Trent Grzegorczyk

Helping high-net-worth individuals design calm, tax-aware retirement income strategies.

[Trent Grzegorczyk @grzczyk]

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. 🧵

[Trent Grzegorczyk @grzczyk]

The hardest part of retirement isn't getting there. It's the moment you stop adding to the portfolio and start drawing from it.

The rules change. The math changes. The plan that built the wealth often isn't the plan that should fund the retirement.

I put together an 8-page guide on what that actually looks like:

→ Building a spending system with guardrails — not a fixed-percentage rule

→ The corridor between retirement and RMDs where Roth conversions matter most

→ Why a portfolio designed for accumulation can fail during distribution

Written for pre-retirees and recent retirees with $2M–$10M portfolios. Free, no email required.

https://t.co/ZpeAAorNNU

#naplesfl #retirementplanning

[Trent Grzegorczyk @grzczyk]

https://t.co/7fTh8tnkU2

[Trent Grzegorczyk @grzczyk]

https://t.co/RT1nN3RjPS

[Trent Grzegorczyk @grzczyk]

https://t.co/mDE3Xp2Pla

[Trent Grzegorczyk @grzczyk]

🤝 Subscribe to my channel for more retirement planning insights: https://t.co/UsNwXUZ3ZK

[Trent Grzegorczyk @grzczyk]

Momentum is built during the quietest periods. When progress seems to stall, it’s often a sign that you are solidifying your foundation for the next breakthrough. Stay disciplined, keep your head down, and trust the process.

#NaplesFlorida #RetirementPlanning #YouTube

[Trent Grzegorczyk @grzczyk]

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

[Trent Grzegorczyk @grzczyk]

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.

[Trent Grzegorczyk @grzczyk]

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.

[Trent Grzegorczyk @grzczyk]

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

[Trent Grzegorczyk @grzczyk]

@dougboneparth @dougboneparth 👀

[Trent Grzegorczyk @grzczyk]

@dougboneparth Depends on how much they need to spend.

[Trent Grzegorczyk @grzczyk]

https://t.co/3zoFT00rzJ

[Trent Grzegorczyk @grzczyk]

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.

https://t.co/cuq5esyEir

[Trent Grzegorczyk @grzczyk]

@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.

[Trent Grzegorczyk @grzczyk]

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.

[Trent Grzegorczyk @grzczyk]

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. 🧵

[Trent Grzegorczyk @grzczyk]

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?

[Trent Grzegorczyk @grzczyk]

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