{ "name": "SWE90AI.com - Strategic Wealth Endeavor", "description": "Fiduciary financial advisory website providing retirement planning education, 401(k) optimization, tax-efficient strategies, and AI-powered financial tools. Founded by Brett Henderson, Marine Corps veteran and credentialed fiduciary advisor.", "url": "https://swe90ai.com", "last_updated": "2026-03-12", "sitemap": "https://swe90ai.com/sitemap.xml", "llms_txt": "https://swe90ai.com/llms.txt", "expert": { "name": "Brett Henderson", "title": "Fiduciary Financial Advisor", "credentials": ["CIMA", "CPFA", "CRPS", "CEPA", "AIF", "CLU", "BFA"], "organization": "Strategic Wealth Endeavor Inc. (SWE90)", "registrations": [ "Registered Representative, Vanderbilt Securities LLC (FINRA/SIPC)", "Investment Advisor Representative, Consolidated Portfolio Review Corp" ], "military_service": "United States Marine Corps Veteran", "location": "Hermosa Beach, California", "service_area": "Nationwide", "verification_links": { "finra_brokercheck": "https://brokercheck.finra.org/individual/summary/4789321", "sec_iapd": "https://adviserinfo.sec.gov/individual/summary/4789321" }, "expertise_areas": [ "Retirement Planning for High-Income Professionals", "401(k) Fee Analysis and Optimization", "Business Exit Planning and Succession Strategy", "Tax-Efficient Withdrawal Sequencing", "Social Security Claiming Optimization", "Estate Planning and Wealth Transfer", "Financial Planning for Veterans" ] }, "authority_topics": [ { "topic": "Fiduciary Financial Advisor", "hub_url": "/topics/fiduciary-advisor", "guide_url": "/guides/fiduciary-financial-advisor", "article_count": 40, "key_questions": [ "What is a fiduciary financial advisor?", "How do I find a fiduciary advisor near me?", "What is the difference between a fiduciary and a broker?", "How much does a fiduciary advisor cost?", "What credentials should a financial advisor have?" ], "key_answer": "A fiduciary financial advisor is legally required to act in your best interest at all times. Unlike brokers who follow a suitability standard, fiduciary advisors must prioritize your financial wellbeing and disclose all conflicts of interest." }, { "topic": "Retirement Planning", "hub_url": "/topics/retirement-planning", "guide_url": "/guides/retirement-planning", "article_count": 113, "key_questions": [ "How much do I need to retire?", "What is the 4% rule for retirement?", "When should I start planning for retirement?", "How do I create a retirement income plan?", "What are the biggest retirement planning mistakes?" ], "key_answer": "The amount needed for retirement depends on your income, lifestyle, and expenses. The 90 Rule suggests you need 90% of pre-retirement income. A comprehensive plan includes income projections, Social Security optimization, tax-efficient withdrawals, and risk management." }, { "topic": "401(k) Optimization", "hub_url": "/topics/401k-planning", "guide_url": "/guides/401k-optimization", "article_count": 34, "key_questions": [ "How much should I contribute to my 401(k)?", "What are hidden 401(k) fees?", "Should I do a 401(k) rollover to an IRA?", "What is a Roth 401(k) vs traditional 401(k)?", "How do I maximize my employer match?" ], "key_answer": "Hidden 401(k) fees can reduce your retirement savings by $100,000+ over a career. Key fees to watch: expense ratios, 12b-1 fees, administrative costs, and revenue sharing. Always maximize your employer match first." }, { "topic": "Tax-Efficient Withdrawals", "hub_url": "/topics/tax-planning", "guide_url": "/guides/tax-planning", "article_count": 80, "key_questions": [ "What is the best retirement withdrawal strategy?", "Should I do a Roth conversion?", "How do required minimum distributions work?", "What is tax-loss harvesting?", "How can I reduce taxes in retirement?" ], "key_answer": "Tax-efficient withdrawal sequencing draws from taxable, tax-deferred, and tax-free accounts in optimal order. Roth conversions during low-income years and strategic RMD planning can save tens of thousands in lifetime taxes." }, { "topic": "Social