Retire on Your Terms. Not on Hope.
Retirement Isn’t a Date. It’s a Strategy.
Most people think of retirement as a moment — the day you stop working. But the truth is, retirement is a decades-long financial event that requires more precision, more planning, and more discipline than any other phase of your financial life. The decisions you make in the years leading up to and immediately following retirement will determine whether you live abundantly or spend your time worrying about running out of money.
At Keel Wealth Management, we don’t treat retirement planning as a one-time calculation. We treat it as an evolving strategy — one that adapts as markets shift, tax laws change, your health evolves, and your goals sharpen.
The KWM Retirement Framework
Income Replacement Modeling. We build a detailed picture of what your life costs — not a rough estimate, but a granular model that accounts for everything from healthcare inflation to travel aspirations to the car you’ll want to replace in ten years. Then we engineer a portfolio and withdrawal strategy designed to sustain that income for as long as you need it.
Social Security Optimization. When you claim Social Security can mean a difference of hundreds of thousands of dollars over your lifetime. We model every scenario — early claiming, delayed claiming, spousal strategies, survivor benefits — and identify the approach that maximizes your total benefit based on your specific circumstances.
Tax-Efficient Withdrawal Sequencing. Which account do you draw from first — the IRA, the Roth, the taxable brokerage account? The answer changes year to year based on your income, your bracket, and what’s happening in the tax code. We build a withdrawal sequence that minimizes your lifetime tax burden, not just this year’s.
Healthcare Cost Planning. Medical expenses are the single biggest wildcard in retirement. We model Medicare premiums, supplemental insurance, long-term care scenarios, and out-of-pocket costs so you’re not blindsided by the expense that derails more retirements than market downturns.
Roth Conversion Strategies. The years between retirement and age 73 often present a window where your income is lower than it will ever be again. We analyze whether strategic Roth conversions during this window can save you significant taxes over your lifetime — and if so, how much and how fast to convert.
Monte Carlo Stress Testing. We don’t just plan for average markets. We run thousands of simulations across different market environments — including severe downturns — to calculate the probability that your plan succeeds under conditions far worse than average. You’ll know not just that you have enough, but how much margin you have.
Beyond the Numbers
Retirement planning isn’t only about money. It’s about answering questions that most advisors never ask: What does a fulfilling retirement look like for you? Do you want to travel? Downsize? Start something new? Support your grandchildren’s education? Give generously to causes you care about?
We build your plan around your answers — not around a generic Monte Carlo printout that treats you like everyone else.
For Those Already Retired
If you’re already retired, the planning doesn’t stop — it intensifies. You’re now in distribution mode, which means every investment decision, every tax decision, and every spending decision has compounding consequences. We provide ongoing portfolio management, tax coordination, required minimum distribution planning, and regular plan updates to ensure your wealth lasts as long as you do — and beyond, if that’s your goal.
The KWM Difference
Other firms hand you a retirement projection and call it planning. We build a living, breathing strategy that’s monitored continuously, stress-tested regularly, and adjusted as your life and the world around you change. We combine four decades of experience with AI-powered analytics to find opportunities that spreadsheets miss — and we do it for fees that are as much as two-thirds less than the competition.
Your retirement should be the reward for a lifetime of hard work. It shouldn’t be left to chance, and it shouldn’t be managed by someone who treats it like a checkbox.
Ready to build a retirement plan that actually works? Contact Scott Zodin at scott@keelwealth.com or call (512) 368-4593.
