Tax-First Retirement Masterclass

How Married Couples With $2 Million or More Saved in 401(k)s and IRAs Can Keep More, Spend More in the Years That Matter, and Give Less to Uncle Sam

For couples retiring within the next 10 years who want one coordinated retirement plan built around both of you.

Watch the Masterclass
  • Free Masterclass
  • Under 45 Minutes
  • Watch Instantly
  • No Sales Pitch

From Kyle Hammerschmidt, founder of MOKAN Wealth Management

Amazon Bestselling Author · Monthly Kiplinger Contributor

Who This Is For

Is this masterclass for you?

This was built for one kind of household. If that's you, the next hour may be some of the most useful time you spend on your retirement all year.

It's for you if:

  • You're married, and you and your spouse are both in your 50s or early 60s.
  • You're within about ten years of retirement.
  • You've saved two million dollars or more, and most of it sits in traditional 401(k)s and IRAs.
  • You want to spend more in the years you're healthy and active, but no one has ever given you a real number and told you it's okay to do so.
  • You may already work with an advisor who has managed your investments well, and you're starting to sense there's a whole side of retirement, the tax side, that no one has walked you through yet.

It's probably not the right fit if:

  • You're more than ten years from retirement, or you've saved less than two million dollars so far.
  • You're planning for retirement on your own, rather than as a couple.
  • Most of your money is already in Roth accounts.
  • You prefer to manage everything yourself and aren't looking for outside input.
  • You already have a tax-first plan you're happy with.
  • You want a single quick transaction rather than a real plan.

We'd rather be honest up front. If this isn't a fit, we don't want to take your hour.

Inside the Masterclass

What You'll Discover

Kyle built this masterclass around one question: of everything you saved, how much goes to Uncle Sam and how much do you actually get to keep and spend? Here is what he covers:

01

Why a diversified portfolio is only half the picture.

Taxes touch every dollar you spend, every account you draw from, and everything you leave behind. Every decision in retirement is connected. Spending affects taxes. Taxes affect income. Income affects Medicare costs. And the order matters more than most people realize.

02

How two couples with nearly identical savings and the same yearly income can face completely different tax bills. One large and lasting. One close to zero.

It isn't luck. It isn't a better investment. It's one decision made at the right time.

03

The comforting sentence almost every saver has been told.

"Don't worry, you'll be in a lower bracket in retirement."

For households with $2 million or more in pre-tax accounts, that single assumption can quietly become the most expensive one of their retirement.

04

The tax increase that quietly lands on the surviving spouse at the hardest possible moment.

And the planning move, made now while you're both here, that can shield the one you love most from it.

05

The narrow window around your retirement date when the most powerful moves are still available.

Why waiting even a few years can close doors that rarely reopen.

06

Why so many disciplined savers underspend the retirement they worked thirty years to build.

And how a real plan gives you a clear number so you can actually enjoy the years you're healthy and active enough to enjoy them.

Watch the Masterclass

Free · Under 45 minutes · Start the moment you register

The Tax-First Difference

Your Retirement Plan Is Missing Half the Picture

The advisor assumes taxes will work themselves out. The CPA focuses on last year. Nobody is looking at the next thirty years.

Most couples approaching retirement have an advisor managing their investments and a CPA filing their taxes. Neither one is building a plan around what Uncle Sam takes in retirement.

Retirement decisions do not happen in isolation. They happen in sequence, and they affect each other. When you claim Social Security affects your tax bracket. Your tax bracket affects your Medicare premiums. Your Medicare premiums affect how much of your Social Security actually lands in your bank account. Your withdrawal order affects how many shares you have to sell. Planning these decisions together is what separates clarity from reactive tax planning and constant second-guessing about whether you are on the right track.

This masterclass introduces a different approach. A tax-first retirement plan that connects your entire financial picture. One that makes your spending, income, and taxes work together, not just your portfolio.

  1. DecisionWhen you claim Social Security
  2. AffectsYour tax bracket
  3. AffectsYour Medicare premiums
  4. AffectsWhat actually lands in your bank account
Kyle Hammerschmidt, founder of MOKAN Wealth Management
Monthly contributor to Kiplinger
Your Host

Kyle Hammerschmidt

Founder, MOKAN Wealth Management

Kyle is the Amazon bestselling author of The Retire Ready Roadmap™ and the author of Tax-Proof Your Retirement, his latest book on the nine tax surprises most married couples with $2 million or more in 401(k)s and IRAs never see coming and how to avoid them together.

He is also a monthly contributor to Kiplinger.

For over a decade, MOKAN Wealth has worked exclusively with married couples who have built substantial savings in 401(k)s and IRAs and are within ten years of retirement. Couples who did everything right financially and are now ready to make sure they keep more of what they built.

1,000,000 Kyle is on a mission to educate 1,000,000 people to retire with more than a stack of statements, a diversified pie chart, and confusing fee schedules from an advisor who only manages the portfolio but never built a real retirement plan behind any of it.
Before You Press Play

What to expect when you watch

This is a straightforward teaching session. Here is how it works.

It is free.

No cost to watch.

It is short.

The whole thing runs under 45 minutes.

It is on-demand.

You can start the moment you register and watch whenever it suits you. Nothing to schedule.

It is a real teaching session, not a sales pitch.

Kyle walks through how tax-first retirement planning works and why it matters for a household like yours. No products. No pressure. Just the education.

If by the end you would like to talk through your own situation, you can request a free Fit Visit directly from the final slide. No obligation of any kind.

Your Next Step

Thirty Years of Discipline Got You Here.

You saved consistently for thirty years. You stayed disciplined when it would have been easier not to. You built something real.

Now the question is how much of it you actually get to keep and spend.

This masterclass shows you the tax-first approach Kyle uses with couples in your exact situation. How to keep more of what you built, spend more of it in the years that matter, and give less of it to Uncle Sam.

It is free. It runs under 45 minutes. You can start right now. Nothing to schedule.

Watch the Masterclass

You Have Done Everything Right. Now Make Sure You Keep It.