How to Retire on Time
Welcome to How to Retire on Time, a show that answers your retirement questions. Say goodbye to the oversimplified advice you've heard hundreds of times. This show is about getting into the nitty-gritty so you can make better decisions as you prepare for retirement. Text your questions to 913-363-1234 and we'll feature them on the show. Don't forget to grab a copy of the book, How to Retire on Time, or check out our resources by going to www.retireontime.com.
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When Maxing Out a Bracket Misses the Point
<p>When moving income at a higher bracket looks like the better deal, Michael Decker, NSSA® explains how the effective tax rate can tell a different story.</p><p>The following is from Mike’s weekly webinar.</p><p>Ready to build a retirement plan around your life, not a product? <br>Get the free book and tools 👉https://RetireOnTime.com/Free <br> <br>This is for educational purposes only and is not financial advice. </p>
How to Actually Balance Risk and Protection in Retirement
<p>Michael Decker, NSSA® answers a viewer question on balancing risk and protection using a food-storage analogy, splitting a portfolio into smaller pieces that each have their own job instead of one blended mix.</p><p>The following is from Mike’s weekly webinar.</p><p>Ready to build a retirement plan around your life, not a product? <br>Get the free book and tools 👉https://RetireOnTime.com/Free <br> <br>This is for educational purposes only and is not financial advice. </p>
Why Just Buying the S&P 500 Does Not Solve Retirement Math
<p>Michael Decker, NSSA® responds to a viewer who says the math only works with stocks and the S&P 500, and the risk that gets left out when withdrawals start during a down market.</p><p>The following is from Mike’s weekly webinar.</p><p>Ready to build a retirement plan around your life, not a product? <br>Get the free book and tools 👉https://RetireOnTime.com/Free <br> <br>This is for educational purposes only and is not financial advice. </p>
What to Do With Your Money Five Years Before Retirement
<p>Michael Decker, NSSA® answers a viewer question on repositioning savings five years from retirement, and why shopping around matters here as much as anywhere else.</p><p>The following is from Mike’s weekly webinar.</p><p>Ready to build a retirement plan around your life, not a product? <br>Get the free book and tools 👉https://RetireOnTime.com/Free <br> <br>This is for educational purposes only and is not financial advice. </p>
A Way to Decide Whether You Actually Need an Annuity
<p>Michael Decker, NSSA® walks through how to decide if an annuity fits your plan before shopping for one, then answers a follow-up question on timing IRA to Roth conversions for an inherited account.</p><p>The following is from Mike’s weekly webinar.</p><p>Ready to build a retirement plan around your life, not a product? <br>Get the free book and tools 👉https://RetireOnTime.com/Free <br> <br>This is for educational purposes only and is not financial advice.</p>
How to Plan Retirement Around an Inheritance You Might Not Get
<p>Michael Decker, NSSA® answers a viewer question on planning retirement income around a future inheritance, and why treating it as a backup plan works better than counting on it.</p><p>The following is from Mike’s weekly webinar.</p><p>Ready to build a retirement plan around your life, not a product? <br>Get the free book and tools 👉https://RetireOnTime.com/Free <br> <br>This is for educational purposes only and is not financial advice. </p>
The Bond Market Warning Sign Behind This Year's Market Jitters
<p>Michael Decker, NSSA® walks through a widening gap between short-term and long-term interest rates that echoes the run-up to 2008. <br>Plus two "would you rather" thought experiments that show how differently people judge risk once real dollars and timelines are on the table.</p><p>The following is from Mike’s weekly webinar.</p><p>Ready to build a retirement plan around your life, not a product? <br>Get the free book and tools 👉https://RetireOnTime.com/Free <br> <br>This is for educational purposes only and is not financial advice. </p>
Why Some People Don't Need to Do Roth Conversions
<p>Michael Decker, NSSA® answers a viewer question on why some people don't need IRA to Roth conversions even as taxes go up, and the one number he says actually matters.</p><p>The following is from Mike’s weekly webinar.</p><p>Ready to build a retirement plan around your life, not a product? <br>Get the free book and tools 👉https://RetireOnTime.com/Free <br> <br>This is for educational purposes only and is not financial advice.</p>
How You can Exit a Concentrated Company Stock Position
<p>Michael Decker, NSSA® answers a viewer question on selling company stock that makes up over half their savings, and three ways to manage the tax bill along the way.</p><p>The following is from Mike’s weekly webinar.</p><p>Ready to build a retirement plan around your life, not a product? <br>Get the free book and tools 👉https://RetireOnTime.com/Free <br> <br>This is for educational purposes only and is not financial advice.</p>
How to Schedule Withdrawals From a $750,000 401(k)
<p>Michael Decker, NSSA® answers a viewer question on withdrawing from a $750,000 401(k) at 65, and tells a CVS receipt story he uses to explain wasted tax breaks.</p><p>The following is from Mike’s weekly webinar.</p><p>Ready to build a retirement plan around your life, not a product? <br>Get the free book and tools 👉https://RetireOnTime.com/Free <br> <br>This is for educational purposes only and is not financial advice.</p>
