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"
Estate Management Checklist
Is your estate in order? This short quiz may help you assess your overall strategy.
Inventorying Your Possessions
Creating an inventory of your possessions can save you time, money and aggravation in the event you someday suffer losses.
Healthy Body, Healthy Pocketbook
Maintaining a healthy lifestyle can help you reduce health-related expenses—and avoid time in the recovery room.
Determining the value of your estate, or for someone who has passed away, can be a complex undertaking.
When you’re married and have children, insurance needs will be different.
Few contemplate the complex journey that brought their coffee from farm to kitchen table.
Variable Universal Life is permanent insurance in which the policyholder directs how premiums are invested.
Taking regular, periodic withdrawals during retirement can be quite problematic.
Marriage changes everything, including your insurance needs.
This calculator helps estimate your federal estate tax liability.
Use this calculator to compare the future value of investments with different tax consequences.
This calculator compares the net gain of a taxable investment versus a tax-favored one.
This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.
Estimate how much income may be needed at retirement to maintain your standard of living.
Estimate the potential impact taxes and inflation can have on the purchasing power of an investment.
Principles that can help create a portfolio designed to pursue investment goals.
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.
The importance of life insurance, how it works, and how much coverage you need.
There are some smart strategies that may help you pursue your investment objectives
How federal estate taxes work, plus estate management documents and tactics.
That big list of dreams and goals isn't the only way to look at your bucket list.
There’s an alarming difference between perception and reality for current and future retirees.
A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement.
Make your retirement as exciting as your next vacation.
A special needs trust helps care for a special needs child when you’re gone.
Here is a quick history of the Federal Reserve and an overview of what it does.