Who We Serve

Ready to simplify your financial life? I'm here to help you hand off your financial complexity.

My clients are thoughtful individuals and families who’ve built real financial lives and want a trusted partner who stays ahead of things so they don’t have to. They’re not looking to become market experts. They want someone who handles the details.

What they share isn’t a balance sheet. It’s a mindset: they value expertise, they’re ready to delegate, and they want a relationship, not a transaction.

Women Entering a New Chapter

Women navigating a significant shift.

Sometimes life shifts suddenly, and the financial pieces that once felt manageable no longer make sense. Whether you’re stepping into decisions you’ve never made alone or want to be prepared before something changes, I slow down, explain things clearly, and build a plan that fits your life.

KEY QUESTIONS WE WORK THROUGH TOGETHER

How do I find and organize accounts I didn’t know existed, or didn’t manage myself?
What should I do with old beneficiary designations now that my situation has changed?
How does Social Security work for a surviving spouse, and when should I claim it?
How much can I actually afford to spend without putting my future at risk?
How do I make sure my estate documents reflect my life now, not the life I had before?

Maggie:

Suddenly responsible for everything.

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Maggie lost her husband unexpectedly. She’d always been capable, but he had handled most of the financial accounts, and she felt overwhelmed by how much she didn’t know.

Together, we organized multiple scattered accounts into three simplified accounts at one custodian, updated beneficiary designations, coordinated estate documents, and built a clear picture of how much she could safely spend. We also worked through Social Security timing to maximize her options as a surviving spouse.

She didn’t need someone to take over. She needed a partner she could think out loud with. That’s what we became.

Retired and Ready For Real Planning

Already retired. Ready for a plan that goes beyond investment management.

You’ve done the hard work of getting here. Now the questions have shifted: how to draw income efficiently, manage taxes as things change, and make sure nothing falls through the cracks. Good planning in retirement isn’t a one-time project. It’s an ongoing relationship.

KEY QUESTIONS WE WORK THROUGH TOGETHER

What income level triggers higher Medicare premiums, and how close are we to that line?
Does it make sense to convert to a Roth now, even if it means paying more in taxes today to avoid IRMAA surcharges later?
How will required minimum distributions affect our tax bracket once they begin?
What happens to our taxes if one of us passes away first?
Is there anything we can do now to soften that transition later?

Bob and Carol:

Worried about Medicare costs, and what happens when one of them is gone.

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Bob and Carol were doing well, but they’d started hearing about IRMAA, the Medicare premium surcharge that kicks in above certain income levels, and were worried. Especially once required minimum distributions kicked in, or if one of them passed and the surviving spouse filed taxes alone.

We worked together on strategies to get ahead of it: thoughtful Roth conversions in lower-income years, income timing adjustments, and a long-term plan designed to soften the impact before it became unavoidable.

They left with a roadmap and real relief.

Pre-Retiree Couples

Within 10 years of retirement. Ready to stop winging it.

You’ve been doing the right things – saving, building, staying out of financial trouble – but the picture is getting more complex. You want a coordinated plan that ties together your investments, taxes, retirement income, and goals, and someone who ensures nothing is optimized in isolation.

KEY QUESTIONS WE WORK THROUGH TOGETHER

Are we on track for the retirement we’re picturing, and what will our income look like once the paychecks stop?
Are our investments, taxes, and giving actually working together, or just running in parallel?
What should we be doing differently right now, while we still have years to course correct?
How do we know if our giving is structured in the most tax-smart way?
What decisions can we make now that we’ll be glad we made once we’re actually retired?

David and Linda:

Coordinating everything at once, and feeling like it was all disconnected.

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David and Linda had about eight years until retirement and had done a lot of the right things. But they realized they'd been managing each piece separately: maxing out 401(k)s, saving in a brokerage account, giving to charity, without looking at how it all worked together. They weren't sure if they were on track, how to think about taxes in the years ahead, or what retirement income would look like.

We built a coordinated plan that looked at their full picture: investment strategy, Roth conversion opportunities, projected retirement income across sources, and how to deploy their charitable giving in a tax-smart way.

They left with a clear roadmap and a set of actions to work through between now and retirement, so they wouldn't be scrambling when the time came.

Women Who’ve Done The Work

Disciplined. Capable. Ready to see the full picture.

You’ve been doing the right things for years. Saving consistently, staying out of debt, building something real. But you’ve been doing it largely alone, and there’s a difference between accumulating well and knowing whether it’s enough. If you’ve never seen your full picture modeled out, this is where we start.

KEY QUESTIONS WE WORK THROUGH TOGETHER

Is disciplined saving the same thing as a real strategy?
How much risk am I taking, and is it the right amount for where I want to end up?
What do all these scattered accounts add up to, once they’re actually modeled out?
Do I have too much sitting in cash, and what should I be doing with it instead?
How do I turn years of good saving habits into a coordinated plan?

Sara:

She'd done everything right. She just needed someone to show her where she stood.

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Sara had spent her entire career being disciplined. She maxed her 401(k) every year, avoided debt, and built up a healthy cash cushion. Somewhere along the way she started wondering if it was actually enough. She'd done it all without a real strategy. She didn't know how much risk she was carrying, if her savings rate was right for the retirement she had in mind, or what that retirement would realistically look like. She had 401(k)s sitting in accounts from past employers, and no clear sense of how any of it connected.

We started by getting everything in one place. We consolidated accounts, built a coordinated investment strategy, and right-sized her cash so her money was actually working for her. We modeled out her retirement scenarios, timelines, and stress-tested assumptions.

For the first time, she could see exactly where she stood and what her choices today meant for the life she wanted later. She didn't need to be told to save more. She needed someone to show her the picture she'd been building all along, and what to do next.

Disclosure: The case studies presented are hypothetical illustrations based on a compilation of client experiences and common planning scenarios. They do not represent any actual client of Kelos Wealth Planning, LLC. They are provided for informational and educational purposes only and should not be interpreted as a guarantee of future results or client satisfaction. Individual circumstances vary, and the strategies discussed may not be appropriate for all investors.

Wherever you see yourself in these stories, the next step looks the same.

Let’s talk about your full picture.