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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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29 episodes
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#470
Tuesday · 9 min
Tax Brackets Matter Less Than People Realize
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. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This content is for educational purposes only and is not financial advice.
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#469
Monday · 16 min
When Roth Conversion Don’t Apply in Retirement
Many advisors talk about converting to a Roth before taxes go up. Michael Decker, NSSA® says most retirees with a million dollars or less should be doing something else entirely. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This content is for educational purposes only and is not financial advice.
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#468
Friday · 10 min
The Tax Bill Landlords Don't See Until They Sell
Selling a rental property can trigger a bigger tax bill than most landlords expect, and Mike Decker walks through two lesser known ways to exit instead. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#467
August 26 · 11 min
Why Income Order Matters More Than the Amount
One line on your tax return could be quietly costing you thousands a year, and Mike Decker ties it straight into the biggest Social Security filing mistake he sees. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#466
August 25 · 12 min
Two Risks Retirement Calculators Don't Warn You About
A question about retiring in your fifties and a question about hyperinflation turn out to have the exact same answer. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#465
August 24 · 24 min
Why "I'm Comfortable With Risk" Is the Wrong Answer
Every retiree says the same four words about risk tolerance, and Mike Decker says all four of them miss the point. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#464
August 21 · 5 min
Planning For When One Spouse Passes First
There's a retirement conversation almost no one wants to have. Skipping it is exactly how a surviving spouse ends up blindsided by taxes and decisions they were never part of. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#463
August 20 · 15 min
Why There's No Flowchart For Your Annuity Taxes
There's a version of the answer that would let you pay the least possible tax on your retirement money. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#462
August 19 · 11 min
We Asked AI About Long-Term Care Insurance
Live on the show, we asked an AI chatbot whether you should buy long-term care insurance. Its answer says a lot about why this decision trips up almost everyone. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#461
August 18 · 16 min
The Retirement-Income Ad That's Actually Two Red Flags
There's a specific kind of retirement-income ad that sounds like a great deal, and once you see why it isn't, you'll spot it everywhere. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#460
August 17 · 14 min
The Biggest Retirement Mistake Isn't About Money
The single biggest factor in whether a retirement plan actually holds up has almost nothing to do with the portfolio inside it. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#459
August 14 · 6 min
Is There Really A Safe Retirement Withdrawal Rate?
The withdrawal number most retirees have memorized might be based on market conditions that no longer exist. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#458
August 12 · 13 min
The Long-Term Care Decision Most People Get Wrong
There are at least four different ways to plan for long-term care costs, and the one most people assume is the "safe choice" usually isn't the best 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, access to tools, and more👉 https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#457
August 11 · 15 min
The One Thing Nobody Tells You About Annuities
An income annuity isn't actually an investment at all, and once you see what it really is, the whole "annuities are good or bad" debate stops making sense. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#456
August 10 · 26 min
The Retirement Planning Order Almost Nobody Actually Follows
Most retirement plans start with picking a product. This breaks down why that's backwards, and walks through the order that's supposed to come first, illustrated with a real client's numbers. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#455
August 7 · 12 min
How to Tell If Your Financial Advisor Is Actually Planning or Just Managing Your Money
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. Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#454
August 5 · 10 min
RMDs, Inherited IRAs, and Roth Conversions: The Questions Nobody Explains Clearly
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. Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#453
August 3 · 38 min
The Nobel Prize Winner Who Didn't Follow His Own Portfolio Strategy
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. Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.
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#452
August 1 · 12 min
The One Tax Number That Should Decide If You Convert to a Roth
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.
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#451
July 30 · 11 min
Every Way to Lower Your Portfolio Risk Without Buying a Single Bond Fund
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.
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