How to Retire on Time

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.  

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.  

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.  

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...

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....

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 ad...

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...

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.  

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.  

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.  

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 edu...

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 i...

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 ad...

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 pur...

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 no...

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 b...

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 financia...

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 a...

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 advic...

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 a...

Michael Decker, NSSA® walks through how much of the market's growth is riding on a handful of AI-related companies, and shares the story of the day he learned about risk the hard way, three stories up. 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.  

Michael Decker, NSSA® answers a viewer question on the widow tax, and why a surviving spouse can end up taxed at close to double the rate on roughly the same income. 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...

Michael Decker, NSSA® answers a viewer question on what a financial advisor can actually offer that you can't get on your own, and where that access matters most. 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 adv...

Michael Decker, NSSA® answers a viewer question on how Social Security timing can affects the rest of a retirement plan, well beyond just maximizing the benefit itself. 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 financi...

Michael Decker, NSSA® answers a viewer question on tax planning for retirement savings under $1 million, and why the right approach is more subtle than it looks. 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 advi...