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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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#510
Yesterday · 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
Thursday · 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
Thursday · 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
Wednesday · 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
Tuesday · 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
Monday · 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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#497
October 6 · 6 min
How to Plan Retirement Around an Inheritance You Might Not Get
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. 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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#496
October 5 · 18 min
The Bond Market Warning Sign Behind This Year's Market Jitters
Michael Decker, NSSA® walks through a widening gap between short-term and long-term interest rates that echoes the run-up to 2008. Plus two "would you rather" thought experiments that show how differently people judge risk once real dollars and timelines are on the table. 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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#495
October 2 · 5 min
Why Some People Don't Need to Do Roth Conversions
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. 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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#494
October 1 · 7 min
How You can Exit a Concentrated Company Stock Position
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. 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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#493
September 30 · 12 min
How to Schedule Withdrawals From a $750,000 401(k)
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. 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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#492
September 29 · 12 min
A Way to Think About a 403(b) Rollover
Michael Decker, NSSA® answers a viewer question on an in-service 403(b) rollover, an index annuity, and withdrawal order, and why the real first question isn't about the account at all. 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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