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Grandview, MO
Retirement Planning in Grandview
Grandview sits on the south edge of Kansas City against the Cass County line, and a large share of its working households earned their retirement savings across the state line in Johnson County. That raises a question almost every state-line retiree asks and almost no one answers correctly: once you stop working, can Kansas still tax the 401(k) you built there? Federal law says no. 4 U.S.C. §114 bars any state from taxing the retirement income of a non-resident, and Grandview is a Missouri address.
Why Grandview
Planning built for Grandview retirees
Jackson County · about 25 minutes east · I-49 at Main Street
Grandview C-4 School District serves Grandview and parts of south Kansas City and Lee's Summit, a boundary the district describes as home to about 32,000 people. Federal data for 2024-25 puts it at 3,665 students, 259.54 full-time-equivalent teachers, and 475.43 total staff across nine schools. Its employees participate in Missouri's public school retirement systems.
The City of Grandview has participated in Missouri LAGERS since July 1971 under the LT-5 benefit program with normal retirement at 65, with 182 active members at June 30, 2020 per LAGERS' own annual report. Both the district and the city are on the public side of RSMo 143.124; the Johnson County employers where many residents spent their careers are not.
Grandview's own financial reports could not be retrieved for this page, so the two employer cards below rely on federal education data and on LAGERS' published schedule of participating employers rather than on a city employer table.
Grandview C-4 School District
3,665 students, 259.54 teachers, and 475.43 total staff in 2024-25 across nine schools, serving Grandview and parts of south Kansas City and Lee's Summit. Staff are in Missouri's public school retirement systems.
City of Grandview
A LAGERS employer since July 1971 under the LT-5 benefit program, with normal retirement at age 65 and 182 active members at June 30, 2020 per LAGERS' annual report. A political subdivision pension under RSMo 143.124.
Missouri Taxes
Retiring to Grandview with a Kansas-built retirement account
Missouri income tax law as of tax year 2026 · verified August 2026
4 U.S.C. §114(a) provides that no state may impose an income tax on any retirement income of an individual who is not a resident or domiciliary of that state, and subsection (b) defines retirement income to include IRAs, 401(k) plans, and governmental plans. A Grandview resident drawing on a Johnson County 401(k) owes Kansas nothing on it. Missouri is the only state with a claim.
Missouri's claim is specific. A private 401(k) or IRA gets the $6,000 exemption under RSMo 143.124.3, removed by $38,000 of Missouri AGI for married filing combined. A Grandview C-4 or city LAGERS pension is subtracted up to $48,967 for 2026, less any Social Security exemption. Missouri's rate is 4.7% for tax years 2025 and 2026.
- Missouri top rate, TY2026
- 4.7%
- Capital gains subtraction, TY2025+
- 100%
- Public pension cap, TY2026
- $48,967
Sources: Missouri DOR pension FAQ · RSMo 143.124 · DOR 2025 legislative changes · 4 U.S.C. §114 · Grandview C-4, Our District
Tax figures on this page are current as of the dates shown and are provided for general education only. Kansas and Missouri retirement tax rules changed in 2024 and 2025, and several of these figures are adjusted annually for inflation or depend on future revenue triggers. Nothing here is tax, legal, or investment advice. Confirm your own situation with your tax professional before acting.
Who We Help
Is this you?
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Age 50+ and within 10 years of retirement
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$2M or more saved, mostly in 401(k)s and IRAs
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Ready to delegate planning to a fiduciary team
What to Expect
Your Retire Ready Roadmap™
The traditional advisor manages your portfolio, not your tax bill. Your tax-first retirement plan connects income, investments, healthcare, and legacy into one coordinated system, built to keep more of what you saved, before you commit to anything.
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Your Tax-First Retirement Plan
Your Retire Ready Roadmap™ gets built: a complete retirement plan covering your income, taxes, healthcare, investments, and legacy. The Rothification Method™ drives the tax strategy, so you keep more of what you built.
1st commitment · One-time financial plan creation
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Your Plan, Put to Work
Once you decide to move forward, your Retire Ready Roadmap™ gets executed and every transfer detail gets handled for you. Nothing moves until you approve each step, so you stay in control from day one.
2nd commitment · Work with MOKAN ongoing
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Your Plan, Kept Current
Your plan keeps working as life, markets, and tax laws change. Regular check-ins adjust your strategy and keep you ahead of anything that could affect what you keep.
Client Reviews
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.
Nearby
Retirement planning nearby
Kansas City is Grandview's Jackson County neighbor to the north; Belton and Raymore are the Cass County cities immediately south, with a different county senior credit.
Common Questions
Retiring in Grandview: common questions
I built my 401(k) working in Overland Park and retired to Grandview. Can Kansas still tax my withdrawals?
No. Federal law settles it: 4 U.S.C. §114(a) says no state may impose an income tax on any retirement income of an individual who is not a resident or domiciliary of that state, and subsection (b) expressly includes IRAs, 401(k) plans, and governmental plans. Once you are a Missouri resident, Kansas has no claim on the withdrawals regardless of where the account was funded. Missouri taxes them under RSMo 143.124 instead.
The City of Grandview has been in LAGERS since 1971. How does Missouri treat a city pension from that long a history?
The same as any political subdivision pension, whatever the vintage. LAGERS' annual report lists Grandview as a participating employer since July 1971 under the LT-5 program — notable because LT-5 sets normal retirement at 65, later than the L-6 program most metro cities use — with 182 active members at June 30, 2020. A city pension earned under either program is government-provided income to Missouri, eligible for the public pension subtraction capped at $48,967 for 2026.
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.