Fiduciary Wealth Management for Veterans & Business Owners
SWE90 provides fiduciary retirement planning, 401(k) optimization, and tax-efficient wealth management for veterans, military families, business owners, and high-income professionals throughout California and Texas.
Brett Henderson, a Marine Corps veteran, acts as a fiduciary for investment advisory services and is legally and ethically obligated to put your best interests first. Brokerage services are offered through Vanderbilt Securities, LLC, subject to Regulation Best Interest. Headquartered in Hermosa Beach, CA; advisory services available in jurisdictions where the adviser is registered or exempt from registration.
Recognition & Awards
NAPA Young Guns Award (2017)
National Association of Plan Advisors (NAPA). Recognition as one of NAPA's "Young Guns" (2017 selection), an annual list highlighting plan advisors under 40. Selection based on NAPA's published criteria, available at napa-net.org. No compensation was paid to obtain this recognition. The recognition is not indicative of future performance or any guarantee of client outcomes.
Awards reflect industry recognition for service and advisory excellence. They do not guarantee future investment performance or specific client outcomes. Selection criteria and methodology are available upon request.
Strategic Wealth Endeavor (SWE90) is a fee-based fiduciary wealth management firm in Hermosa Beach, California, specializing in retirement income planning and tax-efficient investing for veterans, business owners, and high-income professionals. Led by Brett Henderson, CIMA®, CPFA®, CEPA®, AIF®, the firm provides personalized, comprehensive financial guidance to help clients achieve their retirement and wealth preservation goals.
The fiduciary standard isn't optional; it's foundational. Veterans and business owners face complexity that commission-based registered representatives often miss. Our role is to translate complexity into clarity and ensure every recommendation puts your interests first.
Brett R. Henderson, CIMA®, CPFA®, CRPS®, CEPA®, AIF®, CLU®, BFA®
Founder; Strategic Wealth Endeavor, Inc.
Investment Advisor Representative, Consolidated Portfolio Review
Registered Representative, Vanderbilt Securities, LLC
United States Marine Corps Veteran
Fiduciary standard applies to investment advisory services. Brokerage services are subject to Regulation Best Interest. See Form CRS for full disclosure.
What Does a Fiduciary Financial Advisor Do?
A fiduciary financial advisor is legally and ethically obligated to act in the client's best interest at all times. Unlike commission-based registered representatives operating under suitability standards, fiduciaries must:
- Disclose conflicts of interest
- Provide transparent fee structures
- Recommend strategies aligned with client goals
- Disclose material information
At SWE90, fiduciary responsibility is foundational to every recommendation.
Fiduciary vs. Non-Fiduciary Financial Advisor: Key Differences
| Factor | Fiduciary Advisor | Non-Fiduciary (Suitability) |
|---|---|---|
| Legal Standard | Fiduciary duty under the IA Act 1940 (when acting as IAR) | FINRA Reg BI (best interest of retail customer at point of recommendation) |
| Compensation | Advisory compensation is fee-based. Brokerage activity (if any) may include transaction-based fees. See Form CRS. | Transaction-based compensation common |
| Conflict of Interest | Material conflicts must be disclosed in Form ADV Part 2 and Form CRS | Material conflicts must be disclosed under Reg BI |
| Product Selection | Selection guided by client's situation and advisory standard | Selection guided by Reg BI suitability and best-interest analysis |
| Regulatory Body | SEC / State (Investment Advisers Act) | FINRA (broker-dealer rules) |
| Typical Fee Structure | Advisory fees disclosed in Form ADV / advisory agreement | Commissions/markups disclosed in trade confirmations |
Legal Standard
Fiduciary
Fiduciary duty under IA Act 1940 (when acting as IAR)
Non-Fiduciary
FINRA Reg BI
Compensation
Fiduciary
Fee-based advisory; brokerage if any disclosed separately
Non-Fiduciary
Transaction-based
Conflict of Interest
Fiduciary
Disclosed in ADV Part 2 / Form CRS
Non-Fiduciary
Disclosed under Reg BI
Product Selection
Fiduciary
Per advisory standard and client situation
Non-Fiduciary
Per Reg BI
Regulatory Body
Fiduciary
SEC / State RIA
Non-Fiduciary
FINRA
Typical Fee Structure
Fiduciary
Advisory fees disclosed in advisory agreement
Non-Fiduciary
Commissions disclosed in trade confirmations
Source: SEC Investor.gov, FINRA, CFP Board Standards of Conduct
Brett R. Henderson provides investment advisory services through Consolidated Portfolio Review (fiduciary standard) and brokerage services through Vanderbilt Securities, LLC (Regulation Best Interest). Compensation may include advisory fees and/or transaction-based commissions depending on the service. See Form CRS for complete disclosure.
