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Consultants

Who We Are

Kenai Investments is an independent Registered Investment Advisor (RIA) focused on helping individuals and families transition into retirement with a clear, tax-integrated plan.

As fiduciaries, we are legally required to act in your best interest. We do not earn commissions for selling products and we are not compensated for recommending specific investments.

Our role is to design and manage a financial system that coordinates your investments, taxes, retirement income, and long-term planning into one integrated strategy.

For many households approaching retirement, the biggest risks are no longer market performance alone - they are tax inefficiency, poor withdrawal sequencing, and lack of spending clarity.

What We Actually Build For Clients

Many advisory firms focus primarily on portfolio allocation - selecting mutual funds and ETFs and rebalancing them periodically.

Our work goes deeper. We build and manage a retirement transition plan that coordinates portfolio management, tax strategy, and retirement income planning over the coming decades.

Your Retirement Income Roadmap

A successful retirement plan is not just about investment returns - it is about how your assets are used over time.

We design a withdrawal strategy that determines:

• Which accounts to draw from first
• When to begin Social Security
• How to manage Required Minimum Distributions
• How taxable, IRA, and Roth accounts interact over time

The goal is to maximize lifetime after-tax income, not simply portfolio growth.

Roth Strategy & Tax Management

Many retirees face a large tax problem hidden inside their IRA. Without planning, Required Minimum Distributions can significantly increase taxes later in retirement.

We model and implement multi-year Roth conversion strategies designed to:

• Reduce future RMD exposure
• Manage tax brackets over time
• Improve long-term estate efficiency
• Increase tax-free income later in retirement

Real Portfolio Management

We actively manage client portfolios rather than relying solely on static fund allocations.

Depending on the strategy, portfolios may include:

• Individual equities
• Covered call strategies
• Cash-secured put strategies
• Tactical allocations
• ETFs and funds where appropriate

The goal is to build a portfolio designed to support a long-term retirement income strategy.

Spending Clarity

One of the most important questions in retirement is simple:

What can we safely spend?

We model retirement income using multiple scenarios to determine a sustainable lifestyle number based on:

• Portfolio longevity
• Tax impact of withdrawals
• Market return scenarios
• Inflation and healthcare costs

The result is a retirement plan you can actually follow - not just projections on paper.