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.
Are 529 Plans Really the Best Way to Fund a Grandchildâs Education?
âHey Mike, are 529 plans the best way to fund grandkidsâ education?âÂ
Discover when 529s make sense and when you may want to consider other strategies with more flexibility.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Ways to Invest in Real Estate Without Becoming a Landlord
âHey Mike, what are different ways you can generate income from real estate without being a landlord?âÂ
Discover different ways to include real estate in your retirement portfolio.
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Request Your Wealth Analysis by going to www.retireontime.comÂ
How Lower Returns Can Actually Grow Your Money More
âHey Mike, how can you claim that a lower average return can grow your money more overall? That doesnât make any sense.âÂ
Discover how sequence of returns, volatility, and behavior may matter more than headline performance.
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Request Your Wealth Analysis by going to www.retireontime.comÂ
Why Building a Retirement Plan Around Your Portfolio Is Backwards
âHey Mike, can you walk through your planning process order and why you believe it needs to be that way? Iâm a dividend investor and am building my plan around my portfolio, which you say is not the right way to go about it.âÂ
Discover why your lifestyle expectations and tax strategies should come before investments.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Annuities Sold Under Different Names
âHey Mike, my 401k is now offering lifetime income as a payout option. Isnât that basically an annuity?âÂ
Discover the different structured payout options you could use in retirement.Â
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Request Your Wealth Analysis by going to www.retireontime.comÂ
Indexed Annuities Explained: How They Work and When They Make Sense
âHey Mike, can you explain how indexed annuities work, how to plan with them, and so on?âÂ
Discover the good, the bad, and the ugly of indexed annuities, and when they may make sense as a part of your plan.
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Request Your Wealth Analysis by going to www.retireontime.comÂ
Where to Shop for Fixed-Rate Retirement Products
âHey Mike, where are good places to shop for fixed rate products?âÂ
Discover how to compare product options and where to look.
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Request Your Wealth Analysis by going to www.retireontime.comÂ
How to Plan Around IRMAA and Medicare Surcharges
âHey Mike, how do you plan around IRMAA?âÂ
Discover how income timing, withdrawals, and tax strategy can help reduce IRMAA exposure.
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Request Your Wealth Analysis by going to www.retireontime.comÂ
How to Respond to a Chaotic Start to the Year in the Markets
âHey Mike, how should we react to the already crazy start to the new year?âÂ
Discover how to stay disciplined when headlines, volatility, and emotion collide.
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Request Your Wealth Analysis by going to www.retireontime.comÂ
Starting Retirement Savings at 50: Strategies to Consider
âHey Mike, if youâre 50 years old and are just starting to save for retirement, what would you do?âÂ
Discover a realistic, no-panic framework that can help you catch up.
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Request Your Wealth Analysis by going to www.retireontime.comÂ
What to Watch for When Filing Your Taxes This Year
âHey Mike, what should I be looking for this year as I file my taxes?âÂ
Discover common missed opportunities, red flags, and planning insights hidden in your tax return.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Should You Take Social Security Early and Invest It?
âHey Mike, is it better to take social security late or take it before you need it and then invest it?âÂ
Discover how longevity, taxes, and guaranteed income can change the math.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
What Should You Do With Extra Cash Flow in Retirement?
âHey Mike, if you have enough income coming in, what do you recommend that you do with the extra cash flow?âÂ
Discover how to prioritize your extra cash flow when you consider taxes, liquidity, and legacy goals.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
How a Financial Plan Really Works (And What to Expect)
âHey Mike, how does a financial plan work? Can you give realistic expectations?âÂ
Discover what Mike believes a retirement plan should include, and what many people are surprised to learn once they start the planning process.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
How to Spend Your Money in Retirement
âHey Mike, I want to retire, but Iâm having a hard time spending my money.â Â
Discover ways to make sense in your mind of your retirement income, potential portfolio growth, and expenses in retirement.
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Request Your Wealth Analysis by going to www.retireontime.comÂ
Should You Ever Keep Debt in Retirement?
âHey Mike, is there ever a situation where you should keep your debt when you retire?âÂ
Discover when debt can be strategic and when it becomes a silent risk.
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Request Your Wealth Analysis by going to www.retireontime.comÂ
Should You Still Invest in Growth 2â5 Years Before Retirement?
âHey Mike, if you are 2 to 5 years from retirement, is it wise to keep investing in growth?âÂ
Discover how to balance growth, protection, and liquidity as retirement approaches.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
What Your 1040 is Telling You About Your Financial Future
âHey Mike, what should I be looking for in my 1040 this year as I file my taxes?âÂ
Discover how your tax return reveals planning opportunities many people overlook.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Planning Retirement With Aging Parents and Helping Kids
âHey Mike, how do you navigate helping your kids enter adulthood while saving for retirement and taking care of your parents?âÂ
Discover how to set boundaries, prioritize goals, and avoid financial burnout.
