Op Editorials
History Of The Pool Cleaner
Now that I am starting to reflect over my past 69 years of active duty as a pool guy. Many of my friends have told me that I have seen a lot of history in our industry and that I need to start writing them down. With this in mind, Joe & Marianne Trusty and Carol Gigliotti of Pool Magazine have asked me to put down some of my pool history that I experienced over my career.
In 1955, my father decided to move his family from Oakland, California to the rich open spaces of Contra Costa County just a few miles away. At this time, there was starting to become a migration from the inter cities to the new suburbs in the country. Much of this was driven by the Post War GI Bill that all of our returning soldiers received after fighting in WWII. The GI Bill basically gave a serviceman low interest government loans to buy a new home.
This migration and the hopes for home ownership created a huge building boom as America started to get back on her feet, post-war. My dad was one of those returning soldiers after fighting in the Pacific Theater and being discharged in Oakland, California. My dad wanted something better for his family and the attraction of moving to the fast-growing suburbs along with being part of the building boom of those suburbs, had an important attraction for my father.
He moved us to a little town that was 15 miles east of Oakland and what seemed like a whole new world. The weather was warm during the summer and a perfect place to not only raise a family in the country but also to start a new business in an almost unheard of industry, the swimming pool industry. Up to this point, only the very wealthy could afford a swimming pool. However, all this was starting to change as young families started to move to the suburbs and they realized that the weather was perfect for a fast-growing family of Baby Boomers. Now with a new home that the GI Bill allowed these young families to buy, there began the development of the front and backyard.
My father was one of the early pioneers who had the vision and the ability to do something about it. He started his pool company just prior to us moving to the little town of Lafayette, California. Little did he know that this little town of 2,500 people at the time was going to become the center of growth of our industry. Now I’m not saying that the pool business started in Lafayette, however, it was at this time in the 50’s that American families all across the country were starting to experience the same revolution of young boomer families wanting to seek a better life by moving to the suburbs and all the lifestyle that came with it. These young families had a lot in common with each other besides many returning from WWII, taking advantage of the GI bill, having several young kids or Baby Boomers along with wanting a better way of life.
As the new neighborhoods or track developments started to spring up everywhere in our area, we started to see more and more families wanting to enjoy their backyards with their growing families and friends. It was at this time the weekend BBQ with your Weber BBQ became one of the most essential tools of anyones backyard. This outdoor California Lifestyle then found itself wanting more as people could afford more.

