Taxes Touch Every Decision. Most Retirement Plans Ignore That.
The traditional financial advice model wasn't designed for you. If you're within 10 years of retirement with most of your savings in 401(k)s and IRAs, you need a tax-first plan. One that makes your spending, income, and taxes work together, not just your portfolio.
“I started MOKAN Wealth after years of watching people get handed a risk tolerance questionnaire and a pre-built model, then told that was their plan. I wanted to build a firm small enough to know your name and precise enough to plan around your taxes, your income, and your timeline. Not just your account balance.”
Kyle Hammerschmidt
Founder
The MOKAN Difference
What you get with a tax-first approach. Most advisors stop at the portfolio. You need a plan that covers the taxes, too.
Retirement Income Projections
Investment Management
Tax-Loss Harvesting and Rebalancing
Strategic Withdrawal Sequencing
Tax Bracket Management in Retirement
Roth Conversion Strategy (the Rothification Method™)
Medicare and IRMAA Planning
Household Social Security Optimization
Legacy and Estate Coordination
Survivor Spouse Planning
Advice Across All Your Assets, Not Just What's Managed
Proactive Personalized Advice
Retirement Income Projections
Investment Management
Tax-Loss Harvesting and Rebalancing
Strategic Withdrawal Sequencing
Tax Bracket Management in Retirement
Roth Conversion Strategy (the Rothification Method™)
Medicare and IRMAA Planning
Household Social Security Optimization
Legacy and Estate Coordination
Survivor Spouse Planning
Advice Across All Your Assets, Not Just What's Managed
Proactive Personalized Advice
What Clients Say About Working With MOKAN
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. Reviewers are clients. These selected reviews may not represent all client experiences.
Meet your team
Retirement planning is the only thing this team does for you.
Kyle Hammerschmidt
Founder
Founder of MOKAN Wealth, Kyle helps 401(k) and IRA millionaires retire with confidence through a tax-first Retire Ready Roadmap™.
Megan Ramshaw, CFP®
Head Financial Advisor
A CFP® professional, Megan leads client planning, coordinating income, tax strategy, and investments into one retirement plan.
Megan Harris
Head of Operations & Client Experience
Megan supports clients day-to-day, handling the details so every retirement plan runs smoothly.
Rachel Hunt
Service & Planning
Rachel works alongside the team to keep client relationships and planning moving smoothly.
Tyler Tomlen
Paraplanner
A paraplanner and member of the MOKAN Wealth planning team. He works behind the scenes to support the research, analysis, and preparation that goes into every client plan, helping ensure your Retire Ready Roadmap™ is built with the detail and care it deserves.
You know what you want. Here's what you get.
01
You want a relationship, not a transaction.
You're not a number. You're one of a limited number of households. Your plan gets attention as your life evolves.
02
You want answers, not jargon.
Your plan doesn't need to be complicated. You get plain-language explanations and clear steps. You know what to do and why.
03
You want to pay less to Uncle Sam, not discover the damage at tax time.
Most retirement tax surprises are predictable. Through the Rothification Method™, you get proactive Roth conversions and tax diversification that help you pay less over time.
04
You want to spend more early, not die with the biggest balance.
You saved enough to retire. Now you can plan how to spend it. Your plan front-loads spending for your healthy, active years. You enjoy them without draining what you need later.
Start with a plan, not a portfolio transfer.
You've saved for decades in 401(k)s and IRAs, and the taxes on that money haven't been paid yet. A Retirement Fit Meeting gives you a clearer picture of how taxes may affect your retirement income, even if you decide not to move forward.