Retirement Planning Services in Kansas City, MO
Retirement isn't just about stopping work—it's about having the financial clarity to choose what comes next. Whether you're a business owner preparing to exit or an executive planning the transition, Straight Talk CPAs offers retirement planning services in Kansas City, MO to help you retire with purpose and precision.
From optimizing withdrawals to structuring business exits, our strategies are built around long-term peace of mind—and tax efficiency every step of the way.
Smart, Forward-Focused Planning for Your Next Chapter
Whether you're 15 years out or already nearing the exit, our Kansas City retirement planning services are designed to evolve with your goals:
- Exit strategy support for business owners
- 401(k), SEP, and Solo 401(k) contribution planning
- Withdrawal sequence planning to reduce tax impact
- Roth conversion timing and tax bracket management
- Retirement income forecasting and risk analysis
- Coordination with estate and investment advisors
One local engineering firm with five partners used our services to design staggered retirement packages over an eight-year timeline. By structuring partial exits and leveraging deferred comp plans, the firm reduced its combined tax liability by $213,700 and retained operational continuity during the transition.
Services That Support Your Transition
The best retirement plans don’t just focus on savings—they focus on how much of that savings you get to keep. That’s why our retirement planning services are rooted in deep tax expertise and forward-looking strategy.
A Kansas City-based operations executive earning $460,000 annually approached us with questions about his 401(k), stock options, and retirement timeline. After a full review, Straight Talk CPAs helped him:
- Set up a backdoor Roth IRA strategy
- Adjust his deferred compensation plan for optimal tax timing
- Map out a 10-year withdrawal roadmap
- Save $28,640 in estimated taxes over the next 24 months
That’s not just retirement planning—it’s proactive wealth preservation.
Tailored Retirement Planning With a Tax Lens
Case Study: Retiring Without the Guesswork
A Kansas City couple—a hospital department head and a partner at a regional law firm—came to Straight Talk CPAs with over $5.2M in combined assets and no unified retirement plan. Their accounts were spread across six custodians, and both had inconsistent retirement age targets.
Our team created a coordinated plan that included:
- Consolidation of assets into three efficient accounts
- Mapping the impact of retiring at 60 vs. 65
- Scheduling partial Roth conversions over five years
- Coordinating with their estate attorney to set up legacy protections
The result? More control, more clarity, and a projected $119,750 in tax savings over the first 10 years of retirement.
“We weren’t short on savings—we were short on strategy. Straight Talk CPAs helped us plan the exit as carefully as we built our careers.”
Explore Our Other Services in Kansas City, MO
List of Services
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Accounting ServicesKansas City Accounting Services
Straight Talk CPAs offers accounting services in Kansas City, MO, built for clarity, growth, and peace of mind—combining cloud-based tools with expert, human support.
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CPA ServicesKansas City CPA Services
Straight Talk CPAs offers virtual CPA services in Kansas City, MO, helping businesses save on taxes, plan with confidence, and grow strategically—all with expert guidance and no surprises.
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Business Tax Planning ServicesKansas City Business Tax Planning Services
Straight Talk CPAs offers expert tax planning services in Kansas City, MO, helping established businesses reduce liability, optimize growth, and gain a strategic advantage with advanced tax advisory support.
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Business Tax Preparation ServicesKansas City Business Tax Preparation Services
Straight Talk CPAs offers tax preparation services in Kansas City, MO—delivering precise, audit-ready filings and strategic insight to help established businesses stay compliant and in control.
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CFO ServicesKansas City CFO Services
Straight Talk CPAs offers virtual CFO services in Kansas City, MO, helping established businesses manage growth, plan strategy, and improve financial performance with executive-level financial oversight.
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Bookkeeping ServicesKansas City Bookkeeping Services
Straight Talk CPAs offers virtual bookkeeping services in Kansas City, MO—keeping your finances accurate, up to date, and easy to understand so you can focus on running your business.
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Accounts Payable ServicesKansas City Accounts Payable Services
Straight Talk CPAs offers accounts payable services in Kansas City, MO—streamlining invoice processing, improving vendor relationships, and giving established businesses clear oversight and control over their payables.
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Investment Advisory ServicesKansas City Investment Advisory Services
Straight Talk CPAs offers investment advisory services in Kansas City, MO—helping high-income earners and business owners align their portfolios with smart, tax-efficient strategies that support long-term success.
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Wealth Management ServicesKansas City Wealth Management Services
Straight Talk CPAs offers wealth management services in Kansas City, MO, helping high-income individuals and business leaders optimize taxes, plan for the future, and align financial decisions with long-term goals.
Who Should Consider Retirement Planning With Straight Talk CPAs?
- Executives or business owners with $350,000+ in annual income
- Professionals managing complex compensation packages
- Households with 401(k), Roth, HSA, and investment mix
- Anyone nearing retirement who wants clear, tax-smart steps
- Families planning to integrate retirement and legacy goals
Whether retirement is five years away or right around the corner, our team builds a detailed, flexible path that grows with you.
FAQs
What age should I start retirement planning?
The earlier the better—but it’s never too late. We support clients starting at any stage with tailored strategies.
Do you help business owners plan their exits?
Yes. We work with owners to plan the sale, succession, or gradual transition of their businesses in a tax-efficient way.
How do you reduce taxes during retirement?
We use timing strategies, account sequencing, Roth conversions, and charitable tools—all custom to your goals and income.
Can you coordinate with my financial advisor or attorney?
Absolutely. We frequently partner with legal and investment professionals to align every part of your retirement strategy.
Are retirement planning services virtual?
Yes. All planning is done remotely, securely, and conveniently around your schedule.