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Request Your Wealth Analysis by going to www.retireontime.comÂ
Does Living Off the S&P 500 Really Work in Retirement?
âHey 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?âÂ
Discover the hidden risks behind popular âDIY retirement incomeâ strategies.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Alternatives to Traditional Long-Term Care Insurance
âHey Mike, is long-term care insurance worth buying at my age, or should I self-insure?âÂ
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.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
How to Figure Out What You Will Likely Spend in Retirement
âHey Mike, how do I calculate what my actual monthly expenses will be in retirement?âÂ
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.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
From Where Should You Pull Your Retirement Income First?
âHey Mike, I have both a traditional IRA and a Roth IRA - which one should I pull from first in retirement?âÂ
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.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
A Big Mistake Many People Make When They Retire
âHey Mike, whatâs the biggest mistake you see people make when theyâre about to retire?â
Discover a common mistake many make when they retire and what you may want to do instead.â
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Request Your Wealth Analysis by going to www.retireontime.com
Donât Look for the âPerfectâ Withdrawal Rate. Do This Instead
âHey Mike, whatâs a safe withdrawal rate from my retirement accounts so I donât run out of money?âÂ
Discover why a withdrawal rate can be a trap and why your withdrawals should be based on your plan projections and portfolio allocations instead.Â
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Why Pensions and Annuities Look Similar, but Are Different
âHey Mike, whatâs the difference between a pension and an annuity, and which is better?âÂ
Discover why the two should be considered different, even though they have many similarities.
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Request Your Wealth Analysis by going to www.retireontime.comÂ
Why Your Portfolio Should Change When You Retire
âHey Mike, whatâs the best way to invest my money once Iâm actually retired - should I get more conservative?âÂ
Discover why your growth portfolio should be different than your retirement portfolio.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Why You May Not Want to Roll Your 401(k) Over, Yet
âHey Mike, should I roll my 401(k) into an IRA when I retire, or leave it where it is?âÂ
Discover some of the benefits of keeping your money in your 401(k) when you retire, whether thatâs for state tax purposes (403(b) specifically) or for the Rule of 55.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
The Problem With Many Social Security Optimization Strategies
âHey Mike, Iâm confused about when to start Social Security - should I take it early at 62 or wait until 70?âÂ
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.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Start With Income Needs, Not Account Balances
âHey Mike, how much should I really have saved before I can retire comfortably?âÂ
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.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
The Counterintuitive Calculation with Lifetime Income
"Hey Mike, Iâm really conflicted whether or not I should buy an annuity for income. Can you provide some insight?âÂ
Discover the benefits and detriments of having guaranteed income for life as a part of your retirement plan.Â
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
How to Retire on $500,000
Merry Christmas! Thank you to all who listen to our show!
"Hey Mike, can I retire on $500,000?âÂ
Discover why some people may be able to retire on $500,000 and how the planning changes when you have $500,000 or less.Â
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Hidden Tax Traps You Need to Know About
"Hey Mike, Iâm getting taxed when my retirement income should be tax free. Everything comes from Social Security and long-term capital gains. How can this be?âÂ
Discover hidden tax traps that may cause you to pay more each year.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Why Your Annuities May Be Under Performing
"Hey Mike, my index annuity didnât grow this past year when the market was up. Should I just get rid of it?âÂ
Discover why your annuity may be under performing and what you can do about it.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
When Diversification Makes Sense, and When it Can Hurt
"Hey Mike, is there such thing as too much diversification?âÂ
Discover what âdiversificationâ really means, the different ways it may make sense, and when it can hurt you.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Which is Better: Buffered ETFs or Bond Funds?
"Hey Mike, when would I use a buffered ETF instead of a bond fund?âÂ
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.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
How to Handle Healthcare Insurance in This Ever-Changing Environment
"Hey Mike, how does ACA subsidies going away affect retirement planning?âÂ
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.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
The Benefits and Detriments of Using AI to Plan Your Retirement
"Hey Mike, can I use AI to build my retirement plan?âÂ
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.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Can You Retire With $700,000?
"Hey Mike, can I retire with $700,000?âÂ
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.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
Why You Donât do Your Income Planning First
"Hey Mike, when creating a plan, what do you focus on first?âÂ
Discover why lifestyle planning should come first, and each step that should follow thereafter.
Text your questions to 913-363-1234.Â
Request Your Wealth Analysis by going to www.retireontime.comÂ
