How to Retire on Time

When Tax Planning Matters

Kedrec Wealth — Fri, 01 May 2026 06:00:00 -0500

“Hey Mike, when does tax planning really make a noticeable difference in a retirement plan?”

Discover how tax planning decisions can impact your income strategy and the long-term efficiency of your plan.

Text your questions to 913-363-1234.

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Can You Retire With $250,000?

Kedrec Wealth — Thu, 30 Apr 2026 06:00:00 -0500

“Hey Mike, can you retire with $250,000?”

Discover how structuring your income, taxes, and portfolio the right way may matter more than the total amount you’ve saved.

Text your questions to 913-363-1234.

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At 55, How Much Should I Have Saved?

Kedrec Wealth — Wed, 29 Apr 2026 09:52:24 -0500

“Hey Mike, how much should I have saved at 55 years old?”

Discover why focusing on a number can be misleading and how your retirement plan should be built around your income goals and lifestyle instead.

Text your questions to 913-363-1234.

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Why Warren Buffet Isn’t 100% in Stocks

Kedrec Wealth — Fri, 24 Apr 2026 06:00:00 -0500

Hey, Mike. If you can’t beat the market, then why doesn’t Warren Buffet just invest in the market.

Discover why investing with purpose and managing downside risk can be more important than trying to match the market every year.

Text your questions to 913-363-1234.

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Can AI Build My Retirement Plan?

Kedrec Wealth — Thu, 23 Apr 2026 13:14:05 -0500

Mike builds a retirement plan using Claude and ChatGPT.

Discover why building reliable retirement income takes more than data and how proper planning makes the difference.

Text your questions to 913-363-1234.

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How to Plan for Future Unknown Tax Brackets

Kedrec Wealth — Fri, 17 Apr 2026 06:00:00 -0500

“Hey Mike. How can you do tax planning when the rules keep changing?”

Discover how to balance future uncertainty with today’s tax rules.

Text your questions to 913-363-1234.

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The Difference Between Mutual Funds and ETFs in Your 401(k)

Kedrec Wealth — Wed, 15 Apr 2026 06:00:00 -0500

“Hey Mike. I have a rollover IRA account that was set up 15 years ago that has all mutual funds. Is it worth it to switch everything over to ETFs?”

Discover which path may be best for you.

Text your questions to 913-363-1234.

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Mistakes People Make When Selling at a Loss

Kedrec Wealth — Mon, 13 Apr 2026 06:00:00 -0500

“Hey Mike. How do you know if you should sell something at a loss and move on or if you should hold on and wait?”

Discover the guiding principles when trying to decide if you should hold a and investment or sell it and move on.

Text your questions to 913-363-1234.

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World War III: Should I Hold My Stocks?

Kedrec Wealth — Fri, 10 Apr 2026 06:00:00 -0500

“Hey Mike, Warren Buffett said he would hold stocks even if it were World War three, would you?”

Discover how to think about stocks during uncertain times and why having the right strategy matters.

Text your questions to 913-363-1234.

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$2 Million Retirement. How Long Will It Last?

Kedrec Wealth — Wed, 08 Apr 2026 06:00:00 -0500

“Hey Mike, how long does $2,000,000 last in retirement?”

Discover why retirement isn’t just about hitting a number. It's about starting with the lifestyle you want and then build your plan/portfolio around that goal.

Text your questions to 913-363-1234.

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How Income Planning Affects Healthcare Planning

Kedrec Wealth — Mon, 06 Apr 2026 06:00:00 -0500

“Hey, Mike. I’m having a hard time understanding how income planning affects healthcare planning. Can you elaborate?”

Discover how coordinating your income, taxes, and healthcare strategies can help you get more out of your money.

Text your questions to 913-363-1234.

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A Better Way to Sell My Rental: Vacant or Occupied

Kedrec Wealth — Fri, 03 Apr 2026 06:00:00 -0500

“Hey Mike, is it better to sell your rental properties with renters in it or when it is vacant?”

Discover how local laws, cash flow, and property conditions impact whether selling with tenants or vacant leads to a better outcome.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Planning for Rising Healthcare Costs

Kedrec Wealth — Thu, 02 Apr 2026 06:00:00 -0500

“Hey Mike, what’s the best way to plan for rising healthcare costs?”

Explore the key strategies for managing rising healthcare costs, including insurance options, investment approaches, and how to balance risk across your overall retirement plan.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Why Are My Friends Getting Better Annuity Rates Than Me?

Kedrec Wealth — Wed, 01 Apr 2026 06:00:00 -0500

Description: “Hey Mike, how come my friends are getting better annuities today? Is there anything I can do to switch my payout?”

Learn how changing market conditions impact returns across investments and why different strategies like annuities or real estate can perform better in different environments.

Text your questions to 913-363-1234.

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Responding to an Angry Commenter About REITs

Kedrec Wealth — Tue, 31 Mar 2026 06:00:00 -0500

From the comments… “REITs are garbage. Take a look at performance vs any index fund.. VOO, QQQM, anything. Stop it.”

Learn how different investments perform in different market conditions and why comparing strategies like annuities, real estate, and index funds requires the right context.

Text your questions to 913-363-1234.

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I’m Behind on My Retirement: What Should I Do?

Kedrec Wealth — Mon, 30 Mar 2026 06:00:00 -0500

Description: “Hey Mike, I am behind on my retirement savings. What should I do?”

Learn why taking more risk isn’t the answer and how to strategically catch up on retirement savings in today’s market environment.

Text your questions to 913-363-1234.

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How to Fix Your Missed RMD

Kedrec Wealth — Fri, 27 Mar 2026 06:00:00 -0500

“Hey Mike, I missed my RMD. What do I do next?“

Discover what to do if you missed your RMD in retirement.

Text your questions to 913-363-1234.

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How to Buy Your Retirement Home

Kedrec Wealth — Thu, 26 Mar 2026 06:00:00 -0500

“Hey Mike, I’m looking to buy my retirement house first, and then eventually sell my current house. How do you line this all up?“

Discover ways to sell your current home and move into your retirement home.

Text your questions to 913-363-1234.

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What to Look for on Your Tax Return

Kedrec Wealth — Wed, 25 Mar 2026 06:00:00 -0500

“Hey Mike, I just got my tax return done. What should I be looking for?“

Discover what to look for when you review your tax return.

Text your questions to 913-363-1234.

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Tax Minimization Strategy Often Overlooked

Kedrec Wealth — Tue, 24 Mar 2026 06:00:00 -0500

“Hey Mike, what’s one tax minimization strategy that often gets overlooked in retirement?“

Discover a few strategic ways you could minimize taxes in retirement.

Text your questions to 913-363-1234.

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How to Compare Your Retirement Income Options

Kedrec Wealth — Mon, 23 Mar 2026 06:00:00 -0500

“Hey Mike, what is the easiest way to break through all the jargon and compare income strategies for a soon-to-be retiree?“

Discover three ways you could structure income in retirement.

Text your questions to 913-363-1234.

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What to Use for Laddered Income in Retirement

Kedrec Wealth — Fri, 20 Mar 2026 06:00:00 -0500

“Hey Mike, what do you use to create a retirement income ladder?“

Discover different investments and products that you could use if you wanted to ladder out income in retirement.

Text your questions to 913-363-1234.

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Should You Move to a Tax-Free State in Retirement?

Kedrec Wealth — Thu, 19 Mar 2026 06:00:00 -0500

“Hey Mike, is it worth moving to a tax-free state in retirement?“

Discover how where you live can make a difference in retirement.

Text your questions to 913-363-1234.

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Why Annuities Lower Their Rates Mid-Contract

Kedrec Wealth — Wed, 18 Mar 2026 06:00:00 -0500

“Hey Mike, can you explain why my indexed annuity lowered its rates and now I’m stuck with no growth?“

Discover some of the reasons why an insurance company would lower their rates mid-contact.

Text your questions to 913-363-1234.

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DIY Retirement Portfolio Ideas

Kedrec Wealth — Tue, 17 Mar 2026 06:00:00 -0500

“Hey Mike, can you recommend an easy to managed portfolio for a DIY investor about to retire?“

Discover different ways you could design your portfolio in retirement (not investment advice).

Text your questions to 913-363-1234.

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Different Ways You Can Create Income in Retirement

Kedrec Wealth — Mon, 16 Mar 2026 06:00:00 -0500

“Hey Mike, does it make sense to diversify your retirement income streams? If yes, can you give some examples?“

Discover the benefits and detriments with different retirement income strategies.

Text your questions to 913-363-1234.

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What Many People Miss When Preparing for Retirement

Kedrec Wealth — Thu, 12 Mar 2026 06:00:00 -0500

Special Edition - Join Michael Decker as he discusses the first, and often missed step in retirement planning with Richard Himmer, PhD.

Discover the three most important relationships to have and the five activities that help support a meaningful and happy retirement.

Text your questions to 913-363-1234.

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What to Do If You Lose Your Job Right Before Retirement

Kedrec Wealth — Fri, 06 Mar 2026 06:00:00 -0600

“Hey Mike, I lost my job, I think I can afford to retire, but I don’t what to. How would you build a plan that allows me to go back to work every now and then?”

Discover the different ways you can determine if you should retire now, take a year off, or bridge the gap between now and when you get the next right job.

Text your questions to 913-363-1234.

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Why Healthcare Before 65 Needs Tax Planning

Kedrec Wealth — Thu, 05 Mar 2026 06:00:00 -0600

“Hey Mike, how do you plan for healthcare if you retire before 65?”

Discover how tax planning can influence your healthcare expenses before 65 years old.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Understanding Different Types of Buffered ETFs

Kedrec Wealth — Wed, 04 Mar 2026 06:00:00 -0600

“Hey Mike, what’s the difference between a dynamic buffered ETF and a target outcome buffered ETF?"

Discover the benefits and detriments of the different types of buffered ETFs available.

Text your questions to 913-363-1234.

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The Truth About Filing Early and Investing Your Social Security Benefits

Kedrec Wealth — Tue, 03 Mar 2026 06:00:00 -0600

“Hey Mike, should I take Social Security early and invest it instead of waiting for a higher benefit?”

Discover when it may make sense to file for your Social Security benefits and invest your benefits.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

There’s More to Tax Planning Than Just IRA to Roth Conversions

Kedrec Wealth — Mon, 02 Mar 2026 11:24:02 -0600

"Hey Mike, how do you solve for tax efficient retirement income?”

Discover various tax strategies you may want to consider in retirement.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

How to Handle Retirement Regret

Kedrec Wealth — Fri, 27 Feb 2026 06:00:00 -0600

“Hey Mike, I just retired and I completely regret the decision. The problem is the job market is not letting me back in. What should I do moving forward?”

Discover different ways to address retirement regret.

Text your questions to 913-363-1234.

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When to Pay Off Debt Before Retirement and When to Keep It

Kedrec Wealth — Thu, 26 Feb 2026 06:00:00 -0600

“Hey Mike, if I am 10 years away from retirement, but still have some debt, should I pay off my debt first or focus on saving in my IRA?”

Discover the difference between good debt and bad debt, and how to manage it in retirement.

Text your questions to 913-363-1234.

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How to Mix Lifetime Income with Portfolio Growth

Kedrec Wealth — Wed, 25 Feb 2026 06:00:00 -0600

“Hey Mike, I was told to put around 60% of my money into a life-time annuity and that would be basically the same as the 4% rule. Is that true?”

Discover a strategy that targets the income suggested by the 4% rule while leaving funds in the market to help offset future needs and inflation.

Text your questions to 913-363-1234.

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What to Consider Before Starting a Business in Retirement

Kedrec Wealth — Tue, 24 Feb 2026 06:00:00 -0600

“Hey Mike, I want to start a business in retirement to keep myself busy. What should I know?”

Discover why a business may or may not be a good idea in retirement.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

The Basics of the Bear Market Protocol

Kedrec Wealth — Mon, 23 Feb 2026 06:00:00 -0600

“Hey Mike, can you provide a practical explanation on how to implement the Bear Market Protocol?”

Discover a few ways you can position your portfolio now in preparation for a potential market crash.

Text your questions to 913-363-1234.

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A Quick Guide to Your Last 10 Working Years

Kedrec Wealth — Fri, 20 Feb 2026 06:00:00 -0600

“Hey Mike, what would you do in your final 10 working years?"

Discover some of the main questions you may want to ask so you can prepare now for a more efficient and optimized retirement plan and portfolio.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Should You Include Private Equity/Credit in Your Retirement Portfolio?

Kedrec Wealth — Thu, 19 Feb 2026 06:00:00 -0600

“Hey Mike, when would private equity play a role in your retirement portfolio?"

Discover when it may make sense to include private equity or private credit in your retirement portfolio, how it works, and some specific risks to consider.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Why The Plan Is Not as Important as the Strategy

Kedrec Wealth — Wed, 18 Feb 2026 06:00:00 -0600

“Hey Mike, why do you minimize the importance of a financial plan?"

Discover the purpose of a retirement plan, and why you may want to spend more time on the strategies you can implement in retirement.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

What Happened to Gold and Silver?

Kedrec Wealth — Tue, 17 Feb 2026 06:00:00 -0600

“Hey Mike, what happened to gold and silver?"

Discover a basic overview of why Gold and Silver dropped and what could happen moving forward.

Text your questions to 913-363-1234.

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Retirement Planning Regrets from 2025

Kedrec Wealth — Mon, 16 Feb 2026 06:00:00 -0600

“Hey Mike, what’s a retirement regret you saw in 2025?”

Discover two common regrets from many soon-to-be retirees from 2025.

Text your questions to 913-363-1234.

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Why Your Financial Plan Comes Second

Kedrec Wealth — Sat, 14 Feb 2026 08:00:00 -0600

"Hey Mike, how do you coordinate the financial part of retirement with everything else?”

Discover why you should plan your lifestyle before you plan your income and general financial plan.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Does the 60/40 Portfolio Still Work for Retirees?

Kedrec Wealth — Fri, 13 Feb 2026 06:00:00 -0600

“Hey Mike, to keep things simple, could the 60/40 split work for a retiree?”

Discover why simplicity could be dangerous if it ignores certain risk factors.

Text your questions to 913-363-1234.

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What Financial Professionals Won’t Admit

Kedrec Wealth — Thu, 12 Feb 2026 17:00:00 -0600

“Hey Mike, what’s the purpose of a financial planner?”

Discover when you may want to work with a financial advisor, and when it may not make sense.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

If an Annuity Guarantees a High Payout, Why Wouldn’t You Take It?

Kedrec Wealth — Thu, 12 Feb 2026 06:00:00 -0600

“Hey Mike, if an annuity can offer me 7% or more as guaranteed lifetime income, why wouldn’t I take it?”

Discover what those guarantees actually mean and how to evaluate whether they fit into a real retirement plan.

**Please note, 7% is based on a submitted question and not a verified product or offering. Annuity contacts and offers change over time.**

Text your questions to 913-363-1234.

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If You Have Less Than $1,000,000 Saved, Build Your Retirement Plan Differently

Kedrec Wealth — Wed, 11 Feb 2026 17:00:00 -0600

“Hey Mike, I have less than $1,000,000 saved for retirement. How does that change things as I prepare for retirement?”

Discover why those who have less should plan differently than those who have more saved for retirement.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Are 529 Plans Really the Best Way to Fund a Grandchild’s Education?

Kedrec Wealth — Wed, 11 Feb 2026 06:00:00 -0600

“Hey Mike, are 529 plans the best way to fund grandkids’ education?”

Discover when 529s make sense and when you may want to consider other strategies with more flexibility.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Ways to Invest in Real Estate Without Becoming a Landlord

Kedrec Wealth — Tue, 10 Feb 2026 17:00:00 -0600

“Hey Mike, what are different ways you can generate income from real estate without being a landlord?”

Discover different ways to include real estate in your retirement portfolio.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

How Lower Returns Can Actually Grow Your Money More

Kedrec Wealth — Tue, 10 Feb 2026 06:00:00 -0600

“Hey Mike, how can you claim that a lower average return can grow your money more overall? That doesn’t make any sense.”

Discover how sequence of returns, volatility, and behavior may matter more than headline performance.

Text your questions to 913-363-1234.

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Why Building a Retirement Plan Around Your Portfolio Is Backwards

Kedrec Wealth — Mon, 09 Feb 2026 06:00:00 -0600

“Hey Mike, can you walk through your planning process order and why you believe it needs to be that way? I’m a dividend investor and am building my plan around my portfolio, which you say is not the right way to go about it.”

Discover why your lifestyle expectations and tax strategies should come before investments.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Annuities Sold Under Different Names

Kedrec Wealth — Sun, 08 Feb 2026 08:00:00 -0600

“Hey Mike, my 401k is now offering lifetime income as a payout option. Isn’t that basically an annuity?”

Discover the different structured payout options you could use in retirement.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Indexed Annuities Explained: How They Work and When They Make Sense

Kedrec Wealth — Sat, 07 Feb 2026 09:00:00 -0600

“Hey Mike, can you explain how indexed annuities work, how to plan with them, and so on?”

Discover the good, the bad, and the ugly of indexed annuities, and when they may make sense as a part of your plan.

Text your questions to 913-363-1234.

