How to Retire on Time
Welcome to How to Retire on Time, a show that answers your retirement questions. Say goodbye to the oversimplified advice you've heard hundreds of times. This show is about getting into the nitty-gritty so you can make better decisions as you prepare for retirement. Text your questions to 913-363-1234 and we'll feature them on the show. Don't forget to grab a copy of the book, How to Retire on Time, or check out our resources by going to www.retireontime.com.
Different Markets to Consider When Putting Your Portfolio Together
"Hey Mike, the stock market seems overvalued. Do you think the real estate market is also overvalued?"
Discover the different markets you can invest in, and how some are influenced by others.Â
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Request Your Wealth Analysis by going to www.retireontime.comÂ
Which Comes First: Social Security Optimization or Tax Minimization?
"Hey Mike, which should be done first, social security optimization or tax minimization planning?"
Discover why tax planning should be done before you optimize your social security benefits.
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Request Your Wealth Analysis by going to www.retireontime.comÂ
Why a Looming Potential Crash Should not Prevent You From Considering the Stock Market as a Part of Your Portfolio
"Hey Mike, I know I should be in the stock market, but I can’t get myself to go in since I think it’s going to crash. Is this normal? What else is there?Â
Discover how to diversify your assets by strategy and timeframe so you can appropriate expectations.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Be Cautious of Alleged Tax Loopholes
“Hey Mike, I’ve got many friends who have family businesses for retirement so they can write off their family travel and fun expenses. Does that really work?”Â
Discover why the fake businesses and other alleged tax loopholes don’t typically pass an audit.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Why Plans Could Change if You Saved More for Retirement
“Hey Mike, how does a retirement plan change if you have $250k saved vs $2.5 million.”
Discover why those who have less, even if they can afford to retire, may have more risk to consider.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Why Your 401(k) Growth Strategy May Not Work as Well in Retirement
“Hey Mike, I’ve managed my 401(k) my entire life; I just buy and hold index funds. Is retirement any different?”Â
Discover some of the risks associated with the idea that you can buy and hold your entire portfolio.Â
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Why the Tax Qualification of Your Dividends Matter
“Hey Mike, I want to use dividends as my primary source of retirement income. How would you put a dividend portfolio together?”Â
Discover the different ways your dividends are being taxed, and what you can do to potentially make it more efficient.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Year-End Planning Strategies Many Miss
“Hey Mike, aside from IRA to Roth conversions, what else should I do in my year-end planning?”Â
Discover many of the other year-end strategies that may be able to help you get more out of your money.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
What to Know About Roth IRAs
"Hey Mike, can you clarify what happens when funds go into a Roth IRA?"
Discover the rules behind Roth IRAs, contributions to Roth IRAs and IRA to Roth conversions, so you can be more deliberate in your tax planning.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Ways to Create a Retirement Plan with Liquid Investments
"Hey Mike, can you create a retirement plan only using liquid investments?"
Discover the hidden potential opportunity cost when you maintain liquidity on all of your assets.
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Request Your Wealth Analysis by going to www.retireontime.comÂ
Ways to Approach a Tax Efficient Real Estate Exit
"Hey Mike, how do you map out which rental homes to sell and which to push out?"
Discover ways to map out your tax efficient real estate exit so you can retire from being a landlord.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
What are the Potential Risks in Today's Market?
"Hey Mike, what risks concern you based on current market conditions?"
Discover various risks Mike believes retirees face in the near future.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
All of my Money is in a Savings Account. How do I Fund my Retirement?
"Hey Mike, I have $1,000,000 in my savings account from the sale of my business and nothing in 401(k). How does this change my retirement planning?"
Discover how your retirement plan change based on where you saved your money and how extensive your tax planning is.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Ways to Help Your Kids and Grandkids Outside the 529 Plan
"Hey Mike, are there other ways outside the 529 plan to help my grandkids get ahead in life?"
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Discover a couple of different ways you could help your grandkids get ahead. Remember, each path has its own benefits and detriments.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
What to Know About Lifetime Income From an Annuity
"Hey Mike, when someone pushes an annuity for lifetime income, the comparison is always in favor of the annuity. What are they not sharing?"
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Discover the risks few fully discuss when it comes to lifetime income from an annuity, and why it may not be an apples-to-apples comparison.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Is the 4% Rule Still Valid?
"Hey Mike, there are many strategies out there suggesting income around 8% to 9%. Why are advisors still talking about out the 4% rule?"
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Discover why it may not make sense to expect those higher rates to last and what to do to prepare for when things change.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
When IRA to Roth Conversions May Not be Beneficial
"Hey Mike, is there ever a situation where someone with IRA funds should not do IRA to Roth conversions?"
