JKD Financial

A Tax-Forward Approach to Retirement Planning

At JKD Financial, I bridge the gap between two worlds that are often treated separately: long-term financial planning and proactive tax strategy.

Most financial advice focuses solely on the "big picture" of investments, while tax preparers focus on the "rearview mirror" of what happened last year. As both a CERTIFIED FINANCIAL PLANNER™ and an IRS Enrolled Agent (EA), I sit in the middle. I don’t just build a portfolio; I audit the plan for tax efficiency - managing IRMAA thresholds, timing Roth conversions, and ensuring your retirement "buckets" are optimized for what you actually keep after taxes.

Who I Serve Best:

I specialize in working with diligent savers—individuals and families who have spent decades accumulating assets and are now facing the stress of the "distribution phase." I help answer the big questions:

• How do I create a reliable "paycheck" from my various accounts?
• Which assets should I spend first to minimize my lifetime tax bill?
• How do I protect my plan from market volatility?

The JKD Financial Difference

• Flat-Fee Model: I believe transparent advice should have transparent pricing. My fees are based on the complexity of your life, not the size of your portfolio. This eliminates the conflicts of interest found in traditional percentage-based (AUM) models.
• Intentionally Small: I limit the number of families I serve to ensure every client receives the proactive, high-touch attention they deserve. When you have a question, you have a direct line to me.
• Springfield Roots: Born and raised in Springfield, MO, I am committed to serving my neighbors in the Ozarks with the honesty and directness they expect.