# SWAN Retirement Strategies

SWAN Retirement Strategies is an Asset Manager based in Sarasota.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Sarasota
- **Founded:** 2021
- **Assets under management:** Undisclosed
- **Website:** swanstrategies.com
- **LinkedIn:** https://www.linkedin.com/company/murrell-winter-08a52460

## Regulatory record

- **CRD number:** 332099
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/332099

## About

SWAN Retirement Strategies (SWAN means Sleep Well At Night) is a family-owned, Florida-registered investment advisor providing comprehensive, data-driven financial planning and wealth management to clients nationwide. The firm creates individualized retirement plans focused on distribution planning, tax efficiency, Social Security analysis, protection services, and investment management. It offers both traditional and full-service virtual consultations, with complimentary phone and Zoom meetings, and is located in Sarasota, FL.

## People

- Murrell Winter

## Questions

### How does the SWAN approach handle sequence-of-returns risk?

Sequence-of-returns risk — the danger that early-retirement market losses cause permanent portfolio depletion — is the organizing problem behind the SWAN methodology. The firm uses a bucketing framework: near-term spending needs are covered by a 'safe' reserve of cash and bond holdings, while growth assets remain invested for longer-term returns. This structure seeks to prevent the need to sell equities into a down market and is articulated across SWAN's retirement-education content.

### What distinguishes SWAN from a conventional financial advisor?

SWAN's entire practice identity is built around the retirement-distribution phase. Unlike advisors who serve clients across the full life cycle — accumulation, decumulation, and estate transfer — SWAN concentrates solely on the period when portfolios transition from growth to income production. This narrow scope means the firm's processes for tax-efficient withdrawals, Social Security claiming strategies, Medicare coordination, and longevity-risk budgeting are more deeply embedded than at a generalist shop.

### Does SWAN Retirement Strategies use annuities or insurance products in client plans?

Some references in SWAN's publicly available consumer materials discuss guaranteed income sources, which can include annuity products, but the firm has not published a policy statement defining its stance on commission-bearing insurance sales. Advisors in the retirement-planning space often use fixed or variable annuities as tools for longevity-risk hedging; whether and how SWAN deploys them — and whether it earns compensation from product providers — is not disclosed in the record examined for this profile.

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Last updated: 2026-08-11T15:08:18.003Z

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