Money, Markets & Wealth · Planning
Wealth & Retirement Planning
The thirty-year view: accumulation, drawdown and what you leave behind
- Allocation and rebalancing frameworks explained and critiqued
- Retirement account mechanics across a full working life
- Drawdown, longevity and sequence-of-returns risk in plain terms
- An estate checklist you can take to a qualified professional
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What this program is
Financial planning over a decade is mostly arithmetic. Over thirty or forty years it becomes a different problem: inflation compounds, tax rules change, careers break and restart, parents need care, and the single largest risk stops being a market crash and becomes outliving the money. Wealth planning is the discipline of making decisions that survive all of that.
This course covers the long arc in two halves. Accumulation: how allocation frameworks are constructed and argued about, how tax-advantaged accounts differ across a working life, how equity compensation and concentration risk behave, and what rebalancing does and costs. Drawdown: sequence-of-returns risk, the published withdrawal-rate research and its assumptions, annuitisation trade-offs, and the interaction between social security or state pensions, taxes and healthcare.
The last module is the one families put off. Wills, beneficiary designations, powers of attorney, guardianship for minor children, and the conversations that actually have to happen with adult children and ageing parents. We are not a law firm and cannot draft documents — but most of the damage here is done by things nobody got around to naming, and that part is not legal work.
The seven sessions
The long-horizon balance sheet
Human capital as an asset, liabilities across decades, and the difference between a net-worth snapshot and a lifetime funding picture. This is where most people first see the actual size of the retirement problem.
Asset allocation frameworks
How allocations are constructed and defended — risk capacity versus risk tolerance, time horizon, glide paths and target-date structures — together with the honest criticisms of each. Frameworks are taught, examined and left to you to apply.
Accounts across a working life
Employer plans, individual retirement accounts, taxable accounts and health accounts: contribution mechanics, employer matching, rollovers, and the sequencing questions people most often get wrong when changing jobs.
Concentration, equity compensation and windfalls
Restricted stock, options and employee purchase plans; why an employer's stock concentrates career and portfolio risk in the same place; and how to think about a windfall, inheritance or liquidity event before spending it.
Drawdown and longevity
Sequence-of-returns risk, the withdrawal-rate literature and the assumptions underneath it, bucket approaches, annuitisation trade-offs, and modelling a life that lasts longer than the plan assumed.
Tax, healthcare and the retirement transition
How tax treatment differs across account types in drawdown, healthcare cost and coverage transitions, and the timing decisions around claiming state or social security benefits.
Estate basics and the family conversation
Wills, beneficiary designations that override wills, powers of attorney, healthcare directives, guardianship, and how to run the conversation with adult children and ageing parents. Checklist to take to an attorney — not a substitute for one.
Format and logistics
- Live online — 1:1 or small cohort
- Weekly or fortnightly 75-minute sessions
- 7 sessions
- Modelling spreadsheets you keep and can re-run
- Financial Planning Essentials completed or equivalent
- Partners are encouraged to attend together at no extra cost
What you leave with
- A long-horizon funding model for your own household that you can re-run yourself
- A written statement of your allocation reasoning — the thing that stops panic selling
- A drawdown framework and the specific questions to test it with a professional
- An estate checklist with the gaps in your current arrangements marked
Pricing
Pricing for this program depends on format, cadence and length, so we quote it on the consultation call rather than publishing a number that would be wrong for most families. Ask an advisor — the call is free and there is no obligation.
Common questions
Please read before enrolling
Educational program only. KPM Academy is not a registered investment adviser, broker-dealer, or tax adviser, and nothing in this program is a recommendation to buy or sell any security or to take any particular financial action. Consult a licensed professional before acting on anything you learn here.
Educational content and coaching only — not investment, tax, or legal advice. KPM Academy is not a registered investment adviser.
Before You Invest: A Reader's Checklist
Seven sections, each with a question to answer
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