How to Retire on Time

“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. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“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. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“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. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“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. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“My portfolio always underperforms even though I do exactly what I am supposed to do. Why is that?” Discover why having a little bit of everything may not make sense for your specific situation and what to consider doing instead. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey, Mike, what do you expect to happen when interest rates start to go down?” Discover why the Fed lowering interest rates could be good or bad for the economy. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, do fiduciaries have conflicts of interest?” Discover why it may be impossible for a financial professional, even a fiduciary, to have a conflict of interest and what you can do about it. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, I think I can afford to retire, but I don't know what I'd do if I did. Any thoughts?” Discover the non-financial part of retirement planning that is often missed. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, when should someone use buffer ETS versus index annuities in their plan?” Discover the difference between these two products and why you may want to use one in certain situations and the other in other situations. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, what's something you see that people often misunderstand about their portfolio?” Discover why Mike thinks the word risk is often misunderstood and how you should define it instead. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey, Mike. How can somebody know they are making the right decisions as they prepare for retirement without a financial adviser?” Discover why Mike thinks the financial services space needs to go through a big shift in how it does business and what Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, what lifestyle habits have you seen erode someone's retirement plan?” Discover hidden risks outside the stock market that you may want to consider.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, I want to work another five years before I retire, but I'm concerned my position won't be around that long. How do you plan for a situation like this?” Discover ways you can better prepare for retirement during the last stretch of your career. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, most of my investments are in a brokerage account. How do I set up my retirement plan without creating a huge tax bill.” Discover the nuance of shifting a non-retirement portfolio (not IRA or Roth) into something more appropriate for retirement while acknowledging the tax consequence along the way. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, what's one mistake you see many people make when they approach retirement?” Discover why your 401(k) growth strategy may not be right for you when you retire. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, is cash flow the most important part of retirement planning or am I missing something?” Discover how your cash flow planning affects your tax planning, Social Security optimization, healthcare planning, estate planning, and so much more. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, I’ve got a great portfolio and don’t want to sell any of it. How do you build a retirement plan around a portfolio without selling anything?” Discover how to slowly adjust your portfolio as you get closer to retirement. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, how would you plan retirement if your kids still live at home?” Join Mike as he discusses a more common part of retirement planning; kids at home struggling to make it in the world on their own. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, when is someone ‘retirement ready’?” Discover the non-financial side of retirement that could cause you to pause your retirement and rethink how you want your future to look. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, what causes people to go broke in retirement?” Discover some retirement risks you may not know exist. There’s no such thing as a riskless retirement. Join Mike as he shares different ways you can prepare for retirement. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, tell me more about buffered ETFs?” Discover some of the benefits or detriments associated with Buffered ETFs. Please note, there are many types of Buffered ETFs. Do you research to determine if it makes sense for your situation or not. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“How do you figure out your cash flow in retirement?" Discover why you should not assume that you’ll spend the same amount of money each month in retirement as you spent when you were working. It may be more. It may be less. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, people always talk about deducting their expenses. Is it really worth it and what counts for a deduction?” Discover the reality of deductions, your tax returns, and how you may want to approach your tax strategies in the future.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, can you set realistic expectations for someone who gets a plan and then manages it on their own?”Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, I know you can’t predict the market, but could you give a general market update?” Discover why today is very similar to 1998 and why Mike believes there could be a flat market cycle in the near future.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

"Hey Mike, I’m getting tired of watching the markets each day. I can’t get past the fear of another market crash. Any tips?” Discover a new way to consider your investments and portfolio. There’s a good chance the market will crash a couple of times during your retirement. Learn about how to maintain the right mindset. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, how do you determine if it makes sense to sell your rental property and pay the tax or do a 1031 exchange into something else?” Discover strategies that can help you avoid paying capital gains and depreciation recapture taxes when you sell your investment real estate. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, I have a list insurance policy but don’t feel I need the death benefit anymore. What should I do?” Discover why it may not make sense to maintain your life insurance policy in retirement. Life insurance has fees. Are they eroding your portfolio? Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, a lot of the Big Beautiful Bill tax changes revolve around the MAGI. What is it and what do we do about it?” Discover what is the Modified Adjusted Gross Income and why that matters when it comes to your retirement plan. 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 getting started with my retirement plan. Where should I start?" Discover how to design your lifestyle in retirement so that you can determine how much it could cost each month. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

