— Services —
Eight parts of one plan.
Retirement income, Social Security, tax, estate and investment planning for pre-retirees and retirees across the Kansas City metro.
CFG Wealth Management provides retirement income, Social Security, tax, estate, and investment planning for pre-retirees and retirees across the Kansas City metro, organized around one plan rather than eight separate products.
One plan, eight moving parts.
Most people arrive with a specific question. When should I claim Social Security. What do I do with the 401(k) from two jobs ago. Should I convert some of the IRA while my income is low. Those are good questions, and each one has an answer, but the answers change depending on the others.
That is why the services below are not eight separate engagements. They are eight views of the same plan, and the plan starts with a Purpose Conversation about the life you are building rather than the balances you hold.
LaMont Chandler works with individuals and families who are approaching retirement or already in it, generally between the ages of fifty-five and seventy, from an office on West 94th Terrace in Prairie Village.
— What we do —
Services for pre-retirees and retirees.
Retirement income planning
Turning what you have saved into income you can plan around, with a withdrawal sequence built for your situation rather than a rule of thumb.
Social Security planning
Understanding why you are making the claiming decision before deciding when, including spousal and survivor consequences.
Federal employee retirement
FERS, TSP allocation and rollover questions, and how federal benefits coordinate with the rest of your retirement income.
401(k) and rollover planning
Reviewing employer plan options and consolidating old accounts so your retirement savings work as one plan instead of four.
Investment management
Portfolios built to match your risk tolerance and time horizon, reviewed against your plan rather than against headlines.
Tax-efficient retirement planning
Roth conversion analysis, required minimum distributions, and withdrawal order, coordinated with your CPA.
Estate and legacy planning
Beneficiary review, titling, and coordination with your attorney so what you have built passes the way you intend.
Annuities and insurance
Fixed insurance products offered through licensed carriers, evaluated in the context of your overall income plan.
The Purpose Conversation
Where every relationship begins. Before we discuss strategies, we work to understand what you want your money to make possible.
— Our approach —
Process first, product second.
Many financial conversations begin by talking about investments, account balances, or retirement dates. Those are important conversations. They are simply not our first one.
The first meeting is a Purpose Conversation. It is an opportunity to learn about your goals, your priorities, and what you would like retirement to help make possible. A short Purpose Conversation Guide takes about five minutes to complete, and many people say it helps them think about retirement differently before we even meet.
From there, the work is sequential. We map what you hold. We model what you plan to spend. We look at the order things should happen in and why. We meet to review on a schedule and revisit when your situation changes. We describe what the process does, not what markets will do.
— Why it matters —
Coordinated beats optimized.
A Social Security claiming date chosen in isolation can undo a careful withdrawal sequence. A Roth conversion done without looking at Medicare premium thresholds can produce a surprise two years later. A beneficiary designation left unchanged after a life event can override an estate plan entirely.
Each of those is a small decision made well on its own terms and poorly in context. Keeping them in one plan, reviewed by one person who knows what you are trying to accomplish, is the point.
Nothing here is a promise about results. It is a description of how the work is organized, and organization is the part we can actually control.
— Common questions —
Questions about working with us.
Who does CFG Wealth Management work with?
What happens in the first meeting?
Is LaMont Chandler registered, and how can I verify it?
Do you give tax or legal advice?
— Start here —
Start with a conversation, not a pitch.
There is no cost and no obligation for a first conversation. Tell us a little about what you are working toward.
