How to Retire on Time

“Hey Mike, open enrollment is coming up. Anything we should know?” Discover what to watch for in Medicare and healthcare plans so you don’t get stuck with surprise gaps in coverage.  Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, how can an insurance company offer a cash bonus when you fund their annuity?” Learn what’s really behind cash bonuses, how they work, and whether they’re worth it in the long run.  Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, I’ve got a variable annuity I don’t want because of the taxes. What else can I do?” Discover strategies to exit annuities wisely while minimizing taxes and protecting your money.  Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, what’s the difference between fixed, index, and variable life Insurance?” Learn the key distinctions between different investments and products you may want to consider in retirement or before.  Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, what should we expect from the market now that the Fed is cutting rates?” Discover how rate cuts may impact the economy, your investments, and what you may be able to do to protect your portfolio.  Text your questions to 913-363-1234.   Request Your Wealth Analysis by going to www.retireontime.com 

“Hey Mike, I’m concerned that my estate will ruin my kids as they are not very good with money, what should I do?” Discover strategies that could help protect your legacy while setting your kids up for success. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, what do you think about private equity becoming available in 401(k)?” Discover the potential benefits, and big risks of adding private equity to your retirement plan. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, I’ve never worked with an advisor, what should I expect?” Discover what the first experience with a financial advisor should look like and how to know if you’ve found the right fit. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, I have most of my retirement savings in my brokerage account, how should I set up my income to also be tax efficient?” Discover strategies that may make your money last longer by minimizing taxes in retirement. Text your questions to 913-363-1234.  Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, I plan to retire in my early fifties, what do I need to know?” Discover the key risks and considerations of early retirement that may make or break your plan. Text your questions to 913-363-1234.      Request Your Wealth Analysis by going to www.retireontime.com

Join Mike as he interviews Richard Himmer, PhD about his new book, "Your Encore Years." Discover the non-financial planning aspects that are important to your happiness, joy, and well-being in retirement.  Text your questions to 913-363-1234.      Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, what does it mean to “self-insure” in retirement?” Discover what it means to self-insure against long-term care needs and more.  Text your questions to 913-363-1234.      Request Your Wealth Analysis by going to www.retireontime.com

“ Hey, Mike. How do I get my husband to take the last few years in retirement? He loves training, which feels risky. He believes he can make consistent returns and provide for us in retirement, but I am not so sure.” Discover different ways to get your spouse on the same page as you when it comes to investments, risk, and your overall retirement.  Text your questions to 913-363-1234.      Request...

“Hey Mike, which is better; dynamic indexes that change with the market or static indexes that don't really change?" Discover the benefits and detriments associated with newer dynamic indexes when compared to the more traditional static indexes like the S&P 500 or the Dow Jones Industrial.  Text your questions to 913-363-1234.      Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, are there other high commissioned products out there like annuities that I should stay away from?” Discover various investments or products that pay a commission so you can be aware of potential conflicts of interest.  Text your questions to 913-363-1234.      Request Your Wealth Analysis by going to www.retireontime.com

“My portfolio always underperforms even though I do exactly what I am supposed to do. Why is that?” Discover why having a little bit of everything may not make sense for your specific situation and what to consider doing instead.  Text your questions to 913-363-1234.      Request Your Wealth Analysis by going to www.retireontime.com

“Hey, Mike, what do you expect to happen when interest rates start to go down?” Discover why the Fed lowering interest rates could be good or bad for the economy.  Text your questions to 913-363-1234.      Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, do fiduciaries have conflicts of interest?” Discover why it may be impossible for a financial professional, even a fiduciary, to have a conflict of interest 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, I think I can afford to retire, but I don't know what I'd do if I did. Any thoughts?” Discover the non-financial part of retirement planning that is often missed.  Text your questions to 913-363-1234.      Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, when should someone use buffer ETS versus index annuities in their plan?” Discover the difference between these two products and why you may want to use one in certain situations and the other in other situations.  Text your questions to 913-363-1234.      Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, what's something you see that people often misunderstand about their portfolio?” Discover why Mike thinks the word risk is often misunderstood and how you should define it instead.  Text your questions to 913-363-1234.      Request Your Wealth Analysis by going to www.retireontime.com

“ Hey, Mike. How can somebody know they are making the right decisions as they prepare for retirement without a financial adviser?” Discover why Mike thinks the financial services space needs to go through a big shift in how it does business and what  Text your questions to 913-363-1234.      Request Your Wealth Analysis by going to www.retireontime.com

“ Hey Mike, what lifestyle habits have you seen erode someone's retirement plan?” Discover hidden risks outside the stock market that you may want to consider. Text your questions to 913-363-1234.      Request Your Wealth Analysis by going to www.retireontime.com

“ Hey Mike, I want to work another five years before I retire, but I'm concerned my position won't be around that long. How do you plan for a situation like this?” Discover ways you can better prepare for retirement during the last stretch of your career.  Text your questions to 913-363-1234.      Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, most of my investments are in a brokerage account. How do I set up my retirement plan without creating a huge tax bill.” Discover the nuance of shifting a non-retirement portfolio (not IRA or Roth) into something more appropriate for retirement while acknowledging the tax consequence along the way.  Text your questions to 913-363-1234.      Request Your Wealth Analysis by going to www.r...