This article was originally published on Yahoo! Finance.

Traditionally, retirement planning revolves around a stock/bond portfolio that is focused on growth, suggesting you take around 4% as income each year. Other traditional strategies include funding a dividend portfolio or funding and annuitizing a fixed or fixed income annuity so that you can have guaranteed lifetime income.

Michael Decker, the founder of Kedrec and the author of the book, “How to Retire on Time – Create A Retirement Plan Designed To Last Longer Than You” believes that these traditional strategies are extreme and either expose the client to more risk than they may realize or do not offer enough flexibility to adapt to an ever changing financial environment.

“There’s no such thing as a perfect investment. There’s no such thing as a perfect strategy. Retirement planning is a paradoxical problem that takes a balanced and principle-based approach to be able to solve.”

After spending a decade challenging these traditional, and in his opinion risky strategies, Decker has compiled his research into his new book. “I wrote it so it could be an easy-to-follow step-by-step guide for those who are retired or approaching retirement within the next 10 years.”

Unlike standard books, this book includes access to planning tools, on-demand webinars, and other resources so you can design your retirement to last longer than you without relying heavily on annuitized income streams or risky stock/bond portfolios.

This unique book will show you:

• How to run your retirement income numbers and determine if/when you can afford to retire (It's easier than you think).

• Seven common retirement myths that could hinder your ability to retire on time and stay retired.

• Why many common retirement rules may put you at more risk than you realize, and what to do about it.

• Unique investment strategies you may not have heard of before.

• How to proactively anticipate and manage your retirement during the ups and downs.

• Why it's typically not too late to course-correct. If you have already retired, there's still time to get on the right path.

Decker says, "people work their tail off for over 30 years to be able to retire. They deserve a frank and transparent conversation that can help them organize their assets and put a plan together that can help them achieve what I call Lifestyle Independence, a season of life where you can decide how you will spend your most precious commodity, time."

"If you are willing to put in the work and maintain a proactive position, financially speaking, then you're going to love How to Retire on Time: Create a Retirement Plan Designed to Last Longer Than You."

Michael Decker is the author of the book, "How to Retire on Time," and the founder of Kedrec, a Registered Investment Advisory Firm located in Kansas State that specializes in comprehensive wealth planning and management at a flat-fee. He helps people create retirement plans that are designed to last longer than them, without relying on annuitized income streams or risky stock/bond portfolios.