How to Retire on Time

“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 

“Hey Mike, how do you navigate helping your kids enter adulthood while saving for retirement and taking care of your parents?“  Discover how to set boundaries, prioritize goals, and avoid financial burnout. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, many of my friends have fired their advisors, put everything in the S&P 500, and are now dollar-cost-averaging out of the market to generate income. Does that strategy really work?“  Discover the hidden risks behind popular “DIY retirement income” strategies. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, is long-term care insurance worth buying at my age, or should I self-insure?”  Discover the different ways you could prepare for long-term care expenses in retirement, and the benefits and detriments of each option. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, how do I calculate what my actual monthly expenses will be in retirement?”  Discover why your monthly expenses may change when you retire, and how to figure out how much that could be. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, I have both a traditional IRA and a Roth IRA - which one should I pull from first in retirement?”  Discover which type of account you may want to favor first and when it may make sense to blend income from both account types. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, what’s the biggest mistake you see people make when they’re about to retire?” Discover a common mistake many make when they retire and what you may want to do instead. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, what’s a safe withdrawal rate from my retirement accounts so I don’t run out of money?”  Discover why a withdrawal rate can be a trap and why your withdrawals should be based on your plan projections and portfolio allocations instead.  Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, what’s the difference between a pension and an annuity, and which is better?”  Discover why the two should be considered different, even though they have many similarities. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, what’s the best way to invest my money once I’m actually retired - should I get more conservative?”  Discover why your growth portfolio should be different than your retirement portfolio. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, should I roll my 401(k) into an IRA when I retire, or leave it where it is?”  Discover some of the benefits of keeping your money in your 401(k) when you retire, whether that’s for state tax purposes (403(b) specifically) or for the Rule of 55. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, I’m confused about when to start Social Security - should I take it early at 62 or wait until 70?”  Discover why you need more information before you can determine when you should file for your Social Security benefits. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, how much should I really have saved before I can retire comfortably?”  Discover why you need to understand your income needs in retirement before you can understand your retirement savings goals. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

"Hey Mike, I’m really conflicted whether or not I should buy an annuity for income. Can you provide some insight?”  Discover the benefits and detriments of having guaranteed income for life as a part of your retirement plan.  Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

Merry Christmas! Thank you to all who listen to our show! "Hey Mike, can I retire on $500,000?”  Discover why some people may be able to retire on $500,000 and how the planning changes when you have $500,000 or less.  Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

"Hey Mike, I’m getting taxed when my retirement income should be tax free. Everything comes from Social Security and long-term capital gains. How can this be?”  Discover hidden tax traps that may cause you to pay more each year. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

"Hey Mike, my index annuity didn’t grow this past year when the market was up. Should I just get rid of it?”  Discover why your annuity may be under performing 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, is there such thing as too much diversification?”  Discover what ‘diversification’ really means, the different ways it may make sense, and when it can hurt you. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

"Hey Mike, when would I use a buffered ETF instead of a bond fund?”  Discover how Buffered ETFs and Bond Funds could play a role in your retirement plan and/or portfolio. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

"Hey Mike, how does ACA subsidies going away affect retirement planning?”  Discover how the Affordable Care Act is changing and how you can still plan around the changes based on your retirement needs. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

"Hey Mike, can I use AI to build my retirement plan?”  Discover how AI can help you plan for your retirement while acknowledging some of the risks and potentially oversimplified advice it may give. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

"Hey Mike, can I retire with $700,000?”  Discover if $700,000 is enough to be able to retire and how your risks change based on how much or how little you have saved for retirement. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

"Hey Mike, when creating a plan, what do you focus on first?”  Discover why lifestyle planning should come first, and each step that should follow thereafter. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, is it worth limiting your income to get the additional senior deduction?”  Why some people may want to plan around the different potential deductions, and others should just ignore them. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, I want to help my kids now while I’m alive. Do you have any do’s and don’ts when it comes to financially helping your kids?”  Discover why helping your kids who are making bad financial decisions may hurt them more overall. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com