Are you preparing to retire within the next few years and wondering:

Will my money last?
What will I do about health insurance or Medicare?
When should I take Social Security?
Are there any strategies to save on taxes?
Should I do Roth conversions?
Are my investments structured to meet my goals?

At Prosperity Planning, we will help you answer these questions and more.

Why Pre-Retirees Choose Prosperity Planning

Pre-Retiree Couple and Financial Advisor

Personalized Retirement Guidance

Thoughtful retirement planning starts with understanding what matters most to you. We tailor our guidance around your priorities, values, and long-term goals.

Tax-Efficient Retirement Planning

We help pre-retirees identify proactive tax strategies designed to improve long-term flexibility and help keep more of their savings working for them.

Couple Planning Their Retirement Strategy

Long-Term Fiduciary Partnership

As a fee-only fiduciary firm, we build long-term relationships focused on helping clients adapt through life’s transitions and financial changes.

Retirement Comes With Big Decisions. You Don’t Have to Navigate Them Alone.

The years leading up to retirement often bring important financial decisions around taxes, healthcare, investments, and retirement income. We help clients navigate those decisions with planning designed to support the life they want to build.

Our Retirement Planning Process

From discovery to implementation, we guide you through each step with personalized financial planning tailored to your life.

Step One: Schedule a Complimentary Discovery Call

Schedule a complimentary 30-minute discovery call to discuss your goals, financial priorities, and the questions that come with planning for the future. We’ll learn more about your needs, answer questions, and share how our team may be able to help.

Step Two: Data Gathering

Once we determine there may be a good fit, we’ll gather important financial information such as account statements, tax returns, pay stubs, insurance policies, and other planning documents to help us better understand your complete financial picture.

Step Three: Retirement Preview Meeting

Together we look at scenarios to envision your future in a highly interactive and visual way. For example, we help you evaluate scenarios such as:

What if you buy a second home?

What if the markets take a sudden decline?

How long will your money last?

Step Four: Recommendation Meetings

Over the course of 1-2 meetings we provide written, detailed, and actionable recommendations that cover your investments, tax savings, insurance, estate plan, withdrawal strategy, and more. Our focus is on minimizing risks, capitalizing on opportunities, and giving your retirement the greatest probability of success.

Step Five: Proactively Implement and Adjust

Recommendations are not where our service ends, it’s where it starts. As your trusted long-term partner through and during retirement, we will regularly meet at least 1-2 times per year to assist you in implementing our recommendations and adjusting when goals, laws, or your situation changes.

Retirement Planning for Pre-Retirees in Kansas City and Nationwide

For more than 20 years, Prosperity Planning has helped individuals and couples prepare for retirement with relationship-focused financial guidance. With clients in Kansas City and across the United States, our team provides retirement planning guidance both in person and virtually.

From retirement income and tax planning to Medicare, investments, and long-term financial strategy, we help clients navigate important decisions with planning designed to support the life they want to build in retirement.

Questions We Commonly Hear From Pre-Retirees

Why Work With a CFP® Professional?

Becoming a CERTIFIED FINANCIAL PLANNER® professional requires meeting extensive professional and ethical standards, including a fiduciary commitment to act in clients’ best interests.

CFP® professionals are trained to look at the bigger picture — not just individual accounts or investments. Retirement planning often involves many moving pieces, and a CFP® professional can help bring those decisions together within the context of your overall goals and long-term priorities.

At Prosperity Planning, our fee-only CFP® professionals take a relationship-focused approach to planning, helping clients navigate retirement with guidance designed around their full financial picture and the life they want to build.

Can You Tell Me How Much I Should be Saving Each Month for Retirement?

There’s no one-size-fits-all answer. The right savings strategy depends on factors like your age, retirement timeline, lifestyle goals, current savings, income needs, and other financial priorities. We help clients evaluate whether their current savings approach supports the type of retirement they envision.

Can You Help Me Understand If I’m Ready to Retire?

Yes. Retirement readiness involves more than reaching a certain account balance. We help clients evaluate income sources, spending needs, healthcare planning, taxes, investments, and long-term goals to better understand whether they feel financially prepared for retirement.

Do You Offer One-Time Financial Plans?

No. We focus on building long-term planning relationships rather than providing one-time financial plans. Retirement planning evolves over time, and we believe ongoing guidance is an important part of helping clients navigate those changes.

Do You Work With Clients Virtually?

Yes. While our office is based in Kansas City, Missouri, we work with clients both locally and virtually across the United States.

Do You Work for a Fixed-Fee or on an Hourly Basis?

No. Our firm primarily works with clients on an ongoing basis through an assets-under-management arrangement, where the fees are billed directly from the assets. These fees include both investment management and comprehensive financial planning services.
The above listed services require a minimum of $500,000 in investable assets. In certain situations, additional planning fees or other out-of-pocket costs may apply for clients who have not yet reached that minimum.

Do You Receive Incentives for Recommending Certain Investments or Products?

No. As a fee-only fiduciary firm, we are committed to acting in our clients’ best interests and do not receive commissions or incentives tied to product recommendations.

Do You Work With Estate Planning Attorneys and Other Professionals?

Yes. While we do not draft or amend legal documents, we frequently collaborate with estate planning attorneys and other professionals as part of a client’s broader financial planning strategy. In addition to our in-house CPA, our team also maintains a trusted network of professionals we can coordinate with when additional support is needed.

Planning for Retirement

Helping Kansas City pre-retirees navigate retirement with thoughtful, fee-only fiduciary guidance.