Welcome to How to Retire on Time, a show that answers your questions about all things retirement, including income, taxes, Social Security, healthcare, and more. This show is an extension of the book How to Retire on Time, which you can grab today on Amazon or by going to www.howtoretireontime.com.
This show is intended for those within 10 years of their target retirement date or for those are are currently retired and are concerned about their ability to stay retired.
Join Mike as he interviews Richard Himmer, PhD about his new book, "Your Encore Years." Discover the non-financial planning aspects that are important to your happiness, joy, and well-being in retire…
“Hey Mike, what does it mean to “self-insure” in retirement?” Discover what it means to self-insure against long-term care needs and more.
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“Hey, Mike. How do I get my husband to take the last few years in retirement? He loves training, which feels risky. He believes he can make consistent returns and provide for us in retirement, but I …
“Hey Mike, which is better; dynamic indexes that change with the market or static indexes that don't really change?" Discover the benefits and detriments associated with newer dynamic indexes when co…
“Hey Mike, are there other high commissioned products out there like annuities that I should stay away from?” Discover various investments or products that pay a commission so you can be aware of pot…
“My portfolio always underperforms even though I do exactly what I am supposed to do. Why is that?” Discover why having a little bit of everything may not make sense for your specific situation and w…
“Hey, Mike, what do you expect to happen when interest rates start to go down?” Discover why the Fed lowering interest rates could be good or bad for the economy.
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“Hey Mike, do fiduciaries have conflicts of interest?” Discover why it may be impossible for a financial professional, even a fiduciary, to have a conflict of interest and what you can do about it.
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“Hey Mike, I think I can afford to retire, but I don't know what I'd do if I did. Any thoughts?” Discover the non-financial part of retirement planning that is often missed.
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“Hey Mike, when should someone use buffer ETS versus index annuities in their plan?” Discover the difference between these two products and why you may want to use one in certain situations and the o…
“Hey Mike, what's something you see that people often misunderstand about their portfolio?” Discover why Mike thinks the word risk is often misunderstood and how you should define it instead.
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“Hey, Mike. How can somebody know they are making the right decisions as they prepare for retirement without a financial adviser?” Discover why Mike thinks the financial services space needs to go th…
“Hey Mike, what lifestyle habits have you seen erode someone's retirement plan?” Discover hidden risks outside the stock market that you may want to consider.
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“Hey Mike, I want to work another five years before I retire, but I'm concerned my position won't be around that long. How do you plan for a situation like this?” Discover ways you can better prepare…
“Hey Mike, most of my investments are in a brokerage account. How do I set up my retirement plan without creating a huge tax bill.” Discover the nuance of shifting a non-retirement portfolio (not IRA…
“Hey Mike, what's one mistake you see many people make when they approach retirement?” Discover why your 401(k) growth strategy may not be right for you when you retire.
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“Hey Mike, is cash flow the most important part of retirement planning or am I missing something?” Discover how your cash flow planning affects your tax planning, Social Security optimization, health…
“Hey Mike, I’ve got a great portfolio and don’t want to sell any of it. How do you build a retirement plan around a portfolio without selling anything?” Discover how to slowly adjust your portfolio a…
“Hey Mike, how would you plan retirement if your kids still live at home?” Join Mike as he discusses a more common part of retirement planning; kids at home struggling to make it in the world on thei…
“Hey Mike, when is someone ‘retirement ready’?” Discover the non-financial side of retirement that could cause you to pause your retirement and rethink how you want your future to look.
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