For people within five years of retirement or already retired
Check your own retirement math before you sit through another product sales pitch
Most retirement advice online was written for someone else's situation. Most retirement meetings are designed to end in a product. Neither one tells you whether the plan you actually have is right for you or even holds up.
Here are two ways to check your numbers:
Live · Tuesdays, 6:30 pm Central
The Retire on Time Workshop
"Walk me through it, and let me ask questions."
Sixty minutes on how retirement planning actually works (plan first, strategies second, products third). Bring the plan you already have and check it against the process.
Free via Zoom. You'll get the event link by email.
On Your Own Time
The Retire on Time Planning Kit
I'd rather work through it myself."
The book, the workbook, and the planning calculators in one place. Start with the three-minute readiness check. Then go at whatever pace suits you.
Free with Login Access. No download to lose track of.
Not sure which? If you've never mapped out the order (plan, then strategies, then portfolio), start with the Tuesday workshop. If you already have a plan and want to pressure-test it yourself, take the Kit. Plenty of people end up doing both.
Both doors teach the same thing...
...in a different order.
There's a sequence to retirement planning that almost nobody follows, and getting it backward is what quietly costs people money for twenty years. It isn't complicated. It's just rarely taught, because there's nothing to sell at the end of it.
Plan First
Before any product or strategy, you need to know what your money has to do and for how long. Most people start with products and then try to force them into a plan. That's backwards.
Strategies Second
Withdrawal order, tax bracket space, when to file for Social Security. These are decisions, not products, and they need to be explored before you could know what should be in your portfolio.
Products Third
There's no such thing as a perfect investment, product, or strategy. Nothing does everything well. Products are how a strategy gets implemented. They're the last question, not the first.
What you'll have that you don't have now.
After Tuesday's workshop
The correct sequence when putting together a retirement plan
The truth about how to manage money in the market (it's simpler than you think)
How to lower your risk based on your plan, not an arbitrary portfolio allocation
Discover strategies often missed that can help you get more out of your money
After working through the Kit
A readiness check that tells you how close you are to being able to retire
The book and workbook, which show you how to put a retirement plan together
Retirement calculators to run your own numbers instead of taking someone's word
Enough of the framework that you could build the plan yourself if you chose to
Pick a door.
Same material either way. The only real question is whether you'd rather be walked through it on a Tuesday or work through it on your own.
Live · Tuesdays, 6:30 pm Central
The Retire on Time Workshop
"Walk me through it, and let me ask questions."
Sixty minutes on how retirement planning actually works (plan first, strategies second, products third). Bring the plan you already have and check it against the process.
Free via Zoom. You'll get the event link by email.
On Your Own Time
The Retire on Time Planning Kit
I'd rather work through it myself."
The book, the workbook, and the planning calculators in one place. Start with the three-minute readiness check. Then go at whatever pace suits you.
Free with Login Access. No download to lose track of.
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.