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.
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What We Offer
We invite you to look through our website, subscribe to our newsletter, attend some of our events, and if you think we might be a fit for each other, please schedule an introductory meeting.
Estate Planning
Whether you are passing assets to future generations or supporting important charitable organizations, we make sure the correct documents, language, account types, and beneficiary designations are in place.
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Just as importantly, we review these items on a regular basis to make sure they remain coordinated as your life and goals change throughout retirement. When legal documents need to be drafted or updated, we will coordinate with your estate attorney. If you don’t have an estate attorney, we can provide referrals and help you identify the person or firm that is most likely to be the right fit.
Income Management
Every retiree asks the same question. “How much can I spend?” To answer that question, we avoid rules of thumb and instead walk through a detailed analysis that incorporates our clients’ long-term goals, assets, outside sources of income, and risk preferences.
Investment Management
When most retirees seek out a financial advisor, they are looking primarily for investment expertise. We therefore leverage the resources of institutional asset managers to establish appropriate, academically sound, allocations for our clients’ accounts and place trades in line with our investment philosophy in coordination with our client’s goals and preferences. We custody client assets at Charles Schwab.
Tax Planning
Since taxes are typically one of a retiree’s largest expenses, taxes are at the center of every decision we make. We will annually review our client’s tax returns, plan around opportunities, and coordinate with the tax preparer to make sure all strategies are appropriately accounted for.
Education
We firmly believe that clients sleep better at night when they understand the investment and planning strategies we suggest. And since we are huge nerds when it comes to the academics of retirement planning, we are excited to share what we know. This is why we send regular educational emails, update the blog on a weekly basis, and host regular educational seminars throughout the year.
Insurance Planning
While we do not sell insurance, we fully understand how different products fit into our client’s retirement plans. We’ll regularly review our clients' policies and where appropriate, coordinate with trusted insurance advisors to make sure the Medicare, life, long-term care, and property insurance policies are all appropriate and in coordination with the rest of the plan.
The Core of What We Do
Our Investment Philosophy
While every portfolio is tailored to your unique goals and preferences, our investment philosophy, representing our most strongly held investment beliefs, is applied consistently. The 10 components of our philosophy are listed below.
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 (cash reserves and fixed income) 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.
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Clients In or Approaching Retirement
A patient wouldn’t visit a heart doctor if her knee hurt, and she wouldn’t go to a corporate lawyer if she had estate planning issues. The same should be true when selecting a financial advisor. If at any point we feel we are not absolutely the best advisor to handle your specific needs, we will work with you to find another professional that may be a better fit.
Long-Term Goals
Our clients have dual goals of creating income during their lifetimes and growing the principal balance for future generations or charitable organizations. Our clients understand our investment philosophy and share the same core beliefs. Retirees solely focused on current income or minimizing short-term volatility are likely not a good fit for our strategies.
Diligent Saver
While our clients typically don’t think of themselves as “rich,” thanks to a lifetime of diligent saving and living within their means, they have accumulated a substantial retirement nest egg. Our asset minimum for new clients is five hundred thousand dollars.
People We Enjoy
This might sound cliché, but we will only work with genuinely nice people with whom we share a mutual respect. When we built this firm, it was our intention to have a limited number of client relationships for each advisor. We therefore only work with people where we believe there is a perfect fit.
What if we aren’t the right people for you?
We know that 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 very best option for what you need, we will gladly refer you to a firm or person better able to assist.
Our Blogs
