Mike Decker, NSSA®
Mike Decker, NSSA®, is the founder of Kedrec Wealth, a flat-fee financial planning firm that offers one-time services or ongoing management for a fixed monthly fee. He is also the creator of Cash Flow and Capital, an app designed to help people develop a healthier relationship with money by improving awareness around spending and decision-making.
Mike is the author of How to Retire on Time, How to Prepare to Retire on Time (coming soon) and The Bear Market Protocol (also coming soon). He shares practical retirement and wealth-building strategies through his podcast, weekly newsletter and two YouTube channels.
His mission is simple — to help people develop a healthier relationship with money so that they can make better decisions with their time and money.
Phone: (855) 553-3732 | Email: plan@kedrec.com | Website: www.kedrec.com
X: @MikeKedrec | LinkedIn: www.linkedin.com/in/mikekedrec
Latest articles by Mike Decker, NSSA®
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Retirees' Anti-Bucket List: 10 Experiences You Don't Want
Your retirement bucket list is no doubt packed with fun stuff. Here's how to help ensure that you won't get blindsided by things that could have been prevented.
By Mike Decker, NSSA®
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Three Common Cash Flow Mistakes and How to Fix Them
Better cash flow management could have a bigger impact on your retirement savings than simply making more money. Here's how to manage that.
By Mike Decker, NSSA®
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How to Use Good Debt (While Identifying and Avoiding Bad Debt)
Not all debt is bad, but knowing the difference between good debt and bad debt and how to use them can help you get ahead financially and stay ahead.
By Mike Decker, NSSA®
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10 Ways to Generate Retirement Income
Each of these retirement income strategies has benefits and drawbacks. Here's what to consider to help you decide which ones might work for you.
By Mike Decker, NSSA®
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Five Ways to Lower Your Risk in Retirement
If you're losing sleep at night worrying about your investments, you might want to consider the benefits of protecting at least some of your principal.
By Mike Decker, NSSA®
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Roth Conversions: Convert Everything at Once or as You Go?
Two hypothetical examples of Roth conversions made at different times (all at once vs as you age) show a stark difference in what could be left for your beneficiaries.
By Mike Decker, NSSA®
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What Is Absolute Return Theory? Three Ways You Can Try It
Most investors are familiar with tracking an index for relative returns. Absolute return theory is a more intentional and sophisticated approach to investing.
By Mike Decker, NSSA®
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Many Retirees Don’t Know About This Major Market Risk: Do You?
Flat market cycles can wreak havoc on your retirement planning. Here’s why you shouldn’t focus only on average returns.
By Mike Decker, NSSA®
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Four Historical Patterns in the Markets for Investors to Know
Market performance regularly runs a gamut of annual dips and flat cycles to corrections and crashes. Investors who know the patterns can set reasonable expectations.
By Mike Decker, NSSA®
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Delaware Statutory Trust: The Landlord’s Exit Many CPAs Don’t Know Exists
Are capital gains taxes holding you back from selling your rental property? A Delaware statutory trust could be the answer you’re looking for.
By Mike Decker, NSSA®
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1031 Exchange: Do You Know Your ‘Like-Kind’ Options?
You might have some misconceptions about what kinds of real estate investments qualify for your 1031 exchange. Read on for a definitive list of your like-kind options.
By Mike Decker, NSSA®
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Retirement Planning with Life Insurance
An indexed universal life insurance policy can help you with tax mitigation and extra retirement income in addition to death benefits for your beneficiaries.
By Mike Decker, NSSA®
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What Is Indexed Universal Life Insurance and How Does It Work?
This permanent life insurance provides a death benefit to your beneficiaries but also offers a cash-value component that can grow over time.
By Mike Decker, NSSA®
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Social Security Optimization If You Save More Than $250,000
When you choose to take benefits will make a difference in how your income and assets play out over many years. Let’s explore some scenarios.
By Mike Decker, NSSA®
