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.
Retire Ready Roadmap™
A tax-first retirement plan that connects your income, investments, healthcare, and legacy into one coordinated strategy. You'll see exactly how much you can spend, keep more of your savings, and pay less to Uncle Sam.
How it works
Start with a plan, not a portfolio transfer.
Day 21
Roadmap Review
Your completed Retire Ready Roadmap™ brings your income, investments, healthcare, and legacy into one coordinated strategy.
Your Decision
Three Paths Forward
Your plan is built. Put it into action on your own, share it with your current advisor, or work with MOKAN to keep your retirement, tax, and income planning coordinated over time.
What Your Retire Ready Roadmap™ Walks You Through
- 01When can you comfortably retire?
- 02When is working optional? (What is the earliest age you can retire without changing your lifestyle?)
Connected to Surprise 4: The 1990s Under-Spending Strategy
Without a real spending number and guardrails, most couples default to underspending in the go-go years.
- 03How much can you safely spend each month and stay on track?
- 04What portfolio balance would trigger a spending decrease?
- 05What portfolio balance gives you permission to increase spending?
- 06Which accounts do you spend from first, 401(k), IRA, Roth, or brokerage, and in what order?
- 07Which withdrawal strategy should you use in retirement? (4% rule, staged spending, retirement guardrails)
- 08Should you claim Social Security early and enjoy it in the go-go years, or wait and collect more later?
Connected to Surprise 1: Tax Return and Lifetime Tax ControlConnected to Surprise 2: Taxes on Social SecurityConnected to Surprise 3: Forced Withdrawals from RMDsConnected to Surprise 9: Future Tax Law
The Rothification Method™ combines proactive Roth conversions and tax diversification to reduce your lifetime tax bill.
Your personalized Rothification Method™ will answer:
- 09What does your lifetime tax bill look like with and without Roth conversions?
- 10How much of your Social Security will be taxed, and what can you do before it starts?
- 11When do you start converting, how much do you convert each year, and when does the window close?
- 12Where do the taxes on Roth conversions come from, and how do you handle them?
- 13What will your Required Minimum Distributions be at 75, 80, 85, and 90, and how much goes to the IRS?
- 14What happens to your plan if tax rates go up, and how do you protect against that risk right now?
Connected to Surprise 5: No Tax Diversification and Bad Timing
- 15What return does your portfolio actually need to support your retirement plan?
- 16How does the plan stay protected from a market downturn in the first few years of retirement?
- 17How much should be held in fixed income in your Retirement War Chest, and for how long?
- 18Once the Retirement War Chest is funded, how should the rest of your portfolio be invested?
Connected to Surprise 6: Medicare IRMAA
The Rothification Method™ combines with advanced IRMAA strategies to minimize surcharges, protecting your 401(k) and IRA savings before 65, after 65, and every step in between.
- 19How do you cover healthcare between retirement and age 65 if you retire early?
- 20How does Medicare enrollment work for you?
- 21Will Medicare IRMAA impact you?
- 22What does long-term care look like for you, and how does it fit into the overall plan?
Connected to Surprise 7: The Surviving Spouse Tax IncreaseConnected to Surprise 8: The Burden Your Family Inherits
The Rothification Method™ helps maximize your legacy and protect your loved ones from higher taxes, keeping more in the family and less with the IRS.
- 23What happens to your income, tax rate, and Medicare costs the day one of you passes away?
- 24How do you pass on a legacy to your kids or family instead of a tax problem?
- 25What is your legacy goal, and does the current plan actually support it?
Put Your Plan to Work
Your next steps stay tied to your plan.
Day 30
Implementation and Onboarding
Your account transfers, Roth conversions, investment allocation, and withdrawal sequence are put in place around your numbers and your timeline.
Day 60
30 Day Check-In
A short touchpoint to address early questions as the plan moves into action.
Ongoing
Ongoing Strategy
Quarterly phone calls and two formal semi-annual strategy visits to review the decisions in your plan.
Our Fees
Every number, in one place.
Your Roadmap is a one-time planning engagement. Ongoing service is optional.
Retirement Fit Meeting
$0
A complimentary 45-minute meeting to discuss whether the Retire Ready Roadmap™ is the right next step.
Retire Ready Roadmap™
$4,500
A one-time tax-first retirement plan built around your specific numbers.
Ongoing Relationship
1.0% – 1.5%
Optional ongoing planning and investment management for assets managed.