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Where to Shop for Fixed-Rate Retirement Products

Kedrec Wealth — Fri, 06 Feb 2026 06:00:00 -0600

“Hey Mike, where are good places to shop for fixed rate products?”

Discover how to compare product options and where to look.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

How to Plan Around IRMAA and Medicare Surcharges

Kedrec Wealth — Thu, 05 Feb 2026 17:00:00 -0600

“Hey Mike, how do you plan around IRMAA?”

Discover how income timing, withdrawals, and tax strategy can help reduce IRMAA exposure.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

How to Respond to a Chaotic Start to the Year in the Markets

Kedrec Wealth — Thu, 05 Feb 2026 06:00:00 -0600

“Hey Mike, how should we react to the already crazy start to the new year?”

Discover how to stay disciplined when headlines, volatility, and emotion collide.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Starting Retirement Savings at 50: Strategies to Consider

Kedrec Wealth — Wed, 04 Feb 2026 06:00:00 -0600

“Hey Mike, if you’re 50 years old and are just starting to save for retirement, what would you do?”

Discover a realistic, no-panic framework that can help you catch up.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

What to Watch for When Filing Your Taxes This Year

Kedrec Wealth — Tue, 03 Feb 2026 06:00:00 -0600

“Hey Mike, what should I be looking for this year as I file my taxes?”

Discover common missed opportunities, red flags, and planning insights hidden in your tax return.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Should You Take Social Security Early and Invest It?

Kedrec Wealth — Mon, 02 Feb 2026 06:00:00 -0600

“Hey Mike, is it better to take social security late or take it before you need it and then invest it?”

Discover how longevity, taxes, and guaranteed income can change the math.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

What Should You Do With Extra Cash Flow in Retirement?

Kedrec Wealth — Sun, 01 Feb 2026 13:00:00 -0600

“Hey Mike, if you have enough income coming in, what do you recommend that you do with the extra cash flow?”

Discover how to prioritize your extra cash flow when you consider taxes, liquidity, and legacy goals.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

How a Financial Plan Really Works (And What to Expect)

Kedrec Wealth — Sat, 31 Jan 2026 14:00:00 -0600

“Hey Mike, how does a financial plan work? Can you give realistic expectations?”

Discover what Mike believes a retirement plan should include, and what many people are surprised to learn once they start the planning process.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

How to Spend Your Money in Retirement

Kedrec Wealth — Fri, 30 Jan 2026 06:00:00 -0600

“Hey Mike, I want to retire, but I’m having a hard time spending my money.”

Discover ways to make sense in your mind of your retirement income, potential portfolio growth, and expenses in retirement.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Should You Ever Keep Debt in Retirement?

Kedrec Wealth — Thu, 29 Jan 2026 06:00:00 -0600

“Hey Mike, is there ever a situation where you should keep your debt when you retire?“

Discover when debt can be strategic and when it becomes a silent risk.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Should You Still Invest in Growth 2–5 Years Before Retirement?

Kedrec Wealth — Wed, 28 Jan 2026 16:00:00 -0600

“Hey Mike, if you are 2 to 5 years from retirement, is it wise to keep investing in growth?”

Discover how to balance growth, protection, and liquidity as retirement approaches.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

What Your 1040 is Telling You About Your Financial Future

Kedrec Wealth — Wed, 28 Jan 2026 06:00:00 -0600

“Hey Mike, what should I be looking for in my 1040 this year as I file my taxes?“

Discover how your tax return reveals planning opportunities many people overlook.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Planning Retirement With Aging Parents and Helping Kids

Kedrec Wealth — Tue, 27 Jan 2026 06:00:00 -0600

“Hey Mike, how do you navigate helping your kids enter adulthood while saving for retirement and taking care of your parents?“

Discover how to set boundaries, prioritize goals, and avoid financial burnout.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Does Living Off the S&P 500 Really Work in Retirement?

Kedrec Wealth — Mon, 26 Jan 2026 11:06:46 -0600

“Hey Mike, many of my friends have fired their advisors, put everything in the S&P 500, and are now dollar-cost-averaging out of the market to generate income. Does that strategy really work?“

Discover the hidden risks behind popular “DIY retirement income” strategies.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Alternatives to Traditional Long-Term Care Insurance

Kedrec Wealth — Tue, 13 Jan 2026 06:00:00 -0600

“Hey Mike, is long-term care insurance worth buying at my age, or should I self-insure?”

Discover the different ways you could prepare for long-term care expenses in retirement, and the benefits and detriments of each option.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

How to Figure Out What You Will Likely Spend in Retirement

Kedrec Wealth — Mon, 12 Jan 2026 06:00:00 -0600

“Hey Mike, how do I calculate what my actual monthly expenses will be in retirement?”

Discover why your monthly expenses may change when you retire, and how to figure out how much that could be.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

From Where Should You Pull Your Retirement Income First?

Kedrec Wealth — Fri, 09 Jan 2026 06:00:00 -0600

“Hey Mike, I have both a traditional IRA and a Roth IRA - which one should I pull from first in retirement?”

Discover which type of account you may want to favor first and when it may make sense to blend income from both account types.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

A Big Mistake Many People Make When They Retire

Kedrec Wealth — Thu, 08 Jan 2026 06:00:00 -0600

“Hey Mike, what’s the biggest mistake you see people make when they’re about to retire?”

Discover a common mistake many make when they retire and what you may want to do instead.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Don’t Look for the ‘Perfect’ Withdrawal Rate. Do This Instead

Kedrec Wealth — Wed, 07 Jan 2026 11:38:18 -0600

“Hey Mike, what’s a safe withdrawal rate from my retirement accounts so I don’t run out of money?”

Discover why a withdrawal rate can be a trap and why your withdrawals should be based on your plan projections and portfolio allocations instead.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Why Pensions and Annuities Look Similar, but Are Different

Kedrec Wealth — Sat, 03 Jan 2026 08:00:00 -0600

“Hey Mike, what’s the difference between a pension and an annuity, and which is better?”

Discover why the two should be considered different, even though they have many similarities.

Text your questions to 913-363-1234.

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Why Your Portfolio Should Change When You Retire

Kedrec Wealth — Fri, 02 Jan 2026 06:00:00 -0600

“Hey Mike, what’s the best way to invest my money once I’m actually retired - should I get more conservative?”

Discover why your growth portfolio should be different than your retirement portfolio.

Text your questions to 913-363-1234.

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Why You May Not Want to Roll Your 401(k) Over, Yet

Kedrec Wealth — Thu, 01 Jan 2026 08:00:00 -0600

“Hey Mike, should I roll my 401(k) into an IRA when I retire, or leave it where it is?”

Discover some of the benefits of keeping your money in your 401(k) when you retire, whether that’s for state tax purposes (403(b) specifically) or for the Rule of 55.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

The Problem With Many Social Security Optimization Strategies

Kedrec Wealth — Wed, 31 Dec 2025 06:00:00 -0600

“Hey Mike, I’m confused about when to start Social Security - should I take it early at 62 or wait until 70?”

Discover why you need more information before you can determine when you should file for your Social Security benefits.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Start With Income Needs, Not Account Balances

Kedrec Wealth — Tue, 30 Dec 2025 13:25:28 -0600

“Hey Mike, how much should I really have saved before I can retire comfortably?”

Discover why you need to understand your income needs in retirement before you can understand your retirement savings goals.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

The Counterintuitive Calculation with Lifetime Income

Kedrec Wealth — Fri, 26 Dec 2025 06:00:00 -0600

"Hey Mike, I’m really conflicted whether or not I should buy an annuity for income. Can you provide some insight?”

Discover the benefits and detriments of having guaranteed income for life as a part of your retirement plan.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

How to Retire on $500,000

Kedrec Wealth — Thu, 25 Dec 2025 10:00:00 -0600

Merry Christmas! Thank you to all who listen to our show!

"Hey Mike, can I retire on $500,000?”

Discover why some people may be able to retire on $500,000 and how the planning changes when you have $500,000 or less.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Hidden Tax Traps You Need to Know About

Kedrec Wealth — Wed, 24 Dec 2025 09:00:00 -0600

"Hey Mike, I’m getting taxed when my retirement income should be tax free. Everything comes from Social Security and long-term capital gains. How can this be?”

Discover hidden tax traps that may cause you to pay more each year.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Why Your Annuities May Be Under Performing

Kedrec Wealth — Tue, 23 Dec 2025 06:00:00 -0600

"Hey Mike, my index annuity didn’t grow this past year when the market was up. Should I just get rid of it?”

Discover why your annuity may be under performing and what you can do about it.

Text your questions to 913-363-1234.

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When Diversification Makes Sense, and When it Can Hurt

Kedrec Wealth — Mon, 22 Dec 2025 06:00:00 -0600

"Hey Mike, is there such thing as too much diversification?”

Discover what ‘diversification’ really means, the different ways it may make sense, and when it can hurt you.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Which is Better: Buffered ETFs or Bond Funds?

Kedrec Wealth — Sat, 20 Dec 2025 08:00:00 -0600

"Hey Mike, when would I use a buffered ETF instead of a bond fund?”

Discover how Buffered ETFs and Bond Funds could play a role in your retirement plan and/or portfolio.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

How to Handle Healthcare Insurance in This Ever-Changing Environment

Kedrec Wealth — Fri, 19 Dec 2025 06:00:00 -0600

"Hey Mike, how does ACA subsidies going away affect retirement planning?”

Discover how the Affordable Care Act is changing and how you can still plan around the changes based on your retirement needs.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

The Benefits and Detriments of Using AI to Plan Your Retirement

Kedrec Wealth — Thu, 18 Dec 2025 06:00:00 -0600

"Hey Mike, can I use AI to build my retirement plan?”

Discover how AI can help you plan for your retirement while acknowledging some of the risks and potentially oversimplified advice it may give.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Can You Retire With $700,000?

Kedrec Wealth — Wed, 17 Dec 2025 06:00:00 -0600

"Hey Mike, can I retire with $700,000?”

Discover if $700,000 is enough to be able to retire and how your risks change based on how much or how little you have saved for retirement.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Why You Don’t do Your Income Planning First

Kedrec Wealth — Tue, 16 Dec 2025 11:27:25 -0600

"Hey Mike, when creating a plan, what do you focus on first?”

Discover why lifestyle planning should come first, and each step that should follow thereafter.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Is Limiting Your Income Worth the Deduction?

Kedrec Wealth — Fri, 12 Dec 2025 06:00:00 -0600

“Hey Mike, is it worth limiting your income to get the additional senior deduction?”

Why some people may want to plan around the different potential deductions, and others should just ignore them.

Text your questions to 913-363-1234.

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When Helping Your Kids Can Actually Hurt Them

Kedrec Wealth — Thu, 11 Dec 2025 06:00:00 -0600

“Hey Mike, I want to help my kids now while I’m alive. Do you have any do’s and don’ts when it comes to financially helping your kids?”

Discover why helping your kids who are making bad financial decisions may hurt them more overall.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Tips on How to Prepare to Sell Your Business

Kedrec Wealth — Wed, 10 Dec 2025 06:00:00 -0600

“Hey Mike, I’ve got a business that I plan to sell in a few years. Any tips on how to prepare for the sale and retirement?”

Discover where you may want to spend your time in order to prepare for a potentially better sale for your business.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Why Tax Planning is More Than IRA to Roth Conversions

Kedrec Wealth — Tue, 09 Dec 2025 06:00:00 -0600

“Hey Mike, can you explain what tax planning is? Everyone talks about it but then recommends IRA to Roth conversions.”

Discover different ways you could implement tax planning in your retirement plan other than IRA to Roth Conversions.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

What Has Worked May Not Continue to Work

Kedrec Wealth — Mon, 08 Dec 2025 06:00:00 -0600

“Hey Mike, enjoyed the book, but am having a hard time changing my portfolio. What I’m doing seems to be working. Why should I switch now?”

Discover why you may want to change your portfolio or investment strategies every now and then.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

What Comes First When Planning Retirement

Kedrec Wealth — Fri, 05 Dec 2025 06:00:00 -0600

"Hey Mike, retirement feels incredibly overwhelming. Where do you start?"

Discover what comes before financial planning.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

When You May NOT Want to Manage Your Portfolio in Retirement

Kedrec Wealth — Thu, 04 Dec 2025 06:00:00 -0600

"Hey Mike, how hard is it to learn how to manage a retirement plan on your own if you don’t have a financial background?"

Discover when it may make sense and when it probably doesn’t make sense to manage your assets in retirement.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

How Buffered ETFs Are Different Than Fixed-Indexed Annuities

Kedrec Wealth — Wed, 03 Dec 2025 06:00:00 -0600

"Hey Mike, how can some insurance companies offer a better version of a buffered ETF if they work in the same market?"

Discover what makes them similar and what makes them different.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

When to Start Lifetime Income

Kedrec Wealth — Tue, 02 Dec 2025 06:00:00 -0600

"Hey Mike, once you buy an annuity, is it better to take income when you retire, or wait so the income amount gets bigger?"

Discover when it may make sense to start your lifetime income when you retire, and when it may make sense to delay it.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Why You May Want the Market to Crash When you Retire

Kedrec Wealth — Mon, 01 Dec 2025 15:52:45 -0600

"Hey Mike, is it true that the first five years of retirement are the most risky for your portfolio?"

Discover three strategies that may make the next market crash an opportunity.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

What Are the Giving Machines? With Tammy Reid

Kedrec Wealth — Mon, 24 Nov 2025 09:18:19 -0600

An interview with Tammy Reid, wife of head coach Andy Reid, where she discusses her own family holiday traditions, the need for and joy that comes with giving, and her involvement with the Giving Machines in Kansas City.

For more information about the giving machines, click this link: https://www.churchofjesuschrist.org/welcome/christmas/light-the-world/giving-machines?lang=eng

Looking for volunteer opportunities? Check out JustServe: https://www.justserve.org/

Charitable Giving Special Episode (With Tammy Reid)

Kedrec Wealth — Sun, 23 Nov 2025 06:00:00 -0600

In this week's special episode, Mike talks to Tammy Reid, wife of head coach Andy Reid, about the joy of giving, and the Giving Machines located in Union Station in Kansas City (and elsewhere). Mike and David also discuss finding purpose in your encore years, and how giving of your time and talents can help you find purpose in retirement.

Giving Machines: https://www.churchofjesuschrist.org/welcome/christmas/light-the-world/giving-machines?lang=eng
JustServe: https://www.justserve.org/

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Different Ways to Gift While Minimizing Your Taxes

Kedrec Wealth — Fri, 21 Nov 2025 06:00:00 -0600

“Hey Mike, what are smart ways to donate to charities?”

Discover different ways to lower your tax bills while getting more of your money to a church or charity.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Why You May Want to Diversify by Strategy, not Just by Positions

Kedrec Wealth — Thu, 20 Nov 2025 06:00:00 -0600

“Hey Mike, what’s your favorite strategy or method for managing a portfolio?”

Discover the difference between active and passive management, while acknowledging the difference between trading stocks and funds.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Breaking Down Senior Healthcare Options

Kedrec Wealth — Wed, 19 Nov 2025 06:00:00 -0600

“Hey Mike, which is better, Original Medicare, Supplement (Medigap) Plans, or Advantage Plans?”

Discover why there’s no perfect solution for senior healthcare plans and how to research which is right for you.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

The Problem with Average Annual Returns

Kedrec Wealth — Tue, 18 Nov 2025 06:00:00 -0600

“Hey Mike, what’s a common misconception you run into with DIY investors?”

Discover why buying and holding ETFs may not be as good of a strategy as you may believe.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

An Introduction to Kedrec Wealth’s Bear-Market Protocol

Kedrec Wealth — Mon, 17 Nov 2025 06:00:00 -0600

“Hey Mike, can you explain in more detail your "Bear Market Protocol?’”

Discover different ways you can prepare now to take advantage of a market crash.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Is the Fed Cutting Rates a Good Thing?

Kedrec Wealth — Fri, 14 Nov 2025 06:00:00 -0600

"Hey Mike, what should we know about the Fed cutting rates?"

Discover some of the cautionary flags you may want to consider as the Federal Reserve signals more rate cuts.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

How to Balance Purpose-Driven Work and When you Should Retire

Kedrec Wealth — Thu, 13 Nov 2025 06:00:00 -0600

"Hey Mike, I want to keep working but it’s getting in the way of my IRA to Roth Conversions. What can I do?"

Discover why your purpose and work may be more important than paying slightly less in taxes.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Different Markets to Consider When Putting Your Portfolio Together

Kedrec Wealth — Wed, 12 Nov 2025 06:00:00 -0600

"Hey Mike, the stock market seems overvalued. Do you think the real estate market is also overvalued?"

Discover the different markets you can invest in, and how some are influenced by others.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Which Comes First: Social Security Optimization or Tax Minimization?

Kedrec Wealth — Tue, 11 Nov 2025 06:00:00 -0600

"Hey Mike, which should be done first, social security optimization or tax minimization planning?"

Discover why tax planning should be done before you optimize your social security benefits.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Why a Looming Potential Crash Should not Prevent You From Considering the Stock Market as a Part of Your Portfolio

Kedrec Wealth — Mon, 10 Nov 2025 06:00:00 -0600

"Hey Mike, I know I should be in the stock market, but I can’t get myself to go in since I think it’s going to crash. Is this normal? What else is there?

