i. Private wealth management · North Florida
For people about to retire, or already there. Two decades, on our own, for the families who chose us.
ii. Philosophy
Our investment process favors broad investment allocation in an effort to reduce overall portfolio volatility, but we still go after opportunities when we see them.
We run three model portfolios — income, middle of the road, and growth — that can be individualized if necessary, along with a cash alternative portfolio that pursues a higher yield than what may be available at the bank.
Within all three portfolios, we use options to pursue additional returns, hedge risk, or increase income — mostly through ETFs that now make institutional-grade strategies of the past available to common investors today. No annuities.
We also prefer to engage every client in a formal retirement planning process using Income Lab — mapping out spending, longevity, and income sustainability in detail. That planning work keeps our mutual eyes on the ball, and keeps every investment decision grounded in what your retirement actually requires.
"Investors don't want to be sold investment products. We are not salesmen for any investment product."— Bryan Trochessett
iii. Retirement planning
Retirement planning isn't a one-time event — it's an ongoing conversation between your portfolio and your life. Using Income Lab, we model your spending, your longevity, and the sustainability of your income so that the answer to "what can I spend?" is always close at hand.
Every personal client can utilize this living plan — one that updates as markets move, as spending changes, and as life evolves. The goal isn't a thick binder that sits on a shelf. It's a clear, current picture of where you stand.
We clearly answer "What can I spend?" and "Can I spend X?" Annual cashflow diagrams make it easy to see exactly where the money is coming from each year in retirement. We can plan for inflation-driven income raises, stress test your portfolio against historical market shocks, reduce income during lean years, and increase it after strong ones. And there's more to explore from there.
iv. Who we serve
Households approaching retirement.
1–3M typicalRecently retired families who depend on their portfolios or are investing for future generations.
Accredited preferredFamilies who prioritize family and want a relationship with an advisor who does the same.
North Florida + nationwide
Bryan Trochessett · Founder · Port St. Joe
San Blas Capital · Est. 2006
vi. How we work
We talk. About what you have, what you've been through, and what the next chapter is supposed to look like. No paperwork yet.
Using Income Lab or other tools, we define your goals and begin to set your course.
We go live with the plan and invest accordingly.
We provide quarterly investment reports along with commentary regarding highlights of the investment landscape and how we're approaching it.
v. About the founder
After getting his math degree, serving at a couple churches, then completing his MBA, Bryan started his financial planning career at Merrill Lynch in Naples, FL. One month shy of his 5th anniversary there — and after taking his own advice regarding real estate in 2006 and selling their 2 properties — he knew the fee-only, fiduciary Registered Investment Advisor route was more suitable for him, and began his business.
For two decades, the practice has run from a home office in North Florida, by design. He and his wife are mid-way through raising their 5 children. Bryan enjoys fishing the Forgotten Coast, hacking it up on the golf course, and going on adventures with his family.
vii. Frequently asked
viii. Begin a conversation
A short call to see whether the fit is right. No follow-up automation, no spam, no sales pressure.
A short call to see whether the fit is right. No follow-up automation, no spam, no sales pressure.
