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How to Retire on Time

Kedrec Wealth

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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#517
Thursday · 3 min
When Roth Conversions Might Not Be the Right Move
When online advice treats Roth conversions as a must, Michael Decker, NSSA® explains how the standard deduction and lower brackets can change the math for some people. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#516
Wednesday · 5 min
When a MYGA Ladder Meets a Bond Ladder
When money is needed within five years, Michael Decker, NSSA® explains how a MYGA ladder, a bond ladder, and a buffered ETF can differ, and why defining the mission comes first. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#515
Tuesday · 11 min
When a Note Can Offer Principal Protection
When a product promises protection and upside, Michael Decker, NSSA® walks through how structured notes work, where the risks sit, and how TIPS compare. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#514
Monday · 7 min
When Do Alternatives Belong in Your Portfolio?
When stocks and bonds are not the whole picture, Michael Decker, NSSA® explains where alternatives like real estate, private equity, and gold can fit, and what getting out can look like. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#513
October 28 · 5 min
When Can a Medigap Plan Deny You?
When a plan looks cheaper now and switching later sounds simple, Michael Decker, NSSA® explains how the Medigap enrollment window at 65 can change what happens next. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#512
October 26 · 5 min
Why Healthcare Costs Keep Rising
When healthcare premiums keep climbing, Michael Decker, NSSA® explains why he treats healthcare as a cost to plan for, not an investment, and why a cost-of-living adjustment belongs in the plan. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#510
October 23 · 6 min
Is Long-Term Care Insurance Worth It?
When long-term care insurance is sold on fear, Michael Decker, NSSA® explains how a break-even view and peace of mind can each be a fair reason to decide. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#509
October 22 · 2 min
How Do Survivor Benefits Work?
When a spouse passes, Michael Decker, NSSA® explains how a survivor benefit and a person’s own retirement benefit can be treated as two separate choices. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#511
October 22 · 8 min
Can You Plan for the Widow Tax?
When one spouse passes and the household becomes a single filer, Michael Decker, NSSA® explains how a plan can account for it years ahead. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#508
October 21 · 6 min
Is Two Years of Reserves Enough?
When a portfolio is all in stocks with two years of income set aside, Michael Decker, NSSA® explains how a timeline view of fixed, index, and variable money can reshape the question. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#507
October 20 · 4 min
When Tax Law Is Written in Pencil
When tax brackets can change with new legislation, Michael Decker, NSSA® explains why he benchmarks the effective tax rate instead of chasing the lowest bill. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#506
October 19 · 20 min
What Does Social Security Insolvency Mean?
When headlines say Social Security is insolvent, Michael Decker, NSSA® explains what the word means, which fixes have been floated, and where filing decisions fit. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#505
October 16 · 3 min
When Your CDs Mature and Inflation Lingers
When your CDs mature and inflation is still a concern, Michael Decker, NSSA® explains how your timeline can shape the choice between fixed and indexed options. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#504
October 14 · 9 min
Where Does Social Security Belong in Your Plan?
When maximizing Social Security and maximizing quality of life are not the same goal, Michael Decker, NSSA® explains where filing fits in a plan. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#503
October 13 · 16 min
When Inflation Risk and Market Risk Collide
When lowering market risk can raise inflation risk, Michael Decker, NSSA® explains where reserves fit, including for a viewer around age 50. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#502
October 12 · 35 min
When Maxing Out a Bracket Misses the Point
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. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#500
October 9 · 6 min
How to Actually Balance Risk and Protection in Retirement
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. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#499
October 8 · 6 min
Why Just Buying the S&P 500 Does Not Solve Retirement Math
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. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#501
October 7 · 8 min
What to Do With Your Money Five Years Before Retirement
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. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#498
October 7 · 13 min
A Way to Decide Whether You Actually Need an Annuity
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. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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