Tax-First Retirement Planning.
Married, within 10 years of retirement, and have $2 million or more saved in 401(k)s and IRAs, we show you how much you can safely spend, keep more of your savings, and give less to Uncle Sam.
Where Most Plans Fall Short
The Cost of Not Knowing
Your 401(k) and IRA balances are a tax bill waiting to grow. At $2 million-plus, that tax bill could be one of your largest expenses in retirement, and no one has shown you what it looks like.
Your advisor's plan tracks your portfolio. It does not track the taxes you'll owe when you start withdrawing from it.
Social Security taxation, IRMAA surcharges, Roth conversion windows: these are the decisions that can save six figures over a retirement. No one is having them with you.
Your Roth conversion window is open now, and it closes a little more every year you wait.
Your plan assumes you'll spend the same amount every year. But you'll spend more in your active years and less later, and that changes your tax strategy entirely.
You've seen the cost. Now see the plan.
What Couples Say After Switching to Tax-First Planning
MOKAN Wealth Management has not offered compensation for the testimonials featured. The displayed testimonials have been chosen from a spectrum of client feedback. To the best of our understanding, there are no other conflicts of interest associated with these testimonials.
Questions You Haven't Gotten Answers To
Nine Questions Every Couple Should Answer Before Retirement
These are the questions a tax-first retirement plan exists to answer. If we can't answer them yet, that's exactly why we're here.
- When can we comfortably retire?
- How much can we spend in retirement?
- When should we claim Social Security?
- How do we pay less in taxes in retirement?
- Should we convert our IRAs to Roth IRAs?
- What should we actually do with our 401(k) and IRA money in retirement?
- Will we be okay if something happens to one of us?
- How do we avoid IRMAA surcharges on our Medicare premiums?
- How do we leave more for our family and less for Uncle Sam?
These answers exist. Let's find them together.
How It Works
Three Steps. No Surprises.
Step 01 · No Cost
No Cost
Schedule a Fit Visit
A focused 30-minute conversation about your goals and your situation. You will leave knowing if it is the right fit, with no pressure and no commitment on either side.
Step 02 · One-Time
$3,500
Build Your Retire Ready Roadmap™
Due at the end of your second visit. This one-time fee is where your plan gets built around your income, taxes, healthcare, investments, and legacy.
Step 03 · Ongoing · Optional
1.0–1.5%
Ongoing Wealth Management
Optional. A yearly fee based on the assets managed, debited directly from your account. You can also take the plan and run it yourself at no ongoing cost.
- Ongoing retirement and tax planning
- Management of your investment accounts
- Two strategy visits a year, plus check-ins between them
Featured In
From our Kiplinger column
MOKAN Wealth writes for Kiplinger every month on the retirement tax topics most advisors skip: Social Security timing, Roth conversions, IRMAA, and everything else that determines how much of your savings you actually get to keep.
Monthly Contributor
Kyle Hammerschmidt
Founder, MOKAN Wealth
Recent Kiplinger Articles
Will Your Death Double Your Spouse's Tax Bill? 4 Ways Couples Should Prepare for the Widow's Penalty
Read on KiplingerKiplinger · Taxes9 Tax Surprises Retirees Don't See Coming Until It's Too Late
Read on KiplingerKiplinger · TaxesRetiring Early? ACA Subsidies Now Could Cause Tax Pain Later
Read on KiplingerCommon Questions
Frequently Asked Questions
You have real questions about fit, fees, and how this actually works. Here are straight answers to the ones we hear most.
We work exclusively with married couples within 10 years of retirement who have $2 million or more saved in 401(k)s and IRAs. Our clients did everything right. Now they want to make sure they keep what they built and give as little as possible to Uncle Sam.
Most came to us after realizing their previous advisor was managing the portfolio but not the retirement tax bill. They are ready to work with a team that puts taxes first and builds a coordinated retirement plan around their specific situation.
Areas We Serve
Serving Overland Park, Kansas City, and Clients Nationwide
Our office is in Overland Park, Kansas. We work with married couples across the Kansas City metro area who have $2 million or more saved in 401(k)s and IRAs, and with clients across the country. Every retirement plan we build puts taxes first so more of what you saved stays yours and less goes to Uncle Sam.
Two Books, One Tax-First Strategy
The Retire Ready Roadmap™ puts your retirement tax strategy in writing: one book to build your plan, one to avoid the surprises most retirees miss.
You saved in 401(k)s and IRAs. The Retire Ready Roadmap™ shows you how to build a tax-first plan before you stop working.
Get the Roadmap
The 9 retirement tax surprises most 401(k) and IRA millionaires never see coming, and how to avoid them.
Get Tax-Proof Your RetirementReady to Keep More of What You Built?
MOKAN Wealth is currently accepting new clients.