About Us
Learn More About Us, and the Clients We Work With
Welcome to TSA Wealth Management
Retirement Planning Professionals
TSA Wealth Management exists because we love retirement planning. While other firms offer to work with everyone, we only claim to do one thing – work with retirees – and we do it very well. Though we are different from most other firms in that we don’t sell products, we don’t charge commissions, and we list our fee clearly on our website, what really separates us from the rest are our people, our philosophy, and our retirement planning process.
What We Offer
Estate Planning
The correct documents, language, account types, and beneficiary designations — reviewed regularly and coordinated with your estate attorney.
Income Management
How much can you spend? We avoid rules of thumb and analyze your goals, assets, income sources, and risk preferences.
Investment Management
Institutional-quality, academically sound allocations tailored to your goals. Assets custodied at Charles Schwab.
Tax Planning
Taxes are at the center of every decision. We review your return annually and coordinate with your tax preparer.
Education
Weekly emails, regular seminars, and plain-English explanations of every strategy we suggest.
Insurance Planning
We don’t sell insurance, but we review your Medicare, life, long-term care, and property coverage and coordinate with trusted advisors.
Our Investment Philosophy
Ten principles that guide every investment decision we make for our clients.
Simplicity is the ultimate sophistication.
Stocks will outperform bonds over the course of an investor’s retirement so long as he or she can stay invested through the ups and downs.
No matter what the headlines say, the bad news is very rarely the whole story.
A retiree should have no less than two years of expenses in safer investments but also no more than 10 years.
Never try to make a long-term investment strategy out of short- to intermediate-term disruptions.
After-tax returns are the only kind that matter.
Staying fully invested during temporary market declines is the only sure way to capture the entirety of the market’s permanent advance.
For investors seeking lifetime income, dividends are important, but always secondary to total return.
A long-term investment in equities is premised on a belief that humanity will continue to progress, global wealth will continue to grow, and the great businesses of the world will continue to innovate.
Outperforming a benchmark is far less important than being on track to achieve your financial goals.
Who We Serve
Clients In or Approaching Retirement
A patient wouldn’t visit a heart doctor if her knee hurt. If we’re not the right fit for your needs, we’ll help you find an advisor who is.
Long-Term Goals
Dual goals: income during your lifetime and growing principal for future generations or charity.
Diligent Savers
Our asset minimum for new clients is $500,000.
People We Enjoy
We keep advisor caseloads limited and only work with people where there’s a mutual fit.
What if we aren’t the right people for you?
We know we aren’t the right wealth manager for everyone, but we still want to help. If you reach out and we don’t think we are the right fit for what you need, we will gladly refer you to a firm or person better able to assist.
Mutual Fit
If we’re not the right fit for what you need, we’ll gladly refer you to a firm or person who is.
Ready to Plan Your Retirement with Confidence?
Schedule a free, no-pressure retirement review with a fee-only fiduciary advisor.
Schedule a Free Retirement Review