Retirement Planning
Tax-first retirement planning for 401(k) and IRA millionaires.
If most of what you've saved for retirement sits in a 401(k) or an IRA, taxes are the single biggest variable standing between what you've built and what you actually get to keep. Your retirement plan gets built around that fact first, then your income, investments, healthcare, and legacy fit around it, not the other way around. Clients are served nationwide from the Overland Park, Kansas office, with deep roots across the Kansas City metro.
Who This Is For
You've Saved Well. Now Someone Needs to Plan for the Taxes.
This page is built for married couples in their 50s and 60s with $1 million or more saved in 401(k)s and IRAs, who are within about ten years of retirement and starting to wonder what taxes will do to the income they've spent decades building.
Most of what you've saved sits in accounts you've never paid tax on. Uncle Sam has been a silent partner in your 401(k) and IRA the whole time, and he's waiting to collect.
No one's ever walked you through what that means at tax time: what your required minimum distributions will look like, how your Social Security gets taxed, or how one large withdrawal can push you into a higher bracket or trigger IRMAA surcharges on your Medicare premiums.
Your financial advisor talks with you about investment returns and market performance. Very few advisors sit down and talk with you about the tax bill that's been building since your first payroll deduction.
You know retirement is within reach, roughly a decade out, and the decisions you make in these next few years, especially around Roth conversions, will shape how much of your own money you actually get to keep.
If that sounds like your situation, this is exactly who the Retire Ready Roadmap™ was built for.
How It Works
A Tax-First Plan, Built and Then Put to Work
Here is the short version of how a Retire Ready Roadmap™ comes together. For the full step-by-step timeline, including what to expect at each visit, see Planning Process.
Step 01 · One-Time
Your Retire Ready Roadmap Gets Built™
Using the Rothification Method™, a tax-first retirement plan gets built around your specific income, Social Security timing, healthcare, investments, and legacy, detailed enough that you could run it yourself if you chose to. This is a one-time plan build, not a subscription you're locked into.
Step 02 · Ongoing · Optional
Your Plan Gets Put to Work
If you decide to move forward, your accounts transfer to MOKAN Wealth, with every transfer detail handled while you approve every step.
- Roth conversions begin on the schedule your plan calls for
- Your retirement income and Social Security strategy goes live
- Healthcare and legacy pieces are coordinated alongside it
Step 03 · Ongoing
Your Plan Gets Monitored and Adjusted
Retirement doesn't hold still. Regular strategy visits and check-ins keep your Roadmap aligned as your life, the markets, and the tax code change around it. Your plan gets monitored, adjusted, and updated for as long as the relationship continues, not handed to you once and forgotten.
FAQ
Frequently Asked Questions
- This fits married couples within 10 years of retirement with $2 million or more saved in 401(k)s and IRAs. You did everything right, and now you want to keep what you built and pay as little as possible to Uncle Sam. Most clients arrive after a previous advisor managed the portfolio but never touched the tax bill.
Next Step
Ready to Keep More of What You've Built?
If you and your spouse have $2M or more in investable assets, a tax-first retirement plan helps you keep more of it, year after year.
Areas Served
Serving Clients Nationwide, With Local Expertise Across Kansas City
401(k) and IRA millionaires across the country are served here, based in Overland Park, Kansas, with deep roots in Johnson County communities including Olathe, Lenexa, Leawood, Prairie Village, Shawnee, and Mission. If you're local to the Kansas City metro, find your community below.