Fee-only, fiduciary retirement income planning in Overland Park for households with $500,000+ in investable assets. We map out your withdrawal plan, optimize your Social Security, and build a dividend-growth core portfolio so you can retire with confidence.

Turn Your Nest Egg Into a Reliable, Tax-Efficient Salary for Life.

📅 Book a Free 15-Minute Retirement Map Strategy Call
📞 Call Dan Directly: (913) 274-9020

Quick answer: Three Streams Financial builds fee-only retirement income plans around three pillars:

  • A tax-efficient withdrawal sequence that determines which accounts you draw from first
  • Optimized Social Security and pension timing
  • Dividend growth income core designed to produce rising income without forcing you to sell shares in a down market.
  • Every plan is built to last through age 95, not just average life expectancy.

Here's What We're Going to Do

You need a clearly defined, transparent, and easy-to-follow retirement income plan. Three Streams Financial will help build your ideal plan focused on diversification, simplicity, and tax efficiency. You can manage the plan yourself or have us manage it for you.  We will help you achieve your retirement goals!

How do you build a tax-efficient retirement income plan in Kansas City?

Feeling overwhelmed? Behind in your retirement savings? Confused about RMD's? Those are common feelings, especially given today's headlines and market volatility. That is where Three Streams Financial comes in.
 
At Three Streams Financial, we specialize in retirement income planning. We help you create a sustainable withdrawal strategy, optimize Social Security and pension benefits, and address concerns such as outliving your money and required minimum distributions (RMDs). Our personalized approach ensures your investments support a steady income throughout retirement, while minimizing taxes and maximizing your financial security. Start planning your retirement income with confidence—contact us today.

  • A comprehensive Retirement Income Plan

    Your written plan for generating income in retirement.

  • An optimal Tax-efficient Withdrawal plan

    Reduce your marginal tax rates in retirement.

  • Ongoing Retirement management

    Avoid sequence of returns risk and optimize your RMDs.

Retirement Income branch of map

Why choose a fee-only fiduciary advisor for your retirement withdrawal strategy?

Retirement income planning is different from managing a growth portfolio. The stakes are personal and immediate: will this money actually last? Am I taking Social Security at the right time? Am I about to get hit with an RMD tax bill I didn't see coming? These aren't abstract questions — they're the ones keeping people up at night, and they deserve specific answers, not generic reassurance.
 
Here’s why customers choose us:
 
  • A Plan Built Around Your Actual Withdrawal Order — Not every dollar is taxed the same way. We map out exactly which accounts to draw from first, and when, so you keep more of what you've saved. → Link See our full breakdown of optimal withdrawal sequencing
  • Social Security Timing, Modeled for Your Situation — Claiming early versus waiting can mean a meaningfully different lifetime payout. We run the numbers specific to your health, savings, and spouse's benefits — not a generic rule of thumb.
  • A Dividend Growth Income Core — Rather than relying purely on selling shares to fund your lifestyle, we build a core of dividend growth stocks designed to produce rising income on their own — reducing how much you're forced to sell in a down market.
  • RMD and Tax Planning, Years Before It's Required — Required Minimum Distributions can push you into a higher bracket if you haven't planned ahead. We look at Roth conversion opportunities in your lower-income years, before RMDs ever kick in.
  • One Advisor, Not a Call Center — You'll work directly with me. No hand-offs, no account reps, no sales quotas.
Every retirement income plan I build starts with the same question: what happens if you live to 95? Not 85 — 95. That's the plan that actually holds up, and it's the one I build for every client, regardless of account size.
 
With our services, you can relax knowing your investments are managed proactively and your financial future is secure.
Talk to Dan Directly: (913) 274-9020
Security

Charles Schwab, Custodian

Your securities—stocks, bonds, mutual funds, or ETFs—at Schwab remain yours. The SEC’s Customer Protection Rule prevents firms from using your assets for their own business. Schwab maintains the highest security standards to protect client assets.
fiduciary

The fiduciary difference

Yes. I am registered as an Investment Advisor Representative (IAR) under the Investment Advisors Act of 1940, which requires me to act as a fiduciary. I am legally obligated to put my clients’ interests first, provide suitable advice, and disclose any conflicts of interest.
Fee-only

Fee-only, No commissions

A verifiable fiduciary, not a commissioned broker. The Fee-Only compensation model is considered the most transparent and objective approach to financial advice. I'm paid only by my clients for advice, plan implementation, and the ongoing management of assets.

What are the pillars of a sustainable retirement income strategy?

Tax-Efficient INcome

Designing a personalized, lifetime retirement income plan.

A thorough financial plan can help you navigate retirement pitfalls and reach your investing and retirement income objectives. Many investors underperform because they lack a plan or fail to follow one.

