MIAMI, FL / ACCESS Newswire / January 29, 2026 / As market volatility, inflation pressures, and interest rate shifts continue to reshape long-term financial planning, a growing number of professionals are re-evaluating how they approach retirement. Generational Wealth Plan, a real estate investment advisory firm led by founder Matisse Fitzpatrick, is seeing increased interest from individuals seeking tangible assets alongside traditional retirement accounts.

For decades, many Americans relied on a familiar retirement strategy: consistent contributions, diversified market exposure, and long-term patience. While that framework remains foundational for many investors, recent economic conditions have prompted broader questions about control, predictability, and diversification beyond market-dependent assets.

"People are increasingly uncomfortable feeling like passive participants in their financial future," said Fitzpatrick. "When outcomes depend entirely on market forces you can't influence, it creates uncertainty. Real estate offers something tangible - an asset you can understand and actively manage."

Generational Wealth Plan helps clients evaluate and acquire residential real estate as part of a broader investment strategy. According to Fitzpatrick, most clients are not seeking rapid appreciation or speculative opportunities. Instead, they are focused on practical ownership - properties with clear operating plans, conservative underwriting, and realistic expectations around risk and return.

One of the firm's core principles is prioritizing income stability over appreciation projections. Rather than attempting to predict market timing, investors are encouraged to assess whether a property can sustainably cover expenses, maintain reserves, and operate effectively during adverse conditions.

"We frame rental properties as small businesses," Fitzpatrick said. "They generate revenue, incur expenses, and require management. When investors understand that from the start, expectations become more grounded."

This operational mindset often leads investors toward workforce housing - modest, affordable residential properties that serve a broad tenant base. These properties may lack the visibility of luxury developments, but they can offer steadier demand due to affordability and essential housing needs.

In some cases, Generational Wealth Plan also supports investors exploring properties associated with the federal Housing Choice Voucher program, commonly known as Section 8. The program provides rental subsidies to qualifying tenants, subject to property standards, inspections, and administrative compliance.

"Section 8 isn't a shortcut," Fitzpatrick noted. "It requires documentation, inspections, and patience. For the right investor, it can be structured and predictable, but it still demands understanding and discipline."

Tax considerations are another factor often discussed by prospective investors. Rental real estate may allow for deductions related to operating expenses and depreciation, depending on individual circumstances. Fitzpatrick emphasizes that tax advantages should not be the sole motivation for investing but acknowledges they can play a role when evaluated properly.

"Efficiency matters," he said. "Investors want to understand not just what they earn, but what they keep. Real estate has specific tax rules, but they require competent guidance."

Despite these advantages, many professionals hesitate to invest in real estate due to concerns about time commitment. Traditional landlord responsibilities - maintenance calls, tenant issues, and administrative work - can feel overwhelming.

Fitzpatrick says industry practices have evolved to address this concern. Generational Wealth Plan assists clients with property sourcing, evaluation, and operational planning, often coordinating with third-party management resources to reduce the day-to-day burden of ownership.

"The goal isn't to pretend real estate is effortless," he said. "It's to make ownership realistic for people with full careers and limited time."

Fitzpatrick is careful to emphasize that real estate is not risk-free. Vacancies, repairs, market fluctuations, regulatory requirements, and financing terms can all impact performance. The firm encourages conservative assumptions, adequate cash reserves, and viewing real estate as one component of a diversified portfolio rather than a replacement for traditional investments.

"No one benefits from hype-driven decisions," Fitzpatrick said. "This is about building a portfolio that fits the individual."

As definitions of diversification evolve, many investors are blending traditional market exposure with tangible assets that operate differently. For some, that includes rental real estate with structured operating plans. For others, it may mean determining that real estate is not the right fit.

"Our goal isn't to sell a property to everyone," Fitzpatrick said. "It's to help people understand their options and make informed decisions about how they want their financial future to work."

About Generational Wealth Plan

Generational Wealth Plan, led by Matisse Fitzpatrick, supports clients in evaluating residential real estate opportunities as part of a broader investment strategy. The firm assists with property research, deal evaluation, and operational planning, including traditional rentals and, where appropriate, Housing Choice Voucher (Section 8) properties. Real estate investing involves risk, including vacancies, repairs, market changes, compliance requirements, and financing constraints. Investors are encouraged to conduct independent due diligence and consult qualified legal, tax, and financial professionals.

CONTACT:

Matisse Fitzpatrick
Founder & CEO
Generational Wealth Plan
465 Brickell Ave, Miami Florida 33131
team@generationalwealthplan.org
(786) 723-7709

SOURCE: Generational Wealth Plan