KJ Financial

KJ Financial Utilizing our Lifestyle Planning Process (LPP) has revealed that Retirement is a simple concept. Haven’t you worked hard to achieve your current lifestyle?

Helping Affluent Professionals Retire Tax Savvy and Live Abundantly by Avoiding the 6-Link Tax Cascade Required Minimum Distributions Their 401(k) & IRA Money Creates! Isn’t the essence of the financial part of YOUR Retirement, really a race to see which lasts longer, your life or your money? Would you like to keep it for the rest of your life? Our LPP is designed to allow you to live the lifestyl

e you want no matter how long you live, and we accomplish it through a unique process utilizing Math, Science and Guarantees* in achieving those goals. Through an ongoing process of reverse engineering the entire retirement planning process, so far, to date we’ve uncovered and exposed…
• The 13 Gaping Holes Traditional Retirement Planning has that are certain to upset your retirement,
• The 11 Costly Dirty Tricks Wall Street, Big Banks, the Government and Media play on all of us, and
• The 11 Little Things that Almost NOBODY has handled that pop up when you can least afford them…

Through our ongoing Retirement Readiness Roundtable Focus Group Dinner Series, we’ve found that no matter how well you think your financial planner has put together your retirement plan, attendees always find several areas where their plan is vulnerable and at risk of failing. If you’d like to test the waters to see if indeed your financial plan is at risk and get to enjoy a small group dinner with other folks wanting to make sure their retirement is all they want it to be, please call my direct line at 816.582.5532 or [email protected] and get your name on the Invitation List so we can find a time when you’re able to join. If you don’t want to wait for an opening in our calendar you can round up four other couples or individuals to join you, we can schedule your own Retirement Readiness Roundtable Focus Group Dinner event.

*Guarantees are backed by the claims paying abilities of the highly related life insurance companies issuing them.

Want to spend more confidently in retirement in Miami, FL? It starts with one real number. Here's the shift most people ...
06/24/2026

Want to spend more confidently in retirement in Miami, FL? It starts with one real number.

Here's the shift most people miss.
The balance on your statement isn't your retirement.
The monthly income it can safely produce is.
And that number is usually a lot smaller than the big one you've watched grow.
The good news:
You can turn the right amount of your savings, just a slice, into a paycheck designed to last as long as you do.
That's Protected Lifetime Income (PLI), and it leaves the rest of your money right where it is, working for you.
Run your number, free, at MaxMyRetirementPaycheck dot com.
Two minutes.

Figures are illustrative and hypothetical, as of 2026, and educational only, not advice.

Here's a question most couples don't get asked.What happens to your taxes the year one of you is gone?The income usually...
06/24/2026

Here's a question most couples don't get asked.
What happens to your taxes the year one of you is gone?
The income usually drops.
You'd think the tax bill would drop with it.
Often it climbs instead.
Here's why.
The day a spouse passes, the survivor moves from joint brackets to single ones.
Roughly half the room disappears.
The same income that sat comfortably for two people can now reach the higher brackets…
And the Medicare surcharge lines for one.
We call it the widow's penalty, and it hits widowers exactly the same way.
It's not about how much they have.
It's about a plan built for two people meeting a tax code built for one.
The good news is couples can see this coming and plan around it while both are still here.
Type RetirementTaxAvalanche dot com into your browser and look at the survivor step on your own numbers.
All illustrative, dated, and yours to look at.
Did you know the survivor keeps most of the income but loses half the room?
Tell me below.