Discover how to diversify your assets by strategy and timeframe so you can appropriate expectations.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Be Cautious of Alleged Tax Loopholes

Kedrec Wealth — Fri, 07 Nov 2025 06:00:00 -0600

“Hey Mike, I’ve got many friends who have family businesses for retirement so they can write off their family travel and fun expenses. Does that really work?”

Discover why the fake businesses and other alleged tax loopholes don’t typically pass an audit.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Why Plans Could Change if You Saved More for Retirement

Kedrec Wealth — Thu, 06 Nov 2025 06:00:00 -0600

“Hey Mike, how does a retirement plan change if you have $250k saved vs $2.5 million.”

Discover why those who have less, even if they can afford to retire, may have more risk to consider.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Why Your 401(k) Growth Strategy May Not Work as Well in Retirement

Kedrec Wealth — Wed, 05 Nov 2025 06:00:00 -0600

“Hey Mike, I’ve managed my 401(k) my entire life; I just buy and hold index funds. Is retirement any different?”

Discover some of the risks associated with the idea that you can buy and hold your entire portfolio.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Why the Tax Qualification of Your Dividends Matter

Kedrec Wealth — Tue, 04 Nov 2025 06:00:00 -0600

“Hey Mike, I want to use dividends as my primary source of retirement income. How would you put a dividend portfolio together?”

Discover the different ways your dividends are being taxed, and what you can do to potentially make it more efficient.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Year-End Planning Strategies Many Miss

Kedrec Wealth — Mon, 03 Nov 2025 06:00:00 -0600

“Hey Mike, aside from IRA to Roth conversions, what else should I do in my year-end planning?”

Discover many of the other year-end strategies that may be able to help you get more out of your money.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

What to Know About Roth IRAs

Kedrec Wealth — Fri, 31 Oct 2025 06:00:00 -0500

"Hey Mike, can you clarify what happens when funds go into a Roth IRA?"

Discover the rules behind Roth IRAs, contributions to Roth IRAs and IRA to Roth conversions, so you can be more deliberate in your tax planning.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Ways to Create a Retirement Plan with Liquid Investments

Kedrec Wealth — Thu, 30 Oct 2025 06:00:00 -0500

"Hey Mike, can you create a retirement plan only using liquid investments?"

Discover the hidden potential opportunity cost when you maintain liquidity on all of your assets.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Ways to Approach a Tax Efficient Real Estate Exit

Kedrec Wealth — Wed, 29 Oct 2025 06:00:00 -0500

"Hey Mike, how do you map out which rental homes to sell and which to push out?"

Discover ways to map out your tax efficient real estate exit so you can retire from being a landlord.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

What are the Potential Risks in Today's Market?

Kedrec Wealth — Tue, 28 Oct 2025 06:00:00 -0500

"Hey Mike, what risks concern you based on current market conditions?"

Discover various risks Mike believes retirees face in the near future.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

All of my Money is in a Savings Account. How do I Fund my Retirement?

Kedrec Wealth — Mon, 27 Oct 2025 06:00:00 -0500

"Hey Mike, I have $1,000,000 in my savings account from the sale of my business and nothing in 401(k). How does this change my retirement planning?"

Discover how your retirement plan change based on where you saved your money and how extensive your tax planning is.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Ways to Help Your Kids and Grandkids Outside the 529 Plan

Kedrec Wealth — Fri, 24 Oct 2025 06:00:00 -0500

"Hey Mike, are there other ways outside the 529 plan to help my grandkids get ahead in life?"

Discover a couple of different ways you could help your grandkids get ahead. Remember, each path has its own benefits and detriments.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

What to Know About Lifetime Income From an Annuity

Kedrec Wealth — Thu, 23 Oct 2025 06:00:00 -0500

"Hey Mike, when someone pushes an annuity for lifetime income, the comparison is always in favor of the annuity. What are they not sharing?"

Discover the risks few fully discuss when it comes to lifetime income from an annuity, and why it may not be an apples-to-apples comparison.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Is the 4% Rule Still Valid?

Kedrec Wealth — Wed, 22 Oct 2025 06:00:00 -0500

"Hey Mike, there are many strategies out there suggesting income around 8% to 9%. Why are advisors still talking about out the 4% rule?"

Discover why it may not make sense to expect those higher rates to last and what to do to prepare for when things change.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

When IRA to Roth Conversions May Not be Beneficial

Kedrec Wealth — Tue, 21 Oct 2025 06:00:00 -0500

"Hey Mike, is there ever a situation where someone with IRA funds should not do IRA to Roth conversions?"

Discover the nuance behind IRA to Roth conversions and when it may not make sense to do them, based on your overall goals.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

An Explanation of Buffered ETFs

Kedrec Wealth — Mon, 20 Oct 2025 06:00:00 -0500

"Hey Mike, can you explain buffered ETFs and which you’d use in different situations?"

Discover how buffered ETFs work and different ways you may use them as a part of your plan and overall financial goals.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Ways to Protect Older Adults Financially

Kedrec Wealth — Sat, 18 Oct 2025 06:00:00 -0500

"Hey Mike, I’ve got older family members who are getting taken advantage of financially; how can I stop this from happening?"

Discover ways to address siblings that may be taking advantage of older adults.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

More Important: Growth or Tax Minimization?

Kedrec Wealth — Fri, 17 Oct 2025 06:00:00 -0500

"Hey Mike, which is more important, portfolio growth or tax minimization?"

Discover how tax minimization could get in the way of growing your wealth and why you may need to find the right balance for your specific situation.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

What to Know About Long-Term Care Insurance Through an Annuity

Kedrec Wealth — Thu, 16 Oct 2025 06:00:00 -0500

"Hey Mike, can you really get long-care insurance though an annuity without any medical exams?"

Discover the often-misunderstood parts of annuity income benefits that may help if you need long-term care assistance.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

What to Consider About IRA to Roth Conversions

Kedrec Wealth — Wed, 15 Oct 2025 06:00:00 -0500

"Hey Mike, everyone says I should do IRA to Roth conversion, but I’m not so sure."

Discover how your Social Security could get in the way of your IRA to Roth conversion goals, among other potential inefficiencies.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Are Advisors Able to Grow Assets Better Without any Downside Risk?

Kedrec Wealth — Tue, 14 Oct 2025 12:19:39 -0500

"Hey Mike, I don’t want any risk and currently have all my money in money market. If I gave it to an advisor, could they grow it better without any downside risk?"

Discover the problem you may run into if you only focus on avoiding market risk.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Are There Options if you Want Less Risk but Still Want Growth Potential?

Kedrec Wealth — Sun, 12 Oct 2025 13:00:00 -0500

Hey Mike, what are some safe places to put money that can still grow other than cash? Learn about the benefits and detriments of accounts that have growth potential with principal protection, so that you don’t have to endure the market roller coaster.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Is Being a Landlord Still Worth it?

Kedrec Wealth — Sun, 12 Oct 2025 06:00:00 -0500

Hey Mike, I’m getting 8% cash flow on my rental, but I don’t want to be a landlord. What are my options? Discover common misconceptions about real returns in property investments, and the many ways to leave your property management days behind.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Are Buffered ETFs and Indexed Annuities the Same Thing?

Kedrec Wealth — Sat, 11 Oct 2025 06:00:00 -0500

Hey Mike, aren’t buffered ETFs and indexed annuities basically the same thing? Learn how these two complex tools are similar, what protections they offer, and who should consider making one or both part of their retirement plan.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Is Tax Planning Important in a Retirement Plan?

Kedrec Wealth — Fri, 10 Oct 2025 06:00:00 -0500

Hey Mike, how much does tax planning really play a role in a retirement plan? Discover why the marriage of investment advice and tax planning could be crucial for achieving one’s lifestyle and legacy goals.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Is the Market Overvalued?

Kedrec Wealth — Thu, 09 Oct 2025 10:46:47 -0500

Hey Mike, is the market overvalued? Learn why stock prices may have risen faster than the underlying companies’ earnings or revenues, and what that means for future returns.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Retirement Planning If You Live Longer (or Shorter) Than Average

Kedrec Wealth — Fri, 03 Oct 2025 06:00:00 -0500

“Hey Mike, how does the planning change if you expect to live longer or shorter than average?” Learn how longevity expectations reshape Social Security timing, inflation risk, and your entire plan.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

How to Plan Income from Different Tax Buckets

Kedrec Wealth — Thu, 02 Oct 2025 06:00:00 -0500

“Hey, Mike, how do you plan income between your different tax buckets?” Discover how timing withdrawals and picking the right bucket can help you pay less in taxes.

Text your questions to 913-363-1234

Request Your Wealth Analysis by going to www.retireontime.com

How to Make Life Insurance Cash Value Work for You

Kedrec Wealth — Wed, 01 Oct 2025 06:00:00 -0500

“Hey, Mike, how do you manipulate life insurance so that the cash value grows better?” Learn how proper structuring—not manipulation—may turn life insurance into a tax-efficient planning tool.

Text your questions to 913-363-1234

Request Your Wealth Analysis by going to www.retireontime.com

Should Couples Keep Finances Separate in Retirement?

Kedrec Wealth — Tue, 30 Sep 2025 06:00:00 -0500

“Hey Mike, how do you create a plan for a couple who want to keep their finances separate?” Discover the challenges and strategies for building a plan when couples manage money individually.

Text your questions to 913-363-1234

Request Your Wealth Analysis by going to www.retireontime.com

How to Keep Income Flowing During a Market Crash

Kedrec Wealth — Mon, 29 Sep 2025 06:00:00 -0500

“Hey Mike, can you give several examples of how to keep income coming in during a market crash?” Learn how a bear market protocol can protect your income when markets fall.

Text your questions to 913-363-1234

Request Your Wealth Analysis by going to www.retireontime.com

What to Know Before Open Enrollment 2025

Kedrec Wealth — Fri, 26 Sep 2025 06:00:00 -0500

“Hey Mike, open enrollment is coming up. Anything we should know?” Discover what to watch for in Medicare and healthcare plans so you don’t get stuck with surprise gaps in coverage.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

The Truth About Annuity Bonuses

Kedrec Wealth — Thu, 25 Sep 2025 06:00:00 -0500

“Hey Mike, how can an insurance company offer a cash bonus when you fund their annuity?” Learn what’s really behind cash bonuses, how they work, and whether they’re worth it in the long run.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

How to Get Out of a non-qualified Variable Annuity (Without a Huge Tax Bill)

Kedrec Wealth — Wed, 24 Sep 2025 06:00:00 -0500

“Hey Mike, I’ve got a variable annuity I don’t want because of the taxes. What else can I do?” Discover strategies to exit annuities wisely while minimizing taxes and protecting your money.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.retireontime.com

Fixed vs. Index vs. Variable: What’s the Difference?

Kedrec Wealth — Tue, 23 Sep 2025 06:00:00 -0500

“Hey Mike, what’s the difference between fixed, index, and variable life Insurance?” Learn the key distinctions between different investments and products you may want to consider in retirement or before.

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What the Fed’s Rate Cuts Could Mean for Your Money

Kedrec Wealth — Mon, 22 Sep 2025 09:39:08 -0500

“Hey Mike, what should we expect from the market now that the Fed is cutting rates?” Discover how rate cuts may impact the economy, your investments, and what you may be able to do to protect your portfolio.

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How to Leave an Inheritance Without Ruining Your Kids

Kedrec Wealth — Fri, 19 Sep 2025 06:00:00 -0500

“Hey Mike, I’m concerned that my estate will ruin my kids as they are not very good with money, what should I do?” Discover strategies that could help protect your legacy while setting your kids up for success.

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Private Equity in 401(k)s: Opportunity or Risk?

Kedrec Wealth — Thu, 18 Sep 2025 06:00:00 -0500

“Hey Mike, what do you think about private equity becoming available in 401(k)?” Discover the potential benefits, and big risks of adding private equity to your retirement plan.

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What to Expect When Working with a Financial Advisor

Kedrec Wealth — Wed, 17 Sep 2025 06:00:00 -0500

“Hey Mike, I’ve never worked with an advisor, what should I expect?” Discover what the first experience with a financial advisor should look like and how to know if you’ve found the right fit.

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Tax-Efficient Retirement Income from a Brokerage Account

Kedrec Wealth — Tue, 16 Sep 2025 06:00:00 -0500

“Hey Mike, I have most of my retirement savings in my brokerage account, how should I set up my income to also be tax efficient?” Discover strategies that may make your money last longer by minimizing taxes in retirement.

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What to Know Before Retiring in Your 50s

Kedrec Wealth — Mon, 15 Sep 2025 06:00:00 -0500

“Hey Mike, I plan to retire in my early fifties, what do I need to know?” Discover the key risks and considerations of early retirement that may make or break your plan.

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Your Encore Years - A Special Episode

Kedrec Wealth — Fri, 12 Sep 2025 09:46:05 -0500

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 retirement.

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Breaking Down the Self-Insure Option

Kedrec Wealth — Fri, 05 Sep 2025 06:00:00 -0500

“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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How to Get on the Same Page as Your Spouse When It Comes to Risk

Kedrec Wealth — Thu, 04 Sep 2025 06:00:00 -0500

“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 am not so sure.” Discover different ways to get your spouse on the same page as you when it comes to investments, risk, and your overall retirement.

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Dynamic Indexes vs. Static Indexes

Kedrec Wealth — Wed, 03 Sep 2025 06:00:00 -0500

“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 compared to the more traditional static indexes like the S&P 500 or the Dow Jones Industrial.

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A Difficult Conversation Around Commissions

Kedrec Wealth — Tue, 02 Sep 2025 06:00:00 -0500

“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 potential conflicts of interest.

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When Broad Diversification May Not Make Sense

Kedrec Wealth — Mon, 01 Sep 2025 06:00:00 -0500

“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 what to consider doing instead.

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Why Lowering Interest Rates Could Mean Several Things

Kedrec Wealth — Fri, 29 Aug 2025 06:00:00 -0500

“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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When Even Fiduciaries Have a Conflict of Interest

Kedrec Wealth — Thu, 28 Aug 2025 06:00:00 -0500

“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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Two Parts to Retirement Planning: Financial and Non-Financial

Kedrec Wealth — Wed, 27 Aug 2025 06:00:00 -0500

“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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Buffered ETFs vs Fixed Indexed Annuities

Kedrec Wealth — Tue, 26 Aug 2025 06:00:00 -0500

“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 other in other situations.

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It’s Time to Change Your Definition of Risk

Kedrec Wealth — Tue, 26 Aug 2025 01:09:53 -0500

“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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An Unconventional Look at Your Advisor’s Services

Kedrec Wealth — Fri, 22 Aug 2025 06:00:00 -0500

“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 through a big shift in how it does business and what

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There’s More Risk Than Market Risk to Consider

Kedrec Wealth — Thu, 21 Aug 2025 06:00:00 -0500

“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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How to Plan for the Last 10 Years of Your Career

Kedrec Wealth — Wed, 20 Aug 2025 06:00:00 -0500

“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 for retirement during the last stretch of your career.

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Ways to Adjust a Non-Retirement Portfolio

Kedrec Wealth — Tue, 19 Aug 2025 06:00:00 -0500

“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 or Roth) into something more appropriate for retirement while acknowledging the tax consequence along the way.

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Don't Make This Mistake as You Prepare for Retirement

Kedrec Wealth — Mon, 18 Aug 2025 06:00:00 -0500

“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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Why You Should Assume Everything Affects Everything Else in Retirement

Kedrec Wealth — Fri, 15 Aug 2025 06:00:00 -0500

“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, healthcare planning, estate planning, and so much more.

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Why It Is Hard to Sell Your Best Investments, Even When You Know You Should

Kedrec Wealth — Thu, 14 Aug 2025 10:06:55 -0500

“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 as you get closer to retirement.

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How to Retire When Kids are Still Living at Home

Kedrec Wealth — Wed, 13 Aug 2025 06:00:00 -0500

“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 their own.

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“Hey Mike, when is someone ‘retirement ready’?”

Kedrec Wealth — Tue, 12 Aug 2025 06:00:00 -0500

“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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There’s No Such Thing as a Riskless Retirement

Kedrec Wealth — Mon, 11 Aug 2025 06:00:00 -0500

“Hey Mike, what causes people to go broke in retirement?” Discover some retirement risks you may not know exist. There’s no such thing as a riskless retirement. Join Mike as he shares different ways you can prepare for retirement.

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What Are Buffered ETFs and Are They Right for You?

Kedrec Wealth — Fri, 08 Aug 2025 06:00:00 -0500

“Hey Mike, tell me more about buffered ETFs?” Discover some of the benefits or detriments associated with Buffered ETFs. Please note, there are many types of Buffered ETFs. Do you research to determine if it makes sense for your situation or not.

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How Much Should You Plan on Spending in Retirement?

Kedrec Wealth — Thu, 07 Aug 2025 06:00:00 -0500

“How do you figure out your cash flow in retirement?" Discover why you should not assume that you’ll spend the same amount of money each month in retirement as you spent when you were working. It may be more. It may be less.

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Are Deductions Still Worth It?

Kedrec Wealth — Wed, 06 Aug 2025 06:00:00 -0500

“Hey Mike, people always talk about deducting their expenses. Is it really worth it and what counts for a deduction?” Discover the reality of deductions, your tax returns, and how you may want to approach your tax strategies in the future.

