How to Retire on Time

“Hey Mike, what happened to gold and silver?" Discover a basic overview of why Gold and Silver dropped and what could happen moving forward. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, what’s a retirement regret you saw in 2025?” Discover two common regrets from many soon-to-be retirees from 2025. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

"Hey Mike, how do you coordinate the financial part of retirement with everything else?” Discover why you should plan your lifestyle before you plan your income and general financial plan. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, to keep things simple, could the 60/40 split work for a retiree?”  Discover why simplicity could be dangerous if it ignores certain risk factors. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, what’s the purpose of a financial planner?”  Discover when you may want to work with a financial advisor, and when it may not make sense. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, if an annuity can offer me 7% or more as guaranteed lifetime income, why wouldn’t I take it?”  Discover what those guarantees actually mean and how to evaluate whether they fit into a real retirement plan.  **Please note, 7% is based on a submitted question and not a verified product or offering. Annuity contacts and offers change over time.** Text your questions to 913-363-1234.  Reque...

“Hey Mike, I have less than $1,000,000 saved for retirement. How does that change things as I prepare for retirement?”  Discover why those who have less should plan differently than those who have more saved for retirement. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, are 529 plans the best way to fund grandkids’ education?”  Discover when 529s make sense and when you may want to consider other strategies with more flexibility. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, what are different ways you can generate income from real estate without being a landlord?”  Discover different ways to include real estate in your retirement portfolio. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, how can you claim that a lower average return can grow your money more overall? That doesn’t make any sense.”  Discover how sequence of returns, volatility, and behavior may matter more than headline performance. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, can you walk through your planning process order and why you believe it needs to be that way? I’m a dividend investor and am building my plan around my portfolio, which you say is not the right way to go about it.”  Discover why your lifestyle expectations and tax strategies should come before investments. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to ww...

“Hey Mike, my 401k is now offering lifetime income as a payout option. Isn’t that basically an annuity?”  Discover the different structured payout options you could use in retirement.  Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, can you explain how indexed annuities work, how to plan with them, and so on?”  Discover the good, the bad, and the ugly of indexed annuities, and when they may make sense as a part of your plan. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, where are good places to shop for fixed rate products?”  Discover how to compare product options and where to look. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, how do you plan around IRMAA?”  Discover how income timing, withdrawals, and tax strategy can help reduce IRMAA exposure. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, how should we react to the already crazy start to the new year?”  Discover how to stay disciplined when headlines, volatility, and emotion collide. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, if you’re 50 years old and are just starting to save for retirement, what would you do?”  Discover a realistic, no-panic framework that can help you catch up. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, what should I be looking for this year as I file my taxes?”  Discover common missed opportunities, red flags, and planning insights hidden in your tax return. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, is it better to take social security late or take it before you need it and then invest it?”  Discover how longevity, taxes, and guaranteed income can change the math. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, if you have enough income coming in, what do you recommend that you do with the extra cash flow?”  Discover how to prioritize your extra cash flow when you consider taxes, liquidity, and legacy goals. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, how does a financial plan work? Can you give realistic expectations?”  Discover what Mike believes a retirement plan should include, and what many people are surprised to learn once they start the planning process. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, I want to retire, but I’m having a hard time spending my money.”   Discover ways to make sense in your mind of your retirement income, potential portfolio growth, and expenses in retirement. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, is there ever a situation where you should keep your debt when you retire?“  Discover when debt can be strategic and when it becomes a silent risk. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, if you are 2 to 5 years from retirement, is it wise to keep investing in growth?”  Discover how to balance growth, protection, and liquidity as retirement approaches. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, what should I be looking for in my 1040 this year as I file my taxes?“  Discover how your tax return reveals planning opportunities many people overlook. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com