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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Which is better, lifetime income from an annuity or a bond?
<p>There is no such thing as a perfect investment, product, or strategy, which is why the comparison between a 30-year treasury vs an indexed annuity is so interesting. <br>Michael Decker, NSSA® takes a viewer question comparing a 30-year treasury bond to an annuity, and when you would consider one or the other and vice versa. </p><p>The following is from Mike’s weekly webinar.</p><p>Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free <br> <br>This is for educational purposes only and is not fin...
Why the Surviving Spouse Carries More Risk
<p>Michael Decker, NSSA® walks through the tax risk, longevity risk, healthcare risk, and other risks unique to the spouse who lives longer, and what many people miss when putting together a retirement plan. </p><p><br>The following is from Mike’s weekly webinar.</p><p><br></p><p>Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free </p><p> </p><p>This is for educational purposes only and is not financial advice. </p>
What If It Takes Year To Recover From a Market Crash
<p>Michael Decker, NSSA® takes on a market-crash reserves question and a Roth conversion sizing question back-to-back, and why the right answer to each one depends entirely on the person asking.</p><p><br></p><p>The following is from Mike’s weekly webinar.<br><br></p><p>Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free </p><p> </p><p>This is for educational purposes only and is not financial advice. </p>
How Retirees Plan for Healthcare Before Medicare Kicks In
<p>Michael Decker, NSSA® answers a viewer question on retiring before 65, and how the options for covering healthcare before Medicare actually compare.</p><p><br></p><p>The following is from Mike’s weekly webinar.<br><br></p><p>Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free </p><p> </p><p>This is for educational purposes only and is not financial advice.</p>
Why Complicated Doesn’t Mean Better
<p>Michael Decker, NSSA® breaks down complicated investments like non-traded REITs, private credit, structured notes, and gold and crypto pitches, and the risk that gets left out of the sales pitch for each one.</p><p><br></p><p>The following is from Mike’s weekly webinar.</p><p>Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free </p><p> </p><p>This is for educational purposes only and is not financial advice. </p>
How to Retire on Time, 9/1/26
<p>Michael Decker, NSSA® walks through annuities, options trading, and "be your own bank" life insurance, what that word "guaranteed" does and doesn't actually promise, and much more. </p><p>Discover why you need a plan first, and then you can figure out which products are right for you and which products are wrong for you. </p><p>The following is from Mike’s weekly webinar.</p><p>Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free <br> <br>This is for educational purposes only and is not financ...
What Happens to Your IRA After You're Gone
<p>Two viewers ask about protecting their money after death, one from Medicaid and one from the IRS. The answers are more restrictive than either expected.</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, access to tools, and more👉 https://RetireOnTime.com/Free <br> <br>This content is for educational purposes only and is not financial advice. </p>
When Roth Conversions Might Not Be the Right Move
<p>A high income earner asks about all the Roth conversion hype, and Michael Decker, NSSA® explains why her situation is when that advice falls apart.</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, access to tools, and more👉 https://RetireOnTime.com/Free <br> <br>This content is for educational purposes only and is not financial advice. </p>
When Your Advisor Fees Are More Than Your Tax Bill
<p>Michael Decker, NSSA® runs the numbers on a million-dollar retirement account and shows how the advisor fee is twice as expensive as what the government actually charged.</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, access to tools, and more👉 https://RetireOnTime.com/Free <br> <br>This content is for educational purposes only and is not financial advice. </p>
Tax Brackets Matter Less Than People Realize
<p>There’s more to tax planning than looking at your income tax brackets Discover the different ways to take income and how to get the most out of your money while navigating different types of tax brackets.</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, access to tools, and more👉 https://RetireOnTime.com/Free <br> <br>This content is for educational purposes only and is not financial advice. </p>