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The Risks You Have When You DIY Your Retirement Management

Kedrec Wealth — Tue, 05 Aug 2025 06:00:00 -0500

“Hey Mike, can you set realistic expectations for someone who gets a plan and then manages it on their own?”

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Flat-Market Warning Signs You Need to Know

Kedrec Wealth — Mon, 04 Aug 2025 06:00:00 -0500

“Hey Mike, I know you can’t predict the market, but could you give a general market update?” Discover why today is very similar to 1998 and why Mike believes there could be a flat market cycle in the near future.

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How to Approach Your Portfolio in Retirement, Even When Markets Crash

Kedrec Wealth — Fri, 01 Aug 2025 10:32:24 -0500

"Hey Mike, I’m getting tired of watching the markets each day. I can’t get past the fear of another market crash. Any tips?” Discover a new way to consider your investments and portfolio. There’s a good chance the market will crash a couple of times during your retirement. Learn about how to maintain the right mindset.

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How to Sell Your Investment Real Estate Before Retirement

Kedrec Wealth — Thu, 31 Jul 2025 06:00:00 -0500

“Hey Mike, how do you determine if it makes sense to sell your rental property and pay the tax or do a 1031 exchange into something else?” Discover strategies that can help you avoid paying capital gains and depreciation recapture taxes when you sell your investment real estate.

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Why You May Not Need a Death Benefit in Retirement

Kedrec Wealth — Wed, 30 Jul 2025 06:00:00 -0500

“Hey Mike, I have a list insurance policy but don’t feel I need the death benefit anymore. What should I do?” Discover why it may not make sense to maintain your life insurance policy in retirement. Life insurance has fees. Are they eroding your portfolio?

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Why You Need to Pay Attention to Your MAGI in Retirement

Kedrec Wealth — Tue, 29 Jul 2025 10:38:55 -0500

“Hey Mike, a lot of the Big Beautiful Bill tax changes revolve around the MAGI. What is it and what do we do about it?” Discover what is the Modified Adjusted Gross Income and why that matters when it comes to your retirement plan.

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How to Figure Out Your Cash Flow Amount in Retirement

Kedrec Wealth — Fri, 25 Jul 2025 06:00:00 -0500

"Hey Mike. I'm having a hard time getting started with my retirement plan. Where should I start?" Discover how to design your lifestyle in retirement so that you can determine how much it could cost each month.

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Different Living Situations for Retirees

Kedrec Wealth — Thu, 24 Jul 2025 06:00:00 -0500

"Hey Mike. We are looking for a retirement community to enjoy. What are the differences between buy-in communities, co-ops, and other options?” Discover the differences between living at home, living in a co-op, and so on so that you can start to plan based on what is right for you.

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Why You May Not Want to “Plan and Invest Like the Rich."

Kedrec Wealth — Wed, 23 Jul 2025 06:00:00 -0500

Hey, Mike. I'm 60 years old with 1,200,000.0 in a traditional IRA. Should I convert 120,000 each year so I don't have to worry about RMDs? Discover the trap set by trying to plan and invest like someone else. Listen as Mike breaks down the importance of building a plan and a portfolio that works for your specific situation.

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Why You May Not Want to Convert All Your Money to Roth

Kedrec Wealth — Tue, 22 Jul 2025 06:00:00 -0500

“Hey Mike, I'm 60 years old with 1,200,000.0 in a traditional IRA. Should I convert 120,000 each year so I don't have to worry about RMDs?” Discover the problem with aggressive IRA to Roth conversions and the overall tax-free retirement goal.

Text your questions to 913-363-1234.

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How Social Security Taxes Have Changed

Kedrec Wealth — Mon, 21 Jul 2025 06:00:00 -0500

“Hey, Mike. I heard that Social Security is now tax free. Is that true?” Discover changes to the tax code and how you can potentially use it to your advantage.

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Different Ways to Get Funds into Roth or Other Tax-Free Accounts

Kedrec Wealth — Fri, 18 Jul 2025 06:00:00 -0500

“Hey Mike, what’s the best way to get funds into a Roth IRA?”

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Benefits and Detriments with “Fixed-Income” (Income from Bonds)

Kedrec Wealth — Thu, 17 Jul 2025 06:00:00 -0500

"Hey Mike, I plan on living off of income from my bond portfolio. What's the risk with this income strategy and how do you plan around it?”  Discover when it makes sense to use bonds as an income source, and why you may want to blend this income strategy with another growth-focused strategy.

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Why the Market, Politics, and Other Concerns Should Not Delay Your Retirement

Kedrec Wealth — Wed, 16 Jul 2025 06:00:00 -0500

“Hey Mike, with all that is going on, is now still a good time to retire?” Discover how to build your plan so you can retire when it makes sense for you, regardless of what is going on elsewhere.

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The Problem with Filing for Social Security Early with the Intention of Investing Your Benefits

Kedrec Wealth — Tue, 15 Jul 2025 06:00:00 -0500

“Hey Mike, when does it make sense to file for Social Security early so you can take the benefits and reinvest them?” Discover when it may make more sense to delay your benefits.

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Why More Risk Doesn’t Necessarily Mean More Reward

Kedrec Wealth — Mon, 14 Jul 2025 06:00:00 -0500

“Hey Mike, I am comfortable taking risks, even in retirement. For people like me, what type of portfolio would you recommend.” Discover why taking more risks may actually hurt you in the long-term and in the short-term when you retire.

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Renting or Buying: Which is Better in Retirement?

Kedrec Wealth — Fri, 11 Jul 2025 06:00:00 -0500

“Hey Mike, is it better to rent or buy a home in retirement?”Discover the benefits and detriments of renting, buying, and buying with low maintenance.

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How Your Social Security Taxes are Calculated

Kedrec Wealth — Thu, 10 Jul 2025 06:00:00 -0500

“Hey Mike, is it true that Roth Income affects your social security taxes bracket?”Discover how your Social Security benefits are calculated and if your Roth IRA income affects those calculations.

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Income Strategies for the First Five Years of Your Retirement

Kedrec Wealth — Wed, 09 Jul 2025 06:00:00 -0500

“Hey Mike, I want guaranteed income for the first few years of retirement, not for life. Is a bond ladder the best strategy?”Discover different ways you would set up your retirement income strategy for the first five years of your retirement without depending on lifetime income streams from annuities.

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What Are Your 401(k) Fees?

Kedrec Wealth — Tue, 08 Jul 2025 06:00:00 -0500

“Hey Mike, I tried to calculate my 401k fees and it looks like I’m paying around 3%. Is that even possible?” Discover the different types of fees that may be a part of your 401(k) plan and what you can do about it.

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How War Can Affect the Market

Kedrec Wealth — Mon, 07 Jul 2025 06:00:00 -0500

“Hey Mike, why did the market go up after Iran was bombed? I even the potential or war would crash the market.” Discover why war may not affect the market as you would expect and what to look for instead.

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What does “Self-Insuring” Really Mean?

Kedrec Wealth — Fri, 04 Jul 2025 06:00:00 -0500

“Hey Mike, can you explain what you mean by “self-insuring?” Discover what it means to “self-insure” and when it may make sense.

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Ways to Give to Your Kids and Grandkids

Kedrec Wealth — Thu, 03 Jul 2025 06:00:00 -0500

“Hey Mike, what are ways you’ve seen people give to their kids and grandkids?” Discover several ways you can give to your kids and grandkids while you are alive and when they may need it more.

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What to Do Once You Receive a Large Sum of Money

Kedrec Wealth — Wed, 02 Jul 2025 06:00:00 -0500

“Hey Mike, I just sold my business for five million dollars. What do you typically recommend someone like me do next?” Discover the behavioral risks when you receive a large sum of money from selling a business, receiving a large inheritance, or even winning the lottery.

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Why the 4%, 6%, or Even 8% Withdrawal Rates Could Be Consider Dangerous

Kedrec Wealth — Tue, 01 Jul 2025 06:00:00 -0500

“Hey Mike, I’m being told by others that 8% works as a retirement withdrawal rate. Is that true?” Discover why the high withdrawal rates are becoming more popular and why they may be more dangerous than you realize.

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Fees and Where to Find Them

Kedrec Wealth — Mon, 30 Jun 2025 23:14:36 -0500

“Hey Mike, can you breakdown fees, where to find them, and how to build a good portfolio while being mindful of fees?” Discover various types of fees and where to find so you can determine if you are getting the value expected for the amount of money you pay in fees each year.

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Why Social Security Is More Secure Than You May Realize

Kedrec Wealth — Fri, 27 Jun 2025 06:00:00 -0500

“Hey Mike, how do you prepare for Social Security potentially going away?” Discover what really drives Social Security benefits and why you shouldn’t be as concerned about Social Security solvency as others would have you believe.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com

Why Inflation May Not Be Under Control

Kedrec Wealth — Thu, 26 Jun 2025 06:00:00 -0500

"Hey Mike, do you think inflation is under control?” Discover why Mike believes inflation could come roaring back and how to prepare for the potential risk.

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What College and Professional Athletes Need to Know About Money

Kedrec Wealth — Wed, 25 Jun 2025 06:00:00 -0500

“Hey Mike, I’m a college athlete that is about to get paid. I don’t want to go broke like so many other athletes. Any tips on how to keep your money?” Discover why many athletes go broke and what can be done to help prevent it from happening.

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Why Financial Advisors Make Money When You Don’t

Kedrec Wealth — Tue, 24 Jun 2025 06:00:00 -0500

“Hey Mike, how come financial advisors make money, even when the client loses money?” Discover the reason why advisors charge a flat rate or a percentage-based fee for their services and how to determine if you are getting your money’s worth with the amount you are paying in fees.

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Why Cash May Not Be as Safe as You May Think

Kedrec Wealth — Mon, 23 Jun 2025 06:00:00 -0500

“Hey Mike, I’m scared about the market and am all in cash and short-term CDs. What risks, if any, do you think I am taking by doing this?” Discover how cash can crash when inflation hits and why it may be more difficult to recover from hyperinflation than an actual market crash.

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Risks Associated with CDs and Treasuries

Kedrec Wealth — Sat, 21 Jun 2025 06:00:00 -0500

"Hey Mike, can I use CDs and Treasuries only for my reservoir?" Discover risks associated with CDs, Treasuries, and other fixed interest investments/products, and what you could do instead.

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What to Consider Doing Now Incase the Dollar Continues Loses Value

Kedrec Wealth — Fri, 20 Jun 2025 10:13:10 -0500

"Hey Mike, how do you prepare for a potential currency collapse?" Discover places you could put your money in case the United States dollar continues to go down in value.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com

How to Big Beautiful Bill Could Affect Your Retirement

Kedrec Wealth — Thu, 19 Jun 2025 18:00:00 -0500

"Hey Mike, can you breakdown how the Big Beautiful Bill will affect those in retirement?" Discover some of the ways the Big Beautiful Bill could affect your retirement for better and for worse based on what is in the current version.

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Why All Cash May Be Riskier Than You Think

Kedrec Wealth — Wed, 18 Jun 2025 21:54:54 -0500

"Hey Mike, I’m concerned about the next market crash. I don’t want to try and time the market, but it still keeps me up at night. Any tips?" Discover the problems with trying to time the market or sitting in cash based on a feeling.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

The Problems with Marketing in Financial Services

Kedrec Wealth — Sun, 15 Jun 2025 06:00:00 -0500

"Hey Mike, do I really need $1.26 million dollars to retire comfortably?” Discover why you may be seeing random numbers and goals in financial services advertisements. Also, uncover the problem associated with these oversimplified claims and why you should dive into the details of your own financial situation. 

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Non-Financial Tips That Can Help You Stay Sharp and Healthy

Kedrec Wealth — Sat, 14 Jun 2025 06:00:00 -0500

"Hey Mike, I have been retired for a number of years now. What are some ways retirees can stay active and engaged in their communities after leaving the workforce?" Discover some non-financial aspects of retirement that may need to be addressed if you want to live a long, healthy, and happy life.

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How to Handle Risk Differences In a Relationship

Kedrec Wealth — Fri, 13 Jun 2025 06:00:00 -0500

Hey Mike, My spouse and I have different ideas of how much risk we should be taking when it comes to investing our retirement funds. How can we find a balance that works for both of us?” Discover how to address a divide in risk tolerance and find a solution that works for all parties involved. 

How to Address Loans Against Your 401(k)

Kedrec Wealth — Thu, 12 Jun 2025 16:46:18 -0500

Hey Mike, I just retired this month and have an outstanding retirement loan (against my 401k) with a balance of $8,000.00. The payment is $680.00 per month. I’d like to stop paying that. What is the best way to handle this outstanding balance - default or pay myself back with my portfolio?” Discover how to address if you should pay the loan off quickly or if it makes sense to pay it off slowly. Also, learn how to find the information needed to settle the balance.

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A Brief History of “AI” Running Investment Models

Kedrec Wealth — Wed, 11 Jun 2025 14:41:07 -0500

“Hey Mike, is AI better than an advisor at making trades and managing a portfolio?” Discover how Wall Street has been using “AI” for decades and how it may not drastically change their abilities. Also, learn how the average investor may increase their risk by using AI for themselves without sufficient experience or understanding (the Dunning Kruger Effect).

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Stock Picking vs Buying Indexes

Kedrec Wealth — Fri, 06 Jun 2025 06:00:00 -0500

“Hey Mike, should I be buying and holding stocks, or investing in cheap S&P 500 ETFs like SPY and VOO for the long term?” Discover the difference between buying individual stocks vs buying an index and holding it for a long-term period of time.

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How to Align Your RMD with Your Income Strategy

Kedrec Wealth — Thu, 05 Jun 2025 06:00:00 -0500

“Hey Mike, what are these “RMDs” I am hearing about, and how do they fit into my retirement income strategy?” Discover the potential tax inefficiencies caused by Required Minimum Distributions and various strategies you can implement to help take action now.

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What to Consider When Planning to Retire Abroad

Kedrec Wealth — Wed, 04 Jun 2025 06:00:00 -0500

“Hey Mike, I want to retire to Mexico where the cost of living is less and the weather is great year round. What financial considerations do I need to make?” Discover some potential unknown risks associated with living abroad in retirement. This is not a comprehensive conversation, but more of a high-level starting point.

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Why You May Want to Lower Risk as You Approach Retirement

Kedrec Wealth — Tue, 03 Jun 2025 06:00:00 -0500

“Hey Mike, I am 60 and plan to retire in five years. My 401(k) is almost entirely equities; what moves should I be making to prepare for retirement?”

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Why Lifetime Income from Annuities May Sound Better Than It Is

Kedrec Wealth — Mon, 02 Jun 2025 15:59:43 -0500

“Hey Mike, how can an annuity offer a guaranteed withdrawal rate of 6.5% when we are told you should only take out 4% from your portfolio?” Discover the risks associated with lifetime income so you can prepare for those risks or move in another direction. Remember, there’s no such thing as a perfect investment, product, or strategy.

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Reasons Why the Future (and Market) Looks Bright

Kedrec Wealth — Fri, 30 May 2025 06:00:00 -0500

“Hey Mike, how much more can the market continue to grow?” Discover why Mike believes the future is bright and full of opportunity.

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What You Can Do if You Want to Maintain Liquidity

Kedrec Wealth — Thu, 29 May 2025 06:00:00 -0500

“Hey Mike, I don’t like anything locked up for a long term period of time. What are my reservoir options?” Discover how to fund your reservoir/storehouse while maintaining more liquidity overall. There’s no such thing as a perfect investment, product, or strategy. Learn how to blend liquidity, growth potential, and protection in a portfolio that works for you.

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How to Plan Your Retirement While Preparing to Help Support a Parent

Kedrec Wealth — Wed, 28 May 2025 06:00:00 -0500

“Hey Mike, how do you plan for taking care of your parents during your own retirement?” Discover some of the financial and non-financial conversations you may want to have as you prepare to help a parent in need.

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Research Ideas for Those Looking for Investment Opportunities

Kedrec Wealth — Tue, 27 May 2025 06:00:00 -0500

“Hey Mike, what sectors or stocks do you think are worth investing in right now?” Discover a couple of tricks that can help guide your research when you are looking for companies to potentially invest in.

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How to Turn Your 401k Into a Retirement Plan

Kedrec Wealth — Mon, 26 May 2025 06:00:00 -0500

“Hey Mike, how do you turn your 401k into a retirement plan?” Discover how to create your retirement plan when most of your savings are in a 401k. Learn why Mike believes you should put a general plan together first, explore strategies second, and design the portfolio third.

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Is Debt OK In Retirement?

Kedrec Wealth — Fri, 23 May 2025 06:00:00 -0500

“Hey Mike, walk me through paying off my credit card debt versus maxing out my IRA contributions.” Discover the difference between good debt and bad debt in general and how it applies to retirement.

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When It Makes Sense to Delay Your Retirement

Kedrec Wealth — Thu, 22 May 2025 06:00:00 -0500

“Hey Mike, I'm considering delaying my retirement by a few years. What are the potential financial benefits and drawbacks of doing so?” Discover the non-financial reasons why you may want to delay your retirement.

