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PODCAST

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.

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All Episodes

10:53

Why Social Security Optimization is More Than Looking...

How to Retire on Time ·

2024/08/29

“Hey Mike, I read your Kiplinger article about Social Security optimization, but am unclear when I should file. I plan to retire at 62 and intend to file for Social Security when I retire. Should I change when I file?” Mike has a saying: "If you file too early, your income could be hurting; if you file too late, you could be hurting your estate." Listen to discover how taxes, income, etc., are all connected and can influence when you file. Text your questions to 913-363-1234.Request Your

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15:35

How to Prepare for Required Minimum Distributions...

How to Retire on Time ·

2024/08/28

“Hey Mike, I’m 67 years old and am concerned about required minimum distributions. I don’t want to be forced into paying too much in taxes. Most of my assets are in my Traditional IRA, but I don’t need them; I live off my pension and Social Security. What should I do?” Text your questions to 913-363-1234.Request Your Wealth Analysis today by going to www.yourwealthanalysis.com

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15:27

The Landlord's Exit Strategy

How to Retire on Time ·

2024/08/27

“Hey Mike, you’ve spoken about DSTs, but only at a high level. Can you give a more detailed answer, sharing exactly what they are, how they work, and the process it takes to sell a property, defer the taxes, and move the funds into a DST?” For anyone who has rental income property and wants to be free of the burden of tenants, toilets, and trash but wants to examine the ways to do it tax efficiently. Text your questions to 913-363-1234.Request Your Wealth Analysis today by going to

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11:30

Potential Pitfalls For Those Who Want to Retire...

How to Retire on Time ·

2024/08/26

“Hey Mike, I am 45 years old and recently decided that I’m done with work and want to retire at 50. Most of my assets are in my 401k, though. What can I do?” Listen to understand the pros and cons of retiring at an earlier age and what it might take to accomplish you goals. Text your questions to 913-363-1234.Request Your Wealth Analysis today by going to www.yourwealthanalysis.com

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11:38

Why I Believe Variable Annuities Rarely Make Sense

How to Retire on Time ·

2024/08/25

"This is a touchy one." In today's episode, Mike describes why he almost never recommends variable annuities but is willing to articulate when one could make sense. Variable annuities are one of the more complicated insurance products out there, so listen for more clarity on what annuities are, when they make sense, and which type could be right for you. For the record, Mike is licensed to sell variable annuities but has never actually sold one because he has never experienced a situation

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17:19

How to Prepare For Retirement and a Recession

How to Retire on Time ·

2024/08/24

In today's episode, Mike shares what it means to "create a retirement plan designed to last longer than you." This is not done through buying an annuity and turning on a guaranteed-for-life income. Discover various ways to structure your portfolio as you prepare for, enter, or maintain your retirement. The key phrase is "Plan Efficient Growth Portfolios."

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14:46

Why Term Life Insurance May Not Make Sense In Retirement

How to Retire on Time ·

2024/08/23

In today's episode, Mike discusses term life insurance, when it makes sense for the beginning of your retirement, and when it does not make sense for any part of your retirement. Explore other alternatives to term life insurance. Remember, life insurance is NOT an investment and should not be treated as such.

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10:26

How Interest Rates Could Affect Those Near Retirement

How to Retire on Time ·

2024/08/22

In today's episode, Mike discusses the various ways in which interest rates going down could affect the market. He also breaks down how interest rates affect younger and older investors differently. Discover how to take advantage of higher interest rates as you create a retirement plan that's designed to last longer than you™.

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8:38

Why Value Funds May Not Offer As Much Value As You Think

How to Retire on Time ·

2024/08/21

"Money goes where money can grow" In today's episode, Mike talks value funds. What are they? Do they still provide a lot of value? Listen to Mike identify what made value funds great decades ago, and how their offer in today's market has evolved since then.

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12:19

When Does it Make Sense to Manage Your Investments on...

How to Retire on Time ·

2024/08/20

"If you don't know the right questions to ask, you'll never ask them." In today's episode, Mike discusses the Dunning-Kruger effect, false confidence, and potentially missing out on opportunities because someone lacked sufficient experience. Discover when it may make sense to DIY your retirement and when you may consider asking for help.

