Will You Be Able to Retire on Time?
Get the FREE Retire on Time Starter Kit and find out in three steps.
Step 1: Read or listen to the book
Get the digital book and the full audiobook so you understand exactly what goes into a retirement plan before you talk to anyone.
Step 2: Run your numbers
Open the same retirement planning calculator I use with my clients every day. Plug in your details and see where you actually stand... in minutes, not months.
Step 3: Know your next move
Join me for a weekly Q&A where I answer retirement questions, live. Whether you plan to do it yourself or want professional help, you'll know exactly what to do next.
You're within five years of retirement. Maybe closer. And somewhere in the back of your mind, there's a question you haven't been able to fully answer:
Am I actually going to be okay?
You've saved. You've been responsible. But now comes the part nobody prepared you for... How do you take everything you've built and turn it into an income stream that's tax-efficient and designed to last?
Between Social Security timing, taxes, healthcare costs, and what the market might do between now and the day you stop working, it's hard to know if the number in your head is the right number and if your money is in the right places.
That's why I wrote How to Retire on Time and why I'm giving it to you today, along with the same retirement planning calculator I use in every professional planning session.
No appointment required. No sales call. No strings.
Just the book, the audiobook, and the calculator, so you can sit down on your own time, run your real numbers, and find out if your plan and portfolio are designed to last longer than you®.
Download Your FREE Retire on Time Starter Kit
"After a decade of helping hundreds of families retire, I realized people don't need another steak dinner with a biased sales pitch... They just need better (neutral) information.
So, I put everything I've learned into this book in hopes that people will realize there's no such thing as a perfect investment, product, or strategy. Nothing does everything well. Once you accept this reality, the doors open to a path towards a more comprehensive and efficient retirement plan and portfolio. I'm also sharing the same calculator I use with my clients every day so that you have the tools needed to implement everything you'll learn.
Some people will read it and feel confident handling retirement on their own (DIY). Others will want professional help (one-time plan or ongoing services for a flat fee). Either way, the goal is to help you ask better questions and make better decisions..."
- Michael Decker, NSSA®
Author of How to Retire on Time
Founder of Kedrec Wealth
Everything You Get
How to Retire on Time eBook
The full framework in book form. Read it in a weekend or listen on a walk. The book lays out the key philosophy, the tax strategy, and more without industry jargon. You'll get a digital copy instantly.
Value: $19
How to Retire on Time Audiobook
Listen on walks, in the car, or while you make breakfast. The full book, narrated, so you can absorb the framework however you learn best.
Value: $19
The Retire on Time Planning Calculator
Use the same planning tool that the author uses with his clients every day. See your starting portfolio, projected income, and plan longevity at a glance. Model different scenarios (IRA to Roth conversions, Stress Tests, etc) so you can see how the decisions you're making today may affect your retirement.
Value: $97
Weekly Live Q&A with the Author
Every week, Michael Decker, NSSA® goes live to share market updates, a few timely retirement planning tips, and answer questions submitted by Kit owners in real time, on camera, with no filter
Value: $197
Total Value
How to Retire on Time eBook
How to Retire on Time Audiobook
Retire on Time Planner
Weekly Q&A Sessions
Total Value: $332
Today: FREE
Why Is This Free?
Because the best time to plan is before you need to... And most people just need clarity to get started. If this book and calculator give you the confidence to retire on your own terms, that's a win. And if you decide you'd like professional help, we're here.
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.