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# TGS Financial Advisors

Helping successful families build, maintain and preserve lifetime wealth.

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- [XML Sitemap](https://dev-tgsfinancial.pantheonsite.io/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Preparing for Life After High School: A Parent’s Guide to Power of Attorney, Asset Protection, and 529 Tuition Payments](https://dev-tgsfinancial.pantheonsite.io/preparing-for-life-after-high-school-a-parents-guide-to-power-of-attorney-asset-protection-and-529-tuition-payments/) - When your child graduates high school, you will likely experience a mix of pride and nerves. It’s an exciting time! It’s also a legal and financial shift into adulthood with significant changes you’ll want to be prepared for. This article offers practical tips about how you can protect your adult child, protect your own
- [The Essentials of Personal Record Retention: A Practical Guide](https://dev-tgsfinancial.pantheonsite.io/the-essentials-of-personal-record-retention-a-practical-guide/) - WE'RE PRETTY SURE YOU'VE NOTICED that in an increasingly paperless society, there’s still plenty of paperwork. You’re not alone if you’ve found yourself staring at certain documents and asking, do I need to expend the energy to keep these? This guide to personal record retention is bookended with two essential rules. Be sure to
- [When Financial Pros Collaborate, Best Results Emerge](https://dev-tgsfinancial.pantheonsite.io/when-financial-pros-collaborate-best-results-emerge/) - TGS Financial helps clients achieve best financial outcomes with collaboration among advisors, including accountants, lawyers, insurance agents, and others.
- [Market Comment: Opinions on a New Political Era](https://dev-tgsfinancial.pantheonsite.io/market-comment-opinions-on-a-new-political-era/) - Interesting Times, Indeed The intersection of investing and politics is a dangerous one, indeed. It would be foolish to say there is zero interplay between the two. For example, markets typically do better before an election than after, though the effect is small. But countless investors have made irreversible errors by overplaying the importance
- [The Right Way to Spend from Your 529 Plan](https://dev-tgsfinancial.pantheonsite.io/the-right-way-to-spend-from-your-529-plan/) - Understand the basics to make the most of your 529 plan. Learn more about which expenses qualify, 529 record keeping and how to make 529 plan withdrawals.
- [Freezing Your Credit: A Powerful Tool for Protecting Your Identity](https://dev-tgsfinancial.pantheonsite.io/freezing-your-credit-a-powerful-tool-for-protecting-your-identity/) - In an era where digital threats are rampant, safeguarding your financial identity is paramount. One of the most effective yet underutilized measures is freezing your credit. This simple action can prevent fraudsters from exploiting your personal information and opening unauthorized accounts in your name. Why Freeze Your Credit? Imagine discovering that a loan has been
- [Are You Prepared Enough to Be a Hero to Your Family?](https://dev-tgsfinancial.pantheonsite.io/are-you-prepared-enough-to-be-a-hero-to-your-family/) - esearch suggests that fewer than half of Americans have a will. Even among high net worth families, close to half have no estate documents. The consequences for this lack of planning can be dire. When someone dies without a will (lawyers call this “dying intestate”), their heirs will likely face a time-consuming and costly project.
