Financial Planning
Designed for
Real Estate Agents.
Protect Your Income,
Then Build With It.
We work with real estate agents on the two things commission income makes complicated: protecting it in case something happens, and building wealth in the good years and bad.
Not ready to schedule a call? Read the guide first.
What you walk away with
- You know exactly what happens to your income if you can't show homes, meet clients, or close a deal, and what it actually takes to close that gap.
- You have a clear answer to a question a lot of agents can't answer: where does your income go between closings?
- Your retirement structure is built for commission income, not borrowed from a system designed for a salary and a 401k match.
Real estate is one of the few professions where a strong year can still leave you exposed. This guide shows you where.
The five financial gaps that come up most often for real estate agents: income protection, life insurance, retirement structure, household coverage, and what happens to your cash flow between closings. Most agents have at least one open.
Our Approach
There's no group coverage to fall back on. No 401k with a match. Everything starts with what you build yourself.
Realtors come to us with a strong production year, a retirement account somewhere or nowhere, and no one in the background managing any of it. Nobody has shown them how it all fits together or where the cracks are.
That is where we start. Protection first: your income, your ability to keep earning, your family's security if something changes. Then we build out from there.
Schedule a ConversationProtect
You leave this conversation knowing exactly what happens to your income and your family if you cannot work. No gaps, no assumptions.
Clarify
Every account, every dollar of coverage, and every cash flow gap is visible in one place. You stop wondering where it all goes.
Build
Your retirement strategy is built for commission income and connected to your timeline, not a generic allocation sitting in an account you opened once.
Stay the Course
You have an advisor who reaches out before you have to. Reviews happen on a schedule, not when you remember to call.
What We See
The disability gap
If you can't show homes, meet clients, or host open houses, your income stops. There is no sick leave, no short-term disability from the brokerage, and no salary to carry you through a recovery.
Life insurance, anchored wrong
Many realtors who have life insurance chose the coverage based on the mortgage. The mortgage gets paid. Everything else, the bills, the childcare, the retirement contributions, does not.
The wrong vehicle
A SEP IRA caps contributions at 25% of net self-employment income. A Solo 401k may allow a meaningfully higher contribution for the same income, and the years spent in the wrong structure can't be recovered.
Feast or famine
A strong production year can feel like proof everything is fine. Then the lean stretch comes, and it starts to come apart. Without a system that routes income before it reaches a spending account, the default is to spend from strength and scramble from weakness.
Who We Serve
You have earned a lot. The planning should reflect that.
We work with three types of clients. Each has a different income structure, different risks, and different problems that tend to get overlooked until they are expensive.
Realtors & Real Estate Professionals
Commission income with no employer benefits behind it. No group disability, no 401k match, no one reminding you to enroll in anything. The protection, the retirement structure, and the cash flow system underneath your income are entirely on you to build.
- Income protection sized to replace commission income, not a salary
- Solo 401k and SEP IRA setup built for irregular income
- Life insurance sized to what your income actually needs to replace
- A cash flow system built for income that arrives in chunks
Business Owners & Entrepreneurs
Business owners with real revenue and no clear separation between personal and business finances. The retirement plan, the key person coverage, and the cash flow strategy all need to exist. They rarely do.
- 401(k) plan design and administration for your team
- Key person life and disability insurance
- Cash flow planning alongside the business
- Buy-sell agreement funding
Spouses & Households
When one person in the household earns commission income, the financial focus tends to stay there. The spouse's coverage, retirement account, and overall picture often get deferred. Deferred is fine, until it isn't.
- Life insurance for a spouse who doesn't earn commission income
- A retirement account that isn't reliant on one income stream
- A complete financial picture for the household, not just the primary earner
- Coverage reviewed together, not as an afterthought
Your Advisors
Meet The Team
Seth Holzwarth
CFP®, MBASeth has spent more than a decade in the qualified retirement plan space, helping employers and plan sponsors with plan design and participant education, offering products and services that are held to a fiduciary standard. He holds the CFP® designation, an MBA from Lake Forest Graduate School of Management, and has delivered hundreds of personalized financial plans since entering the industry in 2013.
Connect on LinkedIn
Merrick Robison
Financial AdvisorMerrick specializes in disability income protection and cash flow planning, with a growing focus on real estate agents and other commission-based professionals. His focus is the protection layer that everything else depends on, and the cash flow system to create control and flexibility.
Connect on LinkedInReady to Start?
One conversation gives you a clear sense of where you stand.
We look at your income, your coverage, your accounts, and your cash flow to give you a clear picture of what is working, what is not, and what to do next.
- How long 60 minutes. Enough time to actually look at the full picture.
- What happens We ask about your income, your coverage, and your goals. You get a clear read on where the gaps are.
- Who it is for Realtors, business owners, and commission-based professionals who haven't had a complete financial review or aren't sure their current plan is actually working.
- What comes next If it makes sense to work together, we will tell you what that looks like. If it does not, we will tell you that too.
Or reach us directly at Merrick.Robison@twealth.us