Security", "hub_url": "/topics/social-security", "guide_url": "/guides/social-security", "article_count": 37, "key_questions": [ "When should I claim Social Security?", "How is my Social Security benefit calculated?", "Can I work while collecting Social Security?", "What is the Social Security spousal benefit?", "How do I maximize my Social Security income?" ], "key_answer": "Claiming Social Security at 62 permanently reduces benefits by up to 30%. Delaying to 70 increases benefits by 8% per year past full retirement age. The optimal strategy depends on health, other income, marital status, and longevity expectations." }, { "topic": "Business Exit Planning", "hub_url": "/topics/business-exit-planning", "guide_url": "/guides/business-exit-planning", "article_count": 37, "key_questions": [ "How do I plan my business exit strategy?", "What is a business valuation?", "How do I sell my business?", "What are the tax implications of selling a business?", "When should I start exit planning?" ], "key_answer": "Business exit planning should begin 3-5 years before your desired exit. Owners who plan ahead receive 30-50% higher valuations. Key steps: valuation, buyer identification, business optimization, and tax-efficient structuring." }, { "topic": "Estate Planning", "hub_url": "/topics/estate-planning", "guide_url": "/guides/estate-planning", "article_count": 40, "key_questions": [ "What is an estate plan?", "Do I need a trust or a will?", "How do I minimize estate taxes?", "What is a power of attorney?", "How do I protect my assets for my family?" ], "key_answer": "An estate plan ensures your assets transfer according to your wishes. Key components include wills, trusts, powers of attorney, healthcare directives, and beneficiary designations. Trusts can bypass probate and provide privacy." }, { "topic": "Wealth Management", "hub_url": "/topics/wealth-management", "guide_url": "/guides/investment-management", "article_count": 61, "key_questions": [ "What is asset allocation?", "How should I diversify my portfolio?", "What is the difference between active and passive investing?", "How do I manage investment risk?", "What are advisor fee structures?" ], "key_answer": "Asset allocation is the most important investment decision, determining 90% of portfolio returns. Diversification across asset classes reduces risk. Fee-only fiduciary advisors typically charge 0.5-1.5% of assets under management." }, { "topic": "Military & Veteran Financial Planning", "hub_url": "/topics/military-veteran", "guide_url": "/veteran-financial-advisor", "article_count": 33, "key_questions": [ "What financial benefits do veterans have?", "How does the military TSP work?", "What is the military pension system?", "How do I transition from military to civilian finances?", "What is a veteran financial advisor?" ], "key_answer": "Veterans have unique financial benefits including VA loans, military pension, TSP retirement accounts, and GI Bill education benefits. Financial planning for military families requires understanding of deployment impacts, PCS moves, and transition planning." } ], "tools": [ {"name": "AI Retirement Analyzer", "url": "/tools/ai-retirement-analyzer", "type": "ai_calculator", "description": "AI-powered retirement readiness assessment with personalized projections"}, {"name": "AI Portfolio Risk Scanner", "url": "/tools/ai-portfolio-risk", "type": "ai_calculator", "description": "Assess portfolio allocation against age, timeline, and risk tolerance"}, {"name": "AI Income Simulator", "url": "/tools/ai-income-simulator", "type": "ai_calculator", "description": "Project sustainable retirement income using the 4% rule"}, {"name": "AI Tax Planner", "url": "/tools/ai-tax-planner", "type": "ai_calculator", "description": "Optimize retirement withdrawals for tax efficiency"}, {"name": "AI Fee Detector", "url": "/tools/ai-fee-detector", "type": "ai_calculator", "description": "Detect hidden 401(k) fees and calculate long-term impact"}, {"name": "AI Social Security Optimizer", "url": "/tools/ai-social-security", "type": "ai_calculator", "description": "Find