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    Contact Us

    2610 Horizon Dr SE #110,
    Grand Rapids, MI 49546

    (616) 965-6275

    Privacy Policy | Disclosure | Terms of Use | ADV 2A and Form CRS

    Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm nor does it indicate that the adviser has attained a particular level of skill or ability. Investing involves the risk of loss. Insurance, Consulting and Education services offered through SBC Financial. SBC Financial is a separate and unaffiliated entity from Simplicity Wealth.

    Our A+ rating from the Better Business Bureau (BBB) was awarded on 6/15/2015 and is based on a review of our business’s complaint history and operational standards. The BBB rating is a measure of general business practices and is not an endorsement or evaluation of the investment performance or quality of investment advice we provide to clients. The firm is a BBB Accredited Business and pays an annual fee to the BBB to maintain that accreditation.

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    Gold Medal Services

    When you work with SBC Financial, the final step is to take advantage of your Gold Medal Services. Gold Medal Services marks the beginning of your long-term partnership with us. We launch our ongoing Gold Medal Services, giving you continuous support and guidance throughout your financial journey. You’ll also gain access to your secure SBC dashboard, offering full visibility into your accounts and powerful tools for retirement planning and tracking your progress every step of the way.

    Onboarding

    Onboarding is all about setting you up for success. During this phase, we gather the necessary information to open your accounts and initiate the financial moves we’ve agreed upon. Our goal is to ensure a smooth and seamless process, establishing a strong foundation for your financial journey right from the start.

    Solutions

    Next, we review what our partnership might look like. From there, we introduce industry-leading financial planning tools to help determine the best solutions for your individual needs.

    The Discovery Process

    During the discovery step, our goal is to understand your retirement concerns, identify what’s most important to you, and develop tailored strategies for a secure retirement.

    Lowering Taxes On Investments And Income

    We’ve spoken with many clients about taxes, and one thing is clear: most investors want to pay less. We understand that concern, which is why we’ve dedicated ourselves to building a practice that addresses your tax planning needs. We use a variety of strategies, including tax-loss harvesting, Roth conversions, and Social Security tax planning, to help you make the most tax-efficient investment decisions. Tyler Cottle is a valuable member of our team, bringing his accounting expertise from Grand Valley State University to design personalized plans that help clients keep more of their hard-earned money. Our clients appreciate having a plan that not only prioritizes their best interests but also works to minimize the taxes they pay, so they can keep more of their wealth where it belongs—right in their pockets.

    Income Planning Focus And Clarity

    Income is a top priority for many when planning for retirement, and we understand the concerns that come with it. Common questions we address daily include: Will I outlive my money? How much income can I safely withdraw? How should I claim Social Security?

    We specialize in creating personalized retirement income plans that answer these tough questions. It’s incredibly rewarding to show our clients exactly how much they can withdraw and how long their income will last. The relief they feel when they know they can rely on a steady income for life is truly priceless. With the right income plan in place, retirement becomes something to look forward to, not something to fear. By designing a plan that meets your specific needs, we can eliminate the worry of running out of money or struggling to meet your financial obligations, giving you the peace of mind to enjoy your retirement the way you’ve always dreamed.

    Social Security Planning

    Social Security has become a large focal point in our practice. With over 2,700 rules in the Social Security program, our mission is to optimize your Social Security. We use a computer program to calculate hundreds of options to claim and identify the most beneficial choices to draw the most money out of Social Security. We provide a seminar just about every month that offers little known information on how to claim your benefits. We cover the Bipartisan Budget act of 2015 and how these phase outs can affect how you claim. We also cover how drawing off of your spouse’s Social Security may offer more income if you don’t have enough working credits. Another aspect we go over is how to coordinate spousal benefits and provide more income for the surviving spouse when one of you passes away. With many people asking if they should claim their income earlier or later, we have great information that addresses which may be the best direction for them.

    Our Client Experience

    We pride ourselves in offering an enjoyable investment experience from the moment you interact with your firm and throughout the many years we will be serving you. It is important to not only be educated to understand what is happening with your investments, but to also enjoy an atmosphere where paying attention to you and your account is our number one priority. As fiduciaries, your success is our standard.

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