Tony De Santis True Classic Wealth

The centerpiece is what I call the IRS’s plan for your money. I show what happens to a typical retirement account if you do nothing: required minimum distributions, taxes, and what’s left for your children. Then I split it into three piles: what goes to you, what goes to your heirs, and what goes to the IRS. That’s usually when the room goes quiet. Most people have never seen the IRS’s share written as one number.

From there, I show people how to get “divorced from the IRS.” That means using Roth conversions, tax brackets and timing to move money out of the IRS pile and back to the family. Everything is in plain English, with images people remember long after the event. One is the “tax bomb” sitting inside their 401(k) or TSP. Another is why the safest choice and the best choice are two different questions.

It’s interactive. I check in constantly, take questions as we go, and use humor to make a dry subject human. Nobody leaves feeling talked down to.

If a client hired me, they’d get

A speaker with more than 30 years in the financial industry who has taught more than 10,000 people about retirement income and investing
Content shaped to the room: federal employees (FERS, TSP, survivor benefits), pre-retirees, retirees, couples and business owners
An educational presentation with no product pitch from the stage
Takeaways attendees can act on that week, including the three questions to ask about their RMDs, their tax bracket and their Roth conversion window
A copy of one of my guides for every attendee: The Basics of Annuities, Investing, Roth Conversions or The Thrift Savings Plan
Formats to fit the event: keynote, workshop, lunch-and-learn or webinar

My name is Tony De Santis, and I help people across the country prepare financially for retirement. Most advisors focus on growing a portfolio. Far fewer know how to turn savings into dependable, long-term income while protecting it from market downturns, so you can spend with confidence once the paychecks stop. That’s my specialty, and when they fit a client’s goals, annuities are often part of the plan.

I’ve worked in the financial industry for more than 30 years and have taught more than 10,000 people how to plan for retirement income. My work centers on two things: income designed to hold up in any market, and preserving the money you’ve worked hard to save. I’m passionate about giving individuals, couples and business owners the knowledge to take control of their financial futures.

I earned my B.A. in Economics from UCLA. When I’m not working with clients, I’m restoring classic cars or spending time with my wife and our four rescue dogs.