Investment and retirement planning is the process of aligning your investments, tax approach, and retirement accounts into one coordinated strategy built around your goals. At TSG Wealth Management, our retirement plan consultants help individuals and businesses define that strategy, select and manage investments, and prepare for income that can last throughout retirement.
Investment and Retirement Planning
Coordinated Strategies for Individuals and Businesses
What does a retirement plan consultant do?
A retirement plan consultant helps you organize your investments and retirement accounts into a plan designed to meet your long-term goals. At TSG, that means clarifying your objectives, recommending an investment approach suited to your stage of life, managing the portfolio over time, and coordinating with your tax and estate strategy. Our team brings more than 300 years of combined experience to that work.
When should you start investment and retirement planning?
The best time to start is now, regardless of your age or stage. Planning early gives your investments more time to work toward your goals and gives you more flexibility to adjust along the way. Whether you are early in your career, approaching retirement, or already retired, TSG can help you build or refine a plan around where you are today.
The four areas of the TSG planning process
Financial Goals
- Statement of Goals – working together to create a shared mission.
- Investment Plan – the level of risk and the types of investments that make the most sense at your stage of life.
Portfolio Management
- Investment Policy
- Manager Selection
Tax Planning1
- Tax-efficient investment strategies
- Tax reduction strategies
- Social Security Benefits
TSG works alongside your existing CPA or tax advisor, and for clients who want a more integrated approach, we also offer dedicated TSG Tax Management services.
Retirement Planning
- 401(k), 403(b), and 457 plans
- Traditional IRA and Roth IRA
Frequently Asked Questions
What is the difference between investment planning and retirement planning?
Investment planning focuses on how your money is allocated and managed across different assets, while retirement planning focuses on building and preserving income for your retirement years. They overlap heavily, which is why TSG treats them as one coordinated process rather than two separate exercises.
When should I start planning for retirement?
The best time to start is as early as possible, though it is never too late to improve your plan. Starting early gives your investments more time to work toward your goals and gives you more flexibility to adjust along the way. TSG can help whether you are decades from retirement or already there.
What types of retirement accounts can TSG help me manage?
TSG works with a range of retirement accounts, including 401(k), 403(b), and 457 plans, as well as traditional IRAs and Roth IRAs. Our consultants can help you understand how each account fits into your broader retirement strategy.
Can TSG help my business set up a retirement plan?
Yes. TSG helps employers design and manage corporate retirement plans, including profit sharing, 401(k) plans, SIMPLE IRAs, and defined-benefit plans. These plans can strengthen your employee benefits while supporting your own long-term goals.
Does TSG work with my CPA or tax advisor?
Yes. TSG regularly coordinates with clients’ existing accountants, attorneys, and tax professionals to keep your full financial picture aligned. For clients who want tax work handled more directly, TSG also offers dedicated tax management services through TSG Tax Management. We have CPAs on staff and a network of trusted professionals if you need an introduction.1
What is an Investment Policy Statement?
An Investment Policy Statement is a written document that outlines your investment goals, risk tolerance, and the guidelines your portfolio will follow. It helps keep investment decisions consistent and aligned with your long-term objectives over time.
What can I do with a 401(k) from a former employer?
When you leave an employer, you generally have several options for an old 401(k), which may include leaving it in the former plan, moving it to a new employer’s plan, rolling it into an IRA, or taking a distribution. Each option has different tax, fee, and investment considerations. TSG can help you understand the tradeoffs so you can make an informed decision.
Ready to talk?
Contact TSG Wealth Management or call 562.414.0900 to speak with our retirement plan consultants about your investment and retirement planning needs.
1 Wells Fargo Advisors Financial Network and TSG Wealth Management are not legal or tax advisors. You should consult with your attorney, accountant, and/or estate planner before taking any action.