Our Approach:  A personalized and easy-to-follow retirement income plan lets you stay disciplined and committed to a long-term strategy, giving you peace of mind. We'll design a written plan that is: 

  • Tailored to your risk tolerance, timeframe, and goals.
  • Well balanced and offers multiple sources of retirement income.
  • Optimized for your level of Social Security and pension benefits. 

Withdrawal Plan

Implementing a tax-efficient withdrawal sequence to reduce lifetime taxes.

As an investor, understanding the tax implications of your retirement portfolio is crucial for better outcomes. Studies show that investors, more often than not, are their own worst enemies when it comes to investing. Many fail to optimize their retirement funds for tax efficiency.

Our Approach: Your optimal tax-efficient withdrawal plan, which guides the order of accounts to withdraw from first, will keep you informed and more likely to adhere to your investment plan over the long term. Informed and well-prepared investors will have higher levels of income to enjoy in retirement. 

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Peace Of Mind

Proactive retirement portfolio management to mitigate sequence of returns risk.

A well-thought-out plan that considers sequence of returns risk and RMDs will improve risk-adjusted returns and your retirement over the long term. Many investors either lack a plan or fail to follow it due to emotions overpowering discipline.

Our Approach: A personalized investing plan specifically for retirement, with a glide path that matches your risk tolerance, is key to reducing risk and maximizing income throughout your retirement.

What specialized tax and wealth services are included in your plan?

  • Comprehensive financial planning for your entire financial life
  • Receive a customized, written retirement income plan tailored to your needs
  • Benefit from professional management of your investment portfolios and 401(k) plans
  • Gain a clear, visual overview of your current financial health
  • Implement a tax-efficient withdrawal plan to maximize your retirement income
  • Optimize your Social Security and pension benefits through expert planning
  • Protect your future with life, disability, and long-term care insurance planning
  • Monitor your investment performance in real time for actionable insights
  • Track daily performance of all your consolidated accounts in one place
  • Participate in annual reviews to keep your investment plan and beneficiaries up to date
Get Your Free Personalized Retirement Map →

Frequently Asked Questions

A: Yes. I am registered as an Investment Advisor Representative (IAR) under the Investment Advisors Act Of 1940. Under this federal requirement, if you’re acting in an investment adviser representative (IAR) capacity, you’re a fiduciary. As a fiduciary, I am legally obligated to put my client's interests ahead of mine and act in my client's best interests at all times. This means that I must provide advice that is suitable for my client's needs and risk tolerance and must disclose any potential conflicts of interest.

A: You can search for registrations at the SEC’s Investment Adviser Public Disclosure Website: https://adviserinfo.sec.gov/ (My CRD#: 2131294)

A: The Fee-Only compensation method is considered the most transparent and objective method for financial advice. This compensation model helps to minimize conflicts of interest and guarantees that your financial advisor acts as your fiduciary, putting your interests first. Fee-only advisors are paid only by their clients for advice, plan implementation, and the ongoing management of assets.

A: Yes. I’ve chosen Charles Schwab to be the custodian for all my clients. The first thing to remember is your securities—like stocks, bonds, mutual funds, exchange-traded funds, or money market funds—held at Schwab are yours. The SEC's Customer Protection Rule safeguards customer assets at brokerage firms by preventing firms from using customer assets to finance their own proprietary businesses. I can also rest easy at night knowing that Schwab holds itself to the highest security standards when it comes to safeguarding my client’s assets. You can learn more about how your assets are protected by Charles Schwab at https://www.schwab.com/legal/account-protection.

A: We take nothing for granted. We have the independence of a boutique financial firm, but we’re backed by the power of CreativeOne Wealth, LLC, a revolutionary asset management platform and Registered Investment Advisory (RIA) firm. CreativeOne provides back-office support, ensures compliance, and continuously monitors privacy protection. You can learn more at https://adviser.creativeonewealth.com/tech.

First, RIAs are legally obligated to act in your best interest. They also tend to provide more personalized services. Since they aren't paid on commission, they don't have an incentive simply to deal with only when selling something. RIAs typically have transparent fee structures, often charging a percentage of assets under management or a flat fee, which aligns their interests with yours.

Many investors are unaware of, or confused about, the various fees they may pay when investing. Not my clients! We believe in Fiduciary transparency. Our fee schedule is 0.50% to 0.95% of assets under management annually. We can also negotiate a flat fee for outside investment advice. Our minimum account size is $500,000 of investable assets. However, our services are also available to active accumulators under 45 with a minimum of only $300,000.

Ready To Take Control Of Your Financial Prosperity?

No pressure. No sales pitch. Just a transparent conversation.