How to Retire on Time

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 educatio...

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 finan...

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...

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 purpose...

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...

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 finan...

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 fi...

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 edu...

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/Fr...

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...

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 finan...

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. 

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 f...

The following is a clip from Mike’s weekly live show on Zoom.   A real listener's question about which account to withdraw from first turns into a masterclass on saving tens of thousands in taxes and healthcare premiums most retirees never claim. 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 purpo...

The following a clip from Mike's weekly live show on Zoom.  Mike breaks down the exact mechanics that could pop the AI bubble, then flips the whole conversation with one line: risk isn't a feeling, it's a math problem about time. 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 n...

The following a clip from Mike's weekly live show on Zoom.  Mike overhears two very different retirees in a bakery line, and the contrast reveals why the most confident-sounding advice in the market right now might be the most dangerous. 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...

The following is a clip from Mike's weekly show.  A listener defends his annuity rider, and Mike publicly disagrees with him on air instead of just nodding along. 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. 

The following is a clip from Mike's weekly show.  Mike walks through a real dollar-amount scenario showing how a market crash can actually hand you a tax advantage most retirees never use. 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. 

The following is a clip from Mike's weekly show.  The guy who sells annuities just told his own audience not to buy too much guaranteed income, and the reason why flips the usual retirement advice on its head. 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.