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The Difference Between Buffered ETFs and Structured Notes

Kedrec Wealth — Wed, 21 May 2025 06:00:00 -0500

“Hey Mike, what’s better? Caps, like on a buffered ETF, or participation, like on a structured note?” Discover the different ways you can make money with indexed products, like Buffered ETFs and structured notes.

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Why You Shouldn’t Plan Solely on a Withdrawal Rate

Kedrec Wealth — Tue, 20 May 2025 06:00:00 -0500

“Hey Mike, I am 60 years old with $1,000,000 in my 401k. How much income can I get in retirement if I were to retire today?” Discover why seeking the right withdrawal rate may not be the right question. Learn why investments or products will shape your income more than other aspects of your plan and or portfolio.

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Why You May Not Want to Blindly Follow An Indicator or Signal

Kedrec Wealth — Mon, 19 May 2025 06:00:00 -0500

“Hey Mike, can you share any indicators that would give us a heads up that the market is ready to start growing again?” Discover the danger of trading based on indicators, like moving averages, when you are still learning how to invest.

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How to Prepare for RMDs so They Don’t Become a Problem Later

Kedrec Wealth — Fri, 16 May 2025 06:00:00 -0500

“Hey Mike, how can I avoid or reduce my taxes on RMDs?” Discover ways to prepare for and lower your RMDs so they do not become a tax or income problem later on in retirement.

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Tips on How to Vet Investments and Products

Kedrec Wealth — Thu, 15 May 2025 06:00:00 -0500

“Hey Mike, can you share how you vet different investments?” Discover some of the strategies Mike uses when it comes to vetting investments and products.

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How to Optimize for Survivor Benefits (Social Security, Pension, and Other)

Kedrec Wealth — Wed, 14 May 2025 06:00:00 -0500

“Hey Mike, how do you optimize survivor benefits?” Discover how to optimize for survivor benefits and how to identify the risks associated with different strategies.

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Tips on How to Determine Your Retirement Cash Flow Needs

Kedrec Wealth — Tue, 13 May 2025 06:00:00 -0500

“Hey Mike, how do you plan for monthly expenses and extra large purchases?” Discover how you can figure out your cash flow needs in retirement before you retire.

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Should You Do IRA to Roth Conversions at the Beginning or End of the Year?

Kedrec Wealth — Mon, 12 May 2025 06:00:00 -0500

“Hey Mike, is it better to do IRA to Roth Conversions at the beginning of the year or the end of the year?” Discover when it makes sense to do IRA to Roth Conversions at the beginning of the year and when it makes sense to do them at the end of the year.

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What to Do During Turbulent Market Conditions

Kedrec Wealth — Fri, 09 May 2025 06:00:00 -0500

Hey Mike, where are you investing during these volatile times? Discover how Mike is navigating these turbulent market conditions.

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The Reason Social Security Should Not Be Optimized by Itself

Kedrec Wealth — Thu, 08 May 2025 06:00:00 -0500

"Hey Mike, how do you optimize Social Security?" Discover how your Social Security benefits could affect your portfolio, income plan, tax plan, estate plan, and more.

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What to Do With Old 401(k)s

Kedrec Wealth — Wed, 07 May 2025 06:00:00 -0500

“Hey Mike, if we have changed careers once or twice and now have multiple 401(k)s. What do you recommend we do with them? Let’s assume one of them rolled over into an IRA.” Discover when it makes sense to roll funds out of old 401(k)s and when it makes sense to keep funds in old 401ks.

This is our 200th episode! Thank you all for listening!

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If You Want Lifetime Guaranteed Income, Make Sure You Understand Your Options Before Buying an Annuity

Kedrec Wealth — Tue, 06 May 2025 06:00:00 -0500

“Hey Mike, I know you don’t like lifetime income, but if you were to recommend a product, which one would it be?” Discover the different options for lifetime guaranteed income and why the option talked about the least may be the best option for you.

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Why You Can’t Separate Growth Potential and Risk

Kedrec Wealth — Mon, 05 May 2025 06:00:00 -0500

“Hey Mike, how do you increase growth as a conservative investor?” Discover why you are compensated for the risk you are willing to take while correctly defining what risk is within the investment world.

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When it Makes Sense to Work in Retirement

Kedrec Wealth — Fri, 02 May 2025 06:00:00 -0500

“Hey Mike, I am married and my spouse has suggested I go back to work part-time in retirement, both for income and to stay busy. What are some things I should consider before doing so?” Discover why hams are not made to sit around and play all day. In this episode, Mike dives into how to design a purpose-driven retirement plan so that you can have a potentially smooth transition into your best years.

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When Does an ETF or Mutual Fund Make Sense

Kedrec Wealth — Thu, 01 May 2025 06:00:00 -0500

“Hey Mike, what’s the difference between an ETF and a Mutual Fund?” Discover what is really going on when you invest in a mutual fund or ETF, and why they may be doing the job of your advisor.

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Which is Worse, Taxes or Inflation?

Kedrec Wealth — Wed, 30 Apr 2025 06:00:00 -0500

“Hey Mike, which is worse in retirement: taxes or inflation?” Discover why Mike believes inflation is more of a risk than taxes when it comes to retirement planning and longevity.

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Why Your Generic Diversified Portfolio May Not Be as Good as You Think

Kedrec Wealth — Tue, 29 Apr 2025 06:00:00 -0500

“Hey Mike, what does a ‘diversified portfolio’ look like?” Discover why Mike believes broad diversification is not as good as many would suggest, as he dives into the details of what it means to diversify by objectives.

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How to Decide Where to Put Excess Income in Preparation for Retirement

Kedrec Wealth — Mon, 28 Apr 2025 06:00:00 -0500

“Hey Mike, I am in my 40s, I have maxed out all of my retirement account contributions for the year, and I have more money I want to save. Where should I put that money?” Discover why it is important to have a plan put together before you decide where you invest your excess cash flow.

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Why There Are Many Layers to Income and Withdrawal Strategies in Retirement

Kedrec Wealth — Fri, 25 Apr 2025 06:00:00 -0500

“Hey Mike, what’s the smartest way to draw down your accounts?” Discover how to take income from your accounts, even when markets don’t look good.

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When Insurance May Make Sense (and When You Want to Stay Clear) in Retirement

Kedrec Wealth — Thu, 24 Apr 2025 06:00:00 -0500

“Hey Mike, what are the types of insurance policies that are applicable in retirement?” Discover various types of insurance policies and how they can be used in retirement.

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Why the $1,000,000 Retirement Benchmark Doesn’t Make Sense

Kedrec Wealth — Wed, 23 Apr 2025 06:00:00 -0500

“Hey Mike, can you retire today with $1,000,000, or is that an outdated benchmark?” Discover how to find your target retirement savings goal.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com

When It Makes Sense to File as Married Filing Separate

Kedrec Wealth — Tue, 22 Apr 2025 06:00:00 -0500

“Hey Mike, should my wife and I file married but separate so we can have one of us provide household income while the other does IRA to Roth conversions?” Discover when it may make sense to file Married Filing Separate and why how you file each year matters.

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Why "Infinite Banking" May Not Be as Good as It Seems

Kedrec Wealth — Mon, 21 Apr 2025 06:00:00 -0500

“Hey Mike, can you explain the concept of 'Infinite Banking' and tell me if it is a good strategy or not?” Discover why Infinite Banking may not be as good as some would suggest, and the true numbers behind any permanent life insurance policy.

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How to Find Good Stocks

Kedrec Wealth — Fri, 18 Apr 2025 06:00:00 -0500

“Hey Mike, do you have any favorite stocks that you can recommend?” Discover a simple methodology that can help you find and vet stocks as you put your portfolio together.

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Ways to Get Out of an Annuity You Bought Recently

Kedrec Wealth — Thu, 17 Apr 2025 06:00:00 -0500

“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.

Text your questions to 913-363-1234.

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Why People Buy Life Insurance for Estate Planning Purposes and What Many Miss

Kedrec Wealth — Wed, 16 Apr 2025 06:00:00 -0500

“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 your estate planning purposes.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

Alternative Ways to Help Your Kids or Grandkids Get Ahead In Life

Kedrec Wealth — Tue, 15 Apr 2025 06:00:00 -0500

“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.

Text your questions to 913-363-1234.

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What Do You Do When Markets Go Down?

Kedrec Wealth — Mon, 14 Apr 2025 06:00:00 -0500

“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 cut your losses and move on to bigger and better opportunities.

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Why Your Financial Plan Will Never Be Perfect (And That’s OK)

Kedrec Wealth — Fri, 11 Apr 2025 06:00:00 -0500

“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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Request Your Wealth Analysis by going to www.yourwealthanalysis.com

How Interest Rates Affect Investments Differently

Kedrec Wealth — Thu, 10 Apr 2025 06:00:00 -0500

“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 the Federal Reserve, the Treasury, and the market.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com

How to Bridge the Gap Between When You Want to Retire and When Medicare Starts

Kedrec Wealth — Wed, 09 Apr 2025 06:00:00 -0500

“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 healthcare gap between when you want to retire and when Medicare starts.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com

The Meaning Behind Kedrec Wealth

Kedrec Wealth — Tue, 08 Apr 2025 06:00:00 -0500

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

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How to Find Out if You Are on Track to Retire on Time

Kedrec Wealth — Mon, 07 Apr 2025 08:11:05 -0500

“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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Request Your Wealth Analysis by going to www.yourwealthanalysis.com

How to Handle Debt When You Retire

Kedrec Wealth — Fri, 04 Apr 2025 06:00:00 -0500

“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 invested. The answer may surprise you.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

What You Need to Know About 1031 Exchanges and Real Estate Deals

Kedrec Wealth — Thu, 03 Apr 2025 06:00:00 -0500

“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 exchange. Any tips?” Discover the timelines and details of a 1031 exchange that can help real estate investors move money from one like-kind property to another while deferring capital gains tax.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com

How Financial Advisors Make Money

Kedrec Wealth — Wed, 02 Apr 2025 06:00:00 -0500

“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 professionals (advisors or agents) make money so you can better spot potential conflicts of interest.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com

Why the 60/40 Portfolio May Need an Update

Kedrec Wealth — Tue, 01 Apr 2025 06:00:00 -0500

“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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What’s the (Real) Purpose of Working with a Financial Advisor (In our opinion)

Kedrec Wealth — Mon, 31 Mar 2025 06:00:00 -0500

“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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What to Do With Your Tax Return

Kedrec Wealth — Fri, 28 Mar 2025 06:00:00 -0500

“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 investments and financial decisions.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com

Why You May Want to Vet Investments and Products Yourself

Kedrec Wealth — Thu, 27 Mar 2025 06:00:00 -0500

“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 or products at their word.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

How to Catch Up on Your Retirement Savings

Kedrec Wealth — Wed, 26 Mar 2025 06:00:00 -0500

“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.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

When Life Insurance Can Play a Role in Retirement

Kedrec Wealth — Tue, 25 Mar 2025 06:00:00 -0500

“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.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

Different Markets to Place Assets Until Things Settle Down

Kedrec Wealth — Mon, 24 Mar 2025 09:03:37 -0500

“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 in or near retirement while also positioning yourself for upside potential to help keep up with inflation.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com

Strategies that Can Help Reduce Medicare Surcharges (IRMAA)

Kedrec Wealth — Fri, 21 Mar 2025 06:00:00 -0500

“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) minimization into your tax and healthcare plan.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com

Why Even Flat-Fee Advisors May Have Conflicts of Interest

Kedrec Wealth — Thu, 20 Mar 2025 06:00:00 -0500

“Hey Mike, are flat-fee advisors more trustworthy than advisors who take a commission?” Discover the conflicts of interest associated with different types of advisors.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com

Different Ways to Include Your HSA in Your Retirement Plan

Kedrec Wealth — Wed, 19 Mar 2025 06:00:00 -0500

“Hey Mike, how do you include HSA plans in a retirement plan?” Discover various retirement planning strategies that can include your HSA.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com

When Target Date Funds May Make Sense (and When They Do Not)

Kedrec Wealth — Tue, 18 Mar 2025 06:00:00 -0500

“Hey Mike, should target date funds be a part of my portfolio?” Discover the ins and outs of how target date funds work and if they are right for you or not.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com

Retirement Preparation Tips for Those Who May Not Consider Themselves Wealthy

Kedrec Wealth — Mon, 17 Mar 2025 09:53:57 -0500

“Hey Mike, do lower to middle income earners have a chance at retirement?” Discover various tips and tricks on how to prepare for and enjoy retirement if you are not a higher-income earner.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com

Why Social Security Optimization and Tax Minimization is Changing

Kedrec Wealth — Fri, 14 Mar 2025 06:00:00 -0500

“Hey Mike, with Social Security taxes potentially going away, how does that affect Social Security optimization?” Discover how the new tax billing going through congress could cause retirees to adjust their tax minimization and Social Security optimization strategy.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com

When to Sell Stocks That Have Lost Money (And When to Wait for them to recover).

Kedrec Wealth — Thu, 13 Mar 2025 06:00:00 -0500

“Hey Mike, I have some stocks that are down. Should I wait for them to recover, or should I just sell them and move on? Discover the nuance found when considering if you should sell a position at a loss or not.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com

Tips on Researching Where to Move When You Retire

Kedrec Wealth — Wed, 12 Mar 2025 06:00:00 -0500

“Hey Mike, when I retire, I plan to move to a more affordable city. Any tips on what to look for and how to research this?” Discover various metrics to research and consider before you sell everything and move to your retirement destination.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com

Why Working With a CFP Should Not Be the Only Thing You Look For in an Advisor

Kedrec Wealth — Tue, 11 Mar 2025 06:00:00 -0500

“Hey Mike, what are the benefits of working with a CFP?” Discover the benefits of working with a CFP while acknowledging that each CFP may have different opinions on how to put your retirement plan together. Join Mike as he encourages people to focus on the strategy first, and then the people behind the strategy second.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com

Why Bonds May Do Better Than Stocks in the Near Future

Kedrec Wealth — Mon, 10 Mar 2025 06:00:00 -0500

“Hey Mike, I heard the bonds are expected to do better than stocks over the next few years. How is that possible?” Discover the market risk known as the flat-market cycle and why it may make sense to diversify your assets in more than one market.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com

What We Believe Every Retirement Income Strategy Needs

Kedrec Wealth — Fri, 07 Mar 2025 06:00:00 -0600

“What’s the best withdrawal strategy in retirement?” Discover the various ways to take income in retirement and why we believe there’s one key strategy that should be implemented in tandem with your other strategies.

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When it May Be Appropriate to Take More Risk in Retirement With A Portion of Your Portfolio

Kedrec Wealth — Thu, 06 Mar 2025 06:00:00 -0600

“Hey Mike, how risky or aggressive can you be in retirement?” Discover how to design your portfolio to be ready for market crashes. When implemented correctly, it may allow you to take some of your assets and allocate them to something with more growth potential (and more risk).

