Trent Grzegorczyk

1/ One retiree has $1.9M. The other went broke. Same 1M start. Same 4K/month withdrawal. Same retirement date — January 2000. The difference is the silent killer of retirement plans nobody talks about. 🧵

@dougboneparth @dougboneparth 👀

@dougboneparth Depends on how much they need to spend.

Is $100,000,000 enough to retire on?

The 550% sounds insane until you actually run the numbers. For a $7M producer, the package works out to $38.5M — $17.5M paid upfront as a forgivable loan, $21M on the back end tied to hitting hurdles, stretched over a 16-year note. That producer is bringing roughly $875M in assets. UBS’s grid tops out around 59.5%, so they’re taking home about 52% all-in. That leaves UBS with $3.36M a year in gross profit on advisory fees. Over 16 years, you’re looking at $54M against a $38.5M package. The deal already works on the advisory side alone. Then there’s the bank charter, which is the part most people miss. A book that size has roughly $26M sitting in client cash, plus lending — SBLs, mortgages, all of it. At today’s spreads, that’s another $1.85M a year of margin the firm keeps. Add it up and UBS is pulling in around $5.2M a year per team. Over 16 years, that’s $83M against a $38.5M package. Break-even hits somewhere around year four. So they’re not really paying for the advisory revenue. They’re paying for the cash and the lending. advisorhub.com/exclusive-ubs-…

@MarketPalmer_ Now the financial metric that actually matters... Top 5% (around 210k single) saves/invests roughly $30k–$50k a year. Top 1% saves/invests around $170k–$250k a year. Top 0.1% ($2.8M–$3M+) saves/invests $1.2 million to $1.7 million+ a year. The gap gets insane at the very top.

Salary needed to be in the... Top 5% in the United States: $210,000 Top 4% in the United States: $250,000 Top 3% in the United States: $300,000 Top 2% in the United States: $320,000 Top 1% in the United States: $450,000 Top 0.1% in the United States: $2,800,000 There is rich...and there is ultra-rich.

All advisory services are offered through Savvy Advisors, Inc. ("Savvy Advisors"), an investment advisor registered with the Securities and Exchange Commission ("SEC"). Savvy Wealth Inc. ("Savvy Wealth") is a technology company and the parent company of Savvy Advisors. Savvy Wealth and Savvy Advisors are often collectively referred to as "Savvy". The views and opinions expressed herein are those of the author and do not necessarily reflect the views or positions of Savvy Advisors.

1/ One retiree has $1.9M. The other went broke. Same 1M start. Same 4K/month withdrawal. Same retirement date — January 2000. The difference is the silent killer of retirement plans nobody talks about. 🧵

9/ So stop asking, "What's my Monte Carlo success rate?" Ask this instead: What in my plan absorbs the hit if the market drops 30% in year one — and where does next month's paycheck come from?

8/ It's what happens when your plan is an accumulation portfolio dressed up for a distribution job.

@_knolan @projection_lab Does it show a break even analysis?

Just shipped a tax strategy optimizer that saves the median household $300,000 in lifetime taxes. Really exciting to make powerful tools like this accessible to everyone. And kinda crazy to realize I've been working on @projection_lab for half a decade now. #buildinpublic

@markcecchini When the tax bill has six or seven figures in it, 'just sell' isn't an answer, it's a mistake. These overlays are where the real work happens. Great summary, @markcecchini

“Just sell and pay the tax, sir” Sure, that should always be an option. Plenty of reasons to do so. Stopping there might work if you’re a junior advisor just starting out at your Dad’s wealth management firm with no experience. For everyone else looking to step into the big leagues, here are several tax-aware investment strategies and concentrated stock tools you might want to get familiar with:

If you have 2M+, you likely have enough money. The question is: do you have a system that lets you use it without constant second-guessing? #NaplesFlorida #RetirementPlanning #WealthManagement

⚠️ The 3 Biggest Retirement Killers: Guessing at withdrawals instead of using math. One-year tax thinking (looking only at April 15th, not the next 20 years). Chasing performance instead of optimizing for purpose and stability.

🧵 The "Distribution Shift": How to Retire with $2M–$10M Most people spend 40 years learning how to accumulate wealth, but 0 minutes learning how to distribute it. When you retire, the rules of the game change. Here are the 3 pillars of a resilient retirement income system: