Just retired and want to get back to vinyl listening

Yes, with patience and good ear a lot can be accomplished for $20k even with new equipment, and with used you could have $40k-$50k very high level system, far beyond Klipsh and Luxman, I would guess.

Don’t let high efficient speakers lock you into your speaker choice. Efficiency does not mean better sound. Any speaker that I've preferred always seemed to be on the low to mid sensitivity type!

The permutations are endless but this rig might suit your needs.
Speakers: http://www.tektondesign.com/double-impact.html
Turntable:  VPI Prime Turntable
Phono amp: Croft RIAA tube
Cartridge: Nagaoka MP500
Amp:  Line Magnetic Audio LM-518IA integrated http://www.toneimports.com/

as noted -- I’m reeducating and will go to some shops around here if possible before my move -- I set the budget to get input and to shop for the redo of new stereo - mainly vinyl listening setup to enjoy these "golden years" -- I get it that my old experience from my "poorer" 70’s and 80’s days is ancient history - hence the education for today

I will be buying the setup after my move to Spokane WA

as noted in another thread -- it seems many places have limited choice on shops to audition things

I like the retro look of the luxman integrated amps -- if that helps a bit on me going somewhat retro here - they have a good rep it seems and have a decent starter phone stage built in it seems - I could bypass this later with separate phone stage as I learn -- other choices?

I'm not about massively loud volumes -- just clear - musical - voice and instrument separation decent soundstage for a moderate sized room -- not really a large room

thanks all for the feedback

It appears, though I may be wrong, that you want to do amp first approach not speakers first approach. This can be done but I think is more complicated and might limit your speakers choices.