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 Accurate. The bonus 0% is the sleep you sacrificed for this beautiful chaos.

Being a parent is 50% the most amazing experience in the world and 50% hoping you’re not screwing it all up.

Quick math though: Sale 325k − ~$24k selling costs (commissions/fees) − ~$227k remaining mortgage = ~$74k cash at closingThen subtract: ~$37.5k interest paid ~$24k taxes/insurance/maintenance Real net profit: around 12k (not $82.5k). Still a win thanks to leverage + timing, but the headline number skips most of the actual costs.

Why buying a house can be a smart Investment. We bought a nice house in 2023 for $260,000. Next week were selling the home for $325,000. We used a $26,000 down payment to buy the house. ..And will walk away with ~$82,500👌🏻

0:00 – Why Standard Calculators Are Incomplete 01:46 – The "Standard Analysis" and the Break-Even Age 02:34 – Case Study: Mike and Susan's Retirement Numbers 04:30 – Reason 1: Shortened Life Expectancy vs. Averages 06:53 – Reason 2: Lowering Your Portfolio Withdrawal Rate 09:44 – Reason 3: The Survivor Benefit Strategy for Couples 12:43 – Reason 4: Unlocking Dependent and Child Benefits 14:11 – Reason 5: The Safety Net (Protecting the Plan) 15:14 – How to Suspend Benefits at Full Retirement Age 15:50 – Summary: Coordinating Income, Taxes, and Portfolio 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.

The decision of when to claim Social Security is often reduced to a simple "break-even" calculation. However, for high-net-worth households, this narrow focus can be a costly mistake. Standard calculators almost universally recommend waiting until age 70. While mathematically sound in a vacuum, this advice often ignores the coordination risk inherent in a complex retirement plan. I’ve released a new video exploring five specific scenarios where claiming at age 62 is the more strategic move. Using a case study of a couple with a $1.5M portfolio, we analyze how the optimal strategy shifts when you look beyond the Social Security check alone. Key Strategic Considerations: 1) Portfolio Sequencing Risk: For our sample couple, waiting until 70 requires $912,000 in "bridge withdrawals." We examine the long-term impact of this strain on portfolio longevity. 2) Survivor Benefit Optimization: Poorly timed filings can inadvertently reduce survivor benefits by nearly $97,000. 3) The Family Benefit Component: Identifying the secondary benefits that many standard planning models overlook. 4) The "Liquidity vs. Guarantee" Trade-off: Determining when the safety of a guaranteed government check is outweighed by the flexibility of retained capital. Retirement planning is not about maximizing a single benefit; it is about coordinating your income plan, tax strategy, and portfolio structure. If you are evaluating your own filing strategy through the lens of your total financial ecosystem, this deep dive provides the framework you need. #NaplesFlorida #RetirementPlanning #RetirementIncome #SocialSecurity #PortfolioManagement

@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