Enter the backyard swimming pool and all the enjoyment and entertainment that it brought to our families. My dad was on the ground floor of this movement. Back in those days, his swimming pools cost $2,000 all in. Of course it’s all relative when you realize what a gallon of gas costs ($.26) or what those first track homes in the suburbs cost under $10,000 for a 3 and 2 with a garage. The beauty of those starter homes is that the lot size was big enough for a modest 15×30’ pool with a little decking.
Landscape design and construction was very modest. There weren’t too many landscape architects and most were busy designing those large estates that could afford their designs. So the early years of the industry were very modest and builders such as the Anthony Brothers in Southern California catered to those fast-growing suburb homes by selling pools based on the financing more than the ability to build a pool. As Anthony Pools was taking a commanding lead out west, other markets around the country started to boom. Arizona had the Ghiz Family with Paddock of Arizona along with the Asti Family and Shasta Pools. On the East Coast we also saw the Sullivan Pools that all of these building families started to spawn other spin-off pool builders as the demand for owning a backyard swimming pool started to grow.
Prior to the boom in the 1950’s, here in California, there were two major high-end pool builders that were building pools for the rich and famous, Paddock Pools and Landon Pools. These two builders were instrumental in the engineering and mechanical development of swimming pools. Be it the sand and gravel filters that they used or the skim filter that Landon and Paddock used to try and simplify and reduce cost in their pools.
As more and more pools were being built by new pool builders, there became this demand to help invent more and more components to help make the backyard swimming pool more accessible and user-friendly. It was about this time in the 50’s that Anthony Pools helped create the early precast skimmer with a built-in basket outside of the pool. Prior to that there was the lily pad skimmer that was a floating basket that was attached to the lily pad suction plate that bobbed up and down with the water level as water was drawn from a separate suction line. These pools also had a separate main drain suction line as well. The real custom pools that Paddock built had an 1.5” flange fitting mid way on the pool about 12” below the surface for a home owner to actually vacuums their pools using a portable vacuum hose and head. At this same time we also have the Pool Master Jet Vac pool cleaner that hooked on the end of your garden hose and blew water into a large bag that could pick up leaves and not plug up the pump basket. The bag were designed to filter the water jetting up into the bag along with some dirt.
These types of cleaning systems were designed to help keep the pool somewhat clean. The reality was that once you built a pool, you had to contend with the drudgery of cleaning your pool every weekend or be rich enough to afford a pool maintenance company. This need for keeping the pool clean has spawned an entire section of our industry and it came about more by chance then anything else.
It was the late 50’s and early 60’s that one of the Pillars of our industry, Andy Pansini was just finishing up cleaning his pool using his vacuum cleaner on his pool in San Rafael area in the SF Bay Area. Andy was cleaning his decks after cleaning his pool and was using his garden hose to hose things down. The phone rang and Andy dropped his hose in the pool and answered the phone. When he returned, the hose had been snaking back and forth on the bottom of the pool and the pool was spotless where the hose was whipping back and forth.
The History of the Pool Cleaner
It is said that “Necessity is the Mother of Invention”. Andy realized at that moment that if he could manage the whipping hose in his pool then he could chase the dirt down to the bottom of the pool and without ever vacuuming his pool again, he could always have a spotless pool. Andy solicited the help of a fellow inventor, Howard Arneson, that lived across the bay. Howard was a creator, inventor and part showman. The two of them came up with some interesting variations of these first prototypes. I was fortunate in the mid 60’s to actually work on one of the very first of these prototypes that looked nothing of what we see today of the robotic pool cleaner.
As time went on Andy and Howard both started their own manufacturing companies. Andy and his wife Jan had started Jandy and Howard started Pool Sweep. Both were here in the San Francisco Marin County area. As more and more backyard swimming pools were being built, there became more and more need to keep them clean so you could enjoy swimming in a nice clean pool. This need for a clean pool created a new part of our industry called pool service and maintenance companies. It was at this time I started my first pool company. After years of working for my Dad’s pool company, at 16 years old, I had my driver’s license and a truck to put my maintenance cleaning equipment and chemicals in.
I was one of the first pool service companies in our area and was fortunate enough to acquire some very high profile pools that I cleaned each week. Back in those days you didn’t have a self-cleaning pool like today, that you mostly test the water and add chemicals to, once a week. Back then every pool was on twice a week service with the first visit as a brush and skim the pool along with cleaning the basket and filter visit. The second cleaning was dedicated to vacuuming the pool so it was ready for the weekend entertaining.
It was at this time I learned a lot about the drudgery of cleaning and maintaining the backyard pool. Cleaning swimming pools gave me a great appreciation for what it took in the building end of a swimming pool to make it easier on our clients. Let’s face it, the reason people build a swimming pool is to relax, enjoy their leisure time in the backyard with family and friends. It is not to become a slave to the maintenance of your pool.