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

How the Ultra-Wealthy Minimize Their Tax Burdens and Why it May Not Make Sense For Your Situation

Kedrec Wealth — Wed, 05 Mar 2025 06:00:00 -0600

“Hey Mike, how do the rich avoid paying taxes?” Discover some strategies the ultra-wealthy use to pay less in taxes and the significant risks associated with those strategies.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com

Why the Right Answer to Financial Questions is “It Depends”

Kedrec Wealth — Tue, 04 Mar 2025 06:00:00 -0600

“Hey Mike, why do financial advisors always seem to give the same answer, ‘It depends?’” Discover the nuance found within financial planning and why you should be cautious when you get general/oversimplified advice.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

How to Set Your Individual Retirement Savings Goal (And What to do When You are Close)

Kedrec Wealth — Mon, 03 Mar 2025 06:00:00 -0600

“Hey Mike, how much do I need to save for retirement?” Discover a quick way to define your retirement savings goal and what to do once you start getting close to that goal.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

When it Makes Sense to Manage Your Own Money and When to Hire a Professional Money Manager

Kedrec Wealth — Fri, 28 Feb 2025 06:00:00 -0600

“Hey Mike, when does it make sense to work with a financial professional, and when does it make sense to manage your money on your own?” Discover the natural progression of learning how to invest on your own, learning from your mistakes, and then identifying what you may want to delegate to a financial professional.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

How to Address Inflation Risk in Retirement

Kedrec Wealth — Thu, 27 Feb 2025 06:00:00 -0600

“Hey Mike, how do you plan around inflation risk?” Discover the importance of growth within your retirement plan and the different ways you can grow your assets while also not keeping everything at risk.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

Discover the Origin Story of the Kedrec Reservoir Strategy

Kedrec Wealth — Wed, 26 Feb 2025 06:00:00 -0600

“Hey Mike, how did you come up with the reservoir strategy?” Discover the origin story that led to the creation of the Kedrec Reservoir Strategy.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

Why it is Important to Define the Benefits and Detriments of Any Investment or Product

Kedrec Wealth — Tue, 25 Feb 2025 06:00:00 -0600

“Hey Mike, what are some questions people should ask about retirement planning but don’t?” Discover various blind spots retirees and near-retirees have and why we need to stop having such strong opinions about any investment or product. In this episode, Mike breaks down various investments and products as tools that may be used or may not be used in your retirement plan and/or portfolio.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com

How to Prepare to Retire on Time, Based on Your Age and Goals

Kedrec Wealth — Mon, 24 Feb 2025 06:00:00 -0600

“Hey Mike, when should you create your retirement plan?” Discover what you could be doing during each decade of your life to prepare for retirement, from your 20s until your 70s.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

AI Stocks, Bubbles, and Creative Destruction

Kedrec Wealth — Fri, 21 Feb 2025 06:00:00 -0600

“Hey Mike, Should I sell my Nvidia stock?” Join Mike has he discusses the potential risks of buying and holding stocks with more risk to creative destruction.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

Why Every Retirement Plan Should be Different

Kedrec Wealth — Thu, 20 Feb 2025 06:00:00 -0600

“Hey Mike, is there one right way to plan for retirement?” Discover different ways you can structure your retirement plan to support your lifestyle and legacy goals while allowing you to live within your emotional and economic limits.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

How to Plan Your Retirement if You Want to Live Abroad

Kedrec Wealth — Wed, 19 Feb 2025 06:00:00 -0600

“Hey Mike, how do you plan for retirement if you want to live abroad?” Discover the ins and outs of living abroad in retirement so you can prepare for the retirement you want. Join Mike as he discusses Social Security, Medicare, and more and how it may impact your plan.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

When it May Make Sense to Pay Off Your Mortgage Before You Retire

Kedrec Wealth — Tue, 18 Feb 2025 06:00:00 -0600

“Hey Mike, should you pay off your mortgage before you retire?” Discover the nuance behind debt, investments, and retirement planning so you can determine if it makes sense for you to pay off your mortgage before retirement or during retirement.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

The Difference Between an Index, Indexing, and an Indexed Investment or Product

Kedrec Wealth — Mon, 17 Feb 2025 06:00:00 -0600

“Hey Mike, can you explain the difference between an index, indexing, and an indexed investment?” Discover why each of these terms matters when you put together your retirement portfolio.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

Flat-Fee vs Assets Under Management Fees

Kedrec Wealth — Fri, 14 Feb 2025 06:00:00 -0600

“Hey Mike, what’s your opinion on the flat-fee advisors vs advisors who charge a percentage for a fee?” Discover the difference between different advisors, their fee structures, and which may be right for you.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

How A Rollover May Offer You More Control Over Your Retirement Accounts

Kedrec Wealth — Thu, 13 Feb 2025 06:00:00 -0600

“Hey Mike, should I rollover my 401(k) into an IRA or just leave it where it is?” Discover what options open up when you roll over your employer-sponsored retirement account to an IRA.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

When Life Insurance May Factor Into Your Retirement Plan

Kedrec Wealth — Wed, 12 Feb 2025 06:00:00 -0600

“Hey Mike, do I need life insurance in retirement?” Discover when life insurance may make sense in retirement and when you should steer clear.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

Why Changes to Social Security Shouldn’t Keep You Up at Night

Kedrec Wealth — Tue, 11 Feb 2025 06:00:00 -0600

“Hey Mike, how are you planning for the potential decrease in Social Security benefits?” Discover strategies that can help you take a more proactive approach to potential changes in Social Security.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

Your Retirement Goal Line is Near – How Your Playbook Changes in Retirement

Kedrec Wealth — Mon, 10 Feb 2025 06:00:00 -0600

“Hey Mike, I’m three years away from when I want to retire. My portfolio is 100% equities. How should my portfolio change as I approach retirement?” Discover what changes retirees may want to make as they approach retirement.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

How to Determine If Your Current Retirement Plan is Oversimplified

Kedrec Wealth — Fri, 07 Feb 2025 06:00:00 -0600

“Hey Mike, do you recommend the 60/40 portfolio for a retiree, or do you follow the rule of 100?” Discover risks associated with traditional portfolio strategies for retirees and why you may want to consider implementing Kedrec’s Reservoir as a part of your plan and portfolio.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

Why Tax Planning and Your Investments Are Connected

Kedrec Wealth — Thu, 06 Feb 2025 06:00:00 -0600

“Hey Mike, how would you plan differently if you had someone with $2 million in an IRA vs someone with $2 million in a brokerage account?” Discover how your retirement plan and strategies can change based on how much you have in pre-tax, after-tax, and tax-free accounts.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

The Difference Between Various Real Estate Investment Options

Kedrec Wealth — Wed, 05 Feb 2025 06:00:00 -0600

“Hey Mike, what’s the difference between a DST and a REIT?” Discover various investment options that may make sense to have in your retirement portfolio.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

How Much Does it Cost to be You?

Kedrec Wealth — Tue, 04 Feb 2025 06:00:00 -0600

“Hey Mike, how does someone figure out how much income they need in retirement?” Discover how to break down your pre-retirement expenses and your post-retirement expenses so you can plan for the lifestyle you want in retirement.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

When It Makes Sense to Work With An Advisor

Kedrec Wealth — Mon, 03 Feb 2025 06:00:00 -0600

“Hey Mike, every time I’ve entertained working with an advisor, they recommend funds that I could have gotten on my own. Is there any difference between what advisors can offer and what we can get on our own?” Discover investments and products that you can only get through an investment advisor or licensed insurance agent and why it may make sense to explore other marketplaces with them.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com

Why Healthcare Planning Is More Than Long-Term Care Planning

Kedrec Wealth — Fri, 31 Jan 2025 06:00:00 -0600

“Hey Mike, I don’t want to buy Long-Term Care insurance. What other ways could I prepare for future healthcare costs?” Discover the various health risks many miss and how to plan for them.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

What Retirees Need to Know About Rental Property

Kedrec Wealth — Thu, 30 Jan 2025 06:00:00 -0600

“Hey Mike, I’m a landlord who’s stuck with my properties because I don’t want to pay the taxes. Is there any way out?” Discover why some retirees may be overestimating the return on their real estate investments. Mike breaks down the details while sharing various exit strategies for those who don’t want to be a landlord anymore.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

What Could Happen if Teen Workers Invested in a Roth?

Kedrec Wealth — Wed, 29 Jan 2025 06:00:00 -0600

“Hey Mike, what advice do you have for teens and their retirement?” Discover an intuitive concept that may allow you to save enough to pay for the majority of your retirement before you graduate college.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

Is the Dividend Portfolio Still Reliable?

Kedrec Wealth — Tue, 28 Jan 2025 06:00:00 -0600

“Hey Mike, if I can get dividends at around 8% per year, then why would I do anything else?” Discover various risks many miss when it comes to dividend income in retirement.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

How to Approach Your Stock Holdings With a Low Basis

Kedrec Wealth — Mon, 27 Jan 2025 06:00:00 -0600

“Hey Mike, what’s the best way to deal with a company stock that has a low basis?” Discover what “Net Unrealized Appreciation” is and how it may be a good tax strategy for you when you get ready to retire.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

The Purpose of a Reservoir in a Retirement Plan

Kedrec Wealth — Fri, 24 Jan 2025 06:00:00 -0600

“Hey Mike, if I fund my Reservoir, can I afford to take more risk with the other parts of my portfolio?” Discover why having some assets protected, aka the Reservoir, can enable you to take more risk elsewhere in your portfolio (if you want).

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

How Much Do You Need to Save Before You Can Retire?

Kedrec Wealth — Thu, 23 Jan 2025 06:00:00 -0600

“Hey Mike, how can you really know if you can afford to retire or not?” Discover how to put together an efficient retirement plan designed to last longer than you®, while recognizing that there are a lot of unknowns.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

Is There an Optimal Balance Between Protected Assets and Growth Assets?

Kedrec Wealth — Wed, 22 Jan 2025 06:00:00 -0600

“Hey Mike, what is the best option for your reservoir?” Discover the various ways to fill your reservoir based on the needs of your plan. Understand all the benefits and detriments associated with products and investments such as CD’s, Treasuries, annuities, and more.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

Where You Draw Income From During Retirement Matters

Kedrec Wealth — Tue, 21 Jan 2025 06:00:00 -0600

“Hey Mike, how do you know what to sell within your portfolio in order to generate income?” Discover how to implement efficient income strategies during retirement so that you know what accounts to draw income from when it comes to your account balances and tax implications.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

Why Shorting the Market May Not Be a Good Strategy for Retirees

Kedrec Wealth — Mon, 20 Jan 2025 06:00:00 -0600

“Hey Mike, how do you feel about shorting the market?” Discover the significant risks associated with the trading strategy known as “shorting.” Listen as Mike explains why your investment objective as you approach retirement is to stay rich, not to get rich.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

Why You Can’t Have a Riskless Retirement

Kedrec Wealth — Fri, 17 Jan 2025 06:00:00 -0600

“Hey Mike, how do you get rid of risk in retirement?” Discover the truth behind retirement and the various risks you may experience. There’s no way to completely get rid of risk in retirement or in life in general. Listen to Mike discuss how to address the risks that will keep you up at night while living with the risks that you are comfortable taking.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

Why Did Mortgage Rates Go Up When the Fed Lowered Rates?

Kedrec Wealth — Thu, 16 Jan 2025 06:00:00 -0600

“Hey Mike, why did mortgage rates go up after the Fed dropped rates?” Discover how the Fed’s rate works and why it is not correlated to mortgage rates, as many would assume.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

What Many People Don’t Realize When it Comes to Timelines and Tax Planning

Kedrec Wealth — Wed, 15 Jan 2025 06:00:00 -0600

“Hey Mike, when do you start doing tax planning?” Discover various tax planning strategies you can implement based on your age and objectives.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

When You Can (and Cannot) Dip Into Your Principal in Retirement

Kedrec Wealth — Tue, 14 Jan 2025 06:00:00 -0600

“Hey Mike, is it ever OK to dip into your principal?” Discover various ways to generate income and when it may make sense to dip into your principal. Hint: there are many variables that should be accounted for when considering the right path for you.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

Why You May Want to Consider Diversifying Out of the Magnificent Seven

Kedrec Wealth — Mon, 13 Jan 2025 06:00:00 -0600

“Hey Mike, I want to work with a financial advisor, but none of them seem to be able to beat the magnificent seven. If that’s true, why would I ever change what I have in my portfolio?” Discover the wisdom behind why professional financial advisors don’t go all in on a couple of stocks and why you may want to lower your exposure to the Magnificent Seven.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

How to Handle Your Personal Cash Flow in Retirement

Kedrec Wealth — Fri, 10 Jan 2025 06:00:00 -0600

“Hey Mike, how do people manage their income in retirement? As in, do they get it once a year and have to spread it out? Do people get monthly checks?” Discover the mechanics of pulling income from your assets and turning it into monthly checks, like what you experienced in your previous job.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

Four Strategies to Consider When Seeking Growth in Your Portfolio

Kedrec Wealth — Thu, 09 Jan 2025 06:00:00 -0600

“Hey Mike, can you break down the four strategies you use when investing in the stock market?” Discover the differences between absolute return models, fundamental analysis, momentum models, and indexing when you consider growth strategies for your portfolio.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

How to Navigate Healthcare and Health Insurance Before Medicare Starts

Kedrec Wealth — Wed, 08 Jan 2025 06:00:00 -0600

“Hey Mike, how do people navigate healthcare before they qualify for Medicare?” Discover the ins and outs of your health insurance options before you qualify for Medicare.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

What are Buffered ETFs and do They Qualify for the Reservoir Strategy?

Kedrec Wealth — Tue, 07 Jan 2025 06:00:00 -0600

“Hey Mike, how do you feel about Buffered ETFs? Would they work as a part of the reservoir strategy? Discover how buffered ETFs work and when they may make sense to include in your overall portfolio.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

Why People Need to Check Their Assumptions When it Comes to Their Investment Decisions

Kedrec Wealth — Mon, 06 Jan 2025 06:00:00 -0600

“Hey Mike, what’s something you’ve learned over the years that changed how you invest people’s money?” Listen to Mike share his journey as he continued to challenge ideas and strategies that he was taught early on in his career as he pursued truth, and what was really best for the client.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

How Much Principal Protection is Enough When You Retire?

Kedrec Wealth — Fri, 03 Jan 2025 06:00:00 -0600

“Hey Mike, is a three year reservoir enough for retirement?” Discover the risks associated with having a smaller reservoir and why you may want to consider putting up to 60% of your assets in investments or products that offer principal protection when you retire.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

Why Your Recent Average Return Could be Deceptive

Kedrec Wealth — Thu, 02 Jan 2025 06:00:00 -0600

“Hey Mike, what is a good rate of return projection for a retirement plan?” Discover why the past few years of growth may not be the right indicator on how much you should expect in your portfolio growth over the next 30 years.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

How to Tell if Your Pension Affects Your Social Security Benefits

Kedrec Wealth — Wed, 01 Jan 2025 06:00:00 -0600

“Hey Mike, do pensions affect when I file for Social Security?” Discover when your pension may cause you to delay your Social Security benefits until full-retirement age or later.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

The Danger With Flat-Fee Portfolio Reviews

Kedrec Wealth — Tue, 31 Dec 2024 06:00:00 -0600

“Hey Mike, do you or do you know someone who reviews portfolios for a flat fee?” Discover why it may not make sense to have a flat-fee advisor look over your portfolio for advice on your positions. Mike dives into the importance of strategies over positions.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

What Many People Miss When Considering an Equities (Stock) Portfolio

Kedrec Wealth — Mon, 30 Dec 2024 06:00:00 -0600

“Hey Mike, why do people put money in bonds and bond funds when equities do so well?” Discover the often missed risks associated with an equities (stocks) focused portfolio and why you may want to include other markets or assets classes when designing your portfolio for retirement.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

Why Charity Matters (With Tammy Reid and Other Guests)

Kedrec Wealth — Mon, 23 Dec 2024 06:00:00 -0600

Join Mike, David, and other special guests as they discuss the importance of being charitable in your everyday life. From acts of kindness to monetary help, it all counts. Guests include Tammy Reid, Amy Cox, and Cindy McDavitt. Remember, charitable gifting is more than just a tax deduction…

Charities highlighted in this episode:
https://givingmachineskc.org/
https://flourishfurniturebank.org/

Text us at 913-363-1234 for more information about any of the charities mentioned in the show, or to find out where the nearest giving machine is to you.

The Danger of Following Oversimplified Advice From Influencers

Kedrec Wealth — Fri, 20 Dec 2024 06:00:00 -0600

“Hey Mike, if the S&P averages 7%, then why would I not just put all my money in an ETF and take 6% each year?” Discover why retirement income planning is not simple and the risk you take when following oversimplified advice from social media influencers.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

Why You May Not Want to Rely on the Monte Carlo in Retirement

Kedrec Wealth — Thu, 19 Dec 2024 06:00:00 -0600

“Hey Mike, what’s the Monte Carlo probability of success with your Reservoir strategy?” Discover the problems within the Monte Carlo simulation that may lead you to taking more risk than you realize.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

IULs Are Not Perfect, but They May Have Their Place

Kedrec Wealth — Wed, 18 Dec 2024 06:00:00 -0600

“Hey Mike, I’m getting pitched an IUL as a tax-free cash vehicle over doing IRA to Roth conversions. The growth potential is less than an IUL. What am I missing?” Discover when it may make sense to stick to funding your Roth IRA and when it may make sense to fund an Indexed Universal Life Insurance Policy (IUL).

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

Should You File Your Own Taxes or Get Help?

Kedrec Wealth — Tue, 17 Dec 2024 06:00:00 -0600

“Hey Mike, when does it make sense to file your taxes on your own versus having a professional file your taxes for you?” Discover when it makes sense to use a DIY tax preparation software and when it makes sense to hire a tax professional to help you prepare your tax returns.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

When IRA to Roth Conversions Do Not Make Sense

Kedrec Wealth — Mon, 16 Dec 2024 06:00:00 -0600

“Hey Mike, when would someone not want to do IRA to Roth conversions?” Discover when you may not want to convert some of your IRA assets to Roth.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

What "Timing the Market" Really Means

Kedrec Wealth — Sat, 14 Dec 2024 06:00:00 -0600

“Hey Mike, can you explain what ‘timing the market’ really means, when it’s bad, and when it makes sense to make adjustments?” Discover what timing the market really means. Also, learn about how to make adjustments within your portfolio when the market gets shaky.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

Celebrating Our 100th Episode (Reflections and Giveaways)

Kedrec Wealth — Fri, 13 Dec 2024 06:00:00 -0600

It’s How to Retire on Time’s 100th episode. Thank you for joining us on this journey. Enjoy Mike and David reflecting on the past 99 episodes. Podcast listeners will also enjoy some generous giveaways. Offers only available until the end of 2024. Merry Christmas and Happy New Year!

Text us at 913-363-1234

Do the Wealthy Have Tax Advantages?

Kedrec Wealth — Thu, 12 Dec 2024 06:00:00 -0600

“Hey Mike, how do the wealthy get around paying taxes?” Discover many misconceptions about how the wealthy minimize taxes and what you can do to help minimize your taxes overall in retirement.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

Why Mike Believes Reverse Mortgages Don’t Make Sense

Kedrec Wealth — Wed, 11 Dec 2024 06:00:00 -0600

“Hey Mike, what do you think of reverse mortgages?” Discover why Mike believes reverse mortgages should not be in your retirement plan.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

Why You May Not Want to Turn Your Hobby Into a Business in Retirement

Kedrec Wealth — Tue, 10 Dec 2024 06:00:00 -0600

“Hey Mike, I was told that I should turn my hobby into a business so I can lower my overall taxes each year. Is this legit?” Discover when it makes sense to make your hobby into a business that would allow you to deduct certain expenses, and when you should not make your hobby into a business in retirement.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

Why You May or May Not Need $1.5 Million Saved for Retirement

Kedrec Wealth — Mon, 09 Dec 2024 06:00:00 -0600

“Hey Mike, is it true that you need $1.5 million saved to be able to retire?” Discover why arbitrary amounts of money saved as your goal may not be enough and where to look so you can determine if you have enough saved to be able to retire.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

Does Private Equity Make Sense in Your Retirement Portfolio?

