— Insights —
Retirement questions, answered plainly.
Practical writing from CFG Wealth Management Inc. in Prairie Village, Kansas on federal benefits, Social Security timing, annuities, taxes, rollovers, and how to evaluate an advisor before you hire one. Written for pre-retirees and retirees across the Kansas City metro.
Planning approach
Retirement Planning in Your 50s: What Changes and What Goes Wrong
The decade when the questions change, and the mistakes stop being reversible.
Planning approach
What a Retirement Plan Includes Beyond Savings
The balance is the input. Six other things decide what it actually does.
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Social Security and tax
401(k) to IRA Rollover Taxes: A Retiree's Guide
Done one way it is not taxable. Done another way the bill arrives unintended.
Federal employees
TSP Rollover Options for Kansas City Federal Employees
A rollover is one option among six. The TSP has rules a private 401(k) does not.
Choosing an advisor
Questions to Ask a Retirement Advisor in Kansas City
The paperwork happens before the meeting. These are the questions for the room.
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Retirement income
Social Security and 401(k) Rollover Planning in Prairie Village
Two decisions usually made separately. Each changes what the other must do.
Planning approach
Goals-Based Retirement Planning in Kansas City: What It Means
Risk as the chance of missing a goal, not as how much the market moves.
Choosing an advisor
How to Compare Retirement Planning Firms in Prairie Village and Overland Park
There is no scoreboard. There are public records, and there are better questions.
Social Security and tax
How to Evaluate a Firm's Social Security and Tax Strategy
Claiming timing and withdrawal order change each other. Ask to see both on one page.
Planning approach
Integrated Retirement Planning in Kansas City: What Coordination Means
Coordination is about whether the handoffs happen, not about who shares an office.
Federal employees
Federal Retirement Advisor in Kansas City: What to Look For
FERS, TSP, FEHB and survivor elections follow rules most planners never see.
Choosing an advisor
Fee-Only vs Comprehensive Retirement Planning in Kansas City
The service model matters as much as the fee. How the two approaches differ.
Retirement income
Kansas City Retirement Advisors: Annuities and Social Security
Claiming decisions and insurance contracts interact. How they fit one plan.
New articles are added regularly. Ask a question you would like covered.
— Why we write —
Decisions are easier when the rules are clear.
Most of what is written about retirement is written to sell something. These articles are not. They explain how a rule works, what the trade-offs are, and which questions are worth asking, so you can arrive at a conversation already knowing what you want to understand.
Nothing here is a recommendation, and nothing here evaluates or ranks any other firm. Every situation differs, and the right answer depends on facts a general article cannot know. When you are ready to look at your own numbers, that starts with a Purpose Conversation.
LaMont Chandler is President and Chief Executive Officer of CFG Wealth Management Inc. in Prairie Village, Kansas. He holds FINRA Series 7, 24 and NASAA Series 63, 65 registrations, CRD 2794744, and has been registered in the securities industry since 1996. He is registered in Kansas, Missouri, Texas and Idaho.
CFG Wealth Management Inc. is an independent firm based in Prairie Village, Kansas. We are not affiliated with cfgwmt.com or with any other firm operating under a similar name.
— Where to go next —
The services these articles connect to.
Federal employee retirement
FERS, TSP allocation and rollover questions, and how federal benefits coordinate with the rest of your retirement income.
Social Security planning
Understanding why you are making the claiming decision before deciding when, including spousal and survivor consequences.
Tax-efficient retirement planning
Roth conversion analysis, required minimum distributions, and withdrawal order, coordinated with your CPA.
401(k) and rollover planning
Comparing your options for an employer plan before anything moves, and handling the transfer correctly if it does.
Estate and legacy planning
Beneficiary review, account titling, and coordination with your attorney so assets pass the way you intend.
Retirement income planning
Turning savings into income you can plan around, with withdrawal sequencing built for your situation.
— Start here —
Reading is a good start. A conversation is better.
There is no cost and no obligation for a first conversation, and nothing is recommended in it.
The articles on this page are general information and are not intended to be used as the sole basis for financial decisions, nor should they be construed as advice designed to meet the particular needs of an individual's situation. Neither the firm nor its agents or representatives may give tax or legal advice. Consult a qualified professional regarding your circumstances.
Rules governing federal benefits, Social Security, Medicare, and required minimum distributions change over time. Verify current rules with the administering agency before acting.
Nothing on this page constitutes a review, ranking, endorsement or evaluation of any other financial firm. Registration with the SEC, a state securities regulator or FINRA does not imply a certain level of skill or training, and does not constitute an endorsement.
