The Five Seed System™

A retirement planning system specifically for Self-Made 401(k)/IRA Millionaires. Designed to help avoid the 7 tax surprises, spend more in early retirement, and take a complete-picture approach.

Our process goes beyond spreadsheets and pie charts to uncover what really matters—you. It starts with a fit visit where we’ll look at your current finances, discuss your goals, and determine if our services are right for you.

Schedule intro

1. Fit

The Fit Visit is designed for us to get to know one another and understand your retirement vision. If we both agree we are a good fit, then we will begin initiating our planning process.

2. Planning

We’ll create a personalized plan for you. We’ll explain exactly what you can do to improve your retirement plan, lower taxes, and optimize your investments—all in plain English.

3. Action

After you decide to partner with MOKAN Wealth, we’ll implement your Five Seed plan. It’s easy and painless—we take care of the details.

4. Ongoing Service

You start your MOKAN Wealth journey by establishing a communication plan with your financial advisor and aligning your plan with the ongoing service calendar. Regular check-ins and adjustments throughout the year will ensure continuous progress.

The Five Seeds

Taxes

Taxes don’t retire when you do. Let’s keep more of what you’ve saved.

Income

Income you can count on. A plan built to last as long as you do.

Investments

Invest with purpose-not guesswork. Strategies to grow and protect what you've saved.

Healthcare

Understand your healthcare options before 65, after 65, and every step in between—and plan ahead.

Legacy

Keep more in the family, not with the IRS

Self-Made 401(k)/IRA Millionaire

Someone who has built your nest egg the old-fashioned way: by working hard, living below your means, and steadily saving into retirement accounts like a 401(k) or IRA, growing your balance to somewhere between $1 million and $10 million. No inheritance. No business buyout. No lucky break or sudden windfall. Just years of showing up, staying disciplined, and making smart choices when no one was watching.

Getting you to and through retirement is a big responsibility, one that we do not take lightly. We manage the details so you can get back to living your life.

Here’s what MOKAN Wealth can help you with:

Schedule intro

Enjoy your retirement, leave the rest to us.

Retirement Planning

A retirement plan is a living and breathing document. We use 90% strategy and 10% financial tools to build your plan, adjust for life's unknowns, and communicate the results with you in plain English. We will align all moving parts of your financial life to create a successful retirement.

Investment Management

Our firm’s investment strategy carefully allocates between equities (for growth) and fixed income (to reduce volatility) based on individual goals & risk capacity. We focus on your goals, not chasing returns.

When we invest, we focus on three principles: diversify efficiently, favor dividend paying and dividend growth stocks, and systematically manage risk.

As a fiduciary, our job is to make investment decisions that are in your best interest. This means ignoring the daily headlines and sticking with evidence-based solutions.

Social Security Timing

We help you determine the best time to collect Social Security. To do that, we take into consideration how your Social Security benefits will interact with other income sources such as:
‍
- Rental income
- Pensions
- Required Minimum Distributions (RMDs)
- Dividends and interest
- Capital gains
- IRA & 401k Withdrawals

We also factor in family health conditions, spousal benefits, personal preferences, and more. By analyzing your entire financial picture, we are able to choose a Social Security timing strategy that can potentially reduce your tax bill in retirement and optimize your income stream.

Tax Planning

Without careful planning, it's very possible to have a higher tax bill in retirement than as a working professional.

‍Our tax planning services aim to help keep taxes low today and in retirement. We accomplish this through:

- Annual Tax Return Analysis
- Annual Roth Conversions
- Coordination & Timing of Income Streams
- Asset Location
- Charitable Giving Strategies
- Implementing Strategies to help avoid IRMMA

We also stay up-to-date with the ever-changing tax laws to ensure you are taking advantage of every opportunity.

Income Planning

Our approach also takes into consideration your other income sources. Things like Social Security, Pensions, Rental Income, Required Minimum Distributions, and more.

We carefully coordinate an order of withdrawal strategy to help make sure you don't pay more than your fair share of taxes.

Our approach is to advise our clients on how to avoid underspending in retirement by looking at staged or income guardrail strategies.

We pride ourselves on being able to answer the following questions:

- How much can we spend each month (net of taxes)?
- What portfolio value would trigger a spending decline (in dollars)?
- What portfolio value would trigger a spending increase (in dollars)?

Insurance Review

We will conduct a regular review on how health insurance, life insurance, long-term care insurance fit within your retirement plan. Insurance planning can help optimize your retirement plan.

Estate Planning

Our approach to estate planning is simple. Are your estate documents up-to-date, and do they match your wishes? We’ll analyze your current estate plan to ensure your goal are reflected appropriately.

Who we serve

Those over 45 years old, who are recently retired or within 10-15 years of retirement.

Retirement investors age 45+ who are retired or within 15 years of retirement

Diligent savers with $1-10M investable assets

These assets can be brokerage, IRA, 401(k), 403(b), option accounts, and more.

Hard-working people who know they deserve better

People who value expert help because they know their retirement is too important to manage alone. They want to delegate all of their retirement planning and investment management to MOKAN.

See if we’re a good fit.

After a lifetime of saving, it’s time to let your money do all the work. Answer a few questions to see if we should work together and schedule a time to talk.

MOKAN Wealth Management is a registered investment adviser with the SEC and may only transact business with residents of states where the firm is registered or otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. The information on this site is provided “AS IS” and without warranties, either express or implied. To the fullest extent permissible according to applicable laws, MOKAN Wealth Management (referred to as "MOKAN") disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, non infringement, and suitability for a particular purpose. MOKAN does not warrant that the information will be free from error. None of the information provided is intended as investment, tax, accounting or legal advice, as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. This information should not be relied upon for transacting securities or other investments. Under no circumstances shall MOKAN be liable for any direct, indirect, special, or consequential damages that result from the use of, or the inability to use, the materials provided. In no event shall MOKAN Wealth Management have any liability to you for damages, losses, and causes of action for accessing this commentary. Past performance is not indicative of future results.