Kedrec Wealth — Fri, 06 Dec 2024 06:00:00 -0600

“Hey Mike, what do you think of Private Equity as a source for retirement income?” Discover when it may make sense to include private equity or private credit (debt) in your portfolio and when it may not make sense.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

What Might be Missing From Your Portfolio

Kedrec Wealth — Thu, 05 Dec 2024 06:00:00 -0600

“Hey Mike, what’s something you see missing in many people’s plans when you first visit with them?” Discover risks you may not know exist when you plan your retirement with a stock/bond fund portfolio or with lifetime income from an annuity.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

How to Prepare to Retire on Time if You Are Currently 50 Years Old

Kedrec Wealth — Wed, 04 Dec 2024 06:00:00 -0600

“Hey Mike, if you were 50 years old and planned to retire at 65, what would you do?” Discover various strategies to consider as you prepare to retire on time (60 years old or so).

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

How to Prepare for the Market in 2025

Kedrec Wealth — Tue, 03 Dec 2024 06:00:00 -0600

“Hey Mike, what do you think the market will do in 2025?” Discover what could happen in 2025 and how to prepare for multiple outcomes.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

Does Private Equity Make Sense in Your Retirement Portfolio?

Kedrec Wealth — Mon, 02 Dec 2024 06:00:00 -0600

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

How Indexed Universal Life Insurance is Sold and What You Need to Know

Kedrec Wealth — Fri, 29 Nov 2024 06:00:00 -0600

“Hey Mike, I just heard that indexed universal life insurance is basically the perfect investment for a retiree. You say there’s no such thing as a perfect investment. What are the downsides of these IULs?” There’s no such thing as a perfect investment, product, or strategy. That includes Indexed Universal Life Insurance (IULs). Discover how they are sold, the benefits and detriments associated with this product, and how to determine if it is right for you or not.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

What Happens When A Widow or Widower Remarries in Retirement?

Kedrec Wealth — Thu, 28 Nov 2024 06:00:00 -0600

“Hey Mike, I’m a widow of many years and am in love again. I want to marry my new sweetheart, but I’m concerned about the finances and my kids ability to get their inheritance when I go. Any guidance?” Discover a few potential financial problems that could happen if you were to remarry too soon in retirement.

Strategies That May Help You Retire Before 59½

Kedrec Wealth — Wed, 27 Nov 2024 06:00:00 -0600

“Hey Mike, I’m 56 and just lost my job. Everything I have saved is in my 401k. I think I have enough to retire, but there’s a 10% penalty if I take money out of an IRA. Is there any way around this?” Discover ways you may be able to generate income in retirement from your 401(k) even though you are not yet 59 ½ years old.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

What to do if You Start Saving for Retirement Late

Kedrec Wealth — Tue, 26 Nov 2024 12:00:00 -0600

“Hey Mike, I’m 50 years old and haven’t been able to retire. Is there anything I can do to accelerate my retirement preparation?” Discover how to prepare for retirement if you are starting late with your retirement savings.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

What You Need to Know About Trump’s Tariff Strategy

Kedrec Wealth — Mon, 25 Nov 2024 06:00:00 -0600

“Hey Mike, how do you believe Trump’s tariffs will affect the economy?” Discover the benefits and detriments associated with using tariffs as a tax on foreign goods and how it may affect your portfolio.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

How to Talk to the Family About Your Estate Plan

Kedrec Wealth — Fri, 22 Nov 2024 06:00:00 -0600

"Hey Mike, I’m having a hard time bringing up my estate plan with my kids. I don’t want to create problems when I pass. Any tips?" Discover how to approach difficult estate planning topics with the kids so relationships are not destroyed when you pass.

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Discover Different Ways Annuity Income Could Work in Your Plan

Kedrec Wealth — Thu, 21 Nov 2024 06:00:00 -0600

Hey Mike, if someone wanted a part of their retirement income guaranteed, what should they know as they shop around? Discover the various ways you can take income from an annuity when you retire.

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How to Navigate Medicare When You Turn 65 and Plan to Continue to Work

Kedrec Wealth — Wed, 20 Nov 2024 06:00:00 -0600

"Hey Mike, what do I need to do if I turn 65 but still plan to work?" Discover what you need to know about Medicare when you turn 65 years old.

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What Happens to Your Social Security Benefit if You Move Abroad?

Kedrec Wealth — Tue, 19 Nov 2024 06:00:00 -0600

Hey Mike, if I move out of the country, will I still receive my Social Security benefits? Discover what could happen to your benefits if you were to move outside the country.

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Exploring Different Ways to Invest in the Market

Kedrec Wealth — Mon, 18 Nov 2024 06:00:00 -0600

Hey Mike, can you run through different ways you can invest in the market? Discover the benefits and detriments associated with different ways you could invest in the market.

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When it Doesn’t Make Sense to do IRA to Roth Conversions

Kedrec Wealth — Fri, 15 Nov 2024 06:00:00 -0600

“Hey Mike, friends keep telling me I need to do IRA to Roth conversions, but my current income is more than the income I want when I retire. Something’s not right. What do you think?” Discover when it makes sense to do IRA to Roth conversions and when it doesn’t make sense to do IRA to Roth conversions.

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The Potential Risk of Taking Social Security Too Soon or Too Late

Kedrec Wealth — Thu, 14 Nov 2024 06:00:00 -0600

“Hey Mike, people keep telling me to take Social Security as soon as I can, but the reports I run tell me to file at 70 years old. Which is it?” Discover why your income could be hurting if you take Social Security too soon and when you could be hurting your estate if you file too late. The answer may surprise you.

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How to Prepare for a Potential Flat Market

Kedrec Wealth — Wed, 13 Nov 2024 06:00:00 -0600

“Hey Mike, I heard that the market may not make much money over the next 10 years. Is that true?” Discover unconventional ways to try and grow your assets during a flat-market, which we define as 10 years of basically no growth in the stock market.

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How Old 401(k)s Can be New Investment Opportunities

Kedrec Wealth — Tue, 12 Nov 2024 06:00:00 -0600

“Hey Mike, I’ve got a couple of old 401(k)s that I have neglected over the years because I don’t know what to do with them. Any tips?” Discover all the potential investment options you have if you roll your old 401(k) into an IRA instead of your next 401(k).

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Common Risks Many Retirees Miss

Kedrec Wealth — Mon, 11 Nov 2024 06:00:00 -0600

“Hey Mike, what are some common risks you believe many retirees do not account for when they retire?” Discover common risks many retirees miss because they don’t know the right questions to ask.

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How Does Your Spending Change When You Retire?

Kedrec Wealth — Fri, 08 Nov 2024 06:00:00 -0600

“Hey Mike, how do you figure out how much you will spend in retirement?” Discover how to figure out how much you may end up spending when you retire.

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How to Vet the Quality of Your Current Fixed-Indexed Annuities

Kedrec Wealth — Thu, 07 Nov 2024 06:00:00 -0600

“Hey Mike, how do I know if I have a good annuity or a bad annuity?” Don’t fall for the growth of the income benefit. Discover why looking at the cash value growth may be more important and what to do if you find yourself with an uncompetitive annuity.

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The Basics on Structuring Your Business Before the Sale

Kedrec Wealth — Wed, 06 Nov 2024 06:00:00 -0600

“Hey Mike, I’m about to sell my business and have no idea how to convert the sale into a retirement plan. What should I do?” Discover a few tax strategies to consider before you put your business up for sale.

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When it Makes Sense to Pay Off Your Mortgage When You Retire

Kedrec Wealth — Tue, 05 Nov 2024 06:00:00 -0600

“Hey Mike, should I pay off my mortgage before I retire?” Discover when it makes sense to pay off your mortgage when you retire and when it doesn’t make sense. The answer may surprise you.

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The Election May Affect the Economy Less Than You Think

Kedrec Wealth — Mon, 04 Nov 2024 06:00:00 -0600

“Hey Mike, I’m concerned about the election. Do you have any thoughts?” Discover Mike’s opinion on why the election may affect the economy less than you think. Remember, all businesses will try to grow, regardless of the winner of the election.

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How to Change Your Senior Healthcare Plan During Open Enrollment

Kedrec Wealth — Fri, 01 Nov 2024 06:00:00 -0500

“Hey Mike, I have already signed up for a new Medicare plan but might want to change it. Can you do that and if so, how do you do that?” Discover the in’s and out’s of exploring and adjusting your Senior Healthcare plans during open-enrollment season.

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How to Prepare for the Potential Decrease in Social Security Benefits

Kedrec Wealth — Thu, 31 Oct 2024 06:00:00 -0500

“Hey Mike, what strategies can you implement to help prepare for a possible drop in Social Security benefits?” Discover what you can do now in preparation for the potential decrease in Social Security benefits.

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The Difference Between Social Security, Pensions, and Annuities

Kedrec Wealth — Wed, 30 Oct 2024 06:00:00 -0500

“Hey Mike, can you break down the differences between Social Security, a pension, and an annuity?” Listen to an honest comparison of Social Security, pensions, and annuities, when it makes sense, and how they can affect your tax planning.

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When Healthcare Can Become a Tax Problem

Kedrec Wealth — Tue, 29 Oct 2024 06:00:00 -0500

“Hey Mike, can you explain how picking a Medicare plan can affect my taxes? I don’t believe that’s a true statement.” Discover some commonly missed pitfalls in retirement when it comes to healthcare and taxes.

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Why No One Can Claim to Have a Riskless Retirement

Kedrec Wealth — Mon, 28 Oct 2024 06:00:00 -0500

“Hey Mike, how do you plan so you don’t run out of money?” Discover the reality of retirement planning and how you can’t not take risks. This episode covers various ways to approach your retirement in an effort to decrease risk while maintaining lifestyle flexibility for the future.

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What You Should Expect When You First Start Talking With a Financial Professional

Kedrec Wealth — Fri, 25 Oct 2024 06:00:00 -0500

“Hey Mike, I’ve never worked with a financial professional before. What should I expect?” Discover potential red flags you can identify in the first appointment and what a first appointment should look like.

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Four Things to Consider if You Are in Your 40s and Saving for Retirement

Kedrec Wealth — Thu, 24 Oct 2024 06:00:00 -0500

“Hey Mike, I’m in my 40s and trying to prepare for retirement. What tips would you give someone in my position?” Discover what can do to help you have more investment options and potentially be more strategic in the growth of your assets as you prepare to retire on time.

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Investments and Products to Consider as Interest Rates Go Down

Kedrec Wealth — Wed, 23 Oct 2024 06:00:00 -0500

“Hey Mike, with interest rates going down and savings, CDs, and bonds going down with it, where should I go for protection with better growth potential?” Discover various investments and products that offer principal protection and growth potential, and their associated benefits and detriments.

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How a Trigger Rate Works Within Fixed-Indexed Annuities

Kedrec Wealth — Tue, 22 Oct 2024 06:00:00 -0500

“Hey Mike, I was pitched an annuity with something called a trigger rate. What is that, and is it worth it?” Discover the nuance found within fixed-indexed annuities and their cash value growth potential. Remember, there’s no such thing as a perfect investment, product, or strategy.

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What You Need to Know About Open Enrollment

Kedrec Wealth — Mon, 21 Oct 2024 06:00:00 -0500

“Hey Mike, it’s Open Enrollment season for senior benefits. What should we know before we review our options?” Discover conflicts of interests, potential tax problems and more when it comes to your senior healthcare plans and open enrollment season this year.

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Tips on How to Structure the Sale of Your Business

Kedrec Wealth — Fri, 18 Oct 2024 06:00:00 -0500

“Hey Mike, how do you go through the process of selling a business?” Discover the steps you may want to take before you put your business up for sale so you can potentially get more money out of the sale.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

Ways to Take Your 401k and Transform it Into a Retirement Plan

Kedrec Wealth — Thu, 17 Oct 2024 06:00:00 -0500

“Hey Mike, I’m having a hard time understanding how income works in retirement. I don’t have a pension. Can you explain how people generate income in retirement and why they pick certain strategies?” Discover the benefits and detriments of various income strategies that you can implement from your 401k when you retire.

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Why Many People Become Depressed in Retirement

Kedrec Wealth — Wed, 16 Oct 2024 06:00:00 -0500

“Hey Mike, I’m retired and going crazy. What should I do?” Discover how to design your retirement lifestyle to help you feel happy and fulfilled.

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How to Navigate Picking the Right Senior Healthcare Plan

Kedrec Wealth — Tue, 15 Oct 2024 06:00:00 -0500

“Hey Mike, I’m 65 and looking at my healthcare options. What do you recommend?” Discover the difference between traditional senior healthcare, supplement plans, and advantage plans and how they also can play a role in your tax planning.

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Why Year-End Tax Planning Should Be More Than IRA to Roth Conversions

Kedrec Wealth — Mon, 14 Oct 2024 06:00:00 -0500

“Hey Mike, how do you do year-end tax planning? Discover why there’s more to do at the end of the year than figure out how much you want to convert from IRA assets to Roth assets. Year-end tax planning may also include gifting planning, healthcare planning, and income planning for the next year.

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The Basics of the Bucket Strategy in Retirement

Kedrec Wealth — Fri, 11 Oct 2024 06:00:00 -0500

“Hey Mike, what do you think about the bucket strategy?” Discover how the bucket strategy works when it comes to your retirement income so you can determine if it is right for you or not.

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The Problem with AUM Fees When You Buy and Hold

Kedrec Wealth — Thu, 10 Oct 2024 06:00:00 -0500

“Hey Mike, I’m having a hard time understanding fees. I am paying my current advisor 1%. All of the mutual funds he has recommended have fees as well. Is this normal?” Get Mike’s not-so-common opinion on advisory fees.

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A High-Level Overview of Various Investments and Products

Kedrec Wealth — Wed, 09 Oct 2024 06:00:00 -0500

“Hey Mike, can you give a generic rundown of different investments and when they should be used?” Enjoy a high-level discussion of various investments and products, their benefits and detriments, and when you may include them in your portfolio.

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Various Ways to Take Your 401K and Turn it Into A Retirement Income Plan

Kedrec Wealth — Tue, 08 Oct 2024 06:00:00 -0500

“Hey Mike, I’m struggling with understanding how to generate income from my 401(k). Can you break down your steps and strategies?” Discover some of the basic ways you can turn your 401(k) into a retirement income strategy. Hint: there are more ways to generate income in retirement than lifetime income streams from annuities.

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Ways to Invest in Real Estate (Based on Age and Experience)

Kedrec Wealth — Mon, 07 Oct 2024 06:00:00 -0500

“Hey Mike, what is the best way to invest in real estate for retirement income?” Discover various ways to add real estate to your portfolio and why your age and real estate experience may play a factor in your decision.

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Why Suitability Questionnaires May Not Be Enough

Kedrec Wealth — Fri, 04 Oct 2024 06:00:00 -0500

“Hey Mike, I feel like I am taking too much risk but keep getting reassured that I am fine. Can you expand on how to self-assess the appropriate amount of risk a person should take?” Discover why taking a suitability intake questionnaire may not be enough and what you can do to help find the right risk balance in your portfolio.

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Understanding the Good, the Bad, and the Ugly of Indexed Universal Life Insurance in Retirement

Kedrec Wealth — Thu, 03 Oct 2024 06:00:00 -0500

“Hey Mike, I’ve been reading about indexed-universal life insurance and how it can be a tax-efficient income stream in retirement. I can’t find the downside. What am I missing?” Discover the benefits and detriments of indexed universal life insurance when it comes to your retirement plan.

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How Often Should You Rebalance Your Portfolio

Kedrec Wealth — Wed, 02 Oct 2024 06:00:00 -0500

“Hey Mike, how often should a person review and rebalance their portfolio?” Join Mike and David as they discuss when it may make sense to rebalance and when it may make sense to leave your portfolio alone.

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Breaking Down Retirement Savings Plans for Self-Employed Individuals

Kedrec Wealth — Tue, 01 Oct 2024 06:00:00 -0500

“Hey Mike, how should self-employed people save for retirement? For example, should we fund SEP-IRAs? SIMPLE IRAs? It’s a bit confusing, at least for me.“ Discover different ways you can save for retirement if you are a small business owner.

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Addressing a Potential Conflict of Interest in Annuity Sales

Kedrec Wealth — Mon, 30 Sep 2024 06:00:00 -0500

“Hey Mike, how can you recommend annuities and call yourself a fiduciary? They are full of fees and make insurance companies rich while you get little, if any, back.” Discover the reality of annuities sales and what is going on behind the scenes.

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1031 Exchange Options for Those Trying to Sell Their Investment Real Estate

Kedrec Wealth — Fri, 27 Sep 2024 06:00:00 -0500

“Hey Mike, can you define what ‘like-kind’ means when it comes to 1031 exchanges?“ Discover various investment options for those who are trying to get out of their investment real estate but don’t want to pay an arm and a leg in taxes.

