Have you reviewed your company's retirement plan?
- Transparency of Fees
- Provide Fiduciary Advice
- Active Management Options
Do you have a strategic partner who's in your corner?
- Thoughtful Communication
- Passionate Participation
- Action and Implementation
Is your financial information available at your fingertips?
- Technology and Tools
- Premier Network of Partners
- Account Aggregation
Navigating Your Financial Journey
Welcome, I’m Timothy Lay, owner and principal of TPA Financial. We understand that there are unique challenges when it comes to planning and preparing for your financial future. We help clear away the confusion and mystery around investing in today’s volatile market place.
Our objective is to serve your best interests while you enjoy, Living Life.
Whether you’re facing retirement—or looking to better understand certain investment ideas—we can help you address your most pressing money questions.
Our first priority is your overall financial success. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of our foundation of success.
Our site is filled with educational videos, articles, presentations, and calculators designed to help you learn more about the world of personal finance. As you search our website, send us a note regarding any questions you may have about any particular investment concepts or products. We’ll get back to you quickly with a thoughtful answer.
"We partner with individuals and business owners on their journey to achieving their financial goals, and serve their best interests along the way so they can focus on what is most important: Living Life"
What to Look for in a Long-Term Care Policy
Here’s a list of 10 questions to ask that may help you better understand the costs and benefits of long-term-care insurance.
How Does Your Credit Score Compare?
Have you ever wondered how your credit score compares to the rest of the country? Take a look and see.
IRA Withdrawals that Escape the 10% Tax Penalty
The list of IRA withdrawals that may be taken without incurring a 10% early penalty has grown.
When you’re married and have children, insurance needs will be different.
Determining the value of your estate, or for someone who has passed away, can be a complex undertaking.
Irrevocable life insurance trusts can be important tools that may accomplish a number of estate objectives.
There are things about Social Security that might surprise you.
It's important to understand how inflation is reported and how it can affect investments.
Having your identity stolen may result in financial loss plus the cost of trying to restore your good name.
Estimate how much you have the potential to earn during your working years.
Determine if you are eligible to contribute to a traditional or Roth IRA.
This calculator demonstrates the power of compound interest.
This calculator can help determine whether it makes sense to refinance your mortgage.
Help determine the required minimum distribution from an IRA or other qualified retirement plan.
This calculator shows how inflation over the years has impacted purchasing power.
There are a number of ways to withdraw money from a qualified retirement plan.
The importance of life insurance, how it works, and how much coverage you need.
Using smart management to get more of what you want and free up assets to invest.
The chances of needing long-term care, its cost, and strategies for covering that cost.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
There are some key concepts to understand when investing for retirement
Roth IRAs are tax advantaged in a different way from traditional IRAs.
Recent changes in estate tax laws could affect the strategy you have in place.
What is your plan for health care during retirement?
Millions faithfully file their 1040 forms each April. But some things about federal income taxes may surprise you.
Around the country, attitudes about retirement are shifting.
Despite recent tax-law changes, many Americans are expected to pay the AMT this year.