Retirement Income Planning Services Built for a Confident, Lasting Retirement
With over 30 years of experience and an education-first approach, Tony guides every client through a no-pressure process designed to replace uncertainty with clarity.
Just a Plan Built The Classic Way
Our services are designed for individuals and families between the ages of 50 and 80 who want a clear, reliable retirement plan built around their real lives. Whether you are still a few years from retirement or already living it, the goal is the same: cover the bills that must come, leave room for the thrills, and guard against running out of money.
Retirement Income Planning
The biggest challenge most people face in retirement is not how much money they have in the bank. It’s how much guaranteed income they will receive each month in retirement.
At True Classic Wealth, retirement income planning is built around the Classic Two-Bucket System.
- One bucket is designed to cover every essential monthly expense in retirement with reliable, guaranteed retirement income.
- The other is structured for growth, enjoyment, and the experiences that make retirement worth living.
Tony begins by conducting a thorough risk tolerance assessment and taking the time to understand your full financial picture. From there, he builds a personalized retirement income strategy that gives you the clarity and confidence to retire on your terms, knowing that the bills are covered every month, without question.
Retirement Investment Planning
Too many people leave their retirement savings to the whim of the markets, without a personalized strategy that reflects their goals, timeline, or tolerance for risk. At True Classic Wealth, retirement investment planning is never done in isolation.
Tony constructs personalized investment strategies built around:
- Who you are
- What you want to accomplish
- The role your portfolio plays in your broader retirement income plan
Every recommendation is research-backed, understandable in nature, and designed to align with your complete financial strategy.
With an education-first approach that has helped tens of thousands of people understand their options, Tony helps you know not just what you own, but why, and how it supports the retirement you have worked your entire life to build.
Tax Planning for Retirement
If you have a retirement account, the IRS has a plan for it. Required minimum
distributions, shifting tax brackets in retirement, and the growing complexity of
managing IRAs and other retirement assets mean that without a thoughtful strategy, you may be giving away more than necessary.
At True Classic Wealth, we design retirement strategies specifically intended to:
- Help clients minimize the amount of taxation they pay on their retirement accounts
- Help clients get divorced from the IRS in their retirement accounts, safeguarding what they have built and keeping their money working for them
Tax planning is not a one-time checkbox. It’s an ongoing, proactive part of every retirement strategy Tony builds, coordinated alongside your income and investment plan from the very beginning.
Estate Planning and Legacy
For most of the people Tony works with, the goal is not simply to have enough money for retirement. It’s to reach the end of their lives with something still left over, a legacy for the people they love.
Thoughtful estate planning helps you determine:
- How your wealth is transferred
- To whom
- On what terms
At True Classic Wealth, legacy planning is a core part of every retirement strategy, giving your confidence that the assets you have spent a lifetime building are preserved and passed on according to your wishes.
Tony works alongside your estate planning professionals to help develop and maintain a strategy that reflects your values, addresses your family’s needs, and shields the legacy you intend to leave.
Ready to Put Your Retirement on the Right Road?
The best time to start planning was years ago. The second-best time is today. Whether you are a few years from retirement or already living it, a clear, personalized retirement income plan built on classic, time-tested strategies can make all the difference.
Schedule your complimentary Discovery Meeting with Tony De Santis today. His four retirement books are yours free when you do.
No Fee
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No Obligation
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No Pressure