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Discover the nuance behind IRA to Roth conversions and when it may not make sense to do them, based on your overall goals.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
An Explanation of Buffered ETFs
"Hey Mike, can you explain buffered ETFs and which you’d use in different situations?"
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Discover how buffered ETFs work and different ways you may use them as a part of your plan and overall financial goals.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Ways to Protect Older Adults Financially
"Hey Mike, I’ve got older family members who are getting taken advantage of financially; how can I stop this from happening?"
Discover ways to address siblings that may be taking advantage of older adults.Â
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
More Important: Growth or Tax Minimization?
"Hey Mike, which is more important, portfolio growth or tax minimization?"
Discover how tax minimization could get in the way of growing your wealth and why you may need to find the right balance for your specific situation.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
What to Know About Long-Term Care Insurance Through an Annuity
"Hey Mike, can you really get long-care insurance though an annuity without any medical exams?"
 Discover the often-misunderstood parts of annuity income benefits that may help if you need long-term care assistance.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.com
What to Consider About IRA to Roth Conversions
"Hey Mike, everyone says I should do IRA to Roth conversion, but I’m not so sure."
Discover how your Social Security could get in the way of your IRA to Roth conversion goals, among other potential inefficiencies.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Are Advisors Able to Grow Assets Better Without any Downside Risk?
"Hey Mike, I don’t want any risk and currently have all my money in money market. If I gave it to an advisor, could they grow it better without any downside risk?"
Discover the problem you may run into if you only focus on avoiding market risk.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Are There Options if you Want Less Risk but Still Want Growth Potential?
Hey Mike, what are some safe places to put money that can still grow other than cash? Learn about the benefits and detriments of accounts that have growth potential with principal protection, so that you don’t have to endure the market roller coaster.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Is Being a Landlord Still Worth it?
Hey Mike, I’m getting 8% cash flow on my rental, but I don’t want to be a landlord. What are my options? Discover common misconceptions about real returns in property investments, and the many ways to leave your property management days behind.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Are Buffered ETFs and Indexed Annuities the Same Thing?
Hey Mike, aren’t buffered ETFs and indexed annuities basically the same thing? Learn how these two complex tools are similar, what protections they offer, and who should consider making one or both part of their retirement plan.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Is Tax Planning Important in a Retirement Plan?
Hey Mike, how much does tax planning really play a role in a retirement plan? Discover why the marriage of investment advice and tax planning could be crucial for achieving one’s lifestyle and legacy goals.Â
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Is the Market Overvalued?
Hey Mike, is the market overvalued? Learn why stock prices may have risen faster than the underlying companies’ earnings or revenues, and what that means for future returns.Â
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Retirement Planning If You Live Longer (or Shorter) Than Average
“Hey Mike, how does the planning change if you expect to live longer or shorter than average?” Learn how longevity expectations reshape Social Security timing, inflation risk, and your entire plan.Â
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
How to Plan Income from Different Tax Buckets
“Hey, Mike, how do you plan income between your different tax buckets?” Discover how timing withdrawals and picking the right bucket can help you pay less in taxes.Â
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Request Your Wealth Analysis by going to www.retireontime.comÂ
How to Make Life Insurance Cash Value Work for You
“Hey, Mike, how do you manipulate life insurance so that the cash value grows better?” Learn how proper structuring—not manipulation—may turn life insurance into a tax-efficient planning tool.Â
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Request Your Wealth Analysis by going to www.retireontime.comÂ
Should Couples Keep Finances Separate in Retirement?
“Hey Mike, how do you create a plan for a couple who want to keep their finances separate?” Discover the challenges and strategies for building a plan when couples manage money individually.Â
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Request Your Wealth Analysis by going to www.retireontime.comÂ
How to Keep Income Flowing During a Market Crash
“Hey Mike, can you give several examples of how to keep income coming in during a market crash?” Learn how a bear market protocol can protect your income when markets fall.Â
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What to Know Before Open Enrollment 2025
“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.Â
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Request Your Wealth Analysis by going to www.retireontime.comÂ
The Truth About Annuity Bonuses
“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.Â
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Request Your Wealth Analysis by going to www.retireontime.comÂ
How to Get Out of a non-qualified Variable Annuity (Without a Huge Tax Bill)
“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.Â
Text your questions to 913-363-1234. Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Fixed vs. Index vs. Variable: What’s the Difference?
“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.Â
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Request Your Wealth Analysis by going to www.retireontime.com
What the Fed’s Rate Cuts Could Mean for Your Money
“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.Â
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Request Your Wealth Analysis by going to www.retireontime.comÂ
How to Leave an Inheritance Without Ruining Your Kids
“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.Â
Request Your Wealth Analysis by going to www.retireontime.com
Private Equity in 401(k)s: Opportunity or Risk?
“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.Â
Request Your Wealth Analysis by going to www.retireontime.com