"Hey Mike. We are looking for a retirement community to enjoy. What are the differences between buy-in communities, co-ops, and other options?” Discover the differences between living at home, living in a co-op, and so on so that you can start to plan based on what is right for you. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

Hey, Mike. I'm 60 years old with 1,200,000.0 in a traditional IRA. Should I convert 120,000 each year so I don't have to worry about RMDs? Discover the trap set by trying to plan and invest like someone else. Listen as Mike breaks down the importance of building a plan and a portfolio that works for your specific situation. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, I'm 60 years old with 1,200,000.0 in a traditional IRA. Should I convert 120,000 each year so I don't have to worry about RMDs?” Discover the problem with aggressive IRA to Roth conversions and the overall tax-free retirement goal. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey, Mike. I heard that Social Security is now tax free. Is that true?” Discover changes to the tax code and how you can potentially use it to your advantage. 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 get funds into a Roth IRA?” Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

"Hey Mike, I plan on living off of income from my bond portfolio. What's the risk with this income strategy and how do you plan around it?” Discover when it makes sense to use bonds as an income source, and why you may want to blend this income strategy with another growth-focused strategy. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, with all that is going on, is now still a good time to retire?” Discover how to build your plan so you can retire when it makes sense for you, regardless of what is going on elsewhere. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, when does it make sense to file for Social Security early so you can take the benefits and reinvest them?” Discover when it may make more sense to delay your benefits. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, I am comfortable taking risks, even in retirement. For people like me, what type of portfolio would you recommend.” Discover why taking more risks may actually hurt you in the long-term and in the short-term when you retire. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, is it better to rent or buy a home in retirement?”Discover the benefits and detriments of renting, buying, and buying with low maintenance.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, is it true that Roth Income affects your social security taxes bracket?”Discover how your Social Security benefits are calculated and if your Roth IRA income affects those calculations.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, I want guaranteed income for the first few years of retirement, not for life. Is a bond ladder the best strategy?”Discover different ways you would set up your retirement income strategy for the first five years of your retirement without depending on lifetime income streams from annuities.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, I tried to calculate my 401k fees and it looks like I’m paying around 3%. Is that even possible?” Discover the different types of fees that may be a part of your 401(k) plan and what you can do about it. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, why did the market go up after Iran was bombed? I even the potential or war would crash the market.” Discover why war may not affect the market as you would expect and what to look for instead. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, can you explain what you mean by “self-insuring?” Discover what it means to “self-insure” and when it may make sense. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.yourwealthanalysis.com

“Hey Mike, what are ways you’ve seen people give to their kids and grandkids?” Discover several ways you can give to your kids and grandkids while you are alive and when they may need it more. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.yourwealthanalysis.com

“Hey Mike, I just sold my business for five million dollars. What do you typically recommend someone like me do next?” Discover the behavioral risks when you receive a large sum of money from selling a business, receiving a large inheritance, or even winning the lottery. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.yourwealthanalysis.com

“Hey Mike, I’m being told by others that 8% works as a retirement withdrawal rate. Is that true?” Discover why the high withdrawal rates are becoming more popular and why they may be more dangerous than you realize. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.yourwealthanalysis.com

“Hey Mike, can you breakdown fees, where to find them, and how to build a good portfolio while being mindful of fees?” Discover various types of fees and where to find so you can determine if you are getting the value expected for the amount of money you pay in fees each year. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.yourwealthanalysis.com

“Hey Mike, how do you prepare for Social Security potentially going away?” Discover what really drives Social Security benefits and why you shouldn’t be as concerned about Social Security solvency as others would have you believe. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.yourwealthanalysis.com