Build a Personalized Retirement Plan Using the Same Frameworks and Tools Financial Professionals Use
A step-by-step planning kit with tools, calculators, and guided exercises to help you better understand your retirement options... without pressure or product recommendations.
Model different retirement scenarios based on your inputs and assumptions
Explore how taxes, Social Security timing, and withdrawals may impact outcomes
Organize your financial picture into a structured, easy-to-follow plan
Instant Digital Access · Free U.S. Shipping · 30-Day Money-Back Guarantee
What the Retire on Time Planning Kit Is
This is not a one-size-fits-all plan.
And it’s not a recommendation service.
It’s a self-guided planning system designed to help you build and organize your own retirement strategy using structured tools and frameworks.
Inside, you’ll work through the same types of considerations that go into a comprehensive retirement plan... at your own pace, using your own inputs.
The goal is simple: To help you move from scattered information and assumptions to a more organized, clearly defined plan
Everything Included in the Retire on Time Planning Kit
The How to Retire on Time Book
Your starting point.
A clear breakdown of how retirement planning actually works, covering income, taxes, investments, and the key decisions that shape your timeline.
Value: $19
The How to Retire on Time Audiobook
Learn the core concepts in audio format so you can absorb the material on your schedule.
Value: $19
The Retire on Time Workbook
A step-by-step companion to the book that helps you apply what you’re learning to your own situation.
Value: $49
The Retire on Time Checklist
A structured checklist to keep you on track and make sure no key steps or decisions are missed.
Value: $12
The Retire on Time AI Prompt List
Pre-built prompts designed to help you think through planning decisions, scenarios, and questions as you build your plan.
Value: $17
Retirement Scenario Planner
Model different scenarios using your own inputs to explore how timelines, spending, and assumptions may impact outcomes.
Value: $97
The Social Security Optimizer
Compare different claiming strategies to better understand how timing decisions may affect your income.
Value: $47
The Tax Return Simulator
Explore how withdrawals and income strategies may influence your tax situation over time.
Value: $97
The Bucket (Ladder) Planner
Organize your assets across different time horizons to better understand how your money may be used throughout retirement.
Value: $47
The Real Estate Exit Planner
Evaluate different approaches to transitioning or exiting real estate holdings as part of your overall retirement plan.
Value: $97
The Estate Planning Software
Gain access to Wealth.com, a structured system to help you organize key estate details, documents, and considerations in one place.
Value: $599
Weekly Live Q&A with the Author
Get your questions answered and gain additional clarity as you work through your plan.
Value: $197
Everything Above, Together:
The How to Retire on Time Book - $19
The Retire on Time Workbook - $49
The Retire on Time Checklist - $12
The Retire on Time AI Prompt List - $17
The Retirement Planning Calculator - $97
The Social Security Optimizer - $47
The Tax Return Simulator - $97
The Bucket (Ladder) Planner - $47
The Investment Real Estate Exit Planner - $97
The Estate Planning Software - $599
The How to Retire on Time Audiobook - $19
Weekly Live Q&A with the Author - $197
Total Value: $1,297
Today: Just $97
Instant Digital Access · Free U.S. Shipping · 30-Day Money-Back Guarantee
Here's What Makes The Retire on Time Planning Kit Different
Most retirement "plans" start with a product. An annuity. A fund. A portfolio allocation someone wants to sell you. We don't believe in that approach… And we don't believe in the premise behind it.
We believe you should put your plan together first (your projections), then explore strategies second to help you get more out of your money, and then determine which investments or products are right for you.
There is no such thing as a perfect investment, product, or strategy. Nothing does everything well. Every investment or product you pick has benefits and detriments associated with it. That's why it's so important to pick your investments and products last. Your portfolio must be aligned with and support your plan and strategies, not the other way around.
That's why the Retire on Time Planning Kit is built on three principles many advisor offices will never tell you out loud:
1. You deserve neutrality, not a sales pitch.
Instead of steering you toward one product, the Kit walks you through your options side-by-side, including the benefits and the detriments of each investment, product, and strategy, so you can make an informed decision about what actually fits your life.
No pressure. No push. No "trust me on this one." Just the information you need before you can make an informed decision based on what is right for you.
