Retirement planning for people who'd rather understand their plan than blindly trust someone.
Our mission is to help you build a retirement plan designed to last longer than you®.
We do that by laying out your options clearly, walking through the trade-offs honestly, and letting you decide what's right for you.
As Seen On
What We Believe
We created Retire on Time because we believe the financial services industry has lost its neutrality and stopped serving people as they expected to be treated. Too many retirees ask for an analysis and get a sales pitch. Too many are pressured into decisions driven by fear instead of clarity.
The reality is there's no such thing as a perfect investment, product, or strategy. Nothing does everything well. That means understanding the benefits and detriments of any decision you could make is the only way to build a plan and portfolio that's actually right for you.
You deserve better. So we built it.
Income
Taxes
Social Security
Healthacare
Legacy
How to Get Started
A good plan isn't built on confident answers. It's built on better questions. That means setting aside your assumptions, exploring your options without bias, and discovering what's right for you.
Start Here
Home Planning Kit
Enjoy twelve tools, calculators, and educational resources to help you understand your options and build a plan at your own pace. Most people start here.
Keep Learning
Q&A with the Author
Subscribe to the podcast, read our newsletter, and attend the weekly Live Q&A. Follow along as we tackle in real time the questions retirees actually wrestle with.
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Plan with Kedrec Wealth
When and if it makes sense, work with our team as you build your plan. Not required, but available when you want a professional in your corner.
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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.