How to Retire on Time

Michael 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 way, three stories up.

Ready to build a retirement plan around your life, not a product? 
Get the free book and tools 👉https://RetireOnTime.com/Free 
 
This is for educational purposes only and is not financial advice.  

Michael 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 following is from Mike’s weekly webinar.

Ready to build a retirement plan around your life, not a product? 
Get the free book and tools 👉https://RetireOnTime.com/Free 
 
This is for educational purposes only and is not financial advice. 

Michael 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 is from Mike’s weekly webinar.

Ready to build a retirement plan around your life, not a product? 
Get the free book and tools 👉https://RetireOnTime.com/Free 
 
This is for educational purposes only and is not financial advice.  

Michael 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 following is from Mike’s weekly webinar.

Ready to build a retirement plan around your life, not a product? 
Get the free book and tools 👉https://RetireOnTime.com/Free 
 
This is for educational purposes only and is not financial advice.  

Michael 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 from Mike’s weekly webinar.

Ready to build a retirement plan around your life, not a product? 
Get the free book and tools 👉https://RetireOnTime.com/Free 
 
This is for educational purposes only and is not financial advice.  

Michael 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 is from Mike’s weekly webinar.

Ready to build a retirement plan around your life, not a product? 
Get the free book and tools 👉https://RetireOnTime.com/Free 
 
This is for educational purposes only and is not financial advice.  

Michael 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 have.

The following is from Mike’s weekly webinar.

Ready to build a retirement plan around your life, not a product? 
Get the free book and tools 👉https://RetireOnTime.com/Free 
 
This is for educational purposes only and is not financial advice.  

Michael 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 left at 95.

The following is from Mike’s weekly webinar.

Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free 
 
This is for educational purposes only and is not financial advice.  

How 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 may make more sense to be dynamic about your future expenses as opposed to trying to map everything out. 

The following is from Mike’s weekly webinar.

Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free 
 
This is for educational purposes only and is not financial advice.  

Don’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 Medicare this year.

The following is from Mike’s weekly webinar.

Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free 
 
This is for educational purposes only and is not financial advice.