Retirement Income Planning for Individuals Who Want Reliable Income and Lasting Confidence
For most people approaching retirement, the question that matters most is not how much money they have saved. It’s how much guaranteed income they will have every single month once the paychecks stop.
At True Classic Wealth, retirement income planning is what we do. Tony De Santis, a Retirement Income Certified Professional with over 30 years of experience, personally works with individuals ages 50 to 80 across the United States to build clear, personalized retirement income strategies designed to last a lifetime.
No junior advisors or generic templates. Just Tony, working directly with you from start to finish.
Not watered down or handed off to a junior advisor. Built personally, for you, from start to finish.
Two Buckets. One for the Bills. One for the Thrills.
After more than 30 years of helping people plan for and through retirement, Tony has seen a clear pattern: the people who
thrive in retirement are not necessarily the ones with the largest nest egg. They are the ones with enough guaranteed
income to cover their essential expenses every month, no matter what the markets are doing.
The foundation of every retirement income strategy Tony builds is the Classic Two-Bucket System.
Bucket 01
The Bills Bucket
reliable monthly income
Bucket One is structured to cover every essential monthly expense in retirement with
reliable retirement income, so the bills are paid without question, month after month.
Bucket 02
The Thrills Bucket
growth, enjoyment, experiences
Bucket Two is designed for growth, enjoyment, and the experiences that make retirement worth celebrating; travel, family, the things you’ve been working toward for decades.
Together, the two buckets create a retirement income structure that is both stable and fulfilling. You know the essentials
are covered and there’s room for what you love. That combination is what true retirement confidence actually feels like.
A Retirement Income Plan Built Around Your Life , Not a Generic Formula
No two retirements look the same. Your income sources, your monthly expenses, your family situation, your tax picture, and your risk tolerance are all unique to you. A plan that does not account for those specifics is not really a plan.
Tony begins every client relationship with a thorough risk tolerance assessment and a genuine discovery process to understand your full financial picture and what matters most to you.
From there, he builds a personalized retirement income strategy aligned with your real life. Tony also works with federal employees navigating TSP and FERS retirement decisions, one of the most underserved groups when it comes to retirement income guidance.
FREE GUIDE
Discover Your Retirement Happy Factor
What if you could know exactly how much income you’ll need to cover your bills and still enjoy the thrills of retirement? Our simple Retirement Happy Factor guide helps you measure where you stand today and gives you a clear picture of the income strategies that can bring you peace and real retirement joy.
Retirement Income Insights From the Road
Tony regularly shares clear, practical guidance on retirement income planning, the two-bucket approach, guaranteed income strategies, and more, written in plain English so you feel more informed and more confident about your retirement with every read.
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Retirement Income Planning: Frequently Asked Questions
We know you have questions. Here are honest answers to the ones we hear most often.
Do I have enough money to retire?
It depends less on a dollar amount and more on whether you have enough guaranteed income to cover your essential expenses every month. That is exactly what Tony helps you figure out.
What is the Classic Two-Bucket System and how does it work?
One bucket covers your essential monthly bills with guaranteed income. The other is built for growth and the things that make retirement enjoyable.
How is retirement income planning different from just having savings?
Savings gives you a balance. Retirement income planning gives you a paycheck that lasts as long as you do.
What if I have never worked with a financial advisor before?
Most of Tony’s clients haven’t either. His entire process is built to be educational, pressure-free, and easy to understand at every step.
What does the process look like and is there a fee to get started?
Tony’s three-stage process goes from Discovery to a no-fee Strategy session to Implementation. There is no obligation at any point.
Ready to Take the Wheel on Your Retirement?
You have worked hard to build what you have. Now it’s time to build a retirement income plan that preserves it, grows it,
and lets you actually enjoy it.
Tony De Santis is ready to have a real, no-pressure conversation about what guaranteed income, strategies to help minimize
taxation, and a clear personalized plan can do for your future.
There is no obligation or fee for your strategy session.
Just a clear path forward, built the classic way. Schedule your complimentary Discovery Meeting today.
Tony’s four retirement books are yours free when you do.
Four Books Free
·
No-Fee Strategy Session
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No Obligation