SAFE RETIRE PATH • FIDUCIARY-LED RETIREMENT GUIDANCE • INDEPENDENT • CONFLICT-FREE
FREE GUIDE + 15-MINUTE SECOND OPINION
Are You 100% Certain You Won't Run Out of Money in Retirement?
Download our FREE 10 Retirement Mistakes Checklist and discover the planning gaps, tax traps, income risks, healthcare concerns, and legacy mistakes that could impact your retirement. As a bonus, you'll also have the opportunity to receive a complimentary Retirement Second Opinion from a fiduciary advisor.
See exactly where the average plan leaks tax dollars, income, and legacy
Learn the questions your current advisor should already be answering
Know whether your withdrawal plan can survive a bad market
Get a clear next step — even if it's "stay where you are"
INSTANT ACCESS
Send Me the Free Checklist
Your guide will be sent straight to your email inbox, and we'll also display it on the next page for your convenience. From there, you'll have the chance to book your complimentary 15-minute Second Opinion call.
100% private. No spam ever. Unsubscribe anytime.
A real fiduciary advisor reads every reply.
Independent
Fiduciary advisors
Retirement-Focused
Income, taxes & risk
$250K–$1.5M+
Typical client portfolio
Local + Virtual
TX, AZ, UT & nationwide
Already Have an Advisor?
Make Sure Your Retirement Plan Can Withstand the Challenges Ahead.
If any of these sound familiar, you owe yourself a second opinion.
Many advisors mean well... but their hands are tied by the firm they work for, the limited products they can offer, and the volume of accounts they have to manage.
Is your advisor reviewing your tax return to look for tax-saving opportunities — or are they only focused on your investments?
Is your investment portfolio matched to your real risk and goals — or just chasing returns?
Do you have any guaranteed lifetime income — or do you sell shares no matter what the market is doing?
Are they managing your annual Roth conversions intentionally?
Have they coordinated your beneficiaries with your will, trust, and estate documents?
Could your annuity be reviewed for better options — or is it just sitting there underperforming?
Are you working with the advisor you or chose — or have you been passed off to a call center or rotating service team?
Has anyone reviewed whether an annuity could help protect part of your retirement income — or are too many pieces of your income still exposed to the market?
PREVIEW
3 of the 10 most expensive retirement mistakes
These are the ones we see over and over — even when retirees already have an advisor. The full list (and the self-scoring checklist) is inside your free guide.
01
Working with an inexperienced advisor... or a phone center
Your account is being handled by a junior team member or a 1-800 number, not a senior advisor who knows your name, your spouse, and your goals. Retirement is too important to outsource to whoever happens to pick up the phone.
02
Withdrawing income from the wrong accounts in the wrong order
Pulling retirement income from the easiest account first — usually the IRA — without a strategy for taxes. Over time, taking money from the wrong accounts in the wrong order can lead to unnecessary taxes and reduce how long your savings last.
03
No one is using your tax return for forward-looking planning
Your 1040 gets filed every April and never used again. But your tax return is one of the clearest snapshots of your retirement picture. If no one is reviewing it for Roth conversion opportunities, capital gain harvesting, or Qualified Charitable Distributions — often called QCDs — you may be leaving real money on the table year after year.
Mistakes 4 through 10 (including the one most retirees don't realize is happening to them)
are inside your free guide.
Our retirement planning philosophy
Every plan we build is engineered to do four things at once. If your current plan only does one or two, that's where the leaks are.
1
Reduce Lifetime Tax
Strategic withdrawals, Roth conversions, and 1040 analysis — every year, not just at year-end.
2
Income You Can't Outlive
A portion of the portfolio providing secured guaranteed lifetime income.
3
Right-Risk Investing
A portfolio targeting the return you actually need — not maximum return for its own sake.
4
Estate That Holds Up
Wills, trusts, and beneficiaries — fiduciary-led, attorney-reviewed, kept in sync with your accounts.
Common questions
Is the second opinion really free?
Yes. Your 15-minute call is complimentary, with no obligation to engage us or buy anything. We use it to listen, identify the 1–3 highest-impact gaps in your current plan, and recommend your best next step — even if that step is staying with your current advisor.
Will you try to sell me something on the call?
Not at all. This first conversation is really just a chance for us to get to know each other — to hear about where you're at, talk through your current plan, and see if there are any gaps worth exploring together. If down the road we decide we're a good fit to work together, any recommendations we make will be built around you and your personalized written plan — never a sales quota or cookie-cutter solution.
Do I need a certain amount of money to qualify?
Our planning process is designed for people with roughly $250,000 to $1.5 million (or more) in investable assets, and within five years of retirement or already retired. If that's you, you're in the right place.
Do I have to switch advisors to do this?
No. Many people use a second opinion as a quality check on their current advisor and never make a change. Others discover gaps significant enough that they choose to move. Either outcome is fine with us. What matters is that you walk away knowing where you stand.
Who is KWM Partners?
KWM Partners is an independent, fiduciary financial planning firm with senior advisors in Texas, Arizona, and Utah. We help pre-retirees and retirees build retirement income plans designed to minimize taxes, generate income that lasts, plan for healthcare, and leave a meaningful legacy.
Get your free guide. See where your plan stands.
Decide your next move.
Instant download. No credit card. No sales pressure. Just clarity.
SAFE RETIRE PATH
Powered by KWM Partners — independent, fiduciary financial planning.
DISCLAIMER: KWM Partners, LLC is a Registered Investment Advisory Firm. Investment advisory services are offered through KWM Partners, LLC by properly licensed fiduciary advisors. Insurance products, including annuities, are offered separately through Kaia Insurance Group, LLC by properly licensed insurance professionals. All advisors featured on this page are licensed to provide advisory services through KWM Partners, LLC and insurance services through Kaia Insurance Group, LLC, where properly licensed and permitted. Information provided is for educational purposes only and should not be considered investment, tax, legal, or insurance advice. A complimentary second opinion does not create an advisory relationship unless and until a client agreement is executed. Guarantees are backed by the claims-paying ability of the issuing insurance company. Not currently accepting new clients in New York.