How to Retire on Time

"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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"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.

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"Hey Mike, what risks concern you based on current market conditions?"

Discover various risks Mike believes retirees face in the near future.

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"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.

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"Hey Mike, are there other ways outside the 529 plan to help my grandkids get ahead in life?"
 
Discover a couple of different ways you could help your grandkids get ahead. Remember, each path has its own benefits and detriments.

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"Hey Mike, when someone pushes an annuity for lifetime income, the comparison is always in favor of the annuity. What are they not sharing?"
 
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.

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"Hey Mike, there are many strategies out there suggesting income around 8% to 9%. Why are advisors still talking about out the 4% rule?"
 
Discover why it may not make sense to expect those higher rates to last and what to do to prepare for when things change.

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"Hey Mike, is there ever a situation where someone with IRA funds should not do IRA to Roth conversions?"
 
Discover the nuance behind IRA to Roth conversions and when it may not make sense to do them, based on your overall goals.

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"Hey Mike, can you explain buffered ETFs and which you’d use in different situations?"
 
Discover how buffered ETFs work and different ways you may use them as a part of your plan and overall financial goals.

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"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. 

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"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.

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"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.

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"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.

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"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.

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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.

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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.

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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.

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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. 

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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. 

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“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. 

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“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. 

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“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. 

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“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. 

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“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. 

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“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. 

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“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. 

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“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. 

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“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. 

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“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. 

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“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.

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“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.

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“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.

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“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.

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“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.

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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. 

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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. 

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“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. 

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“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. 

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“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. 

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