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The Difference Between Basic Tax Planning and Comprehensive Tax Planning

Kedrec Wealth — Thu, 26 Sep 2024 06:00:00 -0500

“Hey Mike, everyone says they do tax planning, but very few people talk about anything beyond IRA to Roth conversions. Is that really all tax planning is?” Discover what you should expect when it comes to tax planning in retirement.

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What to do With Your Annuity When it Struggles to Grow

Kedrec Wealth — Wed, 25 Sep 2024 06:00:00 -0500

“Hey Mike, I’ve had an annuity for a few years, and it hasn’t grown much. What are my options and can I get out of it without paying taxes or a surrender penalty?” Discover why some annuities can’t grow their cash value and what you can do about it.

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Why a Pension Might Not Be Enough for Retirement (and What to Do About It)

Kedrec Wealth — Tue, 24 Sep 2024 06:00:00 -0500

“Hey Mike, how do you plan for retirement if you have a lifetime pension?” Discover risks around the pension and what you could do about it to help prepare for your lifestyle needs in the future.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

Why the National Debt Should Concern Those on a Fixed Income

Kedrec Wealth — Mon, 23 Sep 2024 06:00:00 -0500

“Hey Mike, are you concerned about the national debt? Also, how will the debt affect the markets?” Discover why that national debt should concern those who are buying annuities for guaranteed income for life.

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Why the Rule of 100 May Not Make Sense in Retirement

Kedrec Wealth — Fri, 20 Sep 2024 06:00:00 -0500

“Hey Mike, I am 60 years old and am being told that I should have 60% of my money in bond funds. When I ask why, I don’t feel like I get a straight answer. Do you agree with this proposal?“ Discover why it may not make sense to continue to grow your bond fund exposure as you get older.

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Why an Advisor May be Your Spouse’s Back-Up Plan

Kedrec Wealth — Thu, 19 Sep 2024 06:00:00 -0500

“Hey Mike, I have always managed my assets on my own. At some point, I know I won’t have the energy or interest to continue to manage my assets. How does someone vet an advisor and then slowly turn things over to that advisor?” Discover how to create a potential backup plan for your spouse when you pass or struggle to maintain your portfolio management.

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What to Expect in a Decreasing Interest Rate Environment

Kedrec Wealth — Wed, 18 Sep 2024 06:00:00 -0500

“Hey Mike, how do you expect the Fed decreasing rates will affect the markets and economy?” Discover how the market and your investments could be affected by decreasing interest rates.

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Ways to Potentially Lower Your Risk Without Losing too Much Liquidity

Kedrec Wealth — Tue, 17 Sep 2024 06:00:00 -0500

“Hey Mike, I know I am taking too much risk, but I can’t seem to get myself to be OK with anything that is illiquid. Are there other ways I can fund a reservoir without losing my liquidity?” Discover different ways you can potentially lower your market risk when losing liquidity is an issue.

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10 Ways You Can Generate Income in Retirement

Kedrec Wealth — Mon, 16 Sep 2024 06:00:00 -0500

“Hey Mike, I am trying to figure out how to generate income in retirement, but everyone I talk to who says they specialize in income planning sells annuities. What other ways are there to plan income in retirement?” Discover 10 ways you can generate income in retirement and how you can potentially blend them for income diversification.

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What Every Spouse Needs to Know Before Their Spouses Passes

Kedrec Wealth — Fri, 13 Sep 2024 06:00:00 -0500

“Hey Mike, my husband has become very ill and is not expected to live much longer. He has lived a wonderful life and will be missed. Among the many things I am concerned about as a soon-to-be-widow, I am most concerned about how to handle the finances when he passes. Any general advice?” Discover what you should expect when your spouse passes away in retirement.

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Decoding What’s Really Happening at Many Retirement Dinner Events

Kedrec Wealth — Thu, 12 Sep 2024 06:00:00 -0500

Have you ever received an invitation to a dinner event that will discuss retirement preparation? Have you ever wondered what is really going on? Listen in as Mike exposes why many financial professionals do these events, what’s in it for them, and what’s really behind many of the common talking points.

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Why Long-Term Care Insurance is Problematic

Kedrec Wealth — Wed, 11 Sep 2024 06:00:00 -0500

“Hey Mike, what do you think of long-term care insurance?” Discover why Mike says “If you need it, you probably can’t afford it and if you can afford it, you probably don’t need it.” Learn about alternative ways you can prepare for your future healthcare.

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How to Strategically Liquidate Your Delaware Statutory Trust Positions

Kedrec Wealth — Tue, 10 Sep 2024 06:00:00 -0500

“Hey Mike, if I were to get into one of these DSTs, how would I get out?” Discover the various ways you can get into a DST and your various strategies on transitioning your assets, tax efficiently, to other investments or products.

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Why Qualified and Non-Qualified Accounts Should Have Different Growth Strategies

Kedrec Wealth — Mon, 09 Sep 2024 06:00:00 -0500

Hey Mike, why do you recommend active management for IRAs and Roths and passive management for TOD accounts? Discover why you may want to manage your qualified accounts differently than your non-qualified accounts when it comes to growth strategies.

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How to Determine How Much of Your Portfolio Should Be Protected

Kedrec Wealth — Sun, 08 Sep 2024 06:00:00 -0500

“Hey Mike, I just read your Kiplinger Article titled Five Ways to Lower Your Risk in Retirement that was published this morning. I want growth and protection, but I’m concerned about not having enough liquidity. How do you find the right balance?” Discover why it’s hard to design a portfolio and determine how much protection you should have without putting together a plan first.

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Why It Takes More Than a Dollar Amount to Know When You Can Afford to Retire

Kedrec Wealth — Sat, 07 Sep 2024 07:00:00 -0500

“Hey Mike, how much do you need to comfortably retire?” Discover the nuance of trying to figure out if you can afford to retire. Hint, it’s more than a dollar amount in your accounts.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

Tax Minimization for Those Who Have Pensions

Kedrec Wealth — Sat, 07 Sep 2024 06:00:00 -0500

“Hey Mike, how do you do tax planning with a pension?” Discover an unusual tax minimization strategy for those who have pensions.

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How the Election Could Affect the Markets

Kedrec Wealth — Fri, 06 Sep 2024 06:00:00 -0500

“Hey Mike, how do you think the election is going to affect the market going forward?” Discover why adjusting your portfolio around election predictions may not be a good idea.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

Why Financial Professionals Tend to Offer Conflicting Advice

Kedrec Wealth — Thu, 05 Sep 2024 06:43:04 -0500

“Hey Mike, I’m working with two financial advisors right now. They always seem to contradict each other. Is that normal?” Discover how to navigate the confusing opinions of financial professionals so you can proceed with a plan that is right for you.

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Request Your Wealth Analysis by going to www.yourwealthanalysis.com.

What to do if You are Concerned the Market Will Crash Soon

Kedrec Wealth — Fri, 30 Aug 2024 06:00:00 -0500

“Hey Mike, I’m concerned the market will crash soon. What do you recommend people do before a market crash?” The answer may surprise you. Discover unconventional ways to prepare for a potential market crash.

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Why Social Security Optimization is More Than Looking at Your Longevity

Kedrec Wealth — Thu, 29 Aug 2024 06:00:00 -0500

“Hey Mike, I read your Kiplinger article about Social Security optimization, but am unclear when I should file. I plan to retire at 62 and intend to file for Social Security when I retire. Should I change when I file?” Mike has a saying: "If you file too early, your income could be hurting; if you file too late, you could be hurting your estate." Listen to discover how taxes, income, etc., are all connected and can influence when you file.

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How to Prepare for Required Minimum Distributions When You Don’t Need the Distributions

Kedrec Wealth — Wed, 28 Aug 2024 06:00:00 -0500

“Hey Mike, I’m 67 years old and am concerned about required minimum distributions. I don’t want to be forced into paying too much in taxes. Most of my assets are in my Traditional IRA, but I don’t need them; I live off my pension and Social Security. What should I do?”

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The Landlord's Exit Strategy

Kedrec Wealth — Tue, 27 Aug 2024 06:00:00 -0500

“Hey Mike, you’ve spoken about DSTs, but only at a high level. Can you give a more detailed answer, sharing exactly what they are, how they work, and the process it takes to sell a property, defer the taxes, and move the funds into a DST?” For anyone who has rental income property and wants to be free of the burden of tenants, toilets, and trash but wants to examine the ways to do it tax efficiently.

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Potential Pitfalls For Those Who Want to Retire Before 59 ½ Years Old

Kedrec Wealth — Mon, 26 Aug 2024 13:40:09 -0500

“Hey Mike, I am 45 years old and recently decided that I’m done with work and want to retire at 50. Most of my assets are in my 401k, though. What can I do?” Listen to understand the pros and cons of retiring at an earlier age and what it might take to accomplish you goals.

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Why I Believe Variable Annuities Rarely Make Sense

Kedrec Wealth — Sun, 25 Aug 2024 06:00:00 -0500

"This is a touchy one." In today's episode, Mike describes why he almost never recommends variable annuities but is willing to articulate when one could make sense. Variable annuities are one of the more complicated insurance products out there, so listen for more clarity on what annuities are, when they make sense, and which type could be right for you. For the record, Mike is licensed to sell variable annuities but has never actually sold one because he has never experienced a situation where it made sense. This episode is intended to address the question presented.

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How to Prepare For Retirement and a Recession

Kedrec Wealth — Sat, 24 Aug 2024 06:00:00 -0500

In today's episode, Mike shares what it means to "create a retirement plan designed to last longer than you." This is not done through buying an annuity and turning on a guaranteed-for-life income. Discover various ways to structure your portfolio as you prepare for, enter, or maintain your retirement. The key phrase is "Plan Efficient Growth Portfolios."

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Why Term Life Insurance May Not Make Sense In Retirement

Kedrec Wealth — Fri, 23 Aug 2024 06:00:00 -0500

In today's episode, Mike discusses term life insurance, when it makes sense for the beginning of your retirement, and when it does not make sense for any part of your retirement. Explore other alternatives to term life insurance. Remember, life insurance is NOT an investment and should not be treated as such.

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How Interest Rates Could Affect Those Near Retirement

Kedrec Wealth — Thu, 22 Aug 2024 06:00:00 -0500

In today's episode, Mike discusses the various ways in which interest rates going down could affect the market. He also breaks down how interest rates affect younger and older investors differently. Discover how to take advantage of higher interest rates as you create a retirement plan that's designed to last longer than you™.

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Why Value Funds May Not Offer As Much Value As You Think

Kedrec Wealth — Wed, 21 Aug 2024 06:00:00 -0500

"Money goes where money can grow" In today's episode, Mike talks value funds. What are they? Do they still provide a lot of value? Listen to Mike identify what made value funds great decades ago, and how their offer in today's market has evolved since then.

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When Does it Make Sense to Manage Your Investments on Your Own?

Kedrec Wealth — Tue, 20 Aug 2024 06:00:00 -0500

"If you don't know the right questions to ask, you'll never ask them." In today's episode, Mike discusses the Dunning-Kruger effect, false confidence, and potentially missing out on opportunities because someone lacked sufficient experience. Discover when it may make sense to DIY your retirement and when you may consider asking for help.

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How to Plan Tax-Efficient Distributions From an Inherited IRA

Kedrec Wealth — Mon, 19 Aug 2024 06:00:00 -0500

In today's episode, Mike discusses strategies you can employ if you have an inherited or beneficiary IRA. Discover various strategies, some of which you probably didn't know existed, that may be able to help you minimize your overall tax burden while still focusing on your overall growth.

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What to Do If You Are Scared You’ll Run Out of Money in Retirement

Kedrec Wealth — Sun, 18 Aug 2024 06:00:00 -0500

In today's episode, Mike addresses the fear of running out of money in retirement. The answer is not always buying a bunch of annuities for lifetime income. Discover counterintuitive portfolio management systems that can help you lower your risk without locking up assets for life.

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How Fixed-Indexed Annuities Work as a Bond Alternative

Kedrec Wealth — Sat, 17 Aug 2024 06:00:00 -0500

In today's episode, Mike explains why he believes fixed-indexed annuities have more growth potential than CDs or Treasuries in the long term. Mike explains how they work from a cash accumulation standpoint while offering a few tips on how to vet them. Not all fixed-indexed annuities are the same. If you decide to explore this possible part of your portfolio, make sure you proceed with caution.

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How to Plan for Healthcare Before Medicare

Kedrec Wealth — Fri, 16 Aug 2024 06:00:00 -0500

In today's episode, Mike talks to people who are wanting to retire around 60 years of age, but have concerns with how to cover healthcare while waiting for Medicare. How does Mike suggest you bridge that gap? What are the tax implications? What about healthcare insurance premiums from age 60 to 65? Should you delay retirement or get a part-time job for the healthcare benefits? All of this and more is discussed in this common, potentially tricky situation.

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Why DIY Investors Still Need a Relationship With a Licensed Financial Professional

Kedrec Wealth — Wed, 14 Aug 2024 09:15:03 -0500

In today's episode, Mike explains why managing a portfolio without a relationship with a licensed financial professional may be more limiting than you realize. Discover when it may make sense to be 100% DIY and when you may need to work with an advisor.

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How to Turn Your 401(k) Into a Retirement Plan

Kedrec Wealth — Fri, 09 Aug 2024 11:18:02 -0500

In today's episode, Mike tells us how to create a retirement plan out of a 401(k). Is accumulating assets in your 401(k) during your working years a set-and-forget guarantee for retirement bliss? What happens when you retire and need to draw income from your retirement account? Discover ways to take your 401(k) and turn it into a tax-efficient retirement plan. If you are within 10 years of retirement and you have a 401(k), this episode is for you.

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How to Prepare For Retirement With a 401(k)

Kedrec Wealth — Wed, 07 Aug 2024 06:00:00 -0500

In today's episode, Mike talks about employer-sponsored 401(k) retirement plans. How can you be proactive with a 401(k)? Should you keep all of your retirement savings in the 401(k) or roll it over to an IRA? Should you fund the pre-tax part or the after-tax part of your 401(k)? There are more strategies than you may realize. Discover what may be missing when it comes to your 401(k) and your retirement.

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Can I Manage my Portfolio as Well as a Fund Manager?

Kedrec Wealth — Wed, 07 Aug 2024 06:00:00 -0500

In today's episode, Mike discusses all the intricacies associated with managing a portfolio while trying to beat the market. Discover why the statistic that claims no one can beat the market may not be as certain as many would suggest. Answer questions like, "Can I ride a stock/bond fund portfolio all the way into retirement bliss?"

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How to Invest in Real Estate

Kedrec Wealth — Tue, 06 Aug 2024 08:56:56 -0500

In today's episode, Mike discusses the various ways you can invest in real estate, from traditional rental real estate to Real Estate Investment Trusts, Delaware Statutory Trusts, and more. Find answers to these questions and more in this episode.

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Is it Ever Okay to Surrender an Annuity Early?

Kedrec Wealth — Fri, 26 Jul 2024 15:19:27 -0500

"You can't change horses midstream", or so goes the old saying. In today's episode, Mike discusses when or if it makes sense to change, or surrender an annuity, and pay the penalty or fees. What situations are beneficial to include an annuity as part of your retirement plan? If you have one, and the rates drop, should I get out of it? Does paying the surrender penalty make sense to find a better one? What are the annuity bonuses all about? All of these questions are answered and more, in this episode of How to Retire on Time.

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Estate Planning 101

Kedrec Wealth — Fri, 26 Jul 2024 14:47:36 -0500

In today's episode, Mike gives tips and general advice for those planning their estate. There are many things to consider when planning your estate, from tax planning, IRS codes, legacy plans, gifting and legal issues. This is why it is very important to have a team helping you plan your estate: a tax professional, a financial professional, and an attorney when making these decisions.

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What to Consider When Filing for Social Security Benefits

Kedrec Wealth — Fri, 26 Jul 2024 14:19:08 -0500

In today's episode, Mike talks Social Security optimization. "If you file to early, your income could be hurting; if you file too late, you could be hurting your estate." Listen to find out the benefits and detriments of filing early, versus waiting until 70 to file. It may make sense for you to file early or late, depending on your lifestyle and legacy plans.

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Do People Really Need Financial Advisors?

Kedrec Wealth — Fri, 26 Jul 2024 13:29:59 -0500

In today's episode, Mike lays out the case for the DIY investor, and also the benefits of working with a licensed financial professional. What kind of research can you do on your own? What does a licensed financial professional know, and have access to that you don't? Do you have a plan that's answering the questions that you may not know to ask?

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Retirement Income Strategies-Balancing Protection With Growth

Kedrec Wealth — Fri, 26 Jul 2024 13:10:55 -0500

On today's show, Mike breaks down some common retirement income strategies, and discusses the benefits and detriments of each. Some of the strategies mentioned in this episode include: cash value life insurance, universal life policies, CD's, Treasuries, Fixed Annuities, and Fixed Index annuities. Are you worried that your CD won't keep up with inflation if the Fed lowers rates? Listen to hear what Mike has to say about these income options, as retirees (or folks near retirement) try to balance principal protection with growth.

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