Retirement Income Planning
What Is Retirement Income Planning?
Retirement income planning is the process of converting accumulated assets into sustainable, tax-efficient income streams while managing risk and longevity.
It includes:
Tax-Efficient Investing
What Is Tax-Efficient Investing?
Tax-efficient investing coordinates capital gains, losses, asset placement, and withdrawal timing to reduce unnecessary taxation and improve after-tax returns.
Core strategies include:
Wealth Preservation Strategy
We integrate comprehensive strategies to protect and grow your wealth:
The SWE90 Retirement Planning Process
Our comprehensive retirement planning process at SWE90 is designed to provide clarity and confidence as you approach and navigate your retirement years.
Retirement Income Forecasting
We begin by meticulously forecasting your potential retirement income streams. This involves analyzing all anticipated sources, including pensions, social security, investment portfolios, and any other income-generating assets, to project realistic monthly and annual income throughout your retirement.
Tax-Efficient Withdrawal Strategy
Developing a tax-efficient withdrawal strategy is paramount. We identify the optimal order and method for drawing from various account types (taxable, tax-deferred, tax-free) to minimize your overall tax liability in retirement, maximizing the income available to you.
Portfolio Allocation Design
Your investment portfolio is carefully designed to align with your retirement timeline, risk tolerance, and income needs. We focus on creating diversified allocations that balance growth potential with capital preservation, incorporating strategies for sustainable income generation.
Risk and Longevity Management
We proactively address potential risks that could impact your retirement security, including market volatility, inflation, and healthcare costs. Longevity planning is designed to help support an asset structure that are structured to support you throughout your entire lifespan.
Legacy and Estate Coordination
Beyond your own needs; we help you plan for your legacy. This includes coordinating your estate plan with your wealth management strategy, ensuring your assets are distributed according to your wishes and minimizing potential estate taxes for your heirs.
Credentials & Professional Designations
At Strategic Wealth Endeavor (SWE90), our team holds distinguished professional designations that underscore our expertise and commitment to the highest standards of financial advisory practice:
CIMA® (Certified Investment Management Analyst)
Advanced knowledge in investment management and portfolio construction for sophisticated investment strategies.
CPFA® (Certified Plan Fiduciary Advisor)
Expertise in advising on retirement plans, helping support compliance and outcomes for participants.
CEPA® (Certified Exit Planning Advisor)
Specialized skills in helping business owners plan for successful exits, maximizing value and achieving financial goals.
AIF® (Accredited Investment Fiduciary)
Understanding of fiduciary responsibilities and commitment to acting in clients' sole best interest.
Reliable Resources for Your Financial Journey
To ensure you have access to the most accurate and comprehensive information regarding tax and retirement planning, we reference and recommend these official government and regulatory resources:
Federal taxation, tax laws, and forms
Investment regulations and investor protection
Investment firm regulations and investor resources
Social Security benefits and claiming strategies
Run Your Own Numbers
Use our calculators to explore your financial picture. No signup required. Results are illustrative only, not investment advice, and are not a guarantee of future performance; actual outcomes will vary.
Retirement Calculator
Are you on track? See if your savings will last through retirement.
Try it
The 90 Rule Calculator
Calculate how much you need to maintain 90% of your income in retirement.
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401(k) Fee Analyzer
Discover how much hidden fees are costing your retirement.
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Social Security Optimizer
Explore claiming strategy scenarios. Hypothetical illustrations show potential differences based on your inputs. Results vary significantly by earnings history, ages, and life expectancy. Not personalized advice.
