FREE LIVE WORKSHOP · TUESDAYS AT 6:30 PM CT
Create a Retirement Plan That Is Designed to Last Longer Than You®
A diversified portfolio with a withdrawal rate is not a plan. An annuity is not a plan. A plan tells you how to get more out of your money and what to do when markets go down. Tuesday night, you'll learn how to build one.
Michael Decker, NSSA®, author of How to Retire on Time, walks through the full planning process live every Tuesday night. It's the same process he runs for clients, taught so that you can run it yourself at home. Bring your questions.
How to determine if you've saved enough for retirement and can afford to retire on time
How to turn a pile of money into a dynamic system that generates monthly income, even when markets go down
When Roth conversions make sense (and when they quietly hurt your plan and legacy)
What to do with your portfolio in the next downturn, from a tax and growth standpoint
How Social Security timing affects your income, tax, and healthcare strategies
As Seen On:
Who this is built for
The three people who get the most out of a Tuesday night.
Five years out
You've been running your own numbers and you want to know whether they hold up... before you hand in a notice you can't take back.
Just retired
The paychecks stopped, and every decision got real: when to draw, what to sell, what it costs in taxes. The math changed the day you stopped working and saving.
Already have a plan
Somebody built one for you, but you're not sure it is right for you. You'd like to check their work against a process you can actually follow.
If you're here for a hot stock, a product recommendation, or a free steak dinner, this is the wrong place to be on Tuesday night.
Most retirement plans are built backward.
Here's how it usually goes. Over the years, you bought some investments. Later, somebody recommended a strategy or a product: a Roth conversion, an annuity, a bucket approach. Each piece made sense on its own.
But nobody ever built the plan those pieces were supposed to serve.
That's backward, and it's why income, tax, Social Security, and healthcare decisions often end up working against each other. Not because anyone did anything wrong. It happens because the portfolio came together first when it should have been last.
How it usually happens
Buy a pile of investments and products and call it a portfolio.
Figure out what you can do based on the limits of that portfolio.
Plan your lifestyle around the limits of the strategies and the portfolio.
How it should happen
Run your projections so you know what to expect moving forward.
Explore the strategies that can help you get more out of the money.
Pick investments and products last, based on the strategies you chose.
Plan first. Strategies second. Products third.
Reverse that order and everything downstream gets harder. This workshop walks the order forward.
Step 01
The Plan
Projections first. What your money is actually on track to do (income, taxes, longevity, the whole picture) before anybody recommends anything.
Step 02
The Strategies
Withdrawal sequencing, conversion timing, filing decisions, reserve structure. A system of dynamic moves you can make as life unfolds.
Step 03
The Products
Only now. Chosen to execute a strategy you already decided on instead of a strategy invented to justify a product somebody sold you.
Life is dynamic. Your plan should be too.
The retirees who do well aren't the ones who found the perfect plan. They're the ones holding a system of strategies they can reach for as life changes. Retirement planning isn't about getting the math right once. It's coordinating income, taxes, investments, Social Security, and healthcare, and their risks, in a way that adapts over time.
On Tuesday we work through questions like these:
How do I know if I've saved enough to actually retire?
How will taxes hit me differently once I stop working?
How do I keep taking income when the market drops?
How do I handle healthcare before and after 65?
How do you turn a pile of money into a paycheck?
When should I file for Social Security?
What if I live a lot longer than expected?
What should be done in the year before I retire?
What we cover Tuesday night.
The first step in retirement planning almost everyone skips (and what skipping it quietly costs).
Ten ways to structure retirement income, and the point at which each one breaks (benefits and detriments).
The truth about IRA-to-Roth conversions, including the cases where the math says it's not for you.
How to manage a portfolio through a crash (a prepared reaction is better than a risky prediction)
Why chasing a higher average return can leave you with less money than you started with.
What to look for on your own 1040, on the page most people never read.
A 1% annual advisory fee sounds small. Compounded over a thirty-year retirement, it's a meaningful share of what you'd otherwise have spent. This isn't an argument against advisors... It's the case that you should understand your own plan well enough to decide whether you want one (or not).
"Retirement planning isn't about finding the perfect investment, product, or strategy. That doesn't exist. What retirees need is a framework that adapts as life changes and the market moves."
— Michael Decker, NSSA®
Author of How to Retire on Time
Over a decade of experience in Retirement Planning
Contributor to Kiplinger Magazine
Flat-Fee Fiduciary (not 1% of your assets)
Believes a plan could be all you need
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.