How to Retire on Time

“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

"Hey Mike, do you think inflation is under control?” Discover why Mike believes inflation could come roaring back and how to prepare for the potential risk. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.yourwealthanalysis.com

“Hey Mike, I’m a college athlete that is about to get paid. I don’t want to go broke like so many other athletes. Any tips on how to keep your money?” Discover why many athletes go broke and what can be done to help prevent it from happening. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.yourwealthanalysis.com

“Hey Mike, how come financial advisors make money, even when the client loses money?” Discover the reason why advisors charge a flat rate or a percentage-based fee for their services and how to determine if you are getting your money’s worth with the amount you are paying in fees. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.yourwealthanalysis.com

“Hey Mike, I’m scared about the market and am all in cash and short-term CDs. What risks, if any, do you think I am taking by doing this?” Discover how cash can crash when inflation hits and why it may be more difficult to recover from hyperinflation than an actual market crash. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.yourwealthanalysis.com

"Hey Mike, can I use CDs and Treasuries only for my reservoir?" Discover risks associated with CDs, Treasuries, and other fixed interest investments/products, and what you could do instead. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.yourwealthanalysis.com

"Hey Mike, how do you prepare for a potential currency collapse?" Discover places you could put your money in case the United States dollar continues to go down in value. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.yourwealthanalysis.com

"Hey Mike, can you breakdown how the Big Beautiful Bill will affect those in retirement?" Discover some of the ways the Big Beautiful Bill could affect your retirement for better and for worse based on what is in the current version. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.yourwealthanalysis.com

"Hey Mike, I’m concerned about the next market crash. I don’t want to try and time the market, but it still keeps me up at night. Any tips?" Discover the problems with trying to time the market or sitting in cash based on a feeling. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.yourwealthanalysis.com

"Hey Mike, do I really need $1.26 million dollars to retire comfortably?” Discover why you may be seeing random numbers and goals in financial services advertisements. Also, uncover the problem associated with these oversimplified claims and why you should dive into the details of your own financial situation. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.yourwealthanalysis.com

"Hey Mike, I have been retired for a number of years now. What are some ways retirees can stay active and engaged in their communities after leaving the workforce?" Discover some non-financial aspects of retirement that may need to be addressed if you want to live a long, healthy, and happy life. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.yourwealthanalysis.com

Hey Mike, My spouse and I have different ideas of how much risk we should be taking when it comes to investing our retirement funds. How can we find a balance that works for both of us?” Discover how to address a divide in risk tolerance and find a solution that works for all parties involved.

Hey Mike, I just retired this month and have an outstanding retirement loan (against my 401k) with a balance of $8,000.00. The payment is $680.00 per month. I’d like to stop paying that. What is the best way to handle this outstanding balance - default or pay myself back with my portfolio?” Discover how to address if you should pay the loan off quickly or if it makes sense to pay it off slowly. Also, learn how to find the information needed to settle the balance. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.yourwealthanalysis.com

“Hey Mike, is AI better than an advisor at making trades and managing a portfolio?” Discover how Wall Street has been using “AI” for decades and how it may not drastically change their abilities. Also, learn how the average investor may increase their risk by using AI for themselves without sufficient experience or understanding (the Dunning Kruger Effect). Text your questions to 913-363-1234.Request Your Wealth Analysis by going to www.yourwealthanalysis.com

“Hey Mike, should I be buying and holding stocks, or investing in cheap S&P 500 ETFs like SPY and VOO for the long term?” Discover the difference between buying individual stocks vs buying an index and holding it for a long-term period of time. Text your questions to 913-363-1234.Request Your Wealth Analysis by going to www.yourwealthanalysis.com

“Hey Mike, what are these “RMDs” I am hearing about, and how do they fit into my retirement income strategy?” Discover the potential tax inefficiencies caused by Required Minimum Distributions and various strategies you can implement to help take action now. Text your questions to 913-363-1234.Request Your Wealth Analysis by going to www.yourwealthanalysis.com

“Hey Mike, I want to retire to Mexico where the cost of living is less and the weather is great year round. What financial considerations do I need to make?” Discover some potential unknown risks associated with living abroad in retirement. This is not a comprehensive conversation, but more of a high-level starting point. Text your questions to 913-363-1234.Request Your Wealth Analysis by going to www.yourwealthanalysis.com

“Hey Mike, I am 60 and plan to retire in five years. My 401(k) is almost entirely equities; what moves should I be making to prepare for retirement?”Text your questions to 913-363-1234.Request Your Wealth Analysis by going to www.yourwealthanalysis.com

“Hey Mike, how can an annuity offer a guaranteed withdrawal rate of 6.5% when we are told you should only take out 4% from your portfolio?” Discover the risks associated with lifetime income so you can prepare for those risks or move in another direction. Remember, there’s no such thing as a perfect investment, product, or strategy. Text your questions to 913-363-1234.Request Your Wealth Analysis by going to www.yourwealthanalysis.com

“Hey Mike, how much more can the market continue to grow?” Discover why Mike believes the future is bright and full of opportunity.Text your questions to 913-363-1234.Request Your Wealth Analysis by going to www.yourwealthanalysis.com

“Hey Mike, I don’t like anything locked up for a long term period of time. What are my reservoir options?” Discover how to fund your reservoir/storehouse while maintaining more liquidity overall. There’s no such thing as a perfect investment, product, or strategy. Learn how to blend liquidity, growth potential, and protection in a portfolio that works for you.Text your questions to 913-363-1234.Request Your Wealth Analysis by going to www.yourwealthanalysis.com