Hi, I’m Trent.
I help people near or in retirement turn what they’ve saved into a paycheck they don’t have to run themselves. I’ve been in the investment advisory business since 2013, and I’m an investment adviser representative of Schwartz & Co., Inc.
Most plans focus on saving. The harder part is spending: which account to draw from, in what order, and what that does to taxes. That’s the work I do for clients who want it handled. Prefer to build it yourself? Same approach on YouTube at Design Your Retirement Paycheck, and in Retire., the community and course.
How I work
Paycheck first
We start with the monthly number you need to live well, then design the accounts and withdrawals to deliver it. The portfolio serves the paycheck, not the other way around.
Which account you draw from first
Pre-tax, Roth, taxable, Social Security. The order you draw from these changes what you keep over a retirement, so it’s built into the plan from day one.
An ongoing plan, not a one-time PDF
Markets move, tax law changes, and life happens. The plan gets revisited and adjusted every year, and you always know what the next step is.
Who I work with
Pre-retirees and retirees, mostly in their late 50s through 70s. Some want to build the plan themselves, with good tools and people to compare notes with. Others want me to run it for them. Either way, the questions are the same: where does next month’s paycheck come from, in what order, and what does that cost in taxes?
Outside of work: married with two daughters, riding with Naples Velo, and involved in the local business community.
Not ready for a call? Start with YouTube or Retire. on Skool.