- [Five Highlights from SECURE 2.0](https://dev-tgsfinancial.pantheonsite.io/five-highlights-from-secure-2-0/) - ON DECEMBER 23, 2022, Congress passed the SECURE 2.0 Act, building on legislation passed in late 2019 with many changes meant to strengthen the retirement system. Here are five key areas we’re highlighting for our clients. The age for required minimum distributions (RMDs) increases from 72 to 73 starting on January 1, 2023. The age
- [Is It Time to Cash Out Your I-Bonds?](https://dev-tgsfinancial.pantheonsite.io/is-it-time-to-cash-out-your-i-bonds/) - In June 2022, as the rate for I-Bonds had risen to an attractive annual interest rate of 9.62%, we posted an article called “Should You Purchase Series I-Bonds?” In that piece, we outlined how I-Bonds work and why some investors might want to take advantage of them. With inflation slowing down, the relatively high
- [Better Inheritors: Steps to Prepare Your Heirs and Improve Your Legacy](https://dev-tgsfinancial.pantheonsite.io/better-inheritors-steps-to-prepare-your-heirs-and-improve-your-legacy/) - AN INTERGENERATIONAL PLAN sets down how your family’s wealth will be managed and transferred to heirs next in line and to future generations. An ideal plan aims to create durable improvement in your family tree, continually building on prior successes and making the world a better place for your heirs down the line. To do
- [Market Rotation: The Last Shall Be First](https://dev-tgsfinancial.pantheonsite.io/market-rotation-the-last-shall-be-first/) - In December 2021, I spoke with a friend about the excesses of tech stock valuations. I commented that Tesla, with a valuation equal to that of the nine largest carmakers combined, was priced as if Tesla was the company that would sell every car in the world at some future date. My friend thought
- [Remembering Jimmy](https://dev-tgsfinancial.pantheonsite.io/remembering-jimmy/) - History doesn't repeat itself, but it often rhymes. ~often attributed to Mark Twain It’s déjà vu all over again. ~Yogi Berra Coming from a line of collegiate historians, I often see parallels to the past in current events. Sometimes those links seem strained, but other times they seem quite real and urgent, as they
- [Mobile Check Deposit: Easy & Convenient](https://dev-tgsfinancial.pantheonsite.io/mobile-check-deposit-easy-convenient/) - he Raymond James Client Access mobile app includes a mobile check deposit feature. You can safely and easily deposit checks using the camera on your smartphone or tablet. The process is fast and extremely convenient. No more carrying checks around in your purse or wallet, or having to send them through the mail. How
- [Returns Through a Century of Recessions](https://dev-tgsfinancial.pantheonsite.io/returns-through-a-century-of-recessions/) - Here's a fascinating analysis from our friends at Dimensional Funds. Remembering my grandfather's experiences as a growth stock investor in the late 1960s, and having lived through the 70s and 80s as an advisor, two facts stand out: 1) The potential downside losses when a bubble bursts can be much larger than we've
- [Bear Market Strategy & Tactics](https://dev-tgsfinancial.pantheonsite.io/bear-market-strategy-tactics/) - It’s official. Another bear market has begun. On June 13, the S&P 500 Stock Index moved into bear territory, defined as a 20% down move from the prior high, which in this case occurred in November of 2021. A big change in less than seven months. As advisors, the most important work we do
- [Should You Purchase Series I Bonds?](https://dev-tgsfinancial.pantheonsite.io/should-you-purchase-series-i-bonds/) - Government-issued Series I Bonds (“I” for inflation) are currently available with a 9.62% annual interest rate. That’s an attractive return, and if inflation stays high, so will the I-Bond yield. While purchasing I-Bonds could be an investment decision for some, we view I-Bonds as a cash management decision for the majority of our clients.
- [Warren Buffett’s Two Rules, and Some Advice from My Mom](https://dev-tgsfinancial.pantheonsite.io/warren-buffetts-two-rules-and-some-advice-from-my-mom/) - Warren Buffett often says he has only two rules for investing: Rule #1: Don’t lose money. Rule #2: Don’t forget Rule #1. Which makes Warren Buffett’s wealth hard to understand. The most novice of stock investors has seen their shares decline in price, which seems the very definition of losing money. How can you accumulate
- [Ten Facts for the New Year](https://dev-tgsfinancial.pantheonsite.io/ten-facts-for-the-new-year/) - 1) Since 1927, value stocks have outperformed growth stocks by 4.1% per year on average. 2) Over the last ten years, growth stocks have outperformed value stocks by almost 10% per year on average. 3) Over all trailing ten-year periods since 1937, growth has outperformed value only 15 times out of 83.