$200K Is Enough to StartThe most common thing I hear from people who don't act on retirement income planning is some ver...
06/24/2026

$200K Is Enough to Start
The most common thing I hear from people who don't act on retirement income planning is some version of this.
"I only have $200,000. Is that really enough to do anything with?"
I want to answer that directly.
Yes.
A Missouri couple both age 60, starting a Protected Lifetime Income strategy today with retirement at 70, can illustratively generate $2,700 a month in guaranteed income from $200,000.
Not $667 a month like the 4% rule. Not $493 a month like the conservative research says is safe.
$2,700 a month. Guaranteed for life.
No matter what the market does.
$200,000 is not a small number dressed up as something bigger. It is a real foundation for a real retirement income floor, when it is structured correctly and started at the right time.
The people who wait because they think they don't have enough often end up with less, not more, because the window for the deferral advantage closes while they're deciding.
If you have $200,000 and you're within ten years of retirement, you have enough to have a serious conversation.
Read it at the link in the first comment.
Take the free retirement income questionnaire that starts with your life, not just a number. Share your goals and get Kurt's personal read in 1-2 business days by typing MakingYourRetirementBetter dot com into your browser.

Educational Only. This is not investment advice, tax advice, or legal advice. Always consult a qualified professional. All income figures are illustrative/hypothetical, based on joint income for the younger spouse’s age. Guarantees backed by the claims paying ability of the highly rated insurance company issuing them. Individual results will vary. Not investment advice.

Is $300K enough to retire in Des Moines, IA? The real number takes two minutes to find. Smaller than you figured, isn't ...
06/23/2026

Is $300K enough to retire in Des Moines, IA? The real number takes two minutes to find.

Smaller than you figured, isn't it?
You're in good company, and you didn't miscalculate.
That's just what living off your savings looks like.
There's a fourth way to read that number.
Put the right amount, not all of it, into Protected Lifetime Income (PLI):
A paycheck designed to last for life that doesn't shrink the moment the market does.
See yours, free.
Type MaxMyRetirementPayCheck dot com into your browser.

Figures are illustrative and hypothetical, as of 2026, and educational only, not advice.

One dollar.That can be the difference between your Medicare premium staying flat and jumping for an entire year.Here's s...
06/23/2026

One dollar.
That can be the difference between your Medicare premium staying flat and jumping for an entire year.
Here's something the industry won't tell you.
Medicare hides an income line, and crossing it by a single dollar can raise your premium for twelve months straight.
No phase-in.
No warning.
You find out after it's done.
It's not a penalty for being wealthy.
A required withdrawal you never asked for…
A Roth conversion timed wrong…
Even one strong year in the market can nudge you over the edge without you ever seeing the line.
And it's only one link in a longer chain.
One forced withdrawal can ripple through your taxes, your Medicare, and what your kids inherit, all at once.
You can see where your own numbers fall.
Type RetirementTaxAvalanche dot com into your browser and watch the cascade on your real figures.
All illustrative, dated, and yours to look at.
Did you know Medicare has a cliff, not a ramp?
Tell me below.

06/23/2026

You Made an Agreement With the Government the Day You Opened That 401(k). Here's What It Says.
When you put money into a traditional 401(k) or IRA, you get a tax break today.
But you make an unwritten agreement with the government at the same time.
They will collect later. Not if. Later.
In retirement, that later is you. You pull the money out, it counts as income, you pay the tax. That's the deal most people understand.
Here's the part most people don't.
What happens when you pass away with a significant balance still sitting in those accounts?
The agreement doesn't expire.
If you're not there to pay it, your heirs are.
The tax bill didn't go away. You deferred it. And deferred doesn't mean avoided. It means postponed, with interest, to whoever comes next.
Link in the comments.
Disclosure: This material is for educational purposes only and is not tax, legal, or investment advice. Tax rules are complex and change often. Please work with a qualified tax professional before taking any action.

What would retirement in Omaha, NE feel like if your paycheck didn't shrink every time the market dropped? Here's someth...
06/22/2026

What would retirement in Omaha, NE feel like if your paycheck didn't shrink every time the market dropped?

Here's something the retirement industry would rather you didn't dwell on.
The old "save it, invest it, withdraw a little each year" model quietly turns your life's savings into a surprisingly thin paycheck, and leaves you carrying all the market risk yourself.
Here's the part they skip:
You don't move everything.
You move the right amount into Protected Lifetime Income (PLI), hand off the market risk on that slice, and keep a paycheck built to last for life.
The rest stays invested for growth.
Curious what that looks like on your own number?
It's free.
Type MaxMyRetirementPayCheck dot com into your browser.

