Your Retirement Launchpad

Tax-Smart Retirement Income Planning

Your Retirement Checklist

Thinking about retirement?

It’s an exciting time, but also one with many questions.

From finances and healthcare to Social Security and beyond, there’s a lot to consider.

Consider me your trusted retirement guide.

Someone who has helped people (just like you) plan for and navigate unchartered territory - all the choices you will encounter as you move into retirement and beyond.

Get a head start with my Retirement Checklist - a comprehensive guide that walks you through 32 of the most important things to think about before you start your retirement journey.

It’s your roadmap to a stress-free and fulfilling retirement.

Download your Free Retirement Checklist 👇

Ryan Kilkenny, CRPC®

Founder, Atomic Planning

🇺🇸 U.S. Marine Corps Veteran

Strategies to grow your retirement paycheck, lower your taxes, and help you enjoy more of your money.

Services

  • Your retirement income must grow during retirement to offset the impact of inflation. We’ll help you determine how much money you need and create your growing retirement paycheck.

  • Retirement planning is a dynamic process, not a set-it-and-forget-it deal. We’ll regularly review your progress, adjust your retirement strategy as needed, and help you navigate life's inevitable curveballs.

  • When was the last time your advisor looked at your tax return? We actively look for opportunities to lower your lifetime tax bill. And we have found six and even seven-figure ($1M+) estimated tax savings for the families we serve.

  • We help you understand and maximize your Social Security benefits.

  • We utilize low-cost and tax-efficient investment strategies to help you grow and keep more of your wealth.

  • We ensure your investments are handled wisely, striving to mitigate unnecessary risk while still aiming for good returns.

  • What does retirement mean to you?

  • Hitting the open road?

  • Traveling across Europe?

  • Enjoying more time outdoors?

  • Finding a cozy spot to relax?

Make your money work as hard as you have.

The Atomic Planning Process

Schedule Your Appointment

 Frequently Asked Questions

  • Yes. We are always required to work in your best interest.

  • We charge a fee that is a percentage of the value of the investments we manage:

    Households under $2 million = 1.5% annual fee

    Households over $2 million = 1.00% annual fee

    We do NOT sell any investments or insurance products, represent any company, have hidden fees, or receive any product commissions or kickbacks from third parties.

  • Being independent means your needs come first, always. It also means we are free to source the best technology and solutions for your situation.

  • We leverage low-cost and tax-efficient passive investment strategies for our clients with a diversified mix of individual stocks and exchange-traded funds. Why? Many mutual funds have costly expense ratios, create tax problems in brokerage accounts, and normally underperform their benchmark, especially over time. For example, S&P Dow Jones releases SPIVA data - comparing mutual fund performance against their benchmark index - twice a year. Here's the percentage of actively managed U.S. Equity Large-Cap funds that underperformed the S&P 500 on a risk-adjusted basis as of the year-end 2023 update (data as of December 31, 2023). You can read the full report HERE.

    Over 3 years: 73.50% of funds underperformed the index

    Over 5 years: 87.21% of funds underperformed the index

    Over 10 years: 94.06% of funds underperformed the index

    Over 15 years: 95.46% of funds underperformed the index

    Over 20 years: 96.39% of funds underperformed the index

  • At a minimum, we will check-in with you quarterly and offer you two Zoom meetings a year (spring & fall). But we understand life happens, and you are always free to schedule a meeting with us if you need to meet outside our normal schedule.

  • Yes! We believe you are best served when you have a team of independent professionals working together on your behalf. We will happily work with your trusted tax professional or estate planning attorney. We can also introduce you to professionals we know and trust if you need one.

  • A custodian is responsible for, among other things, holding your assets, handling trades, and providing reporting for your financial accounts. Investments that you entrust to Atomic Planning are held at Altruist because we believe it enables us to do our best work for you. LEARN MORE

  • Yes! We utilize Pontera to help you make the most of your employer retirement account: 401(k), 403(b), or Thrift Savings Plan. Pontera allows us to break down your employer retirement plan investment costs, current investments, available investments, and reallocate and rebalance them, making it possible for us to do our best work for you. LEARN MORE

  • Yes! We utilize Google Meet to work with retirement savers across the United States. That means you can skip traffic jams and meet with us from the comfort of your home. You can schedule an appointment HERE.

  • Yes! We offer advice-only financial planning services at a rate of $350 per hour. You can schedule an advice-only appointment HERE.

Atomic Ideas 🚀