- [Update Your Cyber Hygiene](https://dev-tgsfinancial.pantheonsite.io/update-your-cyber-hygiene/) - These days, it’s as important to lock our online homes as it is to lock our cars or physical homes. I was reminded of this recently when I checked my email and found a barrage of middle-of-the-night credit card purchases I hadn’t made. A thief had hacked in despite the fairly advanced security settings
- [Market Comment, August 2021](https://dev-tgsfinancial.pantheonsite.io/market-comment-august-2021/) - he question of portfolio performance, both relative and absolute, is one we think about and discuss frequently. In this mid-summer 2021 comment, we’ll share some of our thinking, supported by data. Diversification is the core strategy. Most prudent institutions use diversification to manage risk and increase confidence about their ability to deliver on their long-term
- [7 Ways to Bolster Your Finances in Troubling Times](https://dev-tgsfinancial.pantheonsite.io/7-ways-to-bolster-your-finances-in-troubling-times/) - ow can you shore up your finances in today’s uncertain world? Here are some ideas. If you have any questions or would like to discuss your portfolio, feel free to sign up for a free consultation. You may find you’re in a much better position than you realized. 1. Keep enough cash in reserve. For
- [The SECURE Act Brings New Challenges](https://dev-tgsfinancial.pantheonsite.io/the-secure-act-brings-new-challenges/) - n December 20, 2019 the Setting Every Community Up for Retirement Enhancement Act of 2019 (SECURE Act) was signed into law, with many of its key provisions effective January 1, 2020. The SECURE Act brings significant changes to retirement accounts, some positive for investors and some less so. The SECURE Act increases the required minimum
- [Surviving Market Downturns](https://dev-tgsfinancial.pantheonsite.io/surviving-market-downturns/) -  James Hemphill, CFP®, CIMA®, CPWA®, and Audrey Libois, CFP® discuss recession and bear market strategies in this 30-minute webinar. 01:00 will a recession happen? 01:30 definitions: recessions & bear markets 08:10 comparing recessions & bear markets 09:47 the December 2018 decline 11:00 how to prepare for a recession? 13:25 what do we do about
- [How Grandparents Can Help With (and Not Hurt) College Funding](https://dev-tgsfinancial.pantheonsite.io/how-grandparents-can-help-with-and-not-hurt-college-funding/) - any grandparents want to help pay for their grandchild’s college tuition. Not only can it bring them great personal satisfaction, it can also be a smart way to pass along wealth without having to pay gift and estate taxes. But grandparents beware—giving money at the wrong time or in the wrong manner can do damage
- [Is Your Saving Strategy the Best It Can Be?](https://dev-tgsfinancial.pantheonsite.io/is-your-saving-strategy-the-best-it-can-be/) - s the deadline for making 2018 annual contributions to IRAs, Roth IRAs, and some other retirement plans approaches (April 15, 2019), it’s a good time to highlight some best practices for saving. (Certain retirement plans allow contributions past April 15.) Running the Numbers Your retirement savings should always be in service to your long-term goals. We
- [Market Comment & Why the Best Advisors Use the F-Word](https://dev-tgsfinancial.pantheonsite.io/market-comment-why-the-best-advisors-use-the-f-word/) -  David Burd, CFP®, Managing Director, and Phillip Deerwester, Chief Compliance Officer and Portfolio Analyst, discuss recent markets and some of the most important characteristics of the best financial advisors in this 17-minute webinar. 02:25 market review 03:39 F is for fiduciary 04:16 fiduciaries vs. broker-dealers 05:16 Registered Investment Advisors (RIAs) 06:44 duty of care
- [A Simple Way to Share Your Success](https://dev-tgsfinancial.pantheonsite.io/a-simple-way-to-share-your-success/) - s financial advisors, few things ever make us as happy as a referral. When the news that a client has recommended TGS to a friend or family member makes its way through the office, it always generates a feeling of excitement and pride. Talk about validation—what could be better than getting new business from
- [Big Bets on Trends Prove Disastrous Again](https://dev-tgsfinancial.pantheonsite.io/big-bets-on-trends-prove-disastrous-again/) - The dangers of investment trend-following become apparent when a trend reverses. Learn more about how low volatility made investors more susceptible to risk.
- [If Trends Reverse](https://dev-tgsfinancial.pantheonsite.io/if-trends-reverse/) - istory has shown us that every investment class tends to have its moment in the sun and then rotates out of favor. We’ve spent lots of time talking about the downside risks of chasing growth and tech, but what we haven’t discussed much are the potential advantages of out-of-favor value strategies. That potential upside is
- [2018 Year in Review & 2019 Outlook](https://dev-tgsfinancial.pantheonsite.io/2018-year-in-review-2019-outlook/) - TGS experts recap markets in 2018 and discuss 2019 market conditions and growth versus value investing with a particular focus on current investing risks in this 30-minute webinar.
