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This is our story, we look forward to hearing yours. At SWAN Capital, our sole focus is YOU.
Retirement expert Andrew McNair is the president of SWAN Capital. He specializes in the fields of retirement income, wealth preservation and estate planning. He has discussed retirement issues with hundreds of people and helped many improve their retirement plan.
Andrew developed an early passion for finance and began his investing and following the news of the financial world when he was just 14 years old. He pursued his early interests through high school and graduated from the University of West Florida with a degree in finance.
His career has been guided by his drive to help those most in need of financial planning and assitance. Andrew is the founder of the Veteran Benefit Project, a nonprofit organization dedicated to helping veterans receive all the benefits they are entitled to. He is also the author of "9 Reasons People Don’t See a Financial Professional," "Don’t Be Penny Wise & Dollar Foolish" and "Tithe: A Living Testimony," all of which offer practical, everyday advice for people seeking to better their financial situations.
Andrew specializes in developing innovative solutions to help his clients live well during their retirement years. This may include strategies to create significant tax reductions on retirement plans, thereby leaving more money available for his clients' enjoyment. Or, it could mean optimization techniques that guarantee principal while simultaneously maximizing growth opportunities. It might also include income optimization strategies which guarantee income while keeping tax liabilities to a minimum. He believes the ultimate goal is to protect a client’s investment while making their desired retirement lifestyle possible. Andrew finds that one of his biggest challenges is altering the client’s “accumulation paradigm”: when it comes to their financial investments, they must shake off the typical growth and accumulation mindset and transition to an asset preservation mode. Andrew states, “My expertise is helping clients see why a shift in paradigm is so essential.”
Andrew only works with retirees who meet very specific qualifications. The relationship begins with an initial meeting between Andrew and the prospective client. Andrew feels the initial meeting is a perfect opportunity for a prospective client to decide if SWAN strategies are a fit for them and for us to determine if the prospective client is a fit for us. Andrew confesses, “There have been times I had to encourage a prospective client that he or she was not a good fit with our firm. I encourage them to continue their search for a financial consultant who better aligns with their objectives.”
“A fully integrated retirement plan must include an income plan, a tax plan, a health care plan and an estate plan," Andrew said. "Sadly, many people either compartmentalize each plan or don’t have a sound plan in any one of those areas.”
“Today with pensions being a thing of the past and retirement accounts worn down by recessions, the majority of my clients’ main concerns are: ‘How do we spend down our assets and use them effectively and make sure we don’t run out of money — especially with how unpredictable the markets are,’" he said. "Clients are more fearful of outliving their money than the risk of dying.”
Andrew works to develop proven strategies to diminish or remove the anxiety traditionally related to retirement planning. “We work with families to create SWAN plans (Sleep Well At Night) in such a way that we guarantee retirement income for our clients and we have done that very effectively.”
Bio Coming Soon!
As director of operations, Marie is responsible for the day to day process and delivery of professional services for SWAN Capital. Marie’s passion is to make sure everything in the office runs smoothly so our clients can be sure that when it comes to paperwork through the office, that it is being handled efficiently but also appropriately.
Marie has over 25 years of experience working in the financial industry and is dually licensed with her life and variable annuity insurance license and has obtained a financial securities series 6 license.
In her personal time, Marie loves spending time with family, friends and staying active with tennis, golf and enjoying all the outdoor activities the beautiful Gulf Coast has to offer.
An avid sports fan, she stays true to the Fighting Irish of Notre Dame, as her dog, Rudy, can attest.
Gemma Owen is presently the director of client relations at SWAN Capital and assists clients with various services such as customizing their retirement income strategies. She handles all client events for the company, including scheduling and coordinating special promotional activities in the community. Gemma is also responsible for preparing and distributing client-related marketing, information and communication materials.
Gemma is a University of West Florida alumnus who studied business administration management and marketing. Born in Tampa, this Florida native is the youngest of 3 girls. Her mother, Debbie Howell, is Gemma’s number one role model. Now with two nieces and a nephew, Gemma prides herself in saying that family is the most important thing in her life. In her spare time, if she isn’t visiting with her family in Fort Walton Beach, you will probably find her at the park with her dogs, Calypso and Rusty.
To schedule a time to discuss your financial future and the possible role of insurance or investments in your financial strategy, contact us at firstname.lastname@example.org or call us at 850-380-9558 today!
By contacting us, you may be offered information regarding the purchase of insurance and investment products.
"The Changing Story of Retirement"
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