You've Done The Work. Let's Talk About It.
This page is for Kit owners who've worked through the material and are ready to talk through their plan with our team. Because you bought the Kit, the planning deposit is waived... Which means you can start the planning process with us at no upfront cost, and walk away if it isn't the right fit.
Free for Kit owners · Limited availability each week
What This Conversation Is
A 30-minute conversation. You talk, we listen.
The goal is simple: understand two things: 1) What do you want retirement to look like (lifestyle and legacy), and 2) What you want from a financial professional.
Once we understand both, we can honestly tell you whether it makes sense to proceed with the planning process (or not). If it makes sense to proceed, we will send you a planning agreement and schedule the next appointment. If not, you'll be able to walk away without any obligation.
More Than Money
We want to talk about the life you want, so we can build a plan around it.
It's OK to Say "No"
We only want to work with those who will benefit from working with us.
No Deposite to Start
Start planning with no risk so you can see what more could be done.
If We Decide To Proceed, Here's What Happens
After the initial 30-minute call, if it makes sense for both of us to keep going, the planning process continues with two appointments. Here's what each one looks like:
Appointment 1: Build & Explore (Approximately 60 minutes)
This is where we build the first version of your plan together. We work through your income picture, your tax situation, your timeline, and your goals while exploring the different strategies that could work for your specific circumstances.
You'll see what each strategy actually looks like in your situation, with the trade-offs of each laid out side-by-side.
The goal of this appointment isn't to deliver a finished plan. It's to make sure we're getting the foundational decisions right for you, not for someone with a different situation. We'd rather take the time to explore than rush to a recommendation that doesn't fit.
Appointment 2: Refine & Decide (Approximately 90 minutes)
This is where the plan gets dialed in. We finalize the income, tax, and structural decisions from the first appointment, and we explore what a portfolio could look like to support the plan we've built together.
At the end of the second appointment, you decide which path makes sense for you:
Path A: We'll continue down the one-time plan path, meet a few more times, and finalize any remaining details so that you can take the final plan and manage it on your own. No ongoing relationship required. Flat one-time fee.
Path B: Become a private client. If you want our team to handle the work so you don't have to (ongoing planning, portfolio management, tax preparation, etc.), we can transition to a flat-fee private client relationship. No AUM, no commissions on the planning side, no long-term contracts, no surprises.
Either path is a legitimate outcome. Our mission is to support you in how you want to be supported and to help you get the plan and outcome that is right for you.
By The End Of This Process, You'll Know:
Whether you're on track to retire on time (and what would change if you're not)
How your income could be structured (and be tax efficient)
Where the blind spots are in your current plan (and what to do about them)
Which tax strategies could help reduce what you keep paying the IRS in retirement
How your portfolio could be positioned for both growth and protection
Whether a one-time plan or an ongoing relationship makes more sense for your situation
You'll also have a clear answer to the question that brought you to the Kit in the first place: Am I doing this right?
Who This Process Is For
This is for you if...
You've worked through the Planning Kit and have questions you'd like to talk through
You're within 5 to 10 years of retirement, or already retired
You want a more comprehensive retirement plan (not a product pitch dressed up as a plan)
You're willing to share the details of your situation honestly so we can be useful
You'd rather understand the strategy than just be told to trust it
This is NOT for you if...
You haven't gone through the Kit yet (start there first... it's the foundation for the conversation)
You want stock tips, market predictions, or someone to manage your money without your involvement
You want free ongoing planning advice without a defined engagement
You're not willing to look honestly at where your current plan might be falling short
Common Questions
What does the planning process cost?
The 30-minute initial call is free. If we both decide to move forward into the planning process, you pay nothing upfront... that's the deposit waiver Kit owners receive. Pricing for the one-time plan and the private client relationship is discussed openly during the planning appointments, so you know exactly what you're agreeing to before you commit to anything. For more information, go to www.kedrec.com and explore the one-time plan options or the private client levels.
What if I already have an advisor?
That's fine. Many people use this process as a second opinion before making big decisions. We're here to help you think clearly about your situation and then decide how to proceed based on what is right for you.
What if I decide not to move forward at any point?
No problem. We only work with people who actively want to work with us. There's no awkwardness in saying no at any stage, for any reason. That's the beauty of the planning process. We are planning which means you don't need to move anything during the process.
What if I'm not sure I'm ready?
Then you're probably not ready, and that's a legitimate answer. We can't help you if you don't know what you want. In these situations, the best thing to do is to keep working through the Kit, attend the Tuesday Q&A, and come back when you have specific questions or know what you want. The deposit waiver doesn't expire.
What if I'm overwhelmed by my situation?
Most people are when they start. The whole point of the planning process is to take a complicated picture and break it into decisions you can actually understand and act on. Feeling overwhelmed isn't a reason to skip this... It's often the reason to start it.
What's the difference between the one-time plan and being a private client?
The one-time plan is yours to take and implement on your own (defined scope, flat one-time fee, no ongoing commitment). Those who proceed with a one-time plan are responsible for maintaining their plan and completing the ongoing work.
Becoming a private client means we work together long-term with ongoing planning, portfolio management, and tax preparation, for a flat monthly fee (not a percentage of your assets). Kedrec Wealth does the work and reports back to you the progress throughout the year.
Both paths are valid. Most people know which one fits by the end of the second appointment.
How do I schedule?
Click the button below. You'll see available times, pick what works for you, and we'll send a confirmation with the call details.
Ready When You Are
There's no urgency here. The deposit waiver doesn't expire, and we'd rather you come to this conversation when you're genuinely ready than rush in because of a deadline.
But if you've worked through the Kit and you're ready to talk through your plan with someone, this is the door.
This content on this website is provided for informational purposes only and is not intended to serve as the basis for financial decisions. It should not be construed as investment advice or a recommendation.
Investment advisory services are offered through Kedrec, LLC, a Kansas state Registered Investment Advisor. Insurance products and services are offered through its affiliate, Kedrec Legacy, LLC. We are not affiliated with the US government or any governmental agency.
Investing involves risk, including possible loss of principal. No investment strategy can guarantee success, ensure a profit or guarantee against losses. Insurance product guarantees are backed solely by the financial strength and claims-paying ability of the issuing company.
Insurance and annuity products involve fees and charges, including potential surrender penalties. Annuity withdrawals are subject to ordinary income taxes and potentially a 10% federal penalty before age 59-1/2. Life insurance generally requires medical and potentially financial underwriting to qualify for coverage. Optional features and riders may entail additional annual cost. Product and feature availability may vary by state.
Tax, legal and estate planning services are available only to members who purchase the Kedrec Wealth Membership level. Tax, legal and estate services provided by our network of tax and legal professionals. Always consult with qualified tax/legal advisors regarding your unique circumstances.