Saved $500,000 or More for Retirement?
Three Potential Cracks Could Quietly Cost You — Even If You’ve Done Everything Right.
Watch this no-cost 12-minute video to see why the math that built your savings can quietly work against you once you start living off it — and potential structural changes Trevor walks through to help keep more of what you’ve built.
In the next 12 minutes, Trevor shows you:
1
Why “average returns” can mean a large loss once you start withdrawing.
2
How withdrawal order alone could swing your tax bill by a lot each year.
3
Why dependable income — not portfolio size — can help separate retirees who relax from those still second-guessing.
CLICK BELOW TO WATCH!
Find Any Cracks Before They Cost You
Trevor will walk through the same kind of inspection he runs with clients just like you. You’ll see what we believe to be structurally sound, where potential cracks may be, and what you can do about them.
No commitment on the spot.
Watch The Video If Any of This Sounds Like You
"I’ve saved roughly $500,000 to $5 million across 401(k)s, IRAs, or other retirement accounts."
“I’m inside 10 years of retirement — or already there — and the decisions are starting to feel less abstract.”
“I’m not sure what my tax bill really looks like once required distributions, Social Security taxation, and Medicare surcharges stack on each other.”
“My dependable income — Social Security, pension, anything else — doesn’t yet cover the bills I can’t skip every month.”
“I want a coordinated, customized look at the whole picture — not just another product conversation.”
What Your No-Cost Retirement Inspection™ Looks At:
This isn’t a second presentation. It’s a one-on-one conversation — by phone or video — where Trevor pressure-tests your actual numbers with you, in language you can follow.
Your income foundation
Know whether your essential bills can be covered by dependable income or could be exposed to the next bad market year.
Your tax coordination
See where tax drag may be costing you and whether Roth conversion timing is worth acting on.
Your withdrawals
See how your plan could hold up against a bad market year early in retirement, and whether the strategy that built your savings can actually carry them.
You’ll walk out with a clearer picture of your plan than many savers get from years of statements.
MEET Trevor Phibbs
Hi, I'm Trevor.
Trevor didn’t come to this work through the usual path — he started as a sportswriter. Personal finance came later, when marriage, a home, and a family made money feel a lot less theoretical.
After spending time inside a Fortune 100 financial institution, he saw how often regular savers were steered toward products and quotas when what they really needed was coordinated retirement guidance. So he built Phibbs Financial differently — focused only on retirement planning, designed to give everyday savers the kind of coordinated guidance often used by the ultra-wealthy.
Conversations without industry jargon. Coordination across decisions that often get handled in separate silos. A process built around understanding first, not asking for a commitment on the spot.
Trevor works with retirement savers in Utah and across the Western U.S. — by phone or video, so the inspection happens wherever you’re comfortable.
You’ve built something. Let’s help make sure every part of it is working together.
Watch the video. Then, when it makes sense, book the inspection and walk into the next conversation knowing what’s actually holding your plan together.
You won’t be asked to commit to anything on the spot. The conversation is meant to give you a clear-eyed look at how your financial house is built — and what, if anything, you might want to do about it.
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Licensed insurance professional. Investment advisory services offered through Phibbs Financial Services LLC, a registered investment advisor in the state of Utah and other jurisdictions where exempted. Insurance products and services offered and sold separately through its affiliate, Phibbs Insurance Services LLC, in all appropriate jurisdictions.
This information does not constitute legal, tax or investment advice, nor is it intended to recommend any particular investments, products, or financial instruments. Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. Past performance may not be used to predict future results. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. We are not affiliated with or endorsed by any government agency and do not provide tax or legal advice.