As the Jandy cleaner and the Arneson cleaner became more and more popular to adapt to a pool, I was seeing more and more builders first install a dedicated return line for the robotic sweep and eventually those same builders realized that upselling a client on the advantages of installing a robotic cleaner made owning a swimming more enjoyable for the homeowner. As the Jandy Porpoise and Arneson Pool Sweep was taking the industry by storm, an inventor/businessman, Jim Edmundson was creating his version of the pressure pool cleaner called the Polaris. The uniqueness of the Polaris was that it lived on the bottom of the pool and did both sweeping and vacuuming of the pool. It had a leaf bag much like the early Pool Master Jet Vac manual cleaner except that it was part of the robotic cleaner and only needed to be cleaned once a week. There was one more entrance into the robotic cleaners on the West coast and that was from Sandy Campbell, who was in the Bay Area as well but soon moved his manufacturing to Redding, California. Sandy’s cleaner was called “The Letro Jet Vac”, it had some of the similar characteristic as the Polaris but it did a better job in high leaf areas.
While all these robotic cleaner wars were going on in California, over in Arizona, in the late 60’s and early 70’s, they were creating their very own cleaning systems to help battle the high sand content and debris that was plaguing swimming pools in that market. As I stated earlier, “Necessity was the Mother of Invention”. The Ghiz Family (Paddock Pools, The Paramount System) and the Ast Family (Shasta Pools, The A&A System) both created their proprietary in-floor cleaners for their own pools in that market. They along with a friend of mine, Les Mathews (Creator of the Caretaker System). All of these three inventor families helped usher in the next generation of pool cleaning. There was one other little-known infloor cleaner called the “Turbo Clean” that I recall seeing on some of the Geremia Pools out of Sacramento, Ca. Within a few short years, these manufacturers were selling their cleaners all across the country and internationally.
For the past 40 years, I personally have designed and worked with all three cleaners. For the past 25 years, my favorite in-floor cleaner is the PCC-2000 cleaner. What is it that makes this cleaner so special to me is it’s ability to clean the entire pool as Paramount and our team design the location of the cleaner heads. PCC-2000 also has it’s patented water curtain and the MDX that is it’s debris collection system. The robotic cleaners have their advantages in that they are a low cost compared to the Paramount in-floor system. In addition, as the design of our pools have come a long way from my dad’s pioneering days of simple, functional designs with simple filtration and no cleaners, to the designs that my son, Nicco and I are creating today with baja entries, ledges and seats throughout the pool.
We are all seeing the acceptance of engineered pools hanging off slopes with vanishing edges and “O” edge designs. These pools are so artistic that a robotic cleaner with its umbilical cord running around pool will surely take away from the beauty and artistry of the pools we are designing and building today.
What the in-floor cleaner is to me and even more specifically the Paramount PCC-2000 in-floor cleaner, is the beauty of the pool is not interrupted with the visual of the robotic cleaner. The additional circulation on the bottom of the pool that takes water from the skimmer level of the water and injects it back into the floor heads. This action creates not only bottom circulation better then any other way to circulate water in your pool, but it also takes surfaced solar heated water and injects it to the bottom of the pool so the entire pool becomes a heat storage battery for the solar heat that is collected at the surface.
More and more today our pools here in the Bay Area are safety cover pools with the spa under the cover to help keep the pool safe from small children, clean from dirt falling in the pool and energy efficient because of the passive solar heat that the cover generates at the top of the water that is pumped to the bottom of the pool through the in-floor cleaning system. Not only are we delivering a very clean pool to our clients, but a very efficient pool that cleans itself and a very artistic pool that is exciting to look at.
Our industry has come a long way since I joined in with my dad and now with Nicco, my son as the 3rd generation of our family to build well-engineered, unique designed and very efficient works of art for our clients backyard enjoyment and entertainment. It has taken 3 generations for our family to build the “State of the Art” custom pools that Nicco is now building for our company. As I stood on my father’s shoulder, now Nicco stands on mine, our family tradition has continued to advance the pool industry with our knowledge and forward thinking. It has been a wonderful journey as we all get to enjoy the rich history of our industry that has taken us to where we are today. Those early pioneers helped pave the way for the next generation of pool builders.
I will continue to add to the rich history of the swimming pool industry with my personal stories that all of us will enjoy as we discover where our roots come from.
Op Editorials
Acid Washing Safety: What Every Pool Pro Should Know
There’s something deeply satisfying about seeing a dull, stained pool surface turn bright and clean again after a good acid wash. It’s like hitting the reset button on a pool that’s seen better days. But as any seasoned pool pro knows, this powerful process comes with some serious risks.
Acid washing uses muriatic acid (hydrochloric acid)—a chemical strong enough to dissolve mineral buildup, algae, and stains. That same strength, though, can cause burns, lung damage, and serious injuries if not handled the right way. Knowing how to stay safe isn’t just a good idea—it’s essential for protecting yourself, your crew, and your customers.
Why You Can’t Cut Corners on Safety
Muriatic acid is no joke. A splash on your skin or a breath of concentrated fumes can do real harm in seconds. It can also eat away at pool finishes and metal fixtures if it’s not used properly. The goal is to make the pool look better—not cause damage or danger along the way.
When you follow safety protocols, you’re not just checking boxes—you’re building a reputation for professionalism and responsibility that customers notice.
Safety Basics Every Pool Pro Should Practice
1. Paperwork Isn’t Just Paperwork
Before you start mixing anything, make sure your Hazard Communication Program is up to date. Have Safety Data Sheets (SDS) for every chemical you use, and double-check that all containers are clearly labeled. This may seem tedious, but if something goes wrong, this documentation can be a lifesaver—literally and legally.

