Kansas Wealth Management Group, LLC It has been observed that retirement planning has become more complex between security and increasing income, tax efficiency and long-term health care and legacy considerations. Nevertheless, it notes that many individuals continue to rely on broad risk questionnaires and standardized portfolio templates that may overlook important individual variables.
Financial concerns remain pervasive across generations 77% American Whereas, feeling worried about your financial situation 54% non-retired Question whether they will be financially prepared for retirement. In that environment, Kansas has developed a planning model designed to link investment management, tax strategy, retirement income planning and asset coordination into a more integrated framework.
In 2008, Thomas L. Founded by Costantiello, CFP®, CTS™, CES™, QPFA®, the firm was built on the idea that retirement planning works best when financial decisions are made in coordination rather than in isolation. Costantiello began his career in 1993 at Fidelity Investments, where he developed a comprehensive understanding of portfolio construction and investor behavior during changing market cycles.
Over time, he became increasingly interested in creating a comprehensive advisory structure that would be able to incorporate tax planning, estate planning, retirement income strategies and investment oversight within a single planning process. “Retirement is no longer just about choosing investments,” Costantiello says. “People want to understand how every financial decision affects their income, taxes, family goals and long-term quality of life.”
That philosophy became the foundation of Kansas’ integrated planning model. Clients work through a process that simultaneously evaluates cash flow needs, retirement income projections, tax risk, estate planning objectives, investment status and health care considerations. “Our role is to be a second set of eyes that review interconnected details that can impact financial results over time,” Costantiello says.
This approach reflects a broader shift among investors who want faster coordination between multiple areas of planning. according to a estate planning report56% of American adults still do not have estate planning documents, including wills, trusts, powers of attorney or health care directives. This difference can create complications when investment strategies, beneficiary designations and legal documents are handled independently by different providers. Kansas aims to help solve that issue by incorporating its in-house professionals into the planning structure so that investment decisions, legal documents and tax strategies as a whole align more effectively.
Costantiello’s professional background emphasized coordination. Along with his four designations, his experience working with retirees, business owners, corporate executives, and high net worth families reinforced the importance of integrating disciplines that can be separated in traditional advisory relationships.
“Financial planning should reflect real life,” Costantiello explains. “Families experience career changes, health care expenses, market cycles, tax law changes and generational planning decisions all at the same time. Retirement strategies have greater value when these elements are working together.”
This approach is core to the firm’s investment philosophy. Consus combines institutional research with strategic portfolio adjustments intended to reflect evolving market conditions. The firm says many investors remain in stable portfolios for extended periods of time, despite changes in inflation, interest rates, tax law changes, or macroeconomic and geopolitical trends. Through ongoing reviews and active management strategies, Kansas aims to align portfolio position with both market conditions and retirement income objectives.
Part of that strategy includes the Consensus 10, an internally developed investment model that focuses on a concentrated group of large-cap equities selected through a rules-based valuation process. This strategy emerged from Costantillo’s long-term interest in the historical study of market concentration trends and concentrated portfolio construction. Along with institutional portfolio allocation and complementary investment strategies, the model is used as part of a broader framework designed to balance growth opportunities with income planning considerations.
The firm’s planning process also extends beyond portfolio management to tax mitigation and business planning strategies. For business owners and executives, Kansas evaluates areas such as retirement plan design, tax-efficient access to retained earnings, stock and option plans and executive compensation strategies. Estate planning coordination also remains an important component of the firm’s services, especially for families who want to simplify the transfer of wealth between generations.
Behind the firm’s structure is Costantiello’s personal story of perseverance and continued growth. He comments, “Preparation changes the way people experience uncertainty.” “If people understand their plan and the logic behind it, they can make decisions with more confidence.”
Today, Kansas Wealth Management Group continues to focus on comprehensive retirement planning based on long-term results, personalized guidance and coordinated financial strategies. Through its integrated structure, the firm seeks to help clients build retirement plans with a comprehensive understanding of how investing, taxes, estate planning and income strategies connect over time.