- [Having Enough in Retirement](https://dev-tgsfinancial.pantheonsite.io/having-enough-in-retirement/) - e’ve had several prospective clients reach out to our practice in recent weeks. All have been within five years of retirement, and all asked us to help them address a key concern: Do I have enough money to retire? We’ve helped hundreds of individuals and couples to answer this essential question. Retirement planning is
- [Midterm Elections: What Do They Mean for Markets?](https://dev-tgsfinancial.pantheonsite.io/midterm-elections-what-do-they-mean-for-markets/) - t’s Election Day in the US once again. For those who need a brief civics refresher, every two years the full US House of Representatives and one-third of the Senate are up for reelection. While the outcomes of the today’s elections are uncertain, there have been plenty of opinions and prognostications ahead of the
- [Mid-Year Review & Outlook](https://dev-tgsfinancial.pantheonsite.io/mid-year-review-outlook/) -  James Hemphill, CFP®, CIMA®, CPWA®, Managing Director and Chief Investment Strategist, and Phillip Deerwester, Chief Compliance Officer and Portfolio Analyst, discuss market conditions in the context of potential trade wars and the FAANGs in this 30-minute webinar. 01:00 dangers, opportunities, strengths 03:30 valuation risk 05:44 late cycle bull market 07:00 market leadership: FAANG stocks
- [The Return of Volatility](https://dev-tgsfinancial.pantheonsite.io/the-return-of-volatility/) -  TGS Financial Advisors: The Return of Volatility from TGS Financial on Vimeo. Excerpts from this webinar: "What has made 2018 year-to-date so different? Nothing! What was unusual, to the point of being extraordinary, was 2017." "Volatility and price changes are normal conditions of the markets." "This is a really important time in the markets.
- [Are Index Funds Dangerous?](https://dev-tgsfinancial.pantheonsite.io/are-index-funds-dangerous/) - e’ve written about the fact that indexing is a simple, sensible strategy for average investors that can capture core returns in a tax-efficient and low-cost way. It’s a method that’s likely to beat the typical performance-chasing behaviors that plague the average active investor. Buying the S&P 500 Index is usually better than chasing the
- [Important Disclosure](https://dev-tgsfinancial.pantheonsite.io/important-disclosure/) - IMPORTANT DISCLOSURE INFORMATION TGS Financial Advisors (“Company”) is an SEC registered investment adviser located in Radnor, Pennsylvania. Company may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Company’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access
- [Market Break](https://dev-tgsfinancial.pantheonsite.io/market-break/) - TGS Financial's investment posture is more defensive than that of many other advisors and is designed to reduce downside exposure during a market decline.
- [6 Reasons Your Children Should Meet Your Financial Advisor (and How to Make It Happen)](https://dev-tgsfinancial.pantheonsite.io/6-reasons-your-children-should-meet-your-financial-advisor-and-how-to-make-it-happen/) - Well-designed family meetings help families communicate and build legacies. Learn how TGS Financial can help your family prosper across time.
- [Your Financial Plan & The New Tax Bill](https://dev-tgsfinancial.pantheonsite.io/your-financial-plan-the-new-tax-bill/) - TGS advisors recap 2017 markets, share their mindset about market strategy, and discuss financial planning in light of recent tax reforms.
