How to Retire on Time

“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.retireontime.com

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

“Hey Mike, is it worth moving to a tax-free state in retirement?“ Discover how where you live can make a difference in retirement. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, can you explain why my indexed annuity lowered its rates and now I’m stuck with no growth?“ Discover some of the reasons why an insurance company would lower their rates mid-contact. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, can you recommend an easy to managed portfolio for a DIY investor about to retire?“Discover different ways you could design your portfolio in retirement (not investment advice). Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, does it make sense to diversify your retirement income streams? If yes, can you give some examples?“ Discover the benefits and detriments with different retirement income strategies. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

Special Edition - Join Michael Decker as he discusses the first, and often missed step in retirement planning with Richard Himmer, PhD. Discover the three most important relationships to have and the five activities that help support a meaningful and happy retirement.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, I lost my job, I think I can afford to retire, but I don’t what to. How would you build a plan that allows me to go back to work every now and then?”Discover the different ways you can determine if you should retire now, take a year off, or bridge the gap between now and when you get the next right job.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, how do you plan for healthcare if you retire before 65?” Discover how tax planning can influence your healthcare expenses before 65 years old.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, what’s the difference between a dynamic buffered ETF and a target outcome buffered ETF?"Discover the benefits and detriments of the different types of buffered ETFs available.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, should I take Social Security early and invest it instead of waiting for a higher benefit?” Discover when it may make sense to file for your Social Security benefits and invest your benefits. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

"Hey Mike, how do you solve for tax efficient retirement income?” Discover various tax strategies you may want to consider in retirement. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, I just retired and I completely regret the decision. The problem is the job market is not letting me back in. What should I do moving forward?” Discover different ways to address retirement regret.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, if I am 10 years away from retirement, but still have some debt, should I pay off my debt first or focus on saving in my IRA?” Discover the difference between good debt and bad debt, and how to manage it in retirement. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, I was told to put around 60% of my money into a life-time annuity and that would be basically the same as the 4% rule. Is that true?” Discover a strategy that targets the income suggested by the 4% rule while leaving funds in the market to help offset future needs and inflation.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, I want to start a business in retirement to keep myself busy. What should I know?” Discover why a business may or may not be a good idea in retirement.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, can you provide a practical explanation on how to implement the Bear Market Protocol?”Discover a few ways you can position your portfolio now in preparation for a potential market crash.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, what would you do in your final 10 working years?"Discover some of the main questions you may want to ask so you can prepare now for a more efficient and optimized retirement plan and portfolio.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, when would private equity play a role in your retirement portfolio?"Discover when it may make sense to include private equity or private credit in your retirement portfolio, how it works, and some specific risks to consider.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, why do you minimize the importance of a financial plan?"Discover the purpose of a retirement plan, and why you may want to spend more time on the strategies you can implement in retirement.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, what happened to gold and silver?"Discover a basic overview of why Gold and Silver dropped and what could happen moving forward.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, what’s a retirement regret you saw in 2025?”Discover two common regrets from many soon-to-be retirees from 2025.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

"Hey Mike, how do you coordinate the financial part of retirement with everything else?” Discover why you should plan your lifestyle before you plan your income and general financial plan.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, to keep things simple, could the 60/40 split work for a retiree?” Discover why simplicity could be dangerous if it ignores certain risk factors.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, what’s the purpose of a financial planner?” Discover when you may want to work with a financial advisor, and when it may not make sense.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, if an annuity can offer me 7% or more as guaranteed lifetime income, why wouldn’t I take it?” Discover what those guarantees actually mean and how to evaluate whether they fit into a real retirement plan. **Please note, 7% is based on a submitted question and not a verified product or offering. Annuity contacts and offers change over time.**Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, I have less than $1,000,000 saved for retirement. How does that change things as I prepare for retirement?” Discover why those who have less should plan differently than those who have more saved for retirement.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, are 529 plans the best way to fund grandkids’ education?” Discover when 529s make sense and when you may want to consider other strategies with more flexibility.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, what are different ways you can generate income from real estate without being a landlord?” Discover different ways to include real estate in your retirement portfolio.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, how can you claim that a lower average return can grow your money more overall? That doesn’t make any sense.” Discover how sequence of returns, volatility, and behavior may matter more than headline performance.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com