Advertise on podcast: How to Retire on Time

Michael 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 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 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 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 an in-service 403(b) rollover, an index annuity, and withdrawal order, and why the real first question isn't about the account at all. 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® 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.

Is 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 the exit is nearly impossible, even for the best. 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.

Where 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. Michael Decker, NSSA® answers a viewer question on where to put retirement savings, and why the right answer depends on how old you are, when you want to retire, and what tax opportunities are available. 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.