Retire Ready Roadmap™
A tax-first retirement plan that connects your income, investments, healthcare, and legacy into one coordinated strategy. You’ll see exactly how much you can spend, keep more of your savings, and pay less to Uncle Sam.
Getting Started
Your Tax-First Retirement Plan is built in 4 weeks
Two phases over ten weeks. Phase one builds the plan in four weeks. Phase two determines who handles the ongoing monitoring and optimization.
Phase 1
Three sessions. Four weeks.
Week 1 · No Cost
Strategy
A 30 to 45 minute conversation about your goals and concerns, including a walkthrough of your Nine Tax Surprises Analysis. You'll leave knowing whether it's the right fit, whether the Retire Ready Roadmap™ makes sense for your next steps, and what tax surprises Uncle Sam has waiting for you.
Week 3
$4,500
Your Roadmap Review
Nine tax surprises sit inside a traditional retirement that almost nobody warns you about. Your Retire Ready Roadmap™ answers 25 questions with your specific numbers, across all five areas.
Best for couples already working with an advisor or looking to partner with one.
What Your Retire Ready Roadmap™ Walks You Through
- 01When can you comfortably retire?
- 02When is working optional? (What is the earliest age you can retire without changing your lifestyle?)
Without a real spending number and guardrails, most couples default to underspending in the go-go years.
- 03How much can you safely spend each month and stay on track?
- 04What portfolio balance would trigger a spending decrease?
- 05What portfolio balance gives you permission to increase spending?
- 06Which accounts do you spend from first, 401(k), IRA, Roth, or brokerage, and in what order?
- 07Which withdrawal strategy should you use in retirement? (4% rule, staged spending, retirement guardrails)
- 08Should you claim Social Security early and enjoy it in the go-go years, or wait and collect more later?
The Rothification Method™ combines proactive Roth conversions and tax diversification to reduce your lifetime tax bill.
Your personalized Rothification Method™ will answer:
- 09What does your lifetime tax bill look like with and without Roth conversions?
- 10How much of your Social Security will be taxed, and what can you do before it starts?
- 11When do you start converting, how much do you convert each year, and when does the window close?
- 12Where do the taxes on Roth conversions come from, and how do you handle them?
- 13What will your Required Minimum Distributions be at 75, 80, 85, and 90, and how much goes to the IRS?
- 14What happens to your plan if tax rates go up, and how do you protect against that risk right now?
- 15What return does your portfolio actually need to support your retirement plan?
- 16How does the plan stay protected from a market downturn in the first few years of retirement?
- 17How much should be held in fixed income in your Retirement War Chest, and for how long?
- 18Once the Retirement War Chest is funded, how should the rest of your portfolio be invested?
The Rothification Method™ combines with advanced IRMAA strategies to minimize surcharges, protecting your 401(k) and IRA savings before 65, after 65, and every step in between.
- 19How do you cover healthcare between retirement and age 65 if you retire early?
- 20How does Medicare enrollment work for you?
- 21Will Medicare IRMAA impact you?
- 22What does long-term care look like for you, and how does it fit into the overall plan?
The Rothification Method™ helps maximize your legacy and protect your loved ones from higher taxes, keeping more in the family and less with the IRS.
- 23What happens to your income, tax rate, and Medicare costs the day one of you passes away?
- 24How do you pass on a legacy to your kids or family instead of a tax problem?
- 25What is your legacy goal, and does the current plan actually support it?
Week 4
Alignment
A 7 to 10 day refining period lets your plan settle in. Follow-up questions get answered, and sometimes components of your plan need to be analyzed or strategized. This wraps up the initial plan set-up and sets the stage for what happens next.
Three Paths Forward
The plan is done. Here's what happens next.
Most Popular
01
Do It Yourself
The plan is yours. You manage the ongoing execution.
Most Popular
02
Take It to Your Advisor
Take the plan to your advisor. Hopefully they follow through.
Most Popular
03
Done For You
Continue with MOKAN.
Phase 2
Ongoing relationship
Optional
1.0–1.5%
Wealth Management
The Retire Ready Roadmap™ is a living plan. It needs ongoing attention to maximize your retirement. Tax planning, investment management, Roth conversions, and IRMAA monitoring are handled for you. You focus on living the retirement you built.
Week 6
Implementation and Onboarding
Your plan gets implemented account transfers, Roth conversions, investment reallocation, and withdrawal sequencing, all set up around your numbers and your timeline.
Week 10
30 Day Check-In
A short touchpoint to make sure everything is running smoothly and early questions are answered.
Ongoing
Ongoing Strategy
Quarterly phone calls and two formal semi-annual strategy visits to make sure the plan is working and nothing is falling through the cracks.
Built for couples at this exact stage.
You've saved consistently in your 401(k) and IRA. The Retire Ready Roadmap™ is built for one specific stage of retirement, not every one. Here's how to know if it's yours.
You're married and planning together
You and your spouse want one coordinated retirement plan, not two separate accounts.
You're age 50 or older
You're close enough that decisions now, especially Roth conversions, still have time to pay off.
You have $2 million or more saved
You've built substantial savings in your 401(k)s and IRAs, and want a plan that protects it from taxes, not just grows it.
You're retiring within the next 10 years
You want a tax-first plan for your withdrawal sequence and retirement paycheck while there's still time to act.
Sound like you? Here are the questions couples ask most before getting started.
FAQ
The questions asked most often.
Nine tax surprises sit inside a traditional retirement that almost nobody warns you about. Your Retire Ready Roadmap™ answers 25 questions with your specific numbers, across all five areas: your Roth conversion timeline, your withdrawal sequence, your Social Security timing, your Medicare IRMAA strategy, and your legacy coordination. All built around your specific numbers, not a template.
Not necessarily. The $4,500 plan is built independently. Ongoing wealth management requires account management. You choose your level of involvement.
From your Strategy conversation to your alignment visit, expect about four weeks.
The plan is done, and there are three paths forward: manage it yourself, hand it to your existing advisor and hope they follow through, or continue with MOKAN for done for you execution and ongoing wealth management.