How to Retire on Time

“Hey Mike, is it better to rent or buy a home in retirement?”Discover the benefits and detriments of renting, buying, and buying with low maintenance. Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com  

“Hey Mike, is it true that Roth Income affects your social security taxes bracket?”Discover how your Social Security benefits are calculated and if your Roth IRA income affects those calculations. Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com  

“Hey Mike, I want guaranteed income for the first few years of retirement, not for life. Is a bond ladder the best strategy?”Discover different ways you would set up your retirement income strategy for the first five years of your retirement without depending on lifetime income streams from annuities. Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime....

“Hey Mike, I tried to calculate my 401k fees and it looks like I’m paying around 3%. Is that even possible?” Discover the different types of fees that may be a part of your 401(k) plan and what you can do about it.  Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com  

“Hey Mike, why did the market go up after Iran was bombed? I even the potential or war would crash the market.” Discover why war may not affect the market as you would expect and what to look for instead.    Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com  

“ Hey Mike, can you explain what you mean by “self-insuring?” Discover what it means to “self-insure” and when it may make sense.  Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.yourwealthanalysis.com  

“Hey Mike, what are ways you’ve seen people give to their kids and grandkids?” Discover several ways you can give to your kids and grandkids while you are alive and when they may need it more.  Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.yourwealthanalysis.com  

“ Hey Mike, I just sold my business for five million dollars. What do you typically recommend someone like me do next?” Discover the behavioral risks when you receive a large sum of money from selling a business, receiving a large inheritance, or even winning the lottery.   Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.yourwealthanalysis.com  

“Hey Mike, I’m being told by others that 8% works as a retirement withdrawal rate. Is that true?”  Discover why the high withdrawal rates are becoming more popular and why they may be more dangerous than you realize.     Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.yourwealthanalysis.com  

“Hey Mike, can you breakdown fees, where to find them, and how to build a good portfolio while being mindful of fees?” Discover various types of fees and where to find so you can determine if you are getting the value expected for the amount of money you pay in fees each year.  Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.yourwealthanalysis.com  

“Hey Mike, how do you prepare for Social Security potentially going away?” Discover what really drives Social Security benefits and why you shouldn’t be as concerned about Social Security solvency as others would have you believe.   Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.yourwealthanalysis.com

"Hey Mike, do you think inflation is under control?” Discover why Mike believes inflation could come roaring back and how to prepare for the potential risk.   Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.yourwealthanalysis.com

“Hey Mike, I’m a college athlete that is about to get paid. I don’t want to go broke like so many other athletes. Any tips on how to keep your money?” Discover why many athletes go broke and what can be done to help prevent it from happening.   Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.yourwealthanalysis.com

“Hey Mike, how come financial advisors make money, even when the client loses money?” Discover the reason why advisors charge a flat rate or a percentage-based fee for their services and how to determine if you are getting your money’s worth with the amount you are paying in fees.  Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.yourwealthanalysis.com

“Hey Mike, I’m scared about the market and am all in cash and short-term CDs. What risks, if any, do you think I am taking by doing this?” Discover how cash can crash when inflation hits and why it may be more difficult to recover from hyperinflation than an actual market crash.   Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.yourwealthanalysis.com

"Hey Mike, can I use CDs and Treasuries only for my reservoir?" Discover risks associated with CDs, Treasuries, and other fixed interest investments/products, and what you could do instead.  Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.yourwealthanalysis.com  

"Hey Mike, how do you prepare for a potential currency collapse?" Discover places you could put your money in case the United States dollar continues to go down in value.  Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.yourwealthanalysis.com  

"Hey Mike, can you breakdown how the Big Beautiful Bill will affect those in retirement?" Discover some of the ways the Big Beautiful Bill could affect your retirement for better and for worse based on what is in the current version.  Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.yourwealthanalysis.com  

"Hey Mike, I’m concerned about the next market crash. I don’t want to try and time the market, but it still keeps me up at night. Any tips?" Discover the problems with trying to time the market or sitting in cash based on a feeling.  Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.yourwealthanalysis.com  

"Hey Mike, do I really need $1.26 million dollars to retire comfortably?” Discover why you may be seeing random numbers and goals in financial services advertisements. Also, uncover the problem associated with these oversimplified claims and why you should dive into the details of your own financial situation.  Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.you...

"Hey Mike, I have been retired for a number of years now. What are some ways retirees can stay active and engaged in their communities after leaving the workforce?" Discover some non-financial aspects of retirement that may need to be addressed if you want to live a long, healthy, and happy life.  Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.yourwealthanalysi...

Hey Mike, My spouse and I have different ideas of how much risk we should be taking when it comes to investing our retirement funds. How can we find a balance that works for both of us?” Discover how to address a divide in risk tolerance and find a solution that works for all parties involved. 

Hey Mike, I just retired this month and have an outstanding retirement loan (against my 401k) with a balance of $8,000.00. The payment is $680.00 per month. I’d like to stop paying that. What is the best way to handle this outstanding balance - default or pay myself back with my portfolio?” Discover how to address if you should pay the loan off quickly or if it makes sense to pay it off slowly. Al...

“ Hey Mike, is AI better than an advisor at making trades and managing a portfolio?” Discover how Wall Street has been using “AI” for decades and how it may not drastically change their abilities. Also, learn how the average investor may increase their risk by using AI for themselves without sufficient experience or understanding (the Dunning Kruger Effect).  Text your questions to 913-363-1234. R...

“ Hey Mike, should I be buying and holding stocks, or investing in cheap S&P 500 ETFs like SPY and VOO for the long term?” Discover the difference between buying individual stocks vs buying an index and holding it for a long-term period of time.  Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.yourwealthanalysis.com