- [Preparing, Not Predicting: Tax Reform & Your Portfolio](https://dev-tgsfinancial.pantheonsite.io/preparing-not-predicting-tax-reform-your-portfolio/)
- [The Equifax Breach: 5 Steps You Can Take to Protect Yourself](https://dev-tgsfinancial.pantheonsite.io/the-equifax-breach-5-steps-you-can-take-to-protect-yourself/) - quifax, one of the three major consumer credit reporting agencies in the United States, has announced one of the largest data breaches in history. According to Equifax, the breach occurred between mid-May and July 2017 and may have affected almost half the US population. The information accessed includes names, Social Security numbers, birth dates,
- [Lessons for the Next Crisis](https://dev-tgsfinancial.pantheonsite.io/lessons-for-the-next-crisis/) - t will soon be the 10-year anniversary of when, in early October 2007, the S&P 500 Index hit what was its highest point before losing more than half its value over the next year and a half during the global financial crisis. Over the coming weeks and months, as other anniversaries of major crisis-related
- [Why We Prefer 529s Over UTMAs](https://dev-tgsfinancial.pantheonsite.io/why-we-prefer-529s-over-utmas/) - here are several vehicles that can be used to save money for college, and each has its own set of rules and complexities. As it is with most financial topics, your options for education funding should be reviewed by your financial advisor before you make a selection. This article compares and contrasts a few
- [A More Realistic and Useful Accounting of Net Worth](https://dev-tgsfinancial.pantheonsite.io/a-more-realistic-and-useful-accounting-of-net-worth/) - the last two years, we’ve developed an educational channel for physicians that’s taken the form of a video series and a workshop series, both designed to introduce key financial concepts and strategies. Pulling this content together has helped us to hone our observations about what works in personal finance and to build a systematic
- [Mid-Year 2017 Review & Outlook](https://dev-tgsfinancial.pantheonsite.io/mid-year-2017-review-outlook/) - James Hemphill CFP®, CIMA®, CPWA®, Managing Director and Chief Investment Strategist and Phillip Deerwester, Chief Compliance Officer and Portfolio Analyst, discuss what the markets have done so far in 2017, market volatility & revisiting risk, and opportunities in current markets.
- [Home - Intro](https://dev-tgsfinancial.pantheonsite.io/home-intro/) - TGS Financial Advisors helps successful families build, maintain and preserve lifetime wealth.
- [The Potential Return Advantages of Foreign Stocks: One Year Later](https://dev-tgsfinancial.pantheonsite.io/the-potential-return-advantages-of-foreign-stocks-one-year-later/) - year ago we shared a Wall Street Journal article with our clients and friends because we found it persuasive on the subject of global stock market valuations. That article, The Case for More Overseas Stock Exposure—And Where, documented the high prices of US equities, and the lower prices of all other world equity markets. The
- [The Potential Return Advantages of Foreign Stocks](https://dev-tgsfinancial.pantheonsite.io/the-potential-return-advantages-of-foreign-stocks/) - s soon as we read The Case for More Overseas Stock Exposure—And Where in the Wall Street Journal, we knew we wanted to share it with our newsletter readers. We believe the Journal has clearly captured one of the core trends driving our current asset allocation—the extreme valuations for U.S. stocks compared to those of
- [Do You Need a Life Insurance Review?](https://dev-tgsfinancial.pantheonsite.io/do-you-need-a-life-insurance-review/) - he question I always try to answer when I talk with clients about insurance is “What are you insuring against?” With home owner’s insurance, you know exactly what you’re insuring against. You have a good idea of what your maximum replacement cost would be, and it’s possible to make an informed decision about how
- [Brexit, After a Breath](https://dev-tgsfinancial.pantheonsite.io/brexit-after-a-breath/) - olatility is never fun while it’s happening. But financial advisors get paid to remain dispassionate in the face of market turmoil and to help their clients do the same. The fallout from the unanticipated Brexit vote result led to a lot of downward market action Friday last week and Monday this week. We suspect a
- [The Real Estate Illusion](https://dev-tgsfinancial.pantheonsite.io/the-real-estate-illusion/) - ust yesterday I met with a client who is also a good friend. She told me that another friend had just sold her house, in preparation for a move south to be closer to family. The sales price stunned me. It was more, for a semi-detached house in a small nearby city, than my
- [Thinking Clearly About Risk](https://dev-tgsfinancial.pantheonsite.io/thinking-clearly-about-risk/) - everal months ago I completed a week-long classroom program at the University of Chicago’s Booth Business School, as preparation for the Certified Private Wealth Advisor (CPWA®) designation, which I received in April. The CPWA® program focuses less on investment strategy, and more on issues of asset protection and wealth transfer, than did the Certified
- [Know Your Medicare Calendar to Avoid a Costly Mistake](https://dev-tgsfinancial.pantheonsite.io/know-your-medicare-calendar-to-avoid-a-costly-mistake/) - nrollment in Medicare is not automatic, and anyone approaching eligibility should know that they will not receive any official reminder about enrolling unless they’re already collecting Social Security benefits. Each person is responsible for knowing the 7-month window for initial Medicare enrollment that falls around their 65th birthday. But it can be easy to
