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We Specialize In Helping Pre-Retirees & Retirees Over 50 In The Traverse City Region And Beyond Optimize Their Financial Life And Secure Their Retirement Faster.

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We specialize in retirement planning

We are the go-to experts when it comes to helping Pre-Retirees and Retirees over 50 across the Traverse City Region & beyond that are looking for comprehensive retirement planning and investment management solutions.

Each of our clients approached our firm to get help solving major problems they couldn't seem to get the answers to from their previous financial advisor or on their own. 

The top questions we get from our clients and potential clients narrow down to these three:

These problems don't appear to be that difficult to answer at first thought, but when you dive deep into the complexities of each question and their subsets, you'll start to realize how difficult it is to crack the code and secure your retirement with confidence.

There are dozens of factors to consider in order to confidently answer each of these questions with precision. Some of them are:

  • Individual retirement accounts (IRAs)

  • Employer sponsored plans like a 401(k), 403(b) and 457 plans

  • Pensions

  • Social Security retirement benefits

  • Income taxes

  • Interest rates

  • Bank Accounts

  • Health savings accounts

  • Medicare/Medicaid

  • Real estate properties

  • Liabilities like a mortgage, personal loans or student loans

  • Inflation

  • Annuities

  • And more...

Many financial professionals, including those holding the CFP and CFA designation, might focus solely on your investment portfolios or even selling insurance products, skimming over your comprehensive plan. 

Few financial advisors are willing to dissect your entire financial life, peel back the onion, and bring everything together in a simple and effective way to optimize your financial future.

Diving deep into retirement planning

At MICAPITAL, we aren't afraid to roll up our sleeves to craft a state of the art retirement strategy. One that is truly optimized on all fronts, not just your investments or insurance. 

Our team really enjoys the challenges of complex planning and is how we allocate most of our time when adding value to our clients situations.

We prioritize planning first, and financial products second. We'll spend several weeks or even months with our clients during on-boarding and the comprehensive retirement planning process. Not because we are slow at what we do, but because we care about the quality of our client's financial plans and their understanding of them. 

Quality retirement planning takes time, both from us and from our clients.

Is this the type of expert help you've been searching for?

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Founder & Principal Retirement Planner

Trent Grzegorczyk is the founder and principal owner of MICAPITAL, a State of Michigan Registered Investment Advisor. 

Trent has been helping individuals and families secure their financial future for over 9 years. He works with clients locally in the Traverse City area, and also serves clients virtually throughout the U.S. He is an independent investment advisor and specializes in creating comprehensive retirement plans for individuals over 50. 

Trent's hobbies include cycling, CrossFit, traveling, and exploring beautiful Northern Michigan. He resides in Traverse City with his amazing wife, Alayna.

How we help you secure your retirement easier

  • Helping you get clarity around transitioning into retirement by developing a retirement vision & SMART goals.

  • Building you a simple, yet sophisticated retirement plan that we systematically update each month and send directly to your inbox.

  • Organizing your entire financial life and bringing all of the moving pieces together in an easy to understand plan that you can easily track from any device.

  • Optimizing your investments and aligning them with your retirement and financial goals.

  • Analyzing your Social Security retirement benefit options, pension and implementing the most efficient strategy so that each align with each other.

  • Analyzing your retirement cash flow/budget in order to determine how much you can spend in retirement without risking the chance of running out of money before the end of your retirement.

  • Showing you how to plan for an early retirement when Medicare, Social Security retirement benefits, and your pension don't start for several years.

  • Running what-if scenarios so you can fully understand your risks and to determine the financial strategy that makes the most sense for you, your needs, and your retirement goals.

  • Creating a tax friendly retirement account distribution strategy and minimizing excessive taxes generated from your non-retirement account investments.

  • Comparing the pros and cons for converting your Traditional IRA (pre-tax) money into Roth IRA (post-tax), showing you the long-term impact of each, and determining when/if to convert.

  • Consolidating your various retirement accounts like IRAs, Roth IRAs, Trusts and Individual investment accounts to one, secure third party custodian in order to simplify your wealth management, maximize your results, and protect your life savings.

  • Helping you rollover your old 401(k), 403(b), 457 or other employer retirement plans to one, secure third party custodian so that you can better monitor your investments and maximize your results.

  • Developing an asset allocation model according to your income needs, goals, risk tolerance and time horizon, then systematically re-balancing your investments to either capture gains, minimize risk, or take advantage of market opportunities.

  • Stress testing your investment portfolio regularly in order to see how various events like the Financial Crisis of 2008 - 2009 or the COVID-19 pandemic in 2020 could impact your portfolio and spending power in the future. 

  • Calculating your probability of success and making sure that it never falls below your comfort level of risk.

  • And MUCH more  

Is this the type of expert help you've been searching for?

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