How to Position Your Retirement Plan and Portfolio Before the Next Market Crash... Without Guessing, Gambling, or Locking Your Money Away.
A simple, step-by-step guide to help you protect your retirement, reduce risk, and feel confident, even when markets are volatile.
Inside, you’ll learn how to understand your retirement plan, spot hidden risks, and make smarter decisions, even without a financial background.
If you’ve ever been invited to a free dinner only to sit through an annuity presentation, this will feel very different. This guide is designed to be educational, helping you understand retirement planning tradeoffs without pressure or persuasion.
You’ll be introduced to a planning concept called a “Reservoir,” which explores a different way retirees think about income, growth, and tax considerations during market downturns.
For about the price of a cup of coffee, you can get instant digital access to the book and audiobook, How to Retire on Time.
As Seen On:
Many Americans Are Just One Market Crash Away From Not Being Able to Retire On Time
It may sound uncomfortable, but it’s a reality many retirees never hear.
Too many Americans are taking far more risk in their retirement accounts than they realize, especially as they approach retirement.
You work your entire life.
You save consistently.
You contribute to your 401(k).
You do “everything right.”
But a single, badly timed market downturn, particularly in the final 5–10 years before retirement, can delay your retirement by years.
And these downturns are not rare or unpredictable.
Over the past few decades alone, markets have experienced major declines in 1987, 2000, 2008, 2020, and 2022.
Market crashes are normal, frequent, and unavoidable. The problem is that too many retirement plans are built as if they’ll never happen.
That’s exactly why so many people, even those who saved diligently, end up delaying retirement…
...or running out of money later in life.
What if there were a more strategic way to prepare for retirement?
When a plan and portfolio are positioned thoughtfully, market downturns don’t have to be approached with the same level of fear.
Here’s the part Wall Street, the media, and many retirement advisors never tell you…
A market crash is not the enemy.
Being positioned incorrectly is the enemy.
Every crash you’ve ever lived through had two groups of people:
Group #1: The Unprepared
Their accounts fall 20–40%.
Their advisor tells them to “stay the course.”
They lose sleep… and sometimes lose their retirement date.
Group #2: The Positioned
They protect a part of their portfolio on the way down so that they can potentially…
...Maintain their retirement income without accentuating losses.
...Use funds that did not go down with the market to buy the dip and enjoy the growth from the expected recovery.
...Convert more IRA assets to Roth-IRAs without paying a higher tax bill.
The difference?
Positioning.
Not luck.
Not timing.
Just positioning.
Market Crashes Create Some of the Greatest Wealth-Building Opportunities of Your Lifetime
But only if you’re positioned to take advantage of them (Hint: I'm NOT talking about shorting the market... that's risky for a retiree).
Many traditional retirement plans are built on:
Hope
Outdated rules
4% Withdrawal Guidelines
Fixed Allocations
Blind Optimism
And worst of all…
They assume crises won’t happen.
But history, over 100 years of it, proves they always do.
The next crash is not a question of if.
It’s a question of when.
And when it hits, you’ll be in one of two camps:
1. Positioned Correctly → Protected + Ready to Benefit
2. Positioned Incorrectly → Exposed + Forced to Delay Retirement
Most people fall into the second category… not because they’re dumb, but because they’ve been given the wrong plan/portfolio/expectations.
This Is Why I Wrote the Book How to Retire on Time
Too many advisors don’t teach this.
Too many financial books don’t explain it.
And too most retirees never see it until it’s too late.
The strategy I teach in Chapter Four does two things:
1. Helps protect you and your retirement income when markets fall
2. Potentially benefit from those same crashes
It’s the opposite of what many people are doing.
It’s the opposite of what many traditional advisors tell you.
And it’s exactly why so many retirees remain stuck and afraid.
You don’t need to fear.
You need the right positioning.
If the idea of potentially benefiting from the next market crash makes sense to you, you’re already thinking differently from many other retirees, and that’s a very good thing.
What You’ll Get With Instant Digital Access
How to Retire on Time (Digital Book & Audiobook)
Workbook, Checklists, and AI Prompts
Retirement Planning Tools
Supporting Calculators
Access to Live Q&A Sessions
Everything is delivered digitally, so you can start reviewing it right away.
