Terian Consulting, Inc

Terian Consulting, Inc I am a Financial Strategist and I help business owners become lawsuit proof & create tax free income

I get some version of "let's wait and see" almost every month. Wait for the election to pass. Wait for rates to move. Wa...
09/02/2026

I get some version of "let's wait and see" almost every month. Wait for the election to pass. Wait for rates to move. Wait for the market to calm down. It is a reasonable-sounding sentence, and it has been true in some form for twenty-three straight years, because there is always a next uncertain thing on the calendar.

The people who waited for calm before making a decision are, on average, the same people still waiting. Calm is not a season that arrives. It is a story you tell yourself to avoid a decision that feels final.

What actually changes the outcome is not picking the perfect month. It is deciding what portion of your income needs to stop depending on the calendar at all, and doing that on a Tuesday instead of "eventually."

Twenty-three years of watching "let's wait" turn into three more years of waiting. The number does not care what the market is doing today. It only cares whether you have looked at it.

Comment "RETIRE" and I'll send you the income number I'd want you to see first ⤵️

09/01/2026

You have been estimating for years. Most people have.

You do the math in your head on a Sunday afternoon, land somewhere between probably fine and not really sure, then get on with your week. The estimate never improves on its own. It just gets older, and the decisions it feeds get harder to undo.

Getting a real answer is not a long process. It is not a year of planning. It is not six meetings before anyone puts a number in front of you.

You enter your numbers. You get answers in minutes.

- When to file, based on your situation rather than a general rule

- What your monthly retirement income will actually be

- What it takes to close the difference if there is one

Twenty three years of doing this by hand, built into something that answers in one sitting.

Comment "RETIRE" and I'll send it your way ⤵️

08/29/2026

If I were starting over with my own retirement plan today, there's one number I'd calculate first. The gap between my Social Security check and what I'd actually need every month.

The average Social Security check is $1,907. The average retiree needs closer to $4,500. Nobody talks about that $2,593 gap, and almost nobody has measured their own.

- Income gap analysis, what you'll need vs. what you'll get

- Personalized Social Security claiming strategy

- Protected income options that close the gap without market risk

Comment "RETIRE" and I'll send it your way ⤵️

08/28/2026

What if the biggest retirement mistake isn't about money at all?

Step 1: Write down every retirement decision you've already made. Filing age, account types, current allocations.

Step 2: For each one, ask honestly whether you understood every option before you chose, or just picked the one that felt familiar.

Step 3: Notice how many of those decisions were made because nobody showed you an alternative.

Step 4: The mistake usually isn't the math. It's making a permanent decision without seeing the full menu first.

Step 5: Before your next decision, ask what you're not being shown.

Ok, here's how this works.

Old model = decide with the information you happen to have.

New model = see every option before you decide, because some of them can't be undone.

I've sat with hundreds of people who made the wrong call simply because nobody ever showed them the right question.

Comment "RETIRE" and I'll send you the full menu of options most people never see ⤵️

08/27/2026

Most people think a financial advisor is on their side. Most don't check how that advisor gets paid.

Step 1: Ask your advisor directly. Do you earn more when my money moves, or when it stays protected?

Step 2: Ask how they're compensated on the specific products they've recommended to you.

Step 3: Compare that to how a fee-only or commission-based advisor is paid on protected income products.

Step 4: Notice whether their recommendations have consistently pointed toward products that also pay them more.

Step 5: That's not necessarily a scandal. It's just information you deserve to have before you decide.

Ok, here's how this works.

Old model = trust the recommendation without checking the incentive behind it.

New model = ask the question first, then evaluate the advice.

After 23 years in this industry, I specialize in products where I only win when your money is protected.

Comment "RETIRE" and I'll send you the questions to ask any advisor before you decide ⤵️

08/26/2026

I spent 23 years watching the same look cross people's faces. They saved their whole lives, did everything right, and still can't answer one question. Will it last?

I took every Social Security strategy, every income gap fix, every mistake I've watched people make, and built it into one AI system.

You plug in your numbers. It tells you when to file, how much income you actually need, and whether your savings can cover the gap.

- Personalized Social Security claiming strategy based on your real numbers

- Income gap analysis, what you'll need vs. what you'll get

- Protected income breakdown, so you know how to close that gap

Comment "RETIRE" and I'll send it your way ⤵️

08/25/2026

Most people walk around with a question they cannot answer, and it wears on them for years.

The question is usually some version of "do I have enough". It is a reasonable thing to ask, and it is almost impossible to answer, because enough depends on how long you live, what markets do, what healthcare costs, and when you claim your social security benefits. Too many unknowns stacked together. So people carry it, unresolved, and call it being cautious.

