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.”

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.