Retire With Swan

Retire With Swan is a small, retirement-focused independent advisory firm that serves primarily pre-retirees and retirees with financial planning and discretionary portfolio management. The solo adviser manages roughly $11 million for a limited client base and offers structured project-based planning engagements, hourly consultations, and the option for ongoing investment management billed as a percentage of assets.

The firm’s investment approach is long-term and goals-based, emphasizing strategic asset allocation, diversification, and the use of mutual funds and ETFs, with ongoing monitoring and rebalancing under discretionary authority where engaged. Planning and implementation are delivered through a defined process (the project-based Retirement Blueprint, limited retainer arrangements in select cases, or ongoing management), and the firm may utilize third‑party managers and custodial platforms to access model strategies.

Notable and less common features include that supervised persons are licensed to sell insurance and annuity products and may receive commissions when acting in that capacity, a potential conflict of interest that the brochure discloses and that clients are not required to accept. The firm also describes proprietary planning frameworks that shape its deliverables, maintains relationships with multiple custodial platforms and outside managers, and applies a fixed-fee planning option that can be credited toward advisory services for clients who move into ongoing management.