- [College Funding is a Retirement Planning Problem, and Vice Versa](https://dev-tgsfinancial.pantheonsite.io/college-funding-is-a-retirement-planning-problem-and-vice-versa/) - can speak to this issue both professionally and personally. I have two kids already in college (a freshman and a sophomore) and a third who is a sophomore in high school. The issue of college costs arises often with our clients, among almost all those with children, even those those with very high income
- [How to Simplify Your RMD](https://dev-tgsfinancial.pantheonsite.io/how-to-simplify-your-rmd/) - ach year we track and make sure that the necessary distributions happen for our RMD-eligible clients. This includes not only those who are 70½ and older, but also all those who have inherited IRAs. It’s important that RMDs are completed by the December 31 deadline to avoid steep penalties. The following account types are subject
- [The Election & Your Money](https://dev-tgsfinancial.pantheonsite.io/the-election-your-money/) - his was my eleventh presidential election, and surely the most contentious. We now know the outcome, which is disturbing to half the voting public, while not necessarily reassuring to the rest. What are the investment implications of this election? How will the results affect our portfolios? Are there actions we should take, now that
- [Trump, Taxes and Markets](https://dev-tgsfinancial.pantheonsite.io/trump-taxes-and-markets/) - he essence of investment management is decision-making amidst uncertainty. Those times when the perception of certainty is highest are often followed by outcomes that confound our expectations. Speaking of confounded expectations, let’s examine how the recent election affects our investment decisions, with a focus on tax optimization strategies. One month ago, the strong consensus
- [Fine--Cut My Pay!](https://dev-tgsfinancial.pantheonsite.io/fine-cut-my-pay/) - “Experience is simply the name we give our mistakes.” –Oscar Wilde an you imagine circumstances that might cause someone to say “Go ahead, cut my pay?” My guess is that most readers imagine an angry resignation beneath the utterance of such a phrase—because the person saying it has no choice but to accept a lower
- [What to Think About Bonds Now](https://dev-tgsfinancial.pantheonsite.io/what-to-think-about-bonds-now/) - t’s been awhile since we’ve talked about bonds, and recent headlines have suggested that bonds may be entering a bear market. So we’d like to share our thoughts about the bond market and—very much related—the Fed’s recent decision to raise interest rates by 0.25%. Before we get into the data and the details of the
- [4 Fundamental Strategies for Protecting Your Money as You Age](https://dev-tgsfinancial.pantheonsite.io/4-fundamental-strategies-for-protecting-your-money-as-you-age/) - “There is a fountain of youth: it is your mind, your talents, the creativity you bring to your life and the lives of people you love. When you learn to tap this source, you will truly have defeated age.” --Sophia Loren “When I was a boy the Dead Sea was only sick.” --George Burns
- [Dow 20,000: The Allure of Getting High](https://dev-tgsfinancial.pantheonsite.io/dow-20000-the-allure-of-getting-high/) - Wednesday January 25, 2017, after several months of sideways action, the Dow Jones Industrial Average hit 20,000. In fact, the market closed sharply higher, at 20,068.51. What does it mean? The short answer is: not much. Let’s review some market history for context. • January 18, 1966 - The Dow breached the 1,000 mark for the
- [What We Talk About When We Talk About All-Time Market Highs](https://dev-tgsfinancial.pantheonsite.io/what-we-talk-about-when-we-talk-about-all-time-market-highs/) - certain parts of the financial market cycle, investors begin to behave less as individuals and more as a herd. As emotions take over, reasoning ability is compromised and calculation gives way to expectation. What is happening right now becomes all important. The chance for profits seems both immediate and certain, while the danger of loss appears theoretical
- [Don’t Underestimate This Crucial Key to Building Wealth](https://dev-tgsfinancial.pantheonsite.io/dont-underestimate-this-crucial-key-to-building-wealth/) - As the deadline for making 2016 annual contributions to IRAs and Roth IRAs approaches (April 18, 2017), it’s the perfect time to outline best practices for saving. How do you know if your saving strategy is solid? Consider these 5 pillars for success: 1. You’ve started no way around it: with ample time, compound interest is
- [Weighing the French Election](https://dev-tgsfinancial.pantheonsite.io/weighing-the-french-election/) - he first round of voting in the French presidential election was held on April 23. On May 7, a runoff election will be held between the two top candidates, the far-right Marine Le Pen and centrist Emmanuel Macron, to determine France’s new president. Markets have been unsettled as investors contemplate the possibility that the leadership
- [The Danger of Being High](https://dev-tgsfinancial.pantheonsite.io/the-danger-of-being-high/) - James Hemphill CFP®, CIMA®, CPWA®, Managing Director and Chief Investment Strategist and Phillip Deerwester, Chief Compliance Officer and Portfolio Analyst, discuss the current overheated US market and global markets in the context of market history since 1969.
