Über diesen Podcast
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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- Should an Annuity Go in an IRA or a Roth? · 11 Min. · Folge 523When an annuity is on the table, Michael Decker, NSSA® explains how the growth is taxed and why the account it sits in can matter. The following is from Mike’s weekly webinar…
- What Is a Year of Your Life Worth? · 5 Min. · Folge 525When delaying Social Security means spending down a 401(k) first, Michael Decker, NSSA® weighs the numbers against quality of life, then answers whether benefit cuts should…
- Do Roth Conversions Cost You Lost Growth? · 3 Min. · Folge 521When paying tax now means less money stays invested, Michael Decker, NSSA® explains the tradeoffs of Roth conversions, then how the IRMAA cliff works. The following is from…
- Pension Lump Sum or Annuity: How to Decide · 7 Min. · Folge 522When a pension offers a lump sum or lifetime payments, Michael Decker, NSSA® explains the conflict of interest in the advice and the questions that matter before choosing. The…
- What Happens If an Insurance Company Fails? · 4 Min. · Folge 524When a market crash raises questions about an annuity, Michael Decker, NSSA® explains what a general account is and what to look at when comparing companies. The following is…
- Is Waiting Until 70 for Social Security Worth It? · 7 Min. · Folge 520When the choice is filing at 62 or waiting until 70, Michael Decker, NSSA® explains why the filing decision depends on the rest of the plan. The following is from Mike’s weekly…
- When Healthcare Becomes Your Job in Retirement · 21 Min. · Folge 519When your employer stops handling healthcare, Michael Decker, NSSA® and David Franson discuss Part D changes and why insurance is about transferring risk, not investing. The…
- When Retirement Healthcare Costs Keep Rising · 55 Min. · Folge 518When healthcare costs keep rising and online answers feel oversimplified, Michael Decker, NSSA® and David Franson cover Medicare changes, then take viewer questions on Social…
- When Roth Conversions Might Not Be the Right Move · 4 Min. · Folge 517When online advice treats Roth conversions as a must, Michael Decker, NSSA® explains how the standard deduction and lower brackets can change the math for some people. The…
- When a MYGA Ladder Meets a Bond Ladder · 5 Min. · Folge 516When money is needed within five years, Michael Decker, NSSA® explains how a MYGA ladder, a bond ladder, and a buffered ETF can differ, and why defining the mission comes first…
- When a Note Can Offer Principal Protection · 11 Min. · Folge 515When a product promises protection and upside, Michael Decker, NSSA® walks through how structured notes work, where the risks sit, and how TIPS compare. The following is from…
- When Do Alternatives Belong in Your Portfolio? · 7 Min. · Folge 514When stocks and bonds are not the whole picture, Michael Decker, NSSA® explains where alternatives like real estate, private equity, and gold can fit, and what getting out can…
- When Can a Medigap Plan Deny You? · 5 Min. · Folge 513When a plan looks cheaper now and switching later sounds simple, Michael Decker, NSSA® explains how the Medigap enrollment window at 65 can change what happens next. The…
- Why Healthcare Costs Keep Rising · 5 Min. · Folge 512When healthcare premiums keep climbing, Michael Decker, NSSA® explains why he treats healthcare as a cost to plan for, not an investment, and why a cost-of-living adjustment…
- Is Long-Term Care Insurance Worth It? · 7 Min. · Folge 510When long-term care insurance is sold on fear, Michael Decker, NSSA® explains how a break-even view and peace of mind can each be a fair reason to decide. The following is from…
- How Do Survivor Benefits Work? · 3 Min. · Folge 509When a spouse passes, Michael Decker, NSSA® explains how a survivor benefit and a person’s own retirement benefit can be treated as two separate choices. The following is from…
- Can You Plan for the Widow Tax? · 9 Min. · Folge 511When one spouse passes and the household becomes a single filer, Michael Decker, NSSA® explains how a plan can account for it years ahead. The following is from Mike’s weekly…
