Trent Grzegorczyk, Founder of Corso Wealth in Naples, Florida
About

Trent Grzegorczyk

Founder & Lead Advisor, Corso Wealth

"You spent decades building it. Let's make sure it lasts."

Practicing since 2013 Naples, Florida Fee-only fiduciary
The work

Distribution is the half of retirement that nobody teaches.

I have been a practicing financial advisor since 2013. Corso Wealth is the practice I built for one specific kind of client: the disciplined saver who is approaching, or already in, retirement — and who is now responsible for a portfolio that has to last longer than they have ever had to plan for.

Accumulation is taught everywhere. Distribution is taught nowhere. The advisor who got you to retirement is often not the advisor who can help you live in it. The skills are different. The math is different. The mistakes are different — and many of them are irreversible.

My practice is built around a single conviction: in retirement, coordination is the product. The withdrawal order matters. The Roth conversion window matters. The Social Security timing matters. The IRMAA bracket two years from now matters. The widow's penalty matters. No single one of these decisions makes a retirement. But a coordinated answer to all of them, executed deliberately year after year — that is what a retirement income plan actually is.

I am based in Naples, Florida. Most of my clients live in Naples, on Marco Island, and across Collier County, though I serve households nationally.

What I focus on

Six interlocking specialties.

Each chosen because it rewards coordinated attention — and punishes the absence of it.

01

Retirement income & the paycheck system

Designing a coordinated monthly income stream that ties together Social Security, withdrawals, pensions, and RMDs — so retirees know exactly where every dollar comes from, when, and for how long.

02

Roth conversion strategy

Identifying and sizing conversions inside the narrow window between retirement and the start of Required Minimum Distributions. Used well, this window can reduce lifetime taxes by six figures. Used poorly, it disappears.

03

Tax planning & multi-year optimization

Bracket management, capital gains harvesting, qualified charitable distributions, asset location, and coordination with the household's CPA. Thinking in 5- to 15-year tax windows, not single years.

04

Portfolio restructuring for distribution

The shift from accumulation to decumulation. Sequence-of-returns risk. Downside protection. Cash and buffer structure. A bias toward low-cost, broadly diversified ETFs and index funds.

05

Dynamic withdrawal guardrails

A withdrawal framework that adjusts to portfolio reality rather than rigidly adhering to a fixed percentage. The static 4% rule is the wrong operating model for real retirees.

06

Estate, legacy & the widow's penalty

Beneficiary-designation hygiene, the Roth advantage for surviving spouses, trust coordination, and the disproportionate financial burden a surviving spouse can face after a death in the household.

How I work

A few principles that shape every engagement.

Plan first, then portfolio.

Decisions about when to convert, how to draw income, and what to defer come before any portfolio implementation. A portfolio without a plan is a guess in expensive clothing.

Decision-ready, not comprehensive.

A clear recommendation with named next steps is worth more than a forty-page projection. The goal is for clients to know, every quarter, exactly what they should be doing.

Lifetime tax, not annual tax.

Tax decisions get modeled across the retirement horizon, not optimized for the current year. The "tax savings" that look good in April often cost more by July of the year RMDs begin.

Coordination is the product.

The edge is not any single tax move or investment decision. It is the discipline of coordinating CPA, estate attorney, Medicare, Social Security, withdrawal sequencing, and portfolio — together, every year.

Irreversibility matters more than optimality.

The goal is not to be perfect. It is to avoid the irreversible mistakes — claiming Social Security at the wrong age, missing the conversion corridor, naming the wrong beneficiary — that quietly compound over decades.

Who I work with

The fit is specific.

Most Corso Wealth clients share a profile:

I work best with people who want to be active participants in their plan, not passive observers of it. I am not the right fit for clients who want a stock-picker, a market-timer, or someone selling commissioned products.

Background & affiliations

The details.

Practicing since
2013
More than a decade working with households on retirement income, tax strategy, and portfolio management.
Role
Founder, Corso Wealth
Investment Adviser Representative with Savvy Advisors, Inc., an SEC-registered investment advisor.
Compensation
Fee-only
Compensated only by clients through advisory fees. No commissions, no insurance or annuity sales, no third-party payments.
Standard
Fiduciary
Held to the fiduciary standard at all times — required to act in clients' best interests, not merely recommend products that are "suitable."
Platform
Savvy Advisors, Inc.
An SEC-registered investment advisor with over $6 billion in assets under management across its advisor network.
Client reviews
5.0 ★ on Google
Unsolicited five-star reviews. Read on Google.
Office
Naples, Florida
999 Vanderbilt Beach Rd, Suite 200
Naples, FL 34108
Service area
National
Most clients are in Naples, Marco Island, and across Collier County. Corso Wealth serves households nationally via video and phone.
The team

The work is coordinated. So is the team.

I am the lead advisor on every Corso engagement — but the day-to-day operations, account service, and behind-the-scenes coordination that make the work seamless are handled by a small team.

Klansi Hess, Senior Client Associate at Corso Wealth
Klansi Hess
Senior Client Associate

Klansi began her financial services career in 2015 in the San Francisco Bay Area. She uses her background in business administration and broad experience in retail banking and wealth management to assist clients with administrative and account service needs.

Outside of work, Klansi volunteers with the Salvation Army's health and fitness department and is passionate about educating the community on how to better live a healthy lifestyle. In her free time she loves to travel, try new restaurants, and spend time with family and friends.

If this is the work you need, let's talk.

Thirty minutes on the phone. Bring questions; bring skepticism. We’ll figure out together whether Corso is the right fit.

Book a Free Intro Call Read the Essays
Email trent@corsowealth.com Phone (239) 268-6858 LinkedIn in/trentgrzegorczyk
Practicing since 2013 Fee-only fiduciary Naples, Florida
The financial professionals with Corso Wealth are investment adviser representatives with Savvy Advisors, Inc. ("Savvy Advisors"). Savvy Advisors is an investment advisor registered with the Securities and Exchange Commission ("SEC"). Corso Wealth is used as a marketing name only and is not separately registered. All advisory services are offered through Savvy Advisors. For information about Savvy, visit our website: www.SavvyWealth.com. For more information about Savvy's investment advisory business, please see our Form ADV and Form CRS.
Reviews on Google were not solicited with compensation. Individual client experiences may not be representative of all clients. Past performance is not indicative of future results.