Retiring with $500k+?Most investors overpay taxes in retirement without realizing it.
Not because they made bad investments. Because no one built a tax-aware withdrawal strategy, Roth conversion plan, and income sequence before retirement arrived.
Focused first step • No long-term commitment required
What you’ll get
A clear tax-aware next step
What this is
A focused planning session
What this isn’t
A vague intro call
The problem
Retirement tax problems usually build quietly for years before they show up as RMD pressure, higher Medicare premiums, and avoidable taxes.
Who this is for
Households with meaningful retirement assets who want tax strategy and investment decisions coordinated together.
Why clients come to Kenai
Most retirees have an investment portfolio. Far fewer have a retirement income strategy that coordinates taxes, Roth conversions, RMD sequencing, Social Security timing, and spending withdrawals in one place.
Credentials
Passed CFP® exam 2009
Fee-only fiduciary planning and advice.
Approach
Tax-integrated planning
Retirement strategy built around taxes, not separate from them.
Why the $150 session exists
This is a focused first step for people who want professional analysis without jumping straight into a full planning relationship.
What happens in the appointment
A professional diagnostic of where retirement taxes may be hiding
This is not a generic consult and it’s not a “get to know you” call. It’s a focused working session.
Flat fee
$150
In the session, we may evaluate:
• Tax buckets and account structure
• Roth conversion opportunities
• Future RMD pressure
• Withdrawal sequencing
• Concentration or allocation concerns
Best suited for:
• Households with $500k+ saved for retirement
• People near retirement or already retired
• Investors who want tax and investment strategy coordinated
• Those open to professional guidance, not just stock tips
Price framing
Comprehensive retirement plans often cost $2,500–$3,000+.
This session is designed as a focused first step — giving you actionable clarity on your biggest tax and retirement decisions without committing to a full plan.
Flat fee: $150.
What goes wrong without a strategy
Good savers still end up with avoidable tax problems
What most people were told
Save consistently, max the 401(k), and defer taxes as long as possible.
What often happens later
Forced income, bracket creep, Medicare premium surprises, and less flexibility than expected.
The issue usually isn’t the investment account itself. The issue is that no one coordinated how and when income will show up later in life.
Next
Book your $150 virtual appointment
45 minutes • Focused planning review • Clear next steps
Not individualized advice until formally engaged. No products sold. No commissions.
