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Welcome to TZG Financial

Our mission at TZG Financial is to educate, encourage and inspire our clients to achieve a safe & secure retirement through informed decision making. Rather than simply providing solutions, we engage in dialogue to ensure our clients fully understand what is required to achieve their objectives, along with the options available to them. By helping create sound retirement income strategies for people in or nearing retirement, our clients have confidence that their retirement income will last as long as they do.

Our goal is to give you access to the current and relevant information available to help you make an informed decision about your financial future. It's never too late to take the first step or get a second opinion. There is wonderful simplicity in combining informed decision making with retirement planning.

Here at TZG Financial

We take pride in our business, and in the relationships we build with our clients. I started this firm to help people like you navigate the financial ups and downs that life brings.
I understand because I've been there.

Let me help you solve your financial puzzle.

TZG Financial

Clients We Serve

Over the years, we have found that our clients, while being very different, have some things in common. They’re looking for the satisfaction that comes from working with a trusted advisor to forge a financial plan they have confidence in. They want to enjoy their lives and not have to worry about the day to day roller coaster ride of the market. They want to make sure their entire financial picture is considered and they expect a partner to help facilitate the process.

TZG Financial
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1Retirement Income Strategies

Retirement income strategies are not just for the wealthy. As retirement nears, the traditional strategy has been to move growth-seeking products to more conservative, fixed-income products. According to a recent study, for a married couple age 65 there is now a 50 percent chance that at least one spouse will live to age 94. (1) This means that you may need to plan for your retirement savings to potentially last 25 to 30 years.

One drawback to a longer life is the greater possibility of outliving your savings — creating all the more reason to develop a retirement income strategy designed to last a longer lifetime. Sixty-one percent of Americans surveyed said they were more afraid of outliving their assets than they were of dying.(2)

A significant loss in the years just prior to and/or just after you retire could negatively impact the level of income you receive over the course of your life. In fact, if a loss occurs earlier in life, there is also the chance that you may have more time to recover (versus a loss occurring later in retirement). Why? Simply because a smaller pool of assets is left to sustain you throughout your retirement years, and your assets may not have as much time to recover. We can help you design a guaranteed* retirement income strategy that incorporates insurance and annuity vehicles to create opportunities for long-term growth as well as guarantee* income throughout your retirement.

  1. Prepared by Ernst & Young Insurance and Actuarial Advisory Services practice. The analysis uses the Annuity 2000 mortality table with Scale G2 mortality improvements.
  2. State of the Insured Retirement Industry: 2012 Recap and a 2013 Outlook, Insured Retirement Institute.
2Asset Protection

Because the market does not provide security, you may want your financial strategies to include some guaranteed* income products. For example, annuities, which are insurance products with guarantees*, can provide a source of supplemental income throughout your retirement.

Twenty-first century asset protection calls for more than just strategic asset allocation. Including products like annuities in your retirement income strategy can help protect your money from declines due to market losses.

Diversifying your retirement assets among a variety of vehicles — both through insurance products and investments, depending on what is appropriate for your situation — may offer you the best chance of meeting your retirement income goals throughout your lifespan.

3IRA & 401(k) Rollovers

When you change jobs or retire, there are four things you can generally do with the assets in any employer-sponsored retirement plan:

  • Leave the money where it is
  • Take the cash (and pay income taxes and perhaps a 10 percent federal penalty tax if you are younger than age 59½)
  • Transfer the money to another employer plan (if the new plan allows)
  • Roll the money over into an IRA

Rolling over from one qualified plan to another qualified plan allows your money to continue growing tax-deferred until you receive distributions in retirement. If you determine to cash out of an IRA, we can help you find suitable vehicles to help you reach your retirement income goals.

4Federal Employee Benefits

We Are Experts in Federal Employee Benefits!

Unfortunately for millions of federal government employees about to retire, traditional retirement strategies do not apply. As federal and civil service employees and members of the uniformed services, you need retirement planning specific to the complex requirements of your benefits. One of the biggest issues you’ll face is finding competent advice from retirement planning professionals who thoroughly understand your benefits.

We counsel federal employees on all of your options available within the federal retirement system, and help you understand what additional products and services are available to assist you in completing your retirement plan. It’s important to maximize your federal benefits, but it’s also important to review your total financial picture.

Because our ultimate goal is to provide you with a comprehensive approach to retirement planning, once your federal retirement options are reviewed, you’ll receive a personal retirement report that enables you to get the most out of your benefits.