ABOUT • TERRY SAWCHUK

I'm not planning for Gen X. I am Gen X.

Same latchkey childhood. Same vanished pension. Same squeeze between aging parents and kids who never quite left. I built Sawchuk Wealth because my generation deserves an advisor who's actually living the same reality — not pitching us from the outside.

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THE GENERATION THAT RAISED ITSELF

We were built to be self- What I believe: reliant.

Gen X grew up figuring things out alone — thrown out the door in the morning, back for dinner, and left to solve the rest ourselves. It gave us a finely tuned nonsense detector and a deep respect for people who just tell us the truth.That's exactly how I run this firm. No condescension, no jargon, no template with your name pasted on top. Just a straight conversation between two people who came up the same way.

What I believe:

Authenticity beats polish. You've earned the truth, even when it's not what you hoped to hear.
The old playbook was written for Boomers. Gen X needs a different one.
Independence matters — your plan should answer to you, not to a quota.
Doing nothing is the most expensive choice of all.

THE X-PERIENCED

Author, advisor, and one of you.

I wrote X- Rated: A Gen X Guide to Not Getting Troubled in Retirement because the straight-talk version of this advice didn't exist. As an independent advisor, I keep costs low, coordinate the whole picture — investments, taxes, estate, long-term care — and send every client a short monthly video so they always know where they stand.

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Why I started Sawchuk Wealth.

I watched the financial industry pour everything into Boomers, then pivot to court Millennials — and skip right over the generation stuck in the middle doing all the work. Gen X is retiring into a harder setup than our parents faced: no pensions, a shakier Social Security promise, a broken 60/40, and a market climate that may not bail us out. Somebody needed to build a practice around that reality. So I did.