Hidden Costs & The Private, Non-Qualified Retiree Pension Plan

A frank discussion about income now and a specific amount ten years from that you cannot outlive.

Location: The Grille at The Stone Creek Golf Course

Wednesday, July 8, 2026 - 1 PM to 3 PM - Call or Text 352-612-1000

Hosted by Truesdell Wealth, Inc.

A ‘true” fiduciary-based registered investment advisor. Home of Fixed Cost Investing™️.

Let's talk about something right now, that most financial advisors hope you never do the math on. That’s right, they do not want you to do the math on costs.

So, let’s say you are bringing in ten thousand dollars a month during your retirement. No debt, house and car are paid for. Life is comfortable. The bills are covered, you take a cruise or two each year, the grandkids get spoiled, and retirement feels like it is working pretty darn well in your fifty five plus community. And it is. today.

But here is what comfortable costs you over time.

At three and a half percent inflation — a historically modest assumption — that same lifestyle requires:

• Fourteen thousand one hundred and six dollars a month in ten years

• Nineteen thousand eight hundred and ninety eight dollars a month in twenty years

Nearly twenty thousand dollars a month just to live the way you live right now. That is not a scare tactic. That is arithmetic.

Now just think about how much you’ve been sending to your investment advisor who is bank rolling one to two percent of the value of your portfolio each year. The mob calls it The Vig. A barber calls it a hair cut.

And while inflation is doing its quiet work, there is a good chance your advisor is doing theirs, collecting that slow-bleed commission, year after year, on assets you think are working for you. Nearly ninety eight to ninety nine percent of traditional advisors are compensated this way. It is not illegal. It is just not aligned with your interests. That’s what makes us different and better.

Now add a wildcard. The death of a spouse. A long-term care event. A child who becomes laid off, gets a divorce, loses the house, and moves in with you. These are not worst-case fantasies — they are statistical realities for many retirees. And when this, that, and the other hits, income that was never properly structured tends to collapse exactly when it cannot afford to.

There is a better way to think about this.

Income now. Income later. Built on contractual guarantees you cannot outlive — regardless of what the market does, what Washington does, or what life decides to hand you.

This, my friends, is the real deal.