How to Retire on Time

“Hey Mike, how do you get out of a bad annuity? I need more liquidity but don’t want to pay the penalty…” Discover how to get out of an annuity that has low growth potential.

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“Hey Mike, why do people buy life insurance for estate planning? Don’t they just pass on whatever is left over?” Discover when it makes sense and when it does not make sense to buy life insurance for…

“Hey Mike, what do you do if you want to help your kids or grandkids?”Discover alternative ways to the 529 Plan when it comes to helping your kids and grandkids prepare for their future. 

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“Hey Mike, how do you recover when the markets go down?” Discover how to handle, both emotionally and economically, a downturn in the market. Mike shares some insight on a few ways you may be able to…

“Hey Mike, how do you know when your plan is perfect, or at least good enough?” Discover the real purpose behind a retirement plan and what you can do to help keep it in check. 

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“Hey Mike, can you explain why some rates, like high-yield savings rates, are going down while other rates, like mortgages and auto loans, are still higher than normal?” Discover the reality behind t…

“Hey Mike, what do most people do if they want to retire before full retirement age–where do they get their income? How do they take care of their health insurance?” Discover how to bridge the health…

“Hey Mike, what’s the story behind your company name?” Discover the story behind Kedrec Wealth and its simple philosophy. 

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“Hey Mike, how can I know if I am on track to retire on time?” Discover how much you should have saved and what your cash flow should look like at different stages of life. 

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“Hey Mike, is there such a thing as too much debt as I approach retirement?” Discover when it makes sense to pay off debt before retirement and when it makes sense to keep it and let your assets stay…

“Hey Mike, I’m about to sell some rental properties. I want to use it to buy other types of investment real estate, but I’m not sure I’ll find the right replacement property in time to do the 1031 ex…

“Hey Mike, I work with a financial advisor, but he doesn’t charge me anything. That doesn’t seem right. Can you help me figure out what I am paying in fees?” Discover the different ways financial pro…

“Hey Mike, does the 60/40 work in retirement?” Discover how the 60/40 stock/bond fund portfolio came to be and why it may be time to make a few updates to your portfolio. 

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“Hey Mike, do all financial advisors do basically the same thing?” Discover the tricky nuance the role of a financial advisor plays when it comes to your financial planning and money management. 

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“Hey Mike, I just got my taxes done. Any recommendations on things to look for in a return?” Discover the many ways your 1040 can help guide you on how to approach this year when it comes to your inv…

“Hey Mike, how do you find the best investments or products?” Discover how to vet various investments or products and why internal research may be better than taking those who sell those investments …

“Hey Mike, I’m 47 years old and finally have extra cash flow to start saving. Where should I start?” Discover where to save your money so you can get things in order in preparation for retirement. 

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“Hey Mike, should life insurance be a part of a retirement plan?” Discover when it may make sense and when it doesn’t make sense to include life insurance in your retirement preparation and plan. 

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“Hey Mike, I’m concerned about the market. Are there other places I can park my money until things settle down?” Discover the different ways you can protect assets or hedge against the stock market i…

“Hey Mike, in what situation would I need to worry about IRMAA, and what can I do to avoid those surcharges?” Discover ways to incorporate IRMAA (Income-Related Monthly Adjustment Amount) minimizatio…