- Is Two Years of Reserves Enough? · 7 Min. · Folge 508When a portfolio is all in stocks with two years of income set aside, Michael Decker, NSSA® explains how a timeline view of fixed, index, and variable money can reshape the…
- When Tax Law Is Written in Pencil · 4 Min. · Folge 507When tax brackets can change with new legislation, Michael Decker, NSSA® explains why he benchmarks the effective tax rate instead of chasing the lowest bill. The following is…
- What Does Social Security Insolvency Mean? · 21 Min. · Folge 506When headlines say Social Security is insolvent, Michael Decker, NSSA® explains what the word means, which fixes have been floated, and where filing decisions fit. The following…
- When Your CDs Mature and Inflation Lingers · 4 Min. · Folge 505When your CDs mature and inflation is still a concern, Michael Decker, NSSA® explains how your timeline can shape the choice between fixed and indexed options. The following is…
- Where Does Social Security Belong in Your Plan? · 10 Min. · Folge 504When maximizing Social Security and maximizing quality of life are not the same goal, Michael Decker, NSSA® explains where filing fits in a plan. The following is from Mike’s…
- When Inflation Risk and Market Risk Collide · 16 Min. · Folge 503When lowering market risk can raise inflation risk, Michael Decker, NSSA® explains where reserves fit, including for a viewer around age 50. The following is from Mike’s weekly…
- When Maxing Out a Bracket Misses the Point · 35 Min. · Folge 502When moving income at a higher bracket looks like the better deal, Michael Decker, NSSA® explains how the effective tax rate can tell a different story. The following is from…
- How to Actually Balance Risk and Protection in Retirement · 7 Min. · Folge 500Michael Decker, NSSA® answers a viewer question on balancing risk and protection using a food-storage analogy, splitting a portfolio into smaller pieces that each have their own…
- Why Just Buying the S&P 500 Does Not Solve Retirement Math · 6 Min. · Folge 499Michael Decker, NSSA® responds to a viewer who says the math only works with stocks and the S&P 500, and the risk that gets left out when withdrawals start during a down market…
- What to Do With Your Money Five Years Before Retirement · 8 Min. · Folge 501Michael Decker, NSSA® answers a viewer question on repositioning savings five years from retirement, and why shopping around matters here as much as anywhere else. The following…
- A Way to Decide Whether You Actually Need an Annuity · 13 Min. · Folge 498Michael Decker, NSSA® walks through how to decide if an annuity fits your plan before shopping for one, then answers a follow-up question on timing IRA to Roth conversions for an…
- How to Plan Retirement Around an Inheritance You Might Not Get · 7 Min. · Folge 497Michael Decker, NSSA® answers a viewer question on planning retirement income around a future inheritance, and why treating it as a backup plan works better than counting on it…
- The Bond Market Warning Sign Behind This Year's Market Jitters · 18 Min. · Folge 496Michael Decker, NSSA® walks through a widening gap between short-term and long-term interest rates that echoes the run-up to 2008. Plus two "would you rather" thought experiments…
- Why Some People Don't Need to Do Roth Conversions · 6 Min. · Folge 495Michael Decker, NSSA® answers a viewer question on why some people don't need IRA to Roth conversions even as taxes go up, and the one number he says actually matters. The…
- How You can Exit a Concentrated Company Stock Position · 8 Min. · Folge 494Michael Decker, NSSA® answers a viewer question on selling company stock that makes up over half their savings, and three ways to manage the tax bill along the way. The following…
- How to Schedule Withdrawals From a $750,000 401(k) · 12 Min. · Folge 493Michael Decker, NSSA® answers a viewer question on withdrawing from a $750,000 401(k) at 65, and tells a CVS receipt story he uses to explain wasted tax breaks. The following is…
