Question 1

Am I a good fit?

Accepted Answer

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.

Question 2

What's it like to work with MOKAN Wealth?

Accepted Answer

You work with an independent registered investment advisor, held to the fiduciary standard. Fiduciary is a fancy word with a simple (and important) meaning: no one gets paid to steer you into overpriced investment products you don't want or need. Headquartered in Overland Park, KS, but clients are served across the country. You can expect multiple meetings as you get started, then at least twice a year for strategy visits. In between, you'll get weekly educational emails, videos, and touch points, so you're never left in the dark.

Question 3

What services do you offer?

Accepted Answer

Tax-first retirement plans are built here for married couples with $2 million or more in 401(k)s and IRAs. Every service connects to the plan. Nothing is managed in isolation.

Question 4

Do you help with proactive tax planning?

Accepted Answer

Yes. Because taxes do not retire when you do. The Rothification Method™ combines proactive Roth conversion and tax diversification strategies to systematically reduce what Uncle Sam takes from your retirement accounts. Taxes may be the single largest expense in retirement, addressed with tax-first strategies from day one. Your CPA looks back. Your plan looks forward. Tax preparation is based on decisions already made. Tax planning is about the decisions ahead: Roth conversions, RMD strategy, Social Security timing, IRMAA management, and coordinating every piece before the window closes. Your tax return isn't filed here, that stays with you or your CPA. Your CPA stays looped in year-round, so every major financial decision is made with taxes in mind.

Question 5

Where will my money be held? Do I still own the accounts?

Accepted Answer

Your money is held at Altruist, a third-party custodian used by advisors nationwide. The accounts stay in your name, with your advisor given limited authority to manage them on your behalf. Your advisor does not work for Altruist and does not earn commissions.

Question 6

What are your fees?

Accepted Answer

It starts with a plan, not a portfolio transfer. Day 0: Retirement Fit Meeting. A complimentary 45-minute meeting to discuss the retirement decisions in front of you and whether the Retire Ready Roadmap™ is the right next step. Together, we talk through your priorities, explain what the one-time $4,500 Roadmap build includes, and decide whether it makes sense to move forward. Day 21: Retire Ready Roadmap™. The $4,500 one-time fee covers a personalized, tax-first retirement plan built around your goals, income needs, and tax considerations. It works through 25 questions using your specific numbers across five planning areas, designed to address nine common tax surprises.  Ongoing Wealth Management (Optional). Between 1.0% and 1.50% based on assets managed, debited directly from your account. Includes ongoing retirement and tax planning, investment management, and semi-annual strategy visits. When the plan is complete, three options exist. Keep it and execute it yourself. Take it to your current advisor and hope they execute it. Or hand it to the MOKAN team to manage with you. About three out of four clients choose the third option. Once they see everything that goes into a tax-first retirement plan year after year, the Roth conversion decisions, the withdrawal sequencing, the way one tax choice changes the next, they would rather have a team that has done it thousands of times handle it than navigate it themselves with their own retirement on the line.

Question 7

How does transferring my money work?

Accepted Answer

Think of it like moving to a new house. The moving truck comes, everything gets loaded up, and it all moves to your new home. Nothing gets rearranged, sold, or changed until the 3rd Visit when your action plan and Investment Policy Statement are signed. Brokerage and IRA Accounts – Transferred securely through the ACAT system, which moves assets in-kind so your investments stay exactly as they are during the move. 401(k) Accounts – Most 401(k) transfers are handled over the phone through a three-way call with a MOKAN Wealth team member leading the way.

Question 8

Does Kyle oversee every client?

Accepted Answer

No. Kyle does not personally oversee every client, but every plan follows the same high standards and framework he established. Each client is supported by a dedicated team including a CFP® financial planner, a planning team, and a service and support team member, all trained through MOKAN's internal program to deliver a consistent, personalized experience rooted in MOKAN's planning philosophy.

Question 9

Can you work with me virtually, anywhere in the U.S.?

Accepted Answer

Yes. Married couples across the country work this way. All meetings can be conducted virtually, and the entire Retire Ready Roadmap™ process is built to work remotely from start to finish.

Tax-First Retirement Planning.

Your Retirement Plan Needs More Than a Diversified Portfolio

What Couples Say After Switching to Tax-First Planning

Questions Every Couple Should Answer Before Retirement

Start with a plan, not a portfolio transfer.

Retirement Fit Meeting

Build Your Plan

Put Your Plan to Work

From Kyle's Kiplinger column

Frequently Asked Questions

Serving Overland Park, Kansas City, and Clients Nationwide

Two Books, One Tax-First Strategy

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