2. Tax planning matters and applies to everyone, not just the 'rich.'
Taxes are likely your biggest expense in retirement and an important part of every retirement plan. The problem is too many advisors claim "I can't give tax advice" as they recommend strategies that are tax inefficient.
The Kit includes an entire section dedicated to helping you read your own tax return, spot potential inefficiencies many smart people miss, and coordinate your income and tax strategy with the intention of keeping more of what you've spent a lifetime working for.
3. The key to making your money last is having two portfolios.
Most people have a portfolio built for up markets, not down markets. No one can time the market, which is why we believe it is so important to have two portfolios; one for when markets are up, and a back up for when markets are down.
Just like a city has a reservoir of water in case of a drought, we believe that a retiree should have reserves (investments or products that can't lose money) incase of a market crash.
Why does this matter so much? In retirement, when you take income from an account that is down, you accentuate the losses making it more difficult to recover. You lock in the damage that hurts your ability to stay retired. The book (and kit) show you several ways to solve this issue.
Is the Retire on Time Planning Kit Right for You?
Before you click that button, it's worth making sure this is actually a fit. We'd rather you pass than buy something that isn't right for where you are.
This Kit is for you if...
You're 5 to 10 years from retirement, or already retired, and you want a clear plan instead of a vague hope.
You've sat through advisor meetings and walked out more confused than when you went in.
You want to understand why a retirement strategy works, not just be told to trust it.
You're tired of being sold products and would rather evaluate your options neutrally, with the benefits and the detriments laid out side by side.
You want to coordinate your income plan, your tax plan, your Social Security, and your home equity as one strategy, not four disconnected decisions.
You'd rather explore your options in peace at your kitchen table rather than sit through another sales pitch in an advisor's office.
This Kit is not for you if...
You're looking for a magic formula, a hot stock tip, or a "get rich" shortcut.
You want someone else to make every decision for you without understanding why.
You're not willing to spend a few hours actually working through the exercises (the Kit only works if you do).
If the first list sounds like you, keep reading. If the second list sounds like you, this Kit honestly isn't the right fit… And we'd rather tell you that now than have you buy something that sits on your shelf.
Your 30-Day "Build the Plan First" Guarantee
Here's how confident we are that this Kit will change the way you think about retirement:
Work through the Kit for 30 full days. Complete the workbook. Use the calculators. Review the tax exercises. If you don't feel more informed, more in control, and more clear about your retirement than you did before email us, and we'll refund every penny. No forms. No phone calls. No questions asked.
You either walk away with a plan you built, understand, and own or you walk away with your money back. The only thing you can't walk away from is another year of uncertainty.
Instant Digital Access · Free U.S. Shipping · 30-Day Money-Back Guarantee
About Michael Decker, NSSA®
Michael Decker is the founder of Kedrec Wealth, a Kansas-based Registered Investment Advisor firm, and the author of How to Retire on Time, an Amazon #1 Best Seller that teaches how to build a plan designed to last longer than you®.
But the truth is, the Planning Kit and the book came from years of industry frustration. Early in his career, Michael kept asking questions that others didn’t want to answer or admit to (1% fees, portfolio management strategies, taxes, etc). The answers were almost always the same: "This is the way things are." "This is how it's done." "Don't overthink it."
The more Michael questioned the industry, the more he realized the industry was a bunch of people selling a product while holding a license. "Planning" was really the path that led to selling their product.
He wrote How to Retire on Time as an argument against oversimplified strategies and clichés that may not be as financially prudent as some would suggest. The Planning Kit is the working version of that argument, built to help individuals and couples see how things actually work, not how a salesperson wants them to.
The kit follows the same framework Michael walks his clients through, available for you to complete at your kitchen table, at your own pace.
Frequently Asked Questions
I'm already retired. Is this kit still for me?
Yes. The framework applies whether you're approaching retirement or already in it. If you're retired, the workbook will help you stress-test the plan you have, the calculators will help you see whether your withdrawal strategy is sustainable, and the tax simulator will help you spot opportunities most retirees miss for years. The Kit assumes you're either getting ready or already living it… Both work.
I'm 10+ years from retirement. Is this too early?
No. The earlier you understand the framework, the more decisions you get to make on purpose rather than by default. Roth conversions, asset location, reserve building; these all compound over time. Starting a decade out gives you more levers to pull.
