Next Live Workshop: March 5th at 7:30 ET via Zoom

Retirement Isn’t a Math Problem...

It’s a Systems Problem.

Watch Me Build a Retirement Plan From Scratch While I Answer Your Questions.

As Seen On:

This is a live workshop on Zoom with open Q&A.

Limited spots. No replays.

Can You Afford to Retire on Time?

Most people don’t have a retirement plan... They have a portfolio (full of ambiguity).

If you’re 50–70 and unsure whether your retirement plan (and/or portfolio) is truly optimized for income, growth, tax minimization, healthcare, etc., this workshop is for you.

In this live workshop, the author of the book, How to Retire on Time, will build a retirement plan from scratch, share different retirement strategies and systems you can implement on your own, and answer your questions in real time.

  • 10 Ways to Create Retirement Income - and how to blend them strategically

  • Tax Planning That Aligns With Your Goals - including when NOT to convert to Roth

  • Social Security Optimization - and how it affects other parts of your plan

  • Healthcare Planning - including common mistakes you don't want to make

  • Live Q&A - Bring Your Questions

You’ll see how a real retirement system is built, step by step. Only work with me afterward if you don’t want to build it yourself.

Live Workshop

Ask questions while I build so you have more context.

Custom Plan

Discover, step-by-step, how to create a more comprehensive plan.

Advanced Portfolio

Discover how to design your portfolio around your plan.

Life is dynamic.

Your retirement plan should be too.

Too many retirement plans are built around a product or a single projection designed to give you confidence today. The problem? Retirement isn’t static; it's dynamic. Markets change. Tax brackets shift. Inflation hits. Healthcare costs evolve.

The retirees who thrive aren’t the ones with the “perfect” plan... they’re the ones with a system full of various strategies they can implement as life unfolds. Retirement planning isn’t about getting the math right once. It’s about coordinating income, taxes, investments, Social Security benefits, and healthcare (and their associated risks) in a way that adapts over time. We want to answer questions like:

  • "How do I know if I have saved enough to be able to retire?"

  • "How do you take a pile of money and turn it into income?"

  • "What should a retirement plan look like?"

  • "How will taxes affect my retirement?"

  • "When should I file for Social Security?"

  • "How do I maintain income when markets go down?"

  • "What if I live longer than expected?"

  • "How do I handle healthcare before and after 65?"

  • "How conservative should my portfolio be?"

  • "What should be done before I officially retire?"

Why are we doing this for free?

Most people are sold products (oversimplified plans). Very few are shown different strategies and systems with a breakdown, so you can determine which is right for you.

We believe that when people are more informed, they make better decisions.

After the workshop, you'll be invited to:

  • Implement what you learn on your own (DIY)

  • Hire us to build a plan you can manage on your own (one-time)

  • Hire us to manage your retirement for a flat fee (on-going

The goal is to help you see the full picture so you can confidently choose the path that is right for you.

What You’ll Learn in the Workshop

  • The First Step in Retirement Planning That Many Miss.

  • 10 Ways to Structure Retirement Income (And When Each One Breaks).

  • The Truth About IRA-to-Roth Conversions (And When It Makes Sense to Avoid Them).

  • Why many retiress are taking too much risk (and have no idea).

  • How to Manage a Portfolio During a Market Crash (Hint: It's Not 'Ride It Out')

  • How to build a retirement system that adapts instead of reacts.

  • What to Do If Most of Your Retirement Savings Are in a 401(k).

  • When the Zero Tax-Bracket May Not Be in Your Best Interest.

  • What to Do If Your RMDs Will Push You Into a Higher Tax Bracket.

  • The Need-to-Know Risks of Guaranteed Lifetime Income from an Annuity (or Pension).

  • When the Cheapest Senior Healthcare Plan Can Be the Most Expensive in the End.

  • Why the 'tax-free' retirement is typically NOT a smart tax strategy.

  • Why Social Security Is a Tax Strategy, Not Just a Source of Income.

  • How to pick your Senior Healthcare Plan, even if you have significant health issues.

  • Why you put your plan together before you consider what should go in your portfolio.

  • Why You May Want the Market to Crash the year you retire.

  • When to file for your Social Security benefits (and why you should consider other parts of your plan before you file)

  • Why a $500k portfolio should have a different approach than a $5 million portfolio.

  • The real purpose of diversification (and why many get it wrong).

  • How to build Your RMDs Into Tax-Efficient Income.

  • How to coordinate your income and tax planning to be more efficient.

  • What to look for on your 1040 (tax return) and how to use it each year to make better financial decisions.

  • Why We believe a "Diversified Portfolio" should not be considered a retirement plan.

  • When higher average returns can actually hurt your portfolio.

  • When Taking Social Security Early Beats Waiting.

  • How to Help Make Healthcare More Affordable, Even If You Retire Before 65.

  • How to Optimize Your Social Security to Reduce Tax Drag.

  • Say Goodbye to IRMAA Surprises With These Simple Moves.

“Retirement planning isn’t about finding the ‘perfect’ investment, product, or strategy. That doesn’t exist. What retirees really need is a framework and a system that can adapt as their lives change and as the market evolves.”

— Michael Decker, NSSA®

Author of How to Retire on Time

This Is For Those Who...

  • Are retired or want to retire within 5 years.

  • Want to understand how to create a more comprehensive and holistic plan.

  • Have an open mind to learning how things are, NOT how you want them to be.

  • Want to pay less in taxes.

  • Want to plan so the surviving spouse is set up for success.

  • Are concerned about Senior Health Care and future healthcare costs.

  • Want a more granular understanding of how various investments and products work.

This Is NOT For Those Who...

  • Want stock tips or day-trading ideas.

  • Want a “set it and forget it” system.

  • Want the "perfect" investment or product (it doesn't exist).

  • Believe more risk = more reward (not true).

  • Think retirement planning is only portfolio management.

  • Don’t want to understand why a strategy works.

  • Are hoping for secret loopholes or guaranteed outcomes.

  • Think “retirement planning” means “just pick better funds.”