2. Dress Like You Mean It
When you’re handling acid, jeans and sunglasses aren’t enough. You’ll need:
● Acid-resistant gloves (rubber or neoprene)
● Chemical splash goggles and a face shield
● Long-sleeved acid-resistant clothing or a Tyvek suit
● Closed-toe, chemical-resistant boots
● A respirator with acid-gas cartridges if ventilation isn’t great
It might not be a fashion statement, but it’s definitely a safety statement.

3. Let It Breathe
If you’re working in an indoor pool or a deep end, acid fumes can build up fast. Always use fans, open doors and windows, and wear a respirator if needed. OSHA even considers an acid-washing pool a permit-required confined space—so don’t take chances. When in doubt, step out and get fresh air.

4. Mix with Care
There’s one golden rule every pool pro should memorize: Always add acid to water—never water to acid. Doing it backwards can cause an instant, violent reaction that splashes acid everywhere. Mix outdoors, use plastic containers, and keep people (and pets) far away while you work.

5. Be Kind to the Environment
Once you’ve finished the wash, it’s time to neutralize the leftover acid with sodium bicarbonate (baking soda). Never let untreated acid flow into a storm drain or onto the lawn. Not only is that harmful, it can also get you in trouble with local environmental agencies. Take a few extra minutes to neutralize properly and practice disposal according to local rules.

Two Is Better Than One
Whenever possible, don’t go it alone. Have another technician on deck while you’re in the pool. That second person can pass tools, monitor fumes, or call for help if something unexpected happens. It’s simple teamwork that makes the job safer for everyone.

Be Ready for the “What-Ifs”
Even with the best precautions, accidents can happen. Make sure you have:
● An eye wash station or portable eyewash bottle within arm’s reach
● A fresh water source nearby for rinsing skin or eyes
● A neutralizing agent like baking soda ready to go
● Up-to-date first-aid training for handling chemical exposure
At Pool Troopers in Tampa, FL, for example, every employee is issued proper safety gear and trained on SDS procedures—an approach all pool companies can learn from.

The Bottom Line
Acid washing is one of the most dramatic makeovers you can give a pool—but it’s not something to take lightly. The right preparation, gear, and mindset make all the difference between a successful job and a dangerous one.
If you’re looking to sharpen your safety skills, check out the OSHA 10 Course for Pool Pros that I offer through Space Coast Pool School. It’s a great way to stay informed, stay compliant, and most importantly—stay safe.
Contractors and Builders
“But It Passed Inspection”: Why That’s No Defense for Code Non-Compliance
Every pool builder or contractor has heard it—or said it—at some point:
“But it passed inspection.”
Those words often come up in courtrooms, after a project has gone sideways and litigation is underway. It’s a phrase meant to shift blame, to suggest that because an inspector signed off, everything must have been done correctly. Unfortunately, that’s not how the law works.
Passing inspection does not equal being code-compliant. And when problems arise, it’s the builder or designer, not the inspector, who carries the legal and financial responsibility for non-compliance. Understanding how building standards are adopted, enforced, and referenced is critical for every professional in the pool and spa industry.
Understanding How Standards Become Law
Most contractors know that building codes exist, but fewer understand how those codes are structured. Many of the technical details that govern your work are not printed in the state building code itself. Instead, they’re part of what’s known as “adopted by reference”—external standards that are legally binding even though they aren’t printed word for word in the codebook.
For example, the International Code Council’s International Swimming Pool and Spa Code (ICC-ISPSC) is one of the most widely adopted pool construction standards in the country. Many states have formally adopted the ISPSC by reference through their residential or building code appendices. That means that even though you won’t find every detail of the ISPSC spelled out in the printed state code, it carries the full weight of law.
How “Adopted by Reference” Works
When you look at your state’s residential building code, you’ll often find an appendix titled “Referenced Standards.” This section lists all of the national and international standards the state has chosen to adopt for that code cycle.
Most of the larger, more populous states are on a three-year code revision cycle, staying current with the ICC and IAPMO (International Association of Plumbing and Mechanical Officials) updates. Smaller states tend to move on longer cycles, sometimes adopting every six or nine years.
Instead of reprinting the full ISPSC document, the state code typically includes a short statement that ties the local law directly to that standard.
For example:
•. In the 2015 Texas Residential Code, section 326.1 states: “The design and construction of pools and spas shall comply with the International Swimming Pool and Spa Code.”
•. The 2018 Tennessee Residential Building Code uses nearly identical language in its own section 326.1.
This simple line means that the entire ISPSC—every clause, every diagram, every standard—becomes part of that state’s enforceable building law.

