Retirement Planning Services in Wichita, KS

Retirement isn't a finish line—it’s a phase of life that needs as much planning as any business expansion or major career move. And in Wichita, where many folks own businesses, work union trades, or move between corporate and freelance work, no two retirement stories look the same.


Straight Talk CPAs offers retirement planning services that make sure your money, taxes, investments, and lifestyle plans are all working together. Whether retirement is five years out or fifteen, it’s never too early—or too late—to start planning smart.

Build Your Exit Strategy Before You Clock Out

There’s more to retirement than saving into a 401(k). Straight Talk CPAs looks at the whole picture:

  • How much will you need—and when?
  • What tax advantages are you leaving on the table?
  • How can Social Security and Medicare play into your plan?
  • Are your investments positioned to generate income or just grow?
  • Is your business part of your exit plan?

Here’s what’s typically included:

  • Retirement income projections based on real numbers
  • Tax strategy for withdrawals, rollovers, and distributions
  • Timeline planning for early retirement, delayed Social Security, or part-time work
  • Roth conversion scenarios and required minimum distribution (RMD) prep
  • Strategy sessions on downsizing, relocating, or selling a business
  • Coordination with investment and estate planning professionals

This isn’t about guessing a number. It’s about shaping your future with clarity, control, and confidence.

What You Get With Our Retirement Planning Services

Case Study: Retiring Without Regrets in Riverside

Marcia, a 59-year-old ER nurse in Wichita, had been saving for retirement but didn’t feel confident about her numbers. Her 403(b), HSA, and pension felt disconnected—and taxes were a big unknown.



What Straight Talk CPAs did:

  • Reviewed all savings vehicles and projected retirement income
  • Created a retirement start-date plan tied to Medicare enrollment
  • Built a tax-smart drawdown strategy using Roth and Traditional funds
  • Recommended changes to current contributions and asset allocations
  • Helped her understand how early retirement would affect Social Security

Now: Marcia’s set to retire at 62—not 65—with a plan that feels more like a win than a risk.

Who We Help in Wichita

From Eastborough to Delano, clients come to us for retirement planning that connects the dots between financial independence and peace of mind.

Our clients often include:

  • Professionals retiring from aviation, energy, and health systems
  • Business owners creating a succession or exit plan
  • Couples maximizing dual retirement benefits and savings
  • Self-employed workers without a corporate retirement structure
  • Pre-retirees unsure how to make their accounts generate income

Whether you're rolling over a pension or building retirement from scratch, the goal is the same: make your money work when you're ready to stop.

FAQs

  • When should I start retirement planning?

    Today. Even if you’re years away from retirement, early planning means more options—and fewer surprises later.


  • Can you help with pensions or Social Security planning?

    Definitely. We help clients evaluate options, timelines, and tax impact for Social Security, pensions, and early retirement buyouts.


  • What if I’m behind on retirement savings?

     It’s more common than you think. We’ll help you focus on what you can control now, including tax efficiency, catch-up contributions, and expenses.


  • Do you offer investment management too?

    Yes, but only if it supports your broader plan. Strategy comes first—then, if needed, we help manage assets or coordinate with your advisor.