Figures are illustrative and hypothetical, as of 2026, and educational only, not advice.

I did everything right for my clients. They got hurt anyway.That's the day that changed how I plan retirements.For 20 ye...
06/22/2026

I did everything right for my clients.

They got hurt anyway.

That's the day that changed how I plan retirements.

For 20 years I sat across from families through the biggest financial decisions of their lives.

More than a thousand of them.

I cared about getting it right.

Then the dot-com crash hit, and I watched good people lose half of what they'd worked for.

I wanted them safe, and I did what everyone said was the responsible move:

I sent them to a fee-only advisor, the kind held up as the gold standard.

Then 2008 came.

They lost again.

The label that was supposed to protect them didn't.

And it forced me to sit with an uncomfortable truth:
Terms like "fee-only" and "best interest" describe how someone gets paid.

They don't promise your money survives a bad market.

That's a different thing entirely, and almost nobody explains the difference.

I went looking for what actually protects people.

I took the standard save-it-up-and-withdraw plan apart and rebuilt it in a different order.

Here's where I landed, and it's the whole of how I work now:
First the life, then the money.

Build the plan around the life you actually want.

Protect the must-haves with income a market can't take away.

Then invest the rest with confidence, because your life no longer depends on the next headline.

If that order makes sense to you, I'd like to hear what matters most in your retirement.

No numbers to start, just your goals.

I read every one and give you my straight read.

Just type this into your browser:
MakingYourRetirementBetter.com

Have you ever done everything right and still gotten hurt?

Educational only, not advice.

Iowa Is the Most Retirement-Friendly Midwest State on TaxesIf you're planning retirement in the Midwest, there is one st...
06/22/2026

Iowa Is the Most Retirement-Friendly Midwest State on Taxes
If you're planning retirement in the Midwest, there is one state that went further than every other on taxes.
It's not Missouri. It's not Kansas. It's not Nebraska.
It's Iowa.
Here's what Iowa did that none of the others did.
Iowa fully exempts Social Security from state income tax. No income cap.
And then it went further.
For residents age 55 and older, Iowa also fully exempts pensions, IRAs, 401(k)s, and annuity income from state income tax.
No income cap on any of it.
That means an Iowa retiree who has built a guaranteed income floor from an annuity, pulls from an IRA, and collects Social Security can receive all three at the state level completely tax-free.
Missouri exempts Social Security. Kansas exempts Social Security.
Nebraska exempts Social Security.
Iowa exempts the whole picture for retirees 55 and older.
That is a meaningful difference, and most people planning retirement in Iowa don't know it yet.
Read the blog… link in first comment.
Take the free retirement income questionnaire that starts with your life, not just a number. Share your goals and get Kurt's personal read in 1-2 business days by typing MakingYourRetirementBetter dot com into your browser.

Educational Only. This is not investment advice, tax advice, or legal advice. Always consult a qualified professional. All income figures are illustrative/hypothetical, based on joint income for the younger spouse’s age. Guarantees backed by the claims paying ability of the highly rated insurance company issuing them. Individual results will vary. Not investment advice.

The number on your statement isn't your retirement. The monthly income it makes is. What's yours in Wichita, KS? You're ...
06/19/2026

The number on your statement isn't your retirement. The monthly income it makes is. What's yours in Wichita, KS?

You're not alone, and you didn't do the math wrong.
The monthly number usually comes back smaller than people expect.
That's not your fault, it's how spending down a pile of savings works.
There's another way to read it.
You put the right amount of your savings, not all of it, into Protected Lifetime Income (PLI):
Money designed to keep paying for life without forcing you to cut back every time the market has a bad year.
Run your own number, free.
Type MaxMyRetirementPayCheck dot com into your browser.
Takes about two minutes.

Figures are illustrative and hypothetical, as of 2026, and educational only, not advice.

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+18169840289

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