How do I access the kit after I buy?
Immediately. You'll get instant digital access to everything in the Kit (the book, the workbook, all of the calculators, the audiobook, the AI prompt library, and your Wealth.com estate planning account) the moment you check out. Your physical Kit (book, workbook, checklist) ships to your door within a few business days.
Is this going to try to sell me something else?
The Kit is designed to stand on its own, and many readers go through it and run their plans successfully on their own. There's no mandatory upsell sequence and no high-pressure follow-up. If you decide after going through the Kit that you'd like to talk to our team, that option is available, but it's genuinely optional. The Kit is structured to be fully useful whether you ever pursue it or not.
What's included in the $97?
Everything. Instant digital access to all twelve tools, your physical Kit shipped to your door, the audiobook, your Wealth.com estate planning access, and ongoing access to the Tuesday Live Q&A. One payment, no subscription, no upsells required.
Do I need to be good with spreadsheets or technology to use the calculators?
No. The calculators are built to be usable by anyone comfortable with basic financial concepts.
Is this investment advice?
No. The Kit is educational. It's a set of tools, frameworks, and working materials, not personalized advice for your specific situation. Personalized advice requires an advisory engagement with written terms.
What if I don't think the kit is worth it?
If you go through the Kit within 30 days and decide it isn't what you hoped, email us, and we'll refund the full $97. Keep the materials. No forms, no calls, no questions.
Still have a question we didn't answer? Email [email protected] and we'll get back to you within one business day, before or after you purchase.
Ready to Get Started?
Everything in the Planning Kit, available the moment you check out. Physical Kit ships within 2 business days.
Instant Digital Access · Free U.S. Shipping · 30-Day Money-Back Guarantee
You're One Step Away from Your Retire on Time Planning Kit
Complete your order below. You'll get instant digital access the moment you check out. Your physical Kit will ship within 2 business days.
Here's What's Included with Your Kit:
The How to Retire on Time Book
The Retire on Time Workbook
The Retire on Time Checklist
The Retire on Time AI Prompt List
The Retirement Planning Calculator
The Social Security Optimizer
The Tax Return Simulator
The Bucket (Ladder) Planner
The Real Estate Exit Planner
The Estate Planning Software
The Audiobook
Weekly Live Q&A with the Author
Total Value: $1,297
Your Price Today: $97
Your Order
🔒 Your payment is processed securely. We never see or store your card information.
By completing your order, you'll immediately receive:
✓ Instant access to your digital Kit at retireontime.com/login
✓ Login instructions (use your email and last name — no password needed)
✓ Confirmation email with your order and shipping details
✓ Information inside the Kit on how to activate your Wealth.com estate planning account
Your physical Kit (printed book, workbook, and checklist) will ship within 2 business days.
Questions before you order? Email [email protected]. We usually reply within a few hours.
By clicking "Complete My Order," you agree to our Terms and Conditions and Privacy Policy. The Retire on Time Planning Kit is educational in nature and does not constitute personalized investment, tax, insurance, or legal advice. Kedrec, LLC is a Kansas state Registered Investment Advisor. Insurance products and services are offered through its affiliate, Kedrec Legacy, LLC.
This content on this website is provided for informational purposes only and is not intended to serve as the basis for financial decisions. It should not be construed as investment advice or a recommendation.
Investment advisory services are offered through Kedrec, LLC, a Kansas state Registered Investment Advisor. Insurance products and services are offered through its affiliate, Kedrec Legacy, LLC. We are not affiliated with the US government or any governmental agency.
Investing involves risk, including possible loss of principal. No investment strategy can guarantee success, ensure a profit or guarantee against losses. Insurance product guarantees are backed solely by the financial strength and claims-paying ability of the issuing company.
Insurance and annuity products involve fees and charges, including potential surrender penalties. Annuity withdrawals are subject to ordinary income taxes and potentially a 10% federal penalty before age 59-1/2. Life insurance generally requires medical and potentially financial underwriting to qualify for coverage. Optional features and riders may entail additional annual cost. Product and feature availability may vary by state.
Tax, legal and estate planning services are available only to members who purchase the Kedrec Wealth Membership level. Tax, legal and estate services provided by our network of tax and legal professionals. Always consult with qualified tax/legal advisors regarding your unique circumstances.