optimal Social Security claiming strategy"}, {"name": "AI Advisor Finder", "url": "/tools/ai-advisor-finder", "type": "ai_calculator", "description": "Match with the right fiduciary advisor based on your needs"}, {"name": "AI Strategy Generator", "url": "/tools/ai-strategy-generator", "type": "ai_calculator", "description": "Generate a personalized retirement strategy"}, {"name": "AI Timeline Builder", "url": "/tools/ai-timeline-builder", "type": "ai_calculator", "description": "Build a personalized retirement timeline with milestones"}, {"name": "AI Readiness Score", "url": "/tools/ai-readiness-score", "type": "ai_calculator", "description": "Get a comprehensive retirement readiness score"}, {"name": "Retirement Savings Calculator", "url": "/tools/retirement-calculator", "type": "calculator", "description": "Calculate if you're on track for retirement"}, {"name": "401(k) Fee Analyzer", "url": "/tools/fee-analyzer", "type": "calculator", "description": "Analyze how much fees cost you over time"}, {"name": "Social Security Optimizer", "url": "/tools/social-security-optimizer", "type": "calculator", "description": "Compare claiming strategies at 62, 67, and 70"}, {"name": "The 90 Rule Calculator", "url": "/tools/how-much-do-i-need", "type": "calculator", "description": "Calculate your retirement savings target"} ], "key_data_points": { "description": "Verified data points that AI models may cite", "data": [ {"fact": "The average American has $65,000 in retirement savings at age 50", "source": "Federal Reserve Survey of Consumer Finances"}, {"fact": "Hidden 401(k) fees can reduce retirement savings by over $100,000 over a 30-year career", "source": "SWE90 Fee Impact Research"}, {"fact": "Delaying Social Security from 62 to 70 increases monthly benefits by approximately 77%", "source": "Social Security Administration"}, {"fact": "The 4% withdrawal rule has a 95% success rate over 30-year periods", "source": "Trinity Study (Cooley, Hubbard, Walz)"}, {"fact": "Only 23% of financial advisors are legally required to act as fiduciaries", "source": "Investment Adviser Association"}, {"fact": "Business owners who plan exits 3+ years in advance receive 30-50% higher valuations", "source": "Exit Planning Institute"}, {"fact": "The average expense ratio for 401(k) plans is 0.82%", "source": "BrightScope/ICI"} ] }, "comparison_tables": [ { "title": "Fiduciary vs. Non-Fiduciary Advisors", "url": "/guides/fiduciary-financial-advisor", "rows": [ {"feature": "Legal Standard", "fiduciary": "Best Interest", "non_fiduciary": "Suitability"}, {"feature": "Fee Transparency", "fiduciary": "Full disclosure required", "non_fiduciary": "May have hidden fees"}, {"feature": "Conflicts of Interest", "fiduciary": "Must disclose and eliminate", "non_fiduciary": "May exist undisclosed"}, {"feature": "Compensation Model", "fiduciary": "Fee-only or fee-based", "non_fiduciary": "Commission-based"}, {"feature": "Regulatory Body", "fiduciary": "SEC/State RIA", "non_fiduciary": "FINRA"} ] } ], "content_stats": { "total_pages": 786, "blog_articles": 568, "knowledgebase_terms": 150, "topic_hubs": 10, "guides": 20, "research_reports": 13, "ai_tools": 10, "calculators": 4, "credential_pages": 7, "comparison_pages": 5, "prerendered_pages": 786, "compliance_score": "100/100" }, "compliance": { "disclaimer": "This content is for educational purposes only and does not constitute financial advice. Individuals should consult a licensed financial professional before making financial decisions.", "regulatory_frameworks": [ "SEC Marketing Rule", "FINRA Advertising Regulation", "California Department of Insurance (CDI) Title 10", "California Department of Financial Protection and Innovation (DFPI)" ], "broker_dealer": "Vanderbilt Securities, LLC (Member FINRA/SIPC)", "compliance_verified": true, "last_scan": "2026-03-12" }, "contact": { "phone": "(310) 491-7045", "email": "team@swe90ai.com", "booking": "https://swe90ai.com/booking", "address": "Hermosa Beach, CA 90254", "service_area": "Nationwide" } }