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"
Is a Variable Annuity Right for Me?
Pundits go on and on about how “terrible” or “wonderful” annuities are, but they never talk about whether annuities are right
Split Annuity Strategy
Here's one strategy that combines two different annuities to generate income and rebuild principal.
Life and Death of a Twenty Dollar Bill
How long does a $20 bill last?
The Economic Report of the President can help identify the forces driving — or dragging — the economy.
Have income that isn’t subject to tax withholding? Or insufficient withholdings? You may have to pay estimated taxes.
For many, retirement includes contributing their time and talents to an organization in need.
When to start? Should I continue to work? How can I maximize my benefit?
Living trusts are popular, but their appropriateness will depend upon your individual needs and objectives.
Taking regular, periodic withdrawals during retirement can be quite problematic.
This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.
Use this calculator to assess the potential benefits of a home mortgage deduction.
Estimate how much of your Social Security benefit may be considered taxable.
Determine if you are eligible to contribute to a traditional or Roth IRA.
This calculator helps estimate your federal estate tax liability.
Use this calculator to estimate your net worth by adding up your assets and subtracting your liabilities.
Using smart management to get more of what you want and free up assets to invest.
Principles that can help create a portfolio designed to pursue investment goals.
The importance of life insurance, how it works, and how much coverage you need.
Investment tools and strategies that can enable you to pursue your retirement goals.
A presentation about managing money: using it, saving it, and even getting credit.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
Around the country, attitudes about retirement are shifting.
Make your retirement as exciting as your next vacation.
A will may be only one of the documents you need—and one factor to consider—when it comes to managing your estate
Have you found yourself suddenly single? Here are 3 steps to take right now.
What are your options for investing in emerging markets?
There are hundreds of ETFs available. Should you invest in them?