What’s Inside the ISPSC?
When a standard is adopted by reference, you’re bound to comply with all of it. That includes requirements for:
•. Water circulation rates and line velocities
•. Floor contours, slope transitions, and steps
•. Handholds and ladder spacing
•. Anti-entrapment and anti-drowning features
•. Safety barriers, fencing, and alarms
•. Structural load and shell integrity
•. Equipment placement, bonding, and electrical standards
In short, “adopted by reference” brings the entire ISPSC—and all of its subsections—into play for every new pool or spa construction project in that jurisdiction.
When Local Jurisdictions Modify the Code
Local municipalities do have some authority to modify state codes, but they can’t do it informally. To avoid enforcing specific portions of the state building code, a local government must pass a formal resolution listing every section of the state code that they are choosing not to adopt.
This is rare, but it happens. For example, California and Florida both have their own pool-specific codes that go beyond the ISPSC. These state-level codes are considered more stringent than the ICC’s model code, so they don’t need to reference it directly.
However, for the vast majority of states, the ISPSC—or another comparable standard—is part of the law by reference.
Inspectors Are Not the Final Authority
Here’s where many builders get tripped up: local inspectors do not routinely read or study the building codes in full detail.
Most inspectors rely on experience and precedent. It’s not until they review a set of plans that cites a specific code section or standard that they realize a particular provision applies. That’s why a project can “pass inspection” even though it’s not fully compliant with the adopted standards.
In these situations, ignorance of the code is not a defense—for the inspector or the builder. But while inspectors are largely protected by sovereign immunity, meaning they can’t be sued for missing violations, builders and designers are not.
If a defect later leads to injury or property damage, the responsibility lands squarely on the contractor or design professional. Courts have consistently ruled that “passing inspection” does not exempt a builder from liability if the work fails to meet applicable codes and standards.

The Legal and Financial Reality
In personal injury or construction defect litigation, one of the first questions attorneys ask is: “Was the work code-compliant?”
If the answer is no, it doesn’t matter that the project was approved by a local inspector. The standard of care in these cases is what the law requires, not what the inspector accepted.
Builders and designers are legally responsible for:
•. Knowing which codes apply in their jurisdiction
•. Keeping current with code updates and revisions
•. Ensuring that all referenced standards are followed
•. Documenting compliance throughout the project
Failing to do so can expose contractors to claims of negligence, breach of contract, or professional misconduct, even years after the project is complete.
“It Passed Inspection” Is Not a Defense
The concept of sovereign immunity exists to protect public officials, including building inspectors, from lawsuits when they make honest mistakes. That protection does not extend to private builders.
In the eyes of the law, you’re the expert. You’re expected to know the applicable codes and standards. When a violation exists, you can’t rely on an inspector’s oversight as a shield.
Saying, “But it passed inspection,” is equivalent to admitting you didn’t understand your own obligations under the law.
Staying Ahead of the Curve
So, where should builders go to stay informed? The most accessible resource is UpCodes, an online library that provides searchable access to state-specific building codes and referenced standards.
UpCodes makes it easy to:
•. Search your state’s adopted code cycles
•. Review appendices for referenced standards
•. Track amendments or local modifications
•. Stay up to date on pending revisions
It’s also a good practice to maintain a copy of the current ICC-ISPSC or your state’s equivalent pool code in your office or jobsite trailer. Regularly reviewing it with your design and field teams helps prevent costly oversights.
A Builder’s Responsibility
Complying with building codes and referenced standards isn’t about passing inspections—it’s about protecting lives, property, and your professional reputation.
Builders who study their codes, document compliance, and communicate clearly with inspectors and clients show the kind of professionalism that defines true craftsmanship.
Codes aren’t arbitrary red tape; they’re the accumulation of decades of engineering, safety research, and field experience. When you follow them—not just the parts you know, but the full scope of what’s adopted by reference—you’re doing more than meeting legal requirements. You’re building with integrity.
Final Thoughts on the Subject
The next time you hear someone say, “But it passed inspection,” remember this: inspections are a checkpoint, not a certification of compliance. The responsibility—and the liability—always comes back to the builder.
Do your homework, know your state’s adopted standards, and make compliance a cornerstone of every project. It’s not just good business—it’s the law.
Op Editorials
How To Retire From The Pool Industry as a Millionaire
John’s knees and back ache. After nearly three decades of cleaning filters, lifting equipment, and braving triple-digit temperatures, he’s finally thinking about retirement. But there’s one big problem — John never planned for it. He spent his career focused on his customers — keeping pools clean, equipment running, and business steady. But he gave little thought to retirement along the way. Now 55, with no 401(k), no exit plan, and no real savings to speak of, John’s wondering if he’ll ever be able to slow down.
If you work in the pool and spa industry — whether servicing routes, managing crews, or building backyard escapes — chances are you didn’t get into this line of work for the financial planning. But the truth is, it’s never too early (or too late) to start saving for your future.
Whether you want to retire at 55 with $1 million in the bank or just build a cushion that gives you freedom later in life, smart planning today can make all the difference.

