The MOKAN Roadmap™

Retirement planning is daunting, but when done well, it can lead to years of peace and fulfillment. The MOKAN Roadmap is designed to help more hard-working Americans achieve this feeling in retirement.

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

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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. Implementation

After you decide to partner with MOKAN Wealth, we’ll coordinate your investment, tax, and income plan. It’s easy and painless—we take care of the details.

4. Service and Support

You start your MOKAN Wealth journey by establishing a communication plan with your financial advisor and aligning your plan with the ongoing service calendar. New client experience steps will be identified for the next 365 days.

5. Maintenance

MOKAN Wealth will continually oversee and optimize your retirement plan. Regular check-ins and adjustments throughout the year will ensure continuous progress.

Frequently asked questions

Where is my money held?

We, along with 3,000 other advisors, have partnered with Altruist to act as custodian for client assets. This partnership provides us access to a wide range of services to help serve our clients.

How is MOKAN different from other firms?

There are three important things that separate our firm from others:

- We only take on a limited number of clients. This means you’ll always get remarkable service and extremely personalized recommendations for your finances.

- We are retirement and tax planning experts for people aged 50+. Just like a Cardiologist would not perform foot surgery, we remain highly specialized and only work with retirement savers we have the expertise to help.

- We are a fiduciary. Fiduciary is a fancy word that has a simple (and important!) meaning… we don’t get paid to steer you into buying overpriced investment products you don’t want or need.

What types of people do you typically work with?

We work with people from all walks of life. That said, we are a business, and to remain viable, we must receive compensation. We do our best work with:

-Retirement investors age 50+ who are retired or within 10 years of retirement
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- Diligent savers who have accumulated $1M-$5M in retirement savings. These assets can be brokerage, IRA, 401(k), 403(b), option accounts, and more.
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- 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.

-Most importantly, genuinely nice people. We value kindness and mutual respect. We’ve built MOKAN Wealth by working with clients who are nice people and want to place their trust in us.

What services do I get for your fee?

We provide retirement planning, investment management, Social Security Timing, Tax Planning, Income Planning, insurance review, and estate planning.

How much do your services cost?

We charge a fee that’s a percentage of the value of the investments we manage, which is debited directly from your account:

Our transparent fee, 1.0%-1.60%, includes ongoing retirement and tax planning + management of all investment accounts.
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One Time Financial Plan Creation: $2500, due at the end of the Planning “2nd Visit”

What is your investment philosophy?

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

Do you offer proactive tax planning?

Yes! Your CPA is excellent for what happened last year. At MOKAN, we believe taxes could be your largest lifetime expense. We look at tax strategies to optimize your spending and saving for tax efficiencies. You (or your CPA) will still be responsible for filing your return.

Still have questions?

Get in touch

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:

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Fee-only Services

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:
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- 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 50 years old, who are retiring soon

Retirement investors age 50+ who are retired or within 10 years of retirement

Diligent savers with $1-5M 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.