Try itThese tools provide hypothetical, educational projections only and do not constitute personalized investment, tax, or legal advice. Results will vary based on individual circumstances.
Specialized Financial Planning for Veterans & Military Families
As a Marine Corps veteran himself, Brett Henderson understands the unique financial landscape military families navigate. From TSP optimization to VA benefits coordination, we speak your language.
What Makes Veteran Finances Unique?
Veterans face a distinct set of financial considerations that most advisors don't fully understand. Military pensions, Thrift Savings Plan (TSP) rollovers, VA disability benefits, and the transition from military to civilian careers all require specialized knowledge.
Why "AI" Is in Our Name: SWE90ai.com
We leverage advanced analytical tools to support deeper research, more comprehensive scenario analysis, and more thorough preparation; complementing Brett's professional judgment on every recommendation.
Our technology-enhanced approach doesn't replace human judgment, it amplifies it. Brett Henderson reviews all AI-generated insights to help ensure recommendations align with your unique situation and fiduciary standards.
How We Use AI for Your Benefit
401(k) Fee Detection
Reviews your plan's fee disclosure documents and fund expense ratios to help identify potential areas of cost reduction. Results depend on data provided. Some fees embedded in insurance or proprietary products may not be detectable. For informational purposes only.
Portfolio Risk Review
Reviews your current allocation against your stated risk tolerance and time horizon to surface concentration, sector, and asset-class exposures for discussion. Educational only; not investment advice or a recommendation to buy, hold, or sell.
Tax Optimization
Technology helps identify potential Roth conversion opportunities and tax-loss harvesting strategies. Suitability depends on your individual tax situation; consult a tax professional.
Retirement Readiness Review
Reviews your inputs (current savings, contributions, target retirement age, expected expenses) against published planning frameworks to highlight gaps for discussion. Educational only; actual results will vary and this is not personalized advice.
Why We Serve
Hear directly from Brett on why fiduciary advice matters and how we help veterans and business owners achieve financial freedom.
▶ Watch the video below
Watch Our Story
2 min • Learn why fiduciary advice matters
Who We Are
We are a team of credentialed financial advisors that specialize in retirement planning, business exit planning, wealth management, and more.
Who We Serve
As veteran entrepreneurs ourselves; we are passionate about helping veteran entrepreneurs and like-minded individuals succeed both personally and professionally.
Why We Serve
We value trust, hard work, and integrity, and believe you deserve a financial advisor that serves in your best interest.
The Veteran Entrepreneur Masterclass
Expert advice and resources for veteran entrepreneurs. Watch our podcast episodes and financial insights.
Learn About Brett Henderson and His Journey in the Financial World
Episode 1 • The Veteran Entrepreneur Masterclass Podcast
The Relationships Developed at Strategic Wealth Endeavor
How Dogs Can Be Lifesavers for Veterans
Is Your Retirement at Risk?
3 Critical Business Mistakes
Nervous About the Markets?
34 videos • The Veteran Entrepreneur Masterclass Podcast
Who We Serve
SWE90 primarily serves:
We serve clients in:
- Hermosa Beach, California , Headquarters
- Greater Los Angeles & South Bay
- California statewide
- Virtual advisory available in jurisdictions where the adviser is registered or exempt from registration
The SWE90 Planning Framework
Discovery
Understanding Your Vision
Analysis
Data-Driven Insights
Strategy
Custom Blueprint
Implementation
Precision Execution
Protection
Risk Management
Evolution
Continuous Optimization
Discovery
We begin with a comprehensive assessment of your current financial situation, goals, and values.
Analysis
Using advanced analytics and AI-powered tools, we identify opportunities and potential risks.
Strategy
We develop a personalized strategy aligned with your unique circumstances and objectives.
Implementation
We execute your plan with precision, handling all details and coordination with other professionals.
Protection
We help build multiple layers of risk management strategies around your wealth, designed to help protect your financial plan. Insurance products are subject to the claims-paying ability of the issuing company. No strategy can guarantee against loss.
