who we partner with - Retirees & Pre-Retirees
You Spent Decades Earning It. Now You Need a Plan to Make It Last.
who we partner with - Retirees & Pre-Retirees
Designed for Retirees & Pre-Retirees Who...
Have spent decades saving and investing but have never had someone sit down and show them whether it’s actually enough
Are facing a wave of financial decisions — Social Security, rollovers, Medicare, Roth conversions, withdrawal sequencing — and don’t want to guess their way through them
Want a retirement income plan that’s specific, written, and stress-tested against real-world scenarios like market downturns, inflation, and healthcare costs
Value an advisor who explains things in plain language, answers every question patiently, and never makes them feel rushed or pressured
the decisions in front of you
Will My Money Last?
When Should I Take Social Security?
What Do I Do With My 401(k)?
How Do I Create a Reliable Paycheck?
Healthcare Costs and Coverage Gaps
How Complicated Are Taxes in Retirement?
How We Partner With You
Retirement Income Planning
We build a clear, written income plan that shows exactly where your money will come from each month, which accounts to draw from first, and how your income strategy adapts over time. No guesswork. No vague projections.
401(k) and IRA Rollover Strategy
We help you evaluate whether to roll over, convert, or stay — and if you roll over, how to structure the new account for tax efficiency and flexibility. No one-size-fits-all answer here.
Roth Conversion Strategy
There’s often a window in early retirement — before Social Security kicks in and before RMDs begin — where strategic Roth conversions can save you significant money in taxes over the long run. We identify that window and help you use it.
Tax-Efficient Withdrawal Sequencing
The order in which you draw from taxable, tax-deferred, and tax-free accounts has a significant impact on how long your money lasts and how much you keep. We build a withdrawal strategy that minimizes your lifetime tax burden.
Social Security Optimization
We model your claiming options — and your spouse’s — to find the timing that maximizes your household’s lifetime benefit. We factor in taxes, survivor benefits, and coordination with your other income sources.
Healthcare & Medicare Navigation
We help you understand your Medicare options, evaluate supplemental coverage, and plan for long-term care costs — so healthcare expenses don’t become the biggest threat to your retirement savings.
Why Retirees and Pre-Retirees Trust Us
Clarity Over Complexity
We explain everything in plain language. If something doesn’t make sense, we say it differently — we don’t assume you should already know.
Written Plans, Not Vague Promises
You’ll receive a documented retirement income plan with real numbers. Not a pie chart. Not a sales pitch. A plan you can hold in your hands.
Accessible and Responsive
You get direct access to your advisor. No phone trees. No waiting three days for a callback. When you have a question, we’re here.
One Team. Full Picture.
Most firms manage a portfolio. We manage your financial life — investments, tax strategy, retirement plan, estate documents, insurance coverage, and cash flow coordination. Every piece is connected because one team oversees all of it.
Multi-Entity Firm. Single Point of Coordination
Our firm spans a registered investment advisor, a broker-dealer, an insurance practice, and fund management. That means we can execute across capabilities that most advisory firms have to outsource — and you deal with one team instead of four.
Fiduciary Standard
Our wealth management practice is required to act in your best interest. When we recommend an investment — public or private — it's because we believe it belongs in your portfolio based on your goals, your risk profile, and your full financial picture.
FREquently asked questions
What is a family office, and do I need one?
A family office is a dedicated team — or firm — that manages all financial affairs for a high-net-worth family: investments, tax strategy, estate planning, insurance, philanthropy, bill pay, and sometimes lifestyle management. A full single-family office typically requires $50 million or more in assets to justify the overhead of an in-house staff. Most families don’t need to build one from scratch. What they need is the coordination, oversight, and proactive planning that a family office provides — without the cost. At TSG Invest, we deliver a family office-level approach to wealth management through our Private Wealth program: one team coordinating across your investments, estate documents, tax strategy, insurance, and philanthropic goals, working alongside your existing professionals or connecting you with ours.
How often should I update my estate plan?
At minimum, every three to five years — or whenever there’s a major life event such as a birth, death, marriage, divorce, significant change in net worth, or a move to a different state. Changes in federal or state tax law can also make an existing estate plan inefficient or outdated. The most common issue we see is families whose trusts, beneficiary designations, and gifting strategies were drafted for a financial picture that no longer exists. We proactively flag when your estate documents may need attention and coordinate the review with your attorney so your plan always reflects your current wealth, your current wishes, and the current tax landscape.
How do I prepare my children to manage inherited wealth?
It starts much earlier than most families expect — and it goes beyond legal structures. Trusts and beneficiary designations protect assets, but they don’t teach financial responsibility, decision-making, or stewardship. We help families build governance frameworks, introduce next-generation members to financial concepts at age-appropriate levels, and create intentional opportunities for conversations about values, giving, and long-term thinking. For families with significant wealth, we also help structure trusts with incentive provisions — milestones tied to education, career, or community involvement — that encourage responsibility without being punitive. The goal isn’t control. It’s preparation.
What's the most tax-efficient way to make a large charitable gift?
It depends on the asset you’re giving and your overall tax picture. Donating highly appreciated stock directly to a donor-advised fund or charitable remainder trust can eliminate the capital gains tax on those shares while generating a meaningful income tax deduction. For families considering larger or ongoing gifts, a private foundation or charitable lead trust may offer more control and multi-generational impact. The right structure depends on the size of the gift, your income, your estate plan, and your philanthropic timeline. We model the options based on your specific situation and coordinate with your CPA and estate attorney to find the vehicle that maximizes both the impact of your generosity and the efficiency of your tax position.
Can you work with my existing attorney and CPA?
Absolutely Your attorney and CPA know your history, and we have no interest in replacing relationships that are working. We sit at the center and coordinate across your full advisory team so that your investment strategy, tax plan, estate documents, and insurance coverage all point in the same direction. We communicate directly with your professionals, flag issues proactively, and make sure recommendations from one advisor don’t create unintended consequences with another. If you don’t currently have an attorney or CPA you trust, we can connect you with professionals we work with regularly.
What is the difference between a financial advisor and a wealth manager for high-net-worth families?
A financial advisor typically manages an investment portfolio. A wealth manager for high-net-worth families coordinates across the entire financial picture — investments, estate planning, tax strategy, insurance, philanthropic planning, and multi-generational wealth transfer. The distinction matters because at a certain level of wealth, a portfolio is just one piece of a much larger puzzle. If your advisor isn’t asking about your trusts, your tax exposure, your insurance coverage, and your family’s long-term goals — they’re only managing a fraction of what actually matters. At TSG Invest, wealth management means one team overseeing all of it.
How much money do you need for a family office approach to wealth management?
A traditional single-family office typically requires $50 million or more in investable assets to justify the staffing, infrastructure, and overhead. But the planning, coordination, and oversight that make a family office valuable shouldn’t require that threshold. At TSG Invest, our Private Wealth program delivers family office-level service — comprehensive coordination across investments, estate, tax, insurance, and philanthropy — for high-net-worth families who want that depth of attention without building an in-house team. If your financial life is complex enough that no single advisor can see the whole picture, you’re a fit for this approach regardless of a specific asset minimum.