Partner, Financial Advisor
Principal ChFEBC, NSSA
My name is Brian Schmitz, I have been helping clients plan for their golden years since I graduated from Taylor University in 1995. While I was at Merrill Lynch I was part of a team that managed over $480 million of client’s hard-earned nest-eggs. I remember the incredible excitement clients had as they watched their accounts grow during the “internet bubble” of the late 90’s only to see the same clients shock and fear as the market entered a 3-year correction while the great technology bubble deflated.
I knew there had to be a better way to help clients than simply giving them a “pie chart” of their investments and the encouragement to “hang on – everything will be fine”. Having a true retirement plan is not about simply having a “pie chart” and the “hope” that the market does not have another bear market right when retirees need their nest egg the most.
Saving for retirement is completely different than living in retirement – when you may not have the time or ability to go back into the workforce and re-build your nest egg again – that is why we stress test a new client’s portfolio to see if they will run out of money in the event the market does not perform as expected. I have found that most clients enjoy our focus on developing a plan they know will work even if the stock market does not cooperate.
I have learned that retirement planning is very personal and requires me to fully understand what is most important to my retirees and how they want to live in retirement. Our goal is to give you the tools to feel confident in your retirement. Making sure a surviving spouse can continue to live the way he/she is accustomed along with passing assets onto the next generation in a tax-efficient manner are topics we discuss with clients regularly.
Having the correct social security claiming strategy can add $100,000 to $300,000 in additional benefits for an average retired couple. The fact, that getting the social security question right, is so important drove me to become a National Social Security Advisor (NSSA). As an NSSA I teach classes at local universities on the different claiming strategies and how retiree’s decisions impact their pension, required distributions from retirement accounts, and how to potentially save significant money on their taxes while in retirement.
I invite you to come to experience our fiduciary process. A process that will allow you to enjoy retirement, worry less about your investments, protect your family, and lessen your tax burden.
Partner, Financial Advisor
Principal ChFEBC, NSSA
Today we are living in a different world than we did 20 years ago. For most of your working life, you have been saving this wealth and watching it grow. It used to be enough to focus on the interest rate and the return earned by your money. It used to be that if you spent a lifetime working and then retired, the biggest worry on your mind was how much time do I have left? Today, more people are worried about outliving their funds, and questions about retirement planning have changed. How will future taxes impact your nest egg? How will you feel when you start spending this money?
My name is Thomas Rogers -after joining Edward Jones in 1999, the stock market had the worst three-year return we have seen in our lifetime. I gained valuable experience from listening to clients, building plans that work even if the stock market doesn’t go up every year, and gained a better understanding of how to protect your life savings. After leaving Edward Jones, I headed up a team that grew to manage over 1 billion dollars in assets. When we sold that company in 2008, these experiences gave me the confidence to start Structured Wealth Management.
If you’re worried about where the income will come from, wondering where to move the money, and how to keep it safe, then you owe it to yourself to get answers specific to your situation. I am here to help you design a plan you can have confidence in so you’re free to focus on the things most important to you.
Because we live in a sales-oriented world, we often find that many of the portfolios we review are set up with a one-size-fits-all mentality. When a strategy is structured and well-thought-out, with clearly defined goals written into the plan, then you have a direct line of sight to your future. Using the best of modern technology, proprietary software, and customized reports, we can show you exactly where you are now, how far away you are from reaching your goals, and how to get where you want to go—and stay. Destination: Retirement.
Future healthcare implications, tax hikes, when to take Social Security, and the impact of sudden loss all make it critical that you position your savings correctly to meet your goals. At Structured Wealth, we take pride in being called “Tax and Income Specialists”. This is what I wake up and love to do every day. Our team has completed over 20,000 tax returns, which gives us a better understanding of how to customize your tax-efficient income plan.
At our firm, we answer our phones, and we meet with you face-to-face. We offer access to virtually every kind of strategy, investment, and insurance solution you could possibly need. I invite you to experience our customized process, one designed to give you a greater sense of certainty with your retirement plan so that, finally, you can breathe a sigh of relief.
Family is one of the three pillars of my life and helping new clients feels like an extension of that family. It would be my privilege to serve as your advisor and help you make the right decisions for your family.
Junior Financial Adviosr
My name is Allie Teats – After earning my bachelor’s degree in Finance and Management at the University of Toledo in 2020, I joined the Structured Wealth Management team as a junior financial advisor. For nearly a year I worked at Structured Wealth Management as a finance intern before accepting a full-time position. I am working towards completing my National Social Security Association certification and getting my health and life insurance license.
Throughout my college experience there was multiple career paths I was deciding over. Ultimately after my internship with Structured Wealth Management and the positive experience I had in the financial advising industry, I discovered I thoroughly enjoyed helping individuals and couples in their retirement planning. My goal is to finish getting my certifications and give an additional aid to the team at Structured Wealth Management with Medicare advice for clients. I am continuing to gain experience and knowledge from our advisors, Thomas Rogers and Brian Schmitz. Working directly with our advisors I have become a point of contact for our clients in answering their daily questions and aiding them in their retirement planning.
Our firm is constantly looking for new investment options, strategies, and solutions to fit our client needs to better improve our overall client experience. I encourage you to take the opportunity to meet with our ever-growing business at Structured Wealth Management.
Investment Advisor Representative
Paul is a self-taught investment advisor representative with nearly 30 years of experience providing financial advice to family and friends aiming to provide solutions to clients that are simple, transparent, and accountable.
Paul “retired” in 2011 after a 34-year career with the U.S. Department of Agriculture (USDA), 20 of which were spent in Washington, DC, working in various capacities with the domestic and international agricultural industry. During that time, prudent, low-cost investing, which started as a personal necessity, became Paul’s hobby and lifelong passion. As a self-taught investor, he has managed money and provided financial advice to family and friends for nearly 30 years. Post retirement, Paul returned to the University of Toledo to complete his bachelor’s degree in interdisciplinary studies majoring in finance and communications. He graduated magna cum laude in 2012.
Since graduating in 2012 he has served as a licensed Investment Advisor Representative. His goal in helping others is rooted in the belief that if he can help improve a family’s financial situation, every other area of their lives will be influenced in a positive way. Thus, he aims to provide solutions that are simple, transparent, and accountable.
The financial world of the 21st century calls for sound, proven strategies & solutions. As the baby boom generation ages, private pensions vanish, & social security nears insolvency, personal investing becomes more important all the time.
Utilizing professional money management strategies and concepts, Paul strives to help his clients get the most “bang” for their investment buck while reducing downside and/or market-timing risk.
Paul, a Toledo native, grew up in the west side/Franklin Park area, graduating from Whitmer High School in 1976. He now lives in Holland, Ohio.
In his spare time (a relative term), Paul enjoys bicycling, traveling, spending time with his dog, Max, and simply relaxing in his easy chair working a crossword puzzle.
Plan For Your Future
There is no one “best place” to put your retirement money because each individual and couple has unique requirements, different tolerances for risk, and need their money at different times. Likewise, there is no one place to keep your money that fits everyone for exactly the same reasons. Your unique circumstances must be taken into consideration if you seek to find the “most favorable place” for your retirement money. This is where we can be of service.