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MOKAN Wealth

Raymore, MO

Retirement Planning in Raymore

Raymore is growing faster than any city on this list, up 15.8% since 2020, and many new residents arrive at or near retirement age. That makes Cass County's senior property tax credit your first local question. Since January 2026 it's continuous, no annual renewal once enrolled. If you're new or turning 62, you still have to enroll in person, during a specific window.

Why Raymore

Planning built for Raymore retirees

Cass County · about 30 minutes southeast · I-49 at 58 Highway

On January 8, 2026 the Cass County Collector of Revenue announced that under Ordinance 26-01 the County Commission had eliminated the annual renewal requirement for the Senior Citizen Property Tax Credit, authorized by Missouri Senate Bill 190 in 2023 and implemented in 2024. The Collector reported nearly 10,000 households enrolling in the first year and roughly 12,000 senior households in the program by then.

Raymore-Peculiar R-II is the school district serving Raymore, with 6,332 students and 447.28 full-time-equivalent teachers across 12 schools in 2024-25 per federal data, headquartered in neighboring Peculiar. The City of Raymore has participated in Missouri LAGERS since January 1990 under the L-6 benefit program, with 95 active members at June 30, 2020.

Raymore's own financial reports could not be retrieved for this page, so the two cards below rely on federal education data and on LAGERS' published schedule of participating employers.

Raymore-Peculiar R-II School District

6,332 students and 447.28 full-time-equivalent teachers across 12 schools in 2024-25, serving Raymore and Peculiar from a Peculiar headquarters. District employees are in Missouri's public school retirement systems.

City of Raymore

A LAGERS employer since January 1990 under the L-6 benefit program, with 95 active members at June 30, 2020 per LAGERS' annual report. A political subdivision pension under RSMo 143.124, subtracted up to $48,967 for 2026.

Missouri Taxes

Cass County's senior credit and Missouri tax in Raymore

Missouri income tax law as of tax year 2026 · verified August 2026

The Cass County Senior Citizen Property Tax Credit freezes your homestead's real property tax at the amount owed the year you first enroll. Under Ordinance 26-01, effective January 2026, enrollment is continuous until cancelled. You must be 62, own the home, and live there; claim it with the county, not the Missouri return.

Missouri's income tax rules are the same in Raymore as anywhere. Social Security is subtracted from age 62. A Ray-Pec or city LAGERS pension is subtracted up to $48,967 for 2026, less any Social Security exemption; a private 401(k) gets the $6,000 exemption that ends at $38,000 of Missouri AGI married filing combined. The rate is 4.7% for 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 · Cass County Collector, Ordinance 26-01

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?

01

Age 50+ and within 10 years of retirement

02

$2M or more saved, mostly in 401(k)s and IRAs

03

Ready for a tax-first approach to retirement planning

How it works

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.

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.

01

Do It Yourself

The plan is yours. You manage the ongoing execution.

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

Done For You

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.

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

Belton shares Raymore's Cass County credit and Collector; Grandview and Lee's Summit are the Jackson County cities just north, where the county program differs.

Common Questions

Retiring in Raymore: common questions

  • You're enrolled in Cass County's senior property tax credit in Raymore. Do you still have to renew every year?

    Not anymore. On January 8, 2026, the Cass County Collector announced that under Ordinance 26-01, currently enrolled seniors no longer file a renewal. It's now a continuous credit until cancelled. The credit was authorized by Missouri Senate Bill 190 in 2023 and implemented in Cass County in 2024. This applies to existing enrollees only; new applicants still enroll in person.

  • You're moving to Raymore at 63. When can you enroll in the Cass County senior credit?

    During the Collector's open enrollment window, in person. The Collector announced on July 22, 2026 that 2027 enrollment runs April 12 through July 9, 9 a.m. to 3 p.m., at Mill-Walk Mall in Harrisonville. New applicants only. Bring a government photo ID, a utility bill or Cass County voter ID, and trust or LLC documents if the home is held in one.

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.