Retirement Planning for Pool & Spa Professionals: Saving for the Future
You’ve spent years in the sun performing physically strenuous work and servicing your customers. The work is tough, the hours are long, and most days, you’re too busy running to the next job to worry about what happens 20 or 30 years down the road.
But here’s the hard truth: no one plans to stay building or servicing pools well into their 60s — they just never planned not to.
What if you could break that cycle? What if retiring with $1 million in savings wasn’t just a pipe dream, but a goal you could actually hit — even if you’re just getting started?
In this article, we’ll show you exactly what it takes to retire from the pool industry with real money in the bank. From how much to save each week, to what accounts to use, and the common mistakes that hold too many pros back — we’ve got you covered.
The Million-Dollar Question: How Much Should You Save?
Assuming an average return of 7% annually (a realistic long-term expectation with diversified investments like an index fund), here’s what the math looks like:
Goal: $1,000,000 by age 55
Starting Age: 25
Years to Invest: 30
Estimated Weekly Savings Needed: $157–$160 per week
That adds up to about $625–$640 per month. Thanks to compound interest, where your investment gains start earning gains, the earlier you start, the less you need to save.
Understanding Compound Interest
Compound interest is the process where your money earns interest — and then that interest earns interest. Over time, this snowball effect can turn modest weekly savings into major retirement gains.
For example, saving $160 per week for 30 years at 7% annual return would grow to over $1 million. If you waited until age 35, you’d need to save over $340 per week to hit that same goal by 55.
What About Inflation?
Let’s say inflation averages 3% annually over the next 30 years — that $1 million would only be worth about $412,000 in today’s dollars.
So if you want $1 million in future dollars to maintain today’s buying power, you actually need to aim higher — closer to $2.4 million in nominal dollars.
To meet that inflation-adjusted goal by 55:
Estimated Weekly Savings Needed: $375–$400/week
Estimated Monthly: $1,500–$1,600/month
This is where financial planning becomes essential — especially for business owners.
Want to retire with $1 million by the time you’re 55? The earlier you start, the less you need to save — thanks to compound interest.
Assuming a 7% annual return (a realistic long-term average for diversified investments like index funds), here’s what the math looks like:
| Starting Age | Years to Invest | Monthly Savings Needed |
|---|---|---|
| 25 | 30 | $690/month |
| 30 | 25 | $955/month |
| 35 | 20 | $1,400/month |
| 40 | 15 | $2,150/month |
| 45 | 10 | $3,900/month |
📌 Assumes a 7% annual return with consistent monthly contributions with reinvested returns and no withdrawals during the investment period.
💡 Tip: The earlier you start, the less you need to save — compound interest does the heavy lifting.

