With Americans living longer and facing increasingly intricate financial and emotional challenges, the traditional approaches to retirement planning have become insufficient. To truly thrive in this evolving phase of life, retirees need a “Second Life Architect”—a professional who merges the technical expertise of a Financial Advisor with the holistic vision of a Business Coach.
Is the 2nd Life Plan Right for You?
Not everyone is a fit. But if these statements resonate, we should talk:
- I’m ready to create an after-career life rich with purpose and security
- I want to protect and maximize the income potential of the assets I’ve accumulated
- I want to minimize taxes1 and protect against key retirement risks2
- I want to optimize my Social Security and Pension benefits tailored to my 2nd Life goals
- I want to prepare for potential long-term care needs
- I want a plan that empowers me to adapt confidently to unexpected life scenarios
- I’m ready to invest the time and effort required to co-design a 2nd Life Plan with a "Second Life Architect"
1 So the IRS doesn’t become my lifetime business partner, deciding how much of my hard earned income I get to keep
2 Risks like longevity, volatility, sequencing, inflation, liability — and inflexibility
Only 20% of Americans Have a Solid Plan
Among that small minority, 96% express confidence in having sufficient retirement income.
Smarter With Money: A Family Legacy of Financial Empowerment
At Smarter With Money, we believe retirement isn’t the finish line — it’s the start of your Second Life. Our mission is to help you design a future rich in purpose, financial security, and lasting legacy.
Founded by Cort Dial, a seasoned business coach and financial strategist, and his son Charlie Dial, a licensed financial advisor and creator of the Second Life Planning Strategy, we are a father-son team blending decades of experience with next-generation financial insight.
Together, we guide professionals through the development of their 2nd Life Plan — a personalized roadmap designed to:
- Create an after-career life rich with everything but worries
- Maximize the income potential of your savings
- Minimize taxes and protect against key retirement risks — longevity, volatility, and inflation
- Optimize your Social Security strategy
- Prepare for the possibility of long-term care
- Adapt confidently to life’s unexpected changes
- Foster relationships that support you and your family long-term
At Smarter With Money, we go beyond the spreadsheets. Our goal is to help you pass down not just wealth — but the wisdom to manage it.
Licensed Insurance Agent and Business Coach
Three plus decades of coaching top-tier executives globally
Author of the acclaimed book Heretics to Heroes, A Memoir on Modern Leadership
Licensed Financial Advisor and Insurance Agent
Graduated Summa Cum Laude from Concordia University, Texas
Creator of the Second Life Planning Strategy
Charlie and Cort, alongside Cort’s son-in-law and Charlie’s sister, Trent and Katy Reynolds, are the founders of Trent Reynolds Player Development (TRPD) and serve as dedicated coaches.
At the core of TRPD lies a mission that goes beyond the game: "Develop Great Players Into Great Men." This statement captures their commitment to enhancing athletic skills and fostering personal growth and character development in their players.
Customized
(includes taking advantage of tax-efficient withdrawal strategies, minimizing risk, and optimizing Social Security and pension benefits)
Predictable
(designed to ensure that your retirement savings are optimized to support you throughout your retirement years)
Adaptable
(so you're prepared even when the unexpected occurs.)
Sustainable
(we'll be here throughout your retirement journey and supporting your family when you are gone)
By partnering with us to help develop your Second Life Plan, you’re not just preparing financially for the future; you’re taking a proactive step towards creating the retirement life you’ve always envisioned.