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Should A Wichita Couple Retire At 62 or Work Part Time For A Few Years?
Should you retire at 62 or work part time first? See how part time income can affect withdrawals, Social Security, health insurance, and your retirement plan.

Jonathan Harner, CFP®
19 hours ago


How Much Does Doctor Choice Matter with Medicare Advantage in Wichita?
Medicare Advantage can work well, but provider networks create a tradeoff that is easy to overlook while you are healthy. Here is what Wichita retirees should consider about doctors, specialists, travel, and the ability to change coverage later.

Jonathan Harner, CFP®
Sep 10


If You Don’t Need Your RMDs, Should You Reinvest Them in a Taxable Account for Your Kids?
If you are taking RMDs you don’t need and expect to leave money to your kids, the type of account they inherit can change the tax bill. Here’s why a taxable account can sometimes beat an inherited traditional IRA.


How Much Can a Retired Wichita Couple Give Their Kids Without Putting Their Own Retirement at Risk?
You may have enough money to help your kids or grandkids while you are still here to see it. The harder question is how much you can give without making your own retirement shakier. Here is how I would think through that decision.

Jonathan Harner, CFP®
Aug 27


What If One of Us Needs Long Term Care? What Wichita Couples Should Figure Out Before Age 65
What happens if one spouse needs long term care and the other still has decades of retirement ahead? Here’s what Wichita couples should consider about Medicare, care costs, insurance, family help, and protecting the spouse who remains at home.

Jonathan Harner, CFP®
Aug 20


Before you roll over the Textron Savings Plan: Ask should I use NUA for my Textron stock?
Roughly 1 out of every 6 dollars in the Textron Savings Plan sits in the Textron Stock Fund, and most people holding it never chose to buy it. Net unrealized appreciation can change how that stock gets taxed, splitting it into cost basis taxed as ordinary income now and appreciation taxed as a long term capital gain later. The election is permanent, and rolling the shares into an IRA first generally ends it. Here is what has to happen, and when a full rollover is still the be

Jonathan Harner, CFP®
Aug 13


Should You Invest When the Market Is At An All Time High?
The market hitting a new high does not automatically mean it is about to crash. Here is how retirees should think about short term money, long term money, and market headlines.

Jonathan Harner, CFP®
Jul 30


Why $1 Million Can Feel Safer Than It Really Is in Retirement
A million dollars still sounds like a lot of money. But retirement safety should be measured by what that money can buy over 20 or 30 years, not just the number on your statement.

Jonathan Harner, CFP®
Jul 23


Why Your Medicare Premium Is So High After Retirement
If you retired this year and your Medicare premium looks wrong, IRMAA may be the reason. Medicare often uses income from 2 years ago, but retirees with a major income drop may be able to ask Social Security to look again.

Jonathan Harner, CFP®
Jul 16


What Wichita Retirees Get Wrong About A Flat Retirement Budget
A flat retirement budget feels safe because it makes the future look clean. But real retirement spending usually changes over time. Wichita retirees may need an income plan that adjusts with travel, health care, taxes, and spouse protection.
Let’s Make Smart Decisions, Together.
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