Retirement Planning Services in Louisville, KY

Retirement planning isn’t one-size-fits-all—especially in a city as unique as Louisville. At Straight Talk CPAs, we believe your retirement strategy should be as personalized as your go-to Derby outfit.


Whether you’re a healthcare worker in Jeffersontown, a self-employed creative in NuLu, or a UPS employee looking ahead, we’re here to help you build a retirement plan that actually fits your life—not someone else’s spreadsheet.

Personalized Retirement Planning for Louisvillians

We use smart forecasting software, secure online tools, and real-time dashboards so you always know where you stand. But just because we love tech doesn’t mean you’ll be talking to a robot.



You’ll always connect with a real advisor who understands Louisville’s economy, local pension systems, and the unique planning needs of both individuals and business owners.

Tech-Forward Tools, Human Support

Trying to figure out retirement on your own can feel like assembling a jigsaw puzzle with half the pieces missing. Our team breaks it down, walks you through your options, and gives you real-world answers—not financial jargon.



We explain things like Roth vs. Traditional IRAs, contribution limits, Social Security strategies, and income forecasting in a way that actually makes sense.

Straightforward Guidance You Can Actually Use

Why Professional Retirement Planning Is Worth It

There’s a lot to consider:

  • Which accounts should you use?
  • How much should you save?
  • When should you take Social Security?
  • What’s the impact of inflation and healthcare costs?

We help you make sense of it all—so you can save more, avoid common pitfalls, and retire on your terms.

Case Study: From "Someday" to "Almost There"

Meet Terri, a 54-year-old salon owner in Louisville who spent years putting everyone else first—clients, staff, family. Retirement? That was “for later.”


We sat down (virtually) and helped her:

  • Take stock of her accounts and consolidate where needed
  • Maximize her SEP IRA contributions
  • Build a monthly income projection that gave her peace of mind
  • Align her business exit strategy with her retirement plan
  • Create a system to regularly review and update everything

Three years later, Terri is ahead of schedule and finally planning a trip she’s put off for a decade. Her words?

“It’s the first time I’ve looked at retirement and thought, ‘I can actually do this.’”

Explore Our All Services in Louisville, KY

List of Services

Why Choose Straight Talk CPAs in Louisville?

  • Local Experience: We understand Kentucky’s retirement rules, tax benefits, and pension systems
  • Personalized Plans: No templates here—just tailored strategies
  • Real Conversations: We speak clearly and listen carefully
  • Integrated Expertise: As CPAs, we tie in tax and investment planning from day one
  • Long-Term Thinking: Your retirement plan is built to last—and adjust with your life

FAQs

  • When should I start retirement planning?

    Now. The sooner you start, the more options you have. But it’s never too late—our strategies are effective whether you’re just starting or catching up.

  • I own a small business. Can you help?

    Definitely. We help business owners take advantage of retirement plans like SEP IRAs, solo 401(k)s, and defined benefit plans.

  • What if I don’t have a set idea of what I want retirement to look like?

    That’s okay. We’ll ask the right questions to help you shape your vision and goals.

  • How often should I update my plan?

    Once a year or any time you experience a life or income change. We’ll help you stay on track.

  • Can I meet with you virtually?

    Yes. We work with clients throughout Louisville and beyond—securely and conveniently.