Retire smarter. Reduce taxes.
Protect what you've built
At Marc Trost Financial, we help you create a personalized retirement plan that protects your income, minimizes taxes, and gives you the peace of mind to enjoy life on your terms.
Meet Marc Trost
With over 35 years in the financial industry, Marc Trost is a trusted financial professional who’s helped hundreds of families retire with confidence. His honest, hands-on, no-pressure approach is rooted in personal experience—and a deep commitment to doing what’s right for every client. Whether you're planning to retire in a few years or are already navigating retirement, Marc and his team are here to help you avoid costly mistakes and build a plan that actually works.
Trusted Financial Professional
35+ Years in Financial Services
Featured in Forbes, The Wall Street Journal, & More
Founder of Marc Trost Financial
Who We Help
No two retirements are the same—but one fear is universal: “Will I outlive my money?” We work with people who’ve done a great job saving, but aren’t sure if it’s enough—or how to turn it into consistent, lasting income. Whether you’re still preparing or already retired, we help ensure your income plan is built to last through whatever comes next.
Pre-Retirees
(5–10 Years Out)
You’ve worked hard and saved diligently—but you’re not sure how to turn those savings into a paycheck for life. We’ll help you build a strategy now to avoid regrets later.
Retirees
You’re already in retirement, but you’re realizing how complex it is to manage withdrawals, taxes, and market swings. We’ll help you stretch every dollar and preserve what you’ve built—so you never have to worry about running out.
Federal Employees
Your TSP, pension, and benefits are valuable—but without the right coordination, you could leave money (and security) on the table. We help you make sense of your options so your income lasts as long as you do.
How We Help You Retire With Confidence
Most people don’t have a retirement problem—they have an income problem. You’ve saved your whole life, but now it’s time to turn that into a steady, reliable income stream that lasts as long as you do. That’s where we come in.
Schedule a Free Consultation
We’ll have an open, honest conversation about your goals, your fears, and what retirement really looks like for you.
Get a Personalized Retirement Income Strategy
We design a plan to help ensure your money outlasts you—not the other way around. That includes tax-smart withdrawal strategies, income buckets, guaranteed income solutions, and contingency planning.
Retire with Confidence
You’ll move into retirement with a plan that gives you clarity, peace of mind, and the freedom to enjoy the life you’ve worked hard to build.
What We Help With
We offer a full suite of retirement planning services designed to help you protect what you’ve built and live life on your terms.
Our Services Include:
Retirement Income Planning
Turning your savings into predictable, lasting income
Tax Reduction Strategies
Keeping more of what you’ve earned through proactive planning
Investment Management
Aligning your portfolio with your income needs and risk tolerance
Long-Term Care Planning
Protecting your retirement from unexpected health events
Estate & Legacy Planning
Ensuring your wealth is passed on according to your wishes
Federal Employee Benefits Planning
Helping you navigate TSP, FEGLI, and pension options
401(k) & 403(b) Rollovers
Managing transitions with tax-efficiency and strategy
Social Security Optimization
Maximizing your benefits with smart timing and coordination
Instant Download
Maximize Your Retirement Savings with Roth Conversion Strategies
Are you looking for ways to reduce your tax burden in retirement? Our Roth Conversion Guide provides valuable insights on how to use Roth conversion strategies to potentially save thousands, in some cases millions of dollars in Federal taxes.
Convert your traditional IRA or 401(k) to a Roth IRA
- Maximize your retirement savings and minimize your Federal tax liabilities
- Create generational wealth to pass on to your beneficiaries
Real People. Real Results.
“Marc is one of the most caring professionals in his industry. He really takes the time to understand each of his clients financial needs, and crafts a very specific solution for them. It's very hard, if not impossible to find someone who both truly cares, and is as thorough and as detailed as he is. Would give him 10 Stars if I could!”
Andre Gutierrez
Client
“Marc clearly knows how to help you take care of your estate and retirement planning. Instead of just pushing a particular product like many others do, he works with you to figure out what's best for you and your family. I highly recommend him and his firm!”
Roger Michalski
Client
“Marc was on point and very informative and made sure I was comfortable, informed and that he knew my wants and need well before he made recommendations. He was thurough and very knowledgable and I look forward to the years ahead doing business with him.”
Deeds Horner
Client
Explore Our Smart Money Content Hub
Retirement isn’t just a moment—it’s a journey. And we’re here to help you stay ahead of the curve with weekly insights, interviews, and strategies you can use now and in the future.
The Smart Money Moves Podcast
Hear real conversations and practical advice on how to retire confidently, reduce taxes, and avoid costly mistakes.
Watch Us On YouTube
Watch short, impactful videos where Marc breaks down retirement planning strategies.
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Ready to Take the First Step?
You’ve worked hard for your money. Now it’s time to create a retirement plan that helps you keep more of it—and enjoy the freedom you’ve earned. Let’s make sure your next chapter is your best yet.
Frequently Asked Questions
1. How do you get paid if you don’t charge a fee for the first meeting?
Great question—and one we’re proud to answer. We don’t charge a fee to sit down and talk. If we end up working together, our compensation may come in the form of investment management fees or commissions paid by financial institutions for certain insurance or annuity products. But nothing happens until we both agree that it’s the right fit for your situation. No pressure. No upfront cost.
2. What if I already have a financial advisor?
No problem. Many of our clients came to us after working with another advisor. Sometimes, they just want a second opinion—or they’re looking for someone who takes a more holistic, tax-aware approach to retirement income. We’re happy to review your current strategy and help you determine if anything needs to change.
3. What makes your process different from other firms?
We don’t start with products—we start with people. Marc takes the time to understand your goals, health, family dynamics, and financial history before making any recommendations. This isn’t a one-and-done sales call. It’s a relationship designed to last through every stage of your retirement.
4. I’m selling a business or property—can you help me avoid a big capital gains tax bill?
Yes—this is one of our specialties. If you’re selling a business, investment property, or other appreciated asset, the right planning can make a huge difference. We help clients structure these events in ways that may significantly reduce or defer capital gains taxes using strategies like DSTs, charitable trusts, and tax-efficient reinvestment options. The earlier you plan, the more options you have.
5. What’s the biggest mistake people make when planning for retirement?
Waiting too long—or ignoring taxes. Many people have done a great job saving, but they haven’t considered how taxes, RMDs, and market downturns could impact their income later. We help you build a plan that protects your lifestyle and legacy—before it’s too late.