garbage. Take a look at performance vs any index fund.. VOO, QQQM, anything. Stop it.” Learn how different investments perform in different market conditions and why comparing strategies like annuities, real estate, and index funds requires the right context. Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com  

Description: “Hey Mike, I am behind on my retirement savings. What should I do?”  Learn why taking more risk isn’t the answer and how to strategically catch up on retirement savings in today’s market environment. Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, I missed my RMD. What do I do next?“Discover what to do if you missed your RMD in retirement.Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, I’m looking to buy my retirement house first, and then eventually sell my current house. How do you line this all up?“Discover ways to sell your current home and move into your retirement home. Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, I just got my tax return done. What should I be looking for?“ Discover what to look for when you review your tax return. Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, what’s one tax minimization strategy that often gets overlooked in retirement?“ Discover a few strategic ways you could minimize taxes in retirement.  Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, what is the easiest way to break through all the jargon and compare income strategies for a soon-to-be retiree?“ Discover three ways you could structure income in retirement. Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, what do you use to create a retirement income ladder?“ Discover different investments and products that you could use if you wanted to ladder out income in retirement.Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, is it worth moving to a tax-free state in retirement?“ Discover how where you live can make a difference in retirement.  Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com   

“Hey Mike, can you explain why my indexed annuity lowered its rates and now I’m stuck with no growth?“ Discover some of the reasons why an insurance company would lower their rates mid-contact. Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com   

“Hey Mike, can you recommend an easy to managed portfolio for a DIY investor about to retire?“Discover different ways you could design your portfolio in retirement (not investment advice). Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, does it make sense to diversify your retirement income streams? If yes, can you give some examples?“ Discover the benefits and detriments with different retirement income strategies. Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com 

Special Edition - Join Michael Decker as he discusses the first, and often missed step in retirement planning with Richard Himmer, PhD. Discover the three most important relationships to have and the five activities that help support a meaningful and happy retirement.Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, I lost my job, I think I can afford to retire, but I don’t what to. How would you build a plan that allows me to go back to work every now and then?”Discover the different ways you can determine if you should retire now, take a year off, or bridge the gap between now and when you get the next right job.Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, how do you plan for healthcare if you retire before 65?” Discover how tax planning can influence your healthcare expenses before 65 years old.Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com