There is a better question, and it does have an answer. What does my money actually produce every month for the rest of my life, and what happens to that number if the market has a terrible decade?

Once you can answer the second question, the first one stops mattering. You are no longer estimating whether a pile of money is big enough. You are looking at income and comparing it to expenses.

That is the shift I have spent over twenty years walking people through, and it is what I built this system to do.

Your filing strategy based on your actual numbers rather than a rule of thumb. The precise gap between what you will receive and what you will spend. A plan to close that gap with income that keeps arriving regardless of what the market does. Written down, in dollars, on a schedule.

You have worked too long to spend the next twenty years hoping it works out.

Comment "RETIRE" and I'll send it your way ⤵️

08/24/2026

Step 1: Add up everything sitting in traditional IRAs and 401(k)s. Pre-tax dollars only. Leave Roth accounts out.

Step 2: Estimate what that balance grows to by the year you turn 73.

Step 3: Divide that projected balance by roughly 26. That is approximately your first required minimum distribution.

Step 4: Understand that this withdrawal is not optional. You do not get to decide whether you need the money. The IRS requires it and penalizes you for falling short.

Step 5: Add that forced withdrawal on top of your Social Security and any pension. That combined number is your taxable income that year.

Step 6: Check what tax bracket that lands you in. For people who saved diligently, the required withdrawal frequently pushes them into a higher bracket in retirement than they were in while working.

Step 7: Now look at the years between when you retire and when you turn 73. Those are the low-income years, and they are the only window you have to do anything about this.

Here's how this works.

Every dollar you put into a traditional account was a deal with the government. You skip the tax now and pay it later. Most people never think about the later part until the later part arrives.

The window between retiring and turning 73 is the most valuable planning period most people will ever have, and it is the one almost nobody uses, because by the time the required withdrawals start it is too late to do much.

Twenty-three years of this work. The people who planned that window kept significantly more of what they saved.

Comment "RETIRE" and I'll send you my required distribution planning breakdown ⤵️

08/23/2026

Step 1: Write down the age you actually want to stop working.

Step 2: Subtract that from 65. That is how many years you are covering your own health insurance before Medicare begins.

Step 3: Multiply those years by twelve. That is the number of monthly premiums you are personally responsible for.

Step 4: Now price a marketplace plan for your age and your state. For a couple in their early sixties this frequently runs $1,500 to $2,000 a month before anyone visits a doctor.

Step 5: Add the deductible. Add the out-of-pocket maximum. These plans are not cheap insurance with good coverage. They are expensive insurance with a high deductible.

Step 6: Multiply it out across the full bridge period. For someone retiring at 62, this is often the single largest expense of their early retirement, and it is almost never in the plan.

Step 7: Now check how the subsidy works. Marketplace subsidies are based on income, which means the amount you withdraw in those years directly changes what you pay for coverage. That is a lever, and it only exists if you know about it before you retire.

Here's how this works.

Most people build a retirement plan around the day they stop working and quietly assume healthcare gets handled. It does not get handled. There is a gap between the day the paycheck stops and the day Medicare starts, and it is expensive.

I have watched this single line item push people back to work for two more years. Not because they had not saved. Because nobody had shown them the number.

Comment "RETIRE" and I'll send you my pre-Medicare bridge breakdown ⤵️

08/22/2026

There is a conversation I have had so many times I can predict the order of the sentences.

Someone sits down across from me. They tell me what they saved, usually with some pride, because it took decades of discipline. Then they tell me they did everything they were supposed to do. Then their voice changes slightly and they ask whether it is actually going to last.

Twenty-three years. Same three sentences, in that order, from people in completely different circumstances.

What struck me eventually was that none of them were asking about returns. Nobody sitting in that chair ever asked me to beat the market. They wanted to know whether the money would still be arriving when they were eighty-five, and nobody had ever given them a straight answer to that specific question.

The industry is built to answer a different question. It measures performance, allocation, expense ratios. All useful, none of it the thing keeping people awake.

So I took what I actually do in those meetings and built it into a system.

You enter your real numbers. It works out your filing strategy, the exact gap between what you will receive and what you will spend, and how to close that gap with income that cannot go down when the market does.

The same work that used to take a full consultation. Now it takes minutes, and you can do it before you ever talk to anyone.

Built for people with $250,000 or more saved who want an actual answer instead of reassurance.

Comment "RETIRE" and I'll send it your way ⤵️

Address

1016 W. Jackson Boulevard
Chicago, IL
60615

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 5pm

Telephone

+18332271110

Website

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