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17:32

How to Plan Tax-Efficient Distributions From an...

How to Retire on Time ·

2024/08/19

In today's episode, Mike discusses strategies you can employ if you have an inherited or beneficiary IRA. Discover various strategies, some of which you probably didn't know existed, that may be able to help you minimize your overall tax burden while still focusing on your overall growth.

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15:48

What to Do If You Are Scared You’ll Run Out of Money...

How to Retire on Time ·

2024/08/18

In today's episode, Mike addresses the fear of running out of money in retirement. The answer is not always buying a bunch of annuities for lifetime income. Discover counterintuitive portfolio management systems that can help you lower your risk without locking up assets for life.

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16:32

How Fixed-Indexed Annuities Work as a Bond Alternative

How to Retire on Time ·

2024/08/17

In today's episode, Mike explains why he believes fixed-indexed annuities have more growth potential than CDs or Treasuries in the long term. Mike explains how they work from a cash accumulation standpoint while offering a few tips on how to vet them. Not all fixed-indexed annuities are the same. If you decide to explore this possible part of your portfolio, make sure you proceed with caution.

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8:52

How to Plan for Healthcare Before Medicare

How to Retire on Time ·

2024/08/16

In today's episode, Mike talks to people who are wanting to retire around 60 years of age, but have concerns with how to cover healthcare while waiting for Medicare. How does Mike suggest you bridge that gap? What are the tax implications? What about healthcare insurance premiums from age 60 to 65? Should you delay retirement or get a part-time job for the healthcare benefits? All of this and more is discussed in this common, potentially tricky situation.

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10:40

Why DIY Investors Still Need a Relationship With a...

How to Retire on Time ·

2024/08/14

In today's episode, Mike explains why managing a portfolio without a relationship with a licensed financial professional may be more limiting than you realize. Discover when it may make sense to be 100% DIY and when you may need to work with an advisor.

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14:30

How to Turn Your 401(k) Into a Retirement Plan

How to Retire on Time ·

2024/08/09

In today's episode, Mike tells us how to create a retirement plan out of a 401(k). Is accumulating assets in your 401(k) during your working years a set-and-forget guarantee for retirement bliss? What happens when you retire and need to draw income from your retirement account? Discover ways to take your 401(k) and turn it into a tax-efficient retirement plan. If you are within 10 years of retirement and you have a 401(k), this episode is for you.

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9:33

How to Prepare For Retirement With a 401(k)

How to Retire on Time ·

2024/08/07

In today's episode, Mike talks about employer-sponsored 401(k) retirement plans. How can you be proactive with a 401(k)? Should you keep all of your retirement savings in the 401(k) or roll it over to an IRA? Should you fund the pre-tax part or the after-tax part of your 401(k)? There are more strategies than you may realize. Discover what may be missing when it comes to your 401(k) and your retirement.

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10:05

Can I Manage my Portfolio as Well as a Fund Manager?

How to Retire on Time ·

2024/08/07

In today's episode, Mike discusses all the intricacies associated with managing a portfolio while trying to beat the market. Discover why the statistic that claims no one can beat the market may not be as certain as many would suggest. Answer questions like, "Can I ride a stock/bond fund portfolio all the way into retirement bliss?"

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12:43

How to Invest in Real Estate

How to Retire on Time ·

2024/08/06

In today's episode, Mike discusses the various ways you can invest in real estate, from traditional rental real estate to Real Estate Investment Trusts, Delaware Statutory Trusts, and more. Find answers to these questions and more in this episode.

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13:57

Is It Ever Okay to Surrender an Annuity Early?

How to Retire on Time ·

2024/07/26

"You can't change horses midstream", or so goes the old saying. In today's episode, Mike discusses when or if it makes sense to change, or surrender an annuity, and pay the penalty or fees. What situations are beneficial to include an annuity as part of your retirement plan? If you have one, and the rates drop, should I get out of it? Does paying the surrender penalty make sense to find a better one? What are the annuity bonuses all about? All of these questions are answered and more, in

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