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Wyatt Swartz

Personal Finance, Retirement, Investing
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“As the Owner and Primary Investment Advisor at W. Swartz, Co., Wyatt Swartz is committed to helping clients reach their financial goals through more effective asset management.”
Firm:

W. Swartz & Co., LLC

Job Title:

Owner & Wealth Adviser

Biography:

Wyatt takes a holistic approach in providing personalized financial advice for individuals, families, and business owners.

Since 2011, Wyatt has worked with his clients to achieve their financial goals. He has guided clients through major life and market shifts using comprehensive and personalized wealth planning. Wyatt began his career as a Financial Advisor with Renaissance Financial in St. Louis, Missouri. Here, he developed a comprehensive understanding of financial planning and the financial services industry. Wyatt then joined Fisher Investments in San Mateo, California as an Investment Counselor. At Fisher Investments, he had extensive training and experience in portfolio management, capital markets theory, and managed a roster of over 100 high net worth clients. In 2015, Wyatt started W. Swartz & Co., LLC Wealth Management, a fee-only Registered Investment Advisory (RIA) firm. 

Wyatt has a passion for self-study and improvement. Growing up as an athlete combined with his background in history, he’s developed habits which ensure he is constantly refreshing and expanding his knowledge base. He believes in providing real expertise to his clients, as opposed to most in the industry which sell products. Wyatt believes that the modern investor deserves to work with an expert that is always acting as a fiduciary. Wealth management should not be a franchise.

Wyatt and his wife Andrea welcomed their daughter Eloise in February of 2019. They love the joys and challenges of being new parents, and spending time with their family & friends. They enjoy staying active and involved. Andrea is a health and fitness enthusiast and Wyatt is an avid water/snow skier, and golfer. Wyatt gives back as a committee board member for the World Pediatric Project, and as a volunteer football coach.

Education:

BS, Business Administration, University of Missouri – Columbia
BA, History, University of Missouri – Columbia

Fee Structure:

Fee-Only

CRD Number:

256786

All Answers
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As an independent contractor who makes about $145,000 per year, what are my best options to save for retirement?
100% of people found this answer helpful

If your goal is to put the absolute most possible into tax-advantaged retirement accounts each year then a solo - 401(k) will be your best option. A SEP IRA will be your second best option and depending on a number of other circumstances should be considered. 

Two more things to consider:

1. If you all do not have additional pre-tax/traditional IRAs you and your wife should make non-deductible maximum contributions to IRAs, and then convert them to Roth IRAs. Taking a few additional steps to max out Roth IRAs. 

2. Also a unique idea you might consider woudl be making maximum contributions to your SEP IRA and converting it to a Roth each year. There by getting to contribute way more than the standard $5,500 per person Roth limits. 

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