- A Way to Think About a 403(b) Rollover · 13 Min. · Folge 492Michael Decker, NSSA® answers a viewer question on an in-service 403(b) rollover, an index annuity, and withdrawal order, and why the real first question isn't about the account…
- How A Few Stocks Can Prop Up the Whole Market · 22 Min. · Folge 491Michael Decker, NSSA® walks through how much of the market's growth is riding on a handful of AI-related companies, and shares the story of the day he learned about risk the hard…
- How the Widow Tax Changes a Retirement Plan · 3 Min. · Folge 490Michael Decker, NSSA® answers a viewer question on the widow tax, and why a surviving spouse can end up taxed at close to double the rate on roughly the same income. The…
- What a Financial Advisor Can Offer That You Can't Get Yourself · 6 Min. · Folge 488Michael Decker, NSSA® answers a viewer question on what a financial advisor can actually offer that you can't get on your own, and where that access matters most. The following…
- How Your Social Security Timing Can Affects Everything Else · 5 Min. · Folge 487Michael Decker, NSSA® answers a viewer question on how Social Security timing can affects the rest of a retirement plan, well beyond just maximizing the benefit itself. The…
- Tax Planning for Retirement Accounts Under $1 Million · 3 Min. · Folge 489Michael Decker, NSSA® answers a viewer question on tax planning for retirement savings under $1 million, and why the right approach is more subtle than it looks. The following is…
- Is the Stock Market in another Bubble Right Now? · 7 Min. · Folge 486Michael Decker, NSSA® answers a viewer question on whether he's concerned about the markets right now, and explains why a flat market worries him more than a crash. The following…
- Three Common Leaks in a Retirement Plan · 14 Min. · Folge 485Michael Decker, NSSA® answers a viewer question on the most common leaks he sees in a retirement plan, and the first one is tied to how much AI exposure people don't realize they…
- A Retirement Plan That Ran Out of Money Doing Everything "Right" · 21 Min. · Folge 484Michael Decker, NSSA® runs the same million-dollar IRA forward in two different ways, one converting aggressively to a Roth and one does not. Only one of them still has money…
- How to Plan for a Big Expense in Retirement · 6 Min. · Folge 483How do you fit the large bills in your retirement plan? New roof? New car? Michael Decker, NSSA® answers a viewer question on planning around a big one-time expense and why it…
- What's Changing with Medicare This Year · 7 Min. · Folge 482Don’t let yourself auto-renew your current plan. Big changes could cause you to want to shop this season before you commit. Michael Decker, NSSA® covers what's changing with…
- Can Anyone Time the AI Bubble? · 6 Min. · Folge 481Is there an AI bubble and if so, can you time your exit? Michael Decker, NSSA® answers a viewer's question on whether he believes AI stocks are a bubble, and why he says timing…
- Why Tax Planning Starts with Where to Put Your Savings · 8 Min. · Folge 480Where your money goes and when you want to pull it out shapes the planning on where you should place it in the first place. The 401(k) is only one place to save for retirement…
- Which is better, lifetime income from an annuity or a bond? · 32 Min. · Folge 479There is no such thing as a perfect investment, product, or strategy, which is why the comparison between a 30-year treasury vs an indexed annuity is so interesting. Michael…
- Why the Surviving Spouse Carries More Risk · 10 Min. · Folge 478Michael Decker, NSSA® walks through the tax risk, longevity risk, healthcare risk, and other risks unique to the spouse who lives longer, and what many people miss when putting…
- What If It Takes Year To Recover From a Market Crash · 6 Min. · Folge 477Michael Decker, NSSA® takes on a market-crash reserves question and a Roth conversion sizing question back-to-back, and why the right answer to each one depends entirely on the…
- How Retirees Plan for Healthcare Before Medicare Kicks In · 6 Min. · Folge 476Michael Decker, NSSA® answers a viewer question on retiring before 65, and how the options for covering healthcare before Medicare actually compare. The following is from Mike’s…