All for about the cost of a cup of coffee... Get instant digital access today with a 365-day money-back guarantee, no questions asked.
Why Market Crashes Hurt Some Retirement Plans and Barely Affect Others
If you’ve been saving for retirement for 20–40 years, you’ve probably been told the same outdated advice over and over:
“Stay the course.”
“The market always goes up over time.”
“Don’t try to time the market.”
“You’ll be fine if you just stay invested.”
This advice works great for young people with decades ahead of them.
But for retirees?
For people who can’t afford a 5–10 year recovery window?
It’s dangerous.
Irresponsible.
And outdated.
Because here’s the truth:
When you’re within 10 years of retirement, traditional advice can turn market crashes into catastrophic, retirement-destroying events.
But when you’re positioned correctly, those same crashes become strategic opportunities.
This is the foundation of the Reservoir strategy.
It's a retirement positioning strategy built specifically for real people who cannot afford “hope,” “stay the course,” or 40-year timelines.
What Is a Reservoir?
It’s a specialized retirement planning method built on one simple idea:
When markets are up, you can take income from any source and be fine.
When markets go down, you want to take income from protected sources that have not lost money.
The reality is, if you take income from an account that has gone down in value, you accentuate the loss, making it more difficult to recover...
...and because you haven't had to worry about this before retirement, it probably hasn't shown up on your list of things to worry about.
The Reservoir Isn’t an Allocation... It’s a Way of Thinking
When people first hear about the Reservoir, they often assume it’s a specific investment or a fixed portion of a portfolio.
That’s a natural reaction, but it misses the point.
The Reservoir isn’t about how much money goes into one place.
It’s about how a retirement plan is positioned to handle income needs, timing decisions, and market volatility.
Because of that, the better question isn’t “What percentage should be allocated?”
It’s “How does the plan create flexibility when markets are under stress?”
Different tools can play different roles in that process.
What matters most is understanding how various options work, when they may or may not make sense, and how they interact with the rest of a retirement plan...
...Not memorizing a list of products.
That’s exactly what this book is designed to help you think through.
This is the exact system I use with private clients... the same system that costs them thousands of dollars in planning and ongoing advice.
Today, you can get the entire thing for a fraction of that.
But first, let me show you everything that’s inside.
“Everything You Need to Build a Retirement Plan That's Designed to Last Longer Than You®”
This is not just a book.
It’s not a course.
It’s not a pile of worksheets.
It’s a retirement planning system that you can do from the comfort of your home.
It includes the tools, checklists, calculators, and pieces of training you need to build a retirement plan that is designed to help you:
Lower your risk.
Minimize your taxes.
Increases your retirement income.
Protect you from the next market crash.
Determine when to file for your Social Security benefits.
Coordinate your Healthcare options.
All while giving you clarity and confidence along the way.
WHAT’S INCLUDED WITH INSTANT DIGITAL ACCESS
This is the exact system I use with private clients... the same system that costs them thousands of dollars in planning and ongoing advice.
Today, you can get the entire thing for a fraction of that.
But first, let me show you everything that’s inside.
1: How to Retire on Time eBook (Instant Access)
The 2x Amazon bestselling retirement planning book that started it all.
You’ll learn the core framework, problems with common income strategies, and how to create a retirement plan that is designed to last longer than you®.
Value: $9.99
2: Full Audiobook (Instant Access)
Listen in the car, on walks, or while traveling.
Perfect for fast learners and people who want to finish the system quickly.
Value: $19.99
3: Official Workbook (Instant Access)
A complete step-by-step planning workbook that turns ideas into action.
This 100+ page workbook walks you through risks you may not know exist, how to read and find opportunities on your tax return, and much more, so that you can ask better questions and create a better plan.
Value: $49.99
4: Planning Checklist (Instant Access)
When it comes to retirement planning, there's an important sequence that must be followed.
Don't jump over dimes to pick up pennies. This checklist helps you create a plan that supports your happiness, joy, and well-being in retirement.
