How to Retire on Time

Your retirement plan has a number, but it doesn't have an answer for the four things you'll lose the day you stop working. 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.

Mike breaks down the bear market protocol live, the three-move strategy that turns a market crash into an opportunity, and explains why most retirees don't have one. Most retirement plans are built around products, not your life.  Ours isn't.  📚 Free book + audiobook + retirement calculator + weekly live Q&A  Grab yours free 👉 RetireOnTime.com/Free  This is for educational purposes only and...

Most retirement plans aren't derailed by market crashes. They're quietly drained by five small inefficiencies most advisors never mention. Text your questions to 913-363-1234.    Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, when does tax planning really make a noticeable difference in a retirement plan?”  Discover how tax planning decisions can impact your income strategy and the long-term efficiency of your plan.  Text your questions to 913-363-1234.    Request Your Wealth Analysis by going to www.retireontime.com  

“Hey Mike, can you retire with $250,000?”   Discover how structuring your income, taxes, and portfolio the right way may matter more than the total amount you’ve saved.  Text your questions to 913-363-1234.    Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, how much should I have saved at 55 years old?”  Discover why focusing on a number can be misleading and how your retirement plan should be built around your income goals and lifestyle instead.  Text your questions to 913-363-1234.    Request Your Wealth Analysis by going to www.retireontime.com    

Hey, Mike. If you can’t beat the market, then why doesn’t Warren Buffet just invest in the market.  Discover why investing with purpose and managing downside risk can be more important than trying to match the market every year.  Text your questions to 913-363-1234.    Request Your Wealth Analysis by going to www.retireontime.com    

 Mike builds a retirement plan using Claude and ChatGPT. Discover why building reliable retirement income takes more than data and how proper planning makes the difference.  Text your questions to 913-363-1234.    Request Your Wealth Analysis by going to www.retireontime.com    

“Hey Mike. How can you do tax planning when the rules keep changing?” Discover how to balance future uncertainty with today’s tax rules.  Text your questions to 913-363-1234.    Request Your Wealth Analysis by going to www.retireontime.com    

“Hey Mike. I have a rollover IRA account that was set up 15 years ago that has all mutual funds. Is it worth it to switch everything over to ETFs?” Discover which path may be best for you.  Text your questions to 913-363-1234.    Request Your Wealth Analysis by going to www.retireontime.com    

“Hey Mike. How do you know if you should sell something at a loss and move on or if you should hold on and wait?”  Discover the guiding principles when trying to decide if you should hold a and investment or sell it and move on.  Text your questions to 913-363-1234.    Request Your Wealth Analysis by going to www.retireontime.com    

“Hey Mike, Warren Buffett said he would hold stocks even if it were World War three, would you?”   Discover how to think about stocks during uncertain times and why having the right strategy matters.   Text your questions to 913-363-1234.    Request Your Wealth Analysis by going to www.retireontime.com    

“Hey Mike, how long does $2,000,000 last in retirement?”  Discover why retirement isn’t just about hitting a number. It's about starting with the lifestyle you want and then build your plan/portfolio around that goal.   Text your questions to 913-363-1234.    Request Your Wealth Analysis by going to www.retireontime.com    

“Hey, Mike. I’m having a hard time understanding how income planning affects healthcare planning. Can you elaborate?”  Discover how coordinating your income, taxes, and healthcare strategies can help you get more out of your money. Text your questions to 913-363-1234.    Request Your Wealth Analysis by going to www.retireontime.com    

“Hey Mike, is it better to sell your rental properties with renters in it or when it is vacant?”  Discover how local laws, cash flow, and property conditions impact whether selling with tenants or vacant leads to a better outcome. 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 plan for rising healthcare costs?”  Explore the key strategies for managing rising healthcare costs, including insurance options, investment approaches, and how to balance risk across your overall retirement plan. Text your questions to 913-363-1234.    Request Your Wealth Analysis by going to www.retireontime.com  

Description: “Hey Mike, how come my friends are getting better annuities today? Is there anything I can do to switch my payout?”  Learn how changing market conditions impact returns across investments and why different strategies like annuities or real estate can perform better in different environments. Text your questions to 913-363-1234.    Request Your Wealth Analysis by going to www.retireont...

From the comments… “REITs are garbage. Take a look at performance vs any index fund.. VOO, QQQM, anything. Stop it.”  Learn how different investments perform in different market conditions and why comparing strategies like annuities, real estate, and index funds requires the right context.  Text your questions to 913-363-1234.    Request Your Wealth Analysis by going to www.retireontime.com  

Description: “Hey Mike, I am behind on my retirement savings. What should I do?”   Learn why taking more risk isn’t the answer and how to strategically catch up on retirement savings in today’s market environment. Text your questions to 913-363-1234.    Request Your Wealth Analysis by going to www.retireontime.com  

“Hey Mike, I missed my RMD. What do I do next?“ Discover what to do if you missed your RMD in retirement. Text your questions to 913-363-1234.     Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, I’m looking to buy my retirement house first, and then eventually sell my current house. How do you line this all up?“ Discover ways to sell your current home and move into your retirement home.  Text your questions to 913-363-1234.     Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, I just got my tax return done. What should I be looking for?“  Discover what to look for when you review your tax return.  Text your questions to 913-363-1234.     Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, what’s one tax minimization strategy that often gets overlooked in retirement?“  Discover a few strategic ways you could minimize taxes in retirement.   Text your questions to 913-363-1234.     Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, what is the easiest way to break through all the jargon and compare income strategies for a soon-to-be retiree?“  Discover three ways you could structure income in retirement.  Text your questions to 913-363-1234.     Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, what do you use to create a retirement income ladder?“  Discover different investments and products that you could use if you wanted to ladder out income in retirement. Text your questions to 913-363-1234.     Request Your Wealth Analysis by going to www.retireontime.com