💼 Which Retirement Accounts Pay Off Best for Pool & Spa Professionals?
If you’re self-employed or run your own pool business, the traditional 401(k) route might not be available — but you’ve actually got even better options. Whether you’re looking for tax advantages, high contribution limits, or just a simple way to start saving, here’s a breakdown of the most effective retirement accounts tailored for service and construction pros:
📊 Retirement Account Comparison

| Account Type | Best For | 2025 Contribution Limit | Tax Treatment | Avg. Return | Pros | Cons |
|---|---|---|---|---|---|---|
| SEP IRA | Self-employed or small business owners with few/no employees | $69,000 or 25% of compensation (whichever is less) | Tax-deductible contributions, tax-deferred growth | ~7% | ✅ High contribution limit ✅ Easy to set up | ❌ Employer only contributes ❌ No Roth option |
| Solo 401(k) | Self-employed individuals with higher income potential | $69,000 (+$7,500 if over 50) | Tax-deductible or Roth option, tax-deferred growth | ~7% | ✅ Highest contribution limit ✅ Roth option available | ❌ Slightly more admin requirements |
| Traditional IRA | Anyone with earned income | $7,000 (+$1,000 if over 50) | Tax-deductible (if eligible), tax-deferred growth | ~7% | ✅ Simple to open ✅ Widely available | ❌ Low contribution limit ❌ Income deduction limits apply |
| Roth IRA | Individuals who expect to be in a higher tax bracket at retirement | $7,000 (+$1,000 if over 50) | After-tax contributions, tax-free growth | ~7% | ✅ Tax-free withdrawals in retirement | ❌ Income limits ❌ No up-front deduction |
| Taxable Brokerage Account | Anyone wanting flexibility | No limit | Taxable contributions and gains | 6–8% (varies) | ✅ No contribution limits ✅ Full investment freedom | ❌ No tax benefits ❌ Capital gains taxes |
🧠 Which One Should You Choose?
✅ Starting out? A Roth IRA is a great first step with tax-free growth and simple setup.
✅ Running your own crew? A Solo 401(k) gives you the most flexibility and room to grow.
✅ Need something easy? A SEP IRA is low-maintenance and allows big contributions fast.
✅ Want flexibility without limits? A Brokerage account gives you options, but less tax help.
Saving as a Pool Service or Construction Pro
Many pool and spa professionals are self-employed or run small businesses. Here’s how you can start saving:
✅ Open a SEP IRA or Solo 401(k) – These accounts are made for the self-employed and allow larger contributions than traditional IRAs.
✅ Automate contributions – Treat your retirement savings like a monthly bill.
✅ Pay yourself first – Before reinvesting everything into the business, prioritize your financial future.
✅ Use tax deductions – Retirement contributions are often tax-deductible for business owners.
Pitfalls to Avoid
Many in the pool industry delay retirement planning, assuming they’ll work forever or sell their business someday. Common pitfalls include:
🚫 Not separating personal and business finances
🚫 Underestimating how much you’ll need
🚫 Ignoring inflation and healthcare costs
🚫 Waiting too long to start investing
🚫 Relying solely on Social Security or business value
Without a clear plan, you may find yourself working into your late 60s or 70s — not because you want to, but because you have to.
💬 Quotes from Pool Pros Who Are Planning Ahead
🗣️ “I used to pour everything back into the business. Once I started setting aside just $200 a week into a SEP IRA, I finally felt like I was building something for myself, not just for my clients.”
— Carlos M., Pool Service Pro, Arizona
🗣️ “I opened a Solo 401(k) after talking with my accountant. It’s one of the best moves I made in my 30s. I wish I’d done it sooner.”
— Lindsey J., Pool Contractor, Florida
🗣️ “If you’re in your 20s or 30s and running a business in this industry, don’t wait. You’ll blink and be 50. Start saving now, even if it’s small.”
— Greg T., Pool Builder, Texas
Final Thoughts
At the end of the day, none of us want to end up like John — thinking about retirement, but stuck without a plan to make it happen.
Instead, be the pool pro who did it right.
The one who showed up early, built a solid business, took care of their customers — and also took care of their future. The one who swapped chlorine tabs for golf clubs at 55, because they planned ahead. The one who turned their pool career into long-term wealth.
Be the pool pro who retires a millionaire.
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