Value: $9.99
5: Planning Calculator (Instant Access)
A simple, powerful way to test your retirement plan, run scenarios, and see your plan’s projections, without the high-pressure sales pitch from an advisor.
Value: $99.99
6: AI Planning Prompts (Instant Access)
Instead of getting a sales pitch from a biased advisor, ask neutral and open questions to your favorite AI so you can discover what is right for you.
Start asking the right questions (many you would never have thought to ask) so that you can get easy-to-understand objective insights back in seconds.
Value: $14.99
7: Weekly Live Q&A with the Author (via Zoom)
Each week, you can join a live session directly with Michael Decker, the author of How to Retire on Time, where he answers your questions, reviews concepts, explains strategies, and helps you gain clarity and confidence in your retirement plan.
Value: $49.99/month
(included at no cost)
Total Value: $254.93
But today, you’re not paying anywhere near that.
Not $254.
Not $99.
Not even the $19.99, which is what it costs on Amazon.
Because you’re on this page, you can get the book and bonuses... the training, the tools, the checklists, prompts, and more... for just:
$5.95 (One-Time Only)
If this is starting to resonate with you, the next step is simply to buy the book and start reading (or listening).
You can explore How to Retire on Time, along with the supporting tools, at your own pace by clicking below.
$5.95 • Instant digital access • 365-day money-back guarantee
What this Book Walks Through
How retirement plans are commonly positioned, why those strategies could be consider risky, and what to do instead.
Where hidden risks often show up as markets change.
Why timing and flexibility matter more in the years leading up to and through retirement.
Why you need a different income and tax minimization strategy for when markets are good and when markets are bad.
A clear framework for evaluating retirement decisions more thoughtfully, without relying on predictions or assumptions.
How to position your retirement portfolio before the next market crash.
Why your income plan may differ based on what phase of retirement you are in.
In short, you’ll get the clarity, structure, protection, and confidence to know when the right time is to retire and how to maintain your retirement plan, even if the markets become volatile right when you retire.
Who This Is For
The Retire On Time System was built for real people who want clarity, confidence, and a plan designed for the real world... not just on paper.
If any of these describe you, then this system was made for you:
You’re planning to retire in the next 5–10 years and want to be confident that you’re positioned correctly before the next market crash.
You’ve saved your whole life but still feel uneasy about whether your retirement plan will last as long as you need it to.
You’re worried your current advisor isn’t telling you the whole truth... or isn’t factoring in the risks that matter most to you.
You want more income, lower taxes, and a strategy that helps protect you during volatility... without locking your money into a lifetime income annuity.
You want a plan that makes sense, feels safe, and can be implemented without having to become a financial expert.
You want to understand your retirement well enough to make smart decisions, even if the market turns rocky.
You simply want peace of mind knowing you’re on the right track and not “one crash away” from delaying retirement.
If That Sounds Like You... You’re in the Right Place
The systems, frameworks, and strategies shared in this book give you the clarity most retirees never receive... Even after decades of investing.
You don’t need luck.
You don’t need Wall Street.
You don’t need a market that always goes up.
You just need a plan and a portfolio that’s positioned correctly.
A Simple Next Step... If You’d Like to Learn More
If this way of thinking about retirement is starting to resonate, the next step is simply to review the book and see how these ideas apply to your own situation.
Everything is presented clearly and at your own pace, so you can take what’s useful and leave the rest.
What You’ll Get With Instant Digital Access
How to Retire on Time (Digital Book & Audiobook)
Workbook, Checklists, and AI Prompts
Retirement Planning Tools
Supporting Calculators
Access to Live Q&A Sessions
Everything is delivered digitally, so you can start reviewing it right away.
$5.95 • Instant digital access • 365-day money-back guarantee
Terms and Conditions Privacy Policy
Copyright © 2026• Kedrec LLC • All Rights Reserved
This site is not a part of the Facebook website or Facebook Inc. Additionally, This site is NOT endorsed by Facebook in any way. FACEBOOK is a trademark of FACEBOOK, Inc.
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 planning and/or wealth management clients. 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.