How to Retire on Time

“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

“Hey Mike, can you walk through your planning process order and why you believe it needs to be that way? I’m a dividend investor and am building my plan around my portfolio, which you say is not the right way to go about it.” Discover why your lifestyle expectations and tax strategies should come before investments.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, my 401k is now offering lifetime income as a payout option. Isn’t that basically an annuity?” Discover the different structured payout options you could use in retirement. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, can you explain how indexed annuities work, how to plan with them, and so on?” Discover the good, the bad, and the ugly of indexed annuities, and when they may make sense as a part of your plan.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, where are good places to shop for fixed rate products?” Discover how to compare product options and where to look.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, how do you plan around IRMAA?” Discover how income timing, withdrawals, and tax strategy can help reduce IRMAA exposure.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, how should we react to the already crazy start to the new year?” Discover how to stay disciplined when headlines, volatility, and emotion collide.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, if you’re 50 years old and are just starting to save for retirement, what would you do?” Discover a realistic, no-panic framework that can help you catch up.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, what should I be looking for this year as I file my taxes?” Discover common missed opportunities, red flags, and planning insights hidden in your tax return.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, is it better to take social security late or take it before you need it and then invest it?” Discover how longevity, taxes, and guaranteed income can change the math.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, if you have enough income coming in, what do you recommend that you do with the extra cash flow?” Discover how to prioritize your extra cash flow when you consider taxes, liquidity, and legacy goals.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, how does a financial plan work? Can you give realistic expectations?” 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. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, I want to retire, but I’m having a hard time spending my money.” Discover ways to make sense in your mind of your retirement income, potential portfolio growth, and expenses in retirement.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, is there ever a situation where you should keep your debt when you retire?“ Discover when debt can be strategic and when it becomes a silent risk.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, if you are 2 to 5 years from retirement, is it wise to keep investing in growth?” Discover how to balance growth, protection, and liquidity as retirement approaches.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, what should I be looking for in my 1040 this year as I file my taxes?“ Discover how your tax return reveals planning opportunities many people overlook.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, how do you navigate helping your kids enter adulthood while saving for retirement and taking care of your parents?“ Discover how to set boundaries, prioritize goals, and avoid financial burnout.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey 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?“ Discover the hidden risks behind popular “DIY retirement income” strategies.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, is long-term care insurance worth buying at my age, or should I self-insure?” 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. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, how do I calculate what my actual monthly expenses will be in retirement?” 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. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, I have both a traditional IRA and a Roth IRA - which one should I pull from first in retirement?” 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. Request Your Wealth Analysis by going to www.retireontime.com