Evolution
Your plan evolves with you through regular reviews, rebalancing, and strategy adjustments.
Discovery
Understanding Your Vision
We begin with a comprehensive assessment of your current financial situation, goals, and values.
Analysis
Data-Driven Insights
Using advanced analytics and AI-powered tools, we identify opportunities and potential risks.
Strategy
Custom Blueprint
We develop a personalized strategy aligned with your unique circumstances and objectives.
Implementation
Precision Execution
We execute your plan with precision, handling all details and coordination with other professionals.
Protection
Risk Management
We help build multiple layers of risk management strategies around your wealth, designed to help protect your financial plan. Insurance products are subject to the claims-paying ability of the issuing company. No strategy can guarantee against loss.
Evolution
Continuous Optimization
Your plan evolves with you through regular reviews, rebalancing, and strategy adjustments.
What Sets Our Framework Apart
Fiduciary Standard
When providing investment advisory services, Brett R. Henderson is legally and ethically obligated to act in your best interest. Brokerage services are offered through Vanderbilt Securities, LLC, subject to Regulation Best Interest. See Form CRS.
AI-Enhanced Analysis
Advanced technology tools, combined with human insight, to support informed analysis and decision-making.
7 Elite Credentials
CIMA®, CPFA®, CRPS®, CEPA®, AIF®, CLU®, BFA™; seven professional designations reflecting specialized training across financial planning disciplines.
Ready to see how our planning framework could help your situation?
Schedule Your Discovery SessionStrategic Financial Services
Comprehensive wealth planning designed to help align high-income professionals with long-term financial clarity.
Retirement Planning
Comprehensive retirement income strategies tailored to your lifestyle goals and risk tolerance.
Wealth Management
Holistic portfolio management combining investment strategy, tax optimization, and risk mitigation.
Business Exit Planning
Strategic preparation aimed at helping maximize business value and supporting a successful ownership transition. Results vary based on individual circumstances.
401(k) Review
In-depth analysis of your retirement accounts to optimize allocations and minimize fees.
AI-Powered Planning
Data-driven insights using advanced AI tools for scenario modeling and portfolio stress testing.
Our Ideal Clients
SWE90 specializes in serving clients who require sophisticated financial strategies and personalized attention.
High-Income Professionals
Executives and professionals earning $250K+ seeking sophisticated wealth strategies.
Business Owners
Entrepreneurs planning for exit, succession, or business transition.
Veterans
Military veterans who value discipline, integrity, and mission-driven planning.
Executives
C-suite and senior leaders with complex compensation and equity packages.
$1M+ Portfolios
Individuals with significant assets requiring personalized management.
What clients say about working with Brett
Long-term relationships with business owners, veterans and corporate leaders — many spanning a decade or more.
Comprehensive Financial Guides
In-depth resources covering every aspect of retirement and wealth planning
Retirement Planning
Complete guide to retirement
401(k) Strategy
Maximize your 401(k)
Fiduciary Advisors
Why fiduciary matters
Tax Planning
Strategic tax optimization
Estate Planning
Protect your legacy
Social Security
Claiming strategies
Business Exit
Sell your business right
Investment Management
Portfolio strategies
Research & Data
Expert Financial Guides & Resources
Explore our comprehensive topic hubs; each one aggregates guides, articles, tools, and research for easy navigation.
Retirement Planning
Complete guide to building sustainable retirement income
70+ articles →Wealth Management
Portfolio strategies, asset allocation & diversification
50+ articles →Tax Planning
Minimize taxes through strategic planning
60+ articles →Frequently Asked Questions
Get answers to common questions about fiduciary financial planning, retirement strategies, and SWE90's services in Hermosa Beach, California.
Ready to optimize your retirement and tax strategy?
Schedule a fiduciary consultation with SWE90. We'll review your current financial structure and discuss strategic next steps, with no obligation.
Call (310) 491-7045 or email team@swe90.com
This content is for educational purposes only and does not constitute tax or legal advice. Investing involves risk, including loss of principal. Investment Advisory Services offered through Consolidated Portfolio Review Securities offered through Vanderbilt Securities, LLC, Member FINRA/SIPC.