How to Retire on Time

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. 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. 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.

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. 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.

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. 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.

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. 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.