- [A Simple, Powerful Message](https://dev-tgsfinancial.pantheonsite.io/a-simple-powerful-message/) - recent weeks, we’ve answered a lot of questions from clients about our investment strategy. With the Trump rally driving U. S. stock prices to new highs, it’s understandable that the main thrust of many of those questions is this: When are we going to catch up to current events and get fully invested? It’s easy
- [January 21, 2016 Market Update: Surviving the Storm](https://dev-tgsfinancial.pantheonsite.io/january-21-2016-market-update-surviving-the-storm/) - Here on the east coast of the U.S., we are expecting a major winter storm. The forecast calls for up to two feet of snow. Bread and milk are disappearing from store shelves. My wife reminds me that I promised to buy a generator, and did not. We have already been hit by ugly weather
- [Inside the Black Box: Adding a New Dimension](https://dev-tgsfinancial.pantheonsite.io/inside-the-black-box-adding-a-new-dimension/) - Starting in mid-January, we began to implement one of the most significant changes to our Dynamic Contrarian Portfolio Strategy (DYCOPS) since we launched it back in mid-1998. We began to include mutual funds from Dimensional Funds Advisors as our baseline picks in some of our asset classes. We think this change represents a potentially significant
- [Functional Wealth](https://dev-tgsfinancial.pantheonsite.io/functional-wealth/) - Do you know the difference between a traditional and a functional balance sheet? This excerpt from Changing Outcomes makes the important distinction. One of the hottest areas of medicine right now is functional aging. According to this model, your chronological age is less important than your functional age, as defined by your mental and physical state.
- [2016 Year in Review & 2017 Outlook](https://dev-tgsfinancial.pantheonsite.io/2016-year-in-review-2017-outlook/) - 2016 Year in Review & 2017 Outlook from TGS Financial on Vimeo.
- [The Markets & The Election Season: October 2016 Investor Call](https://dev-tgsfinancial.pantheonsite.io/the-markets-the-election-season-october-2016-investor-call/) - The Markets & The Election Season: October 2016 from TGS Financial on Vimeo.
- [July 2016 Investor Call: How to Get Rich](https://dev-tgsfinancial.pantheonsite.io/july-2016-investor-call-how-to-get-rich/)
- [5 Things to Think About When You Start Planning Your Legacy](https://dev-tgsfinancial.pantheonsite.io/5-things-to-think-about-when-you-start-planning-your-legacy/) - There are many questions that need to be answered before estate planning documents can be drafted. I always advise having a big picture idea of what you are trying to accomplish with your legacy before you meet with your estate attorney. The answers will be both important and highly personal to you, and it’s easy to
- [April 2016 Investor Call](https://dev-tgsfinancial.pantheonsite.io/april-2016-investor-call/)
- [Pursuing a Better Investment Experience](https://dev-tgsfinancial.pantheonsite.io/pursuing-a-better-investment-experience/)
- [Indexed Annuities: A Wolf in S&P’s Clothing](https://dev-tgsfinancial.pantheonsite.io/indexed-annuities-a-wolf-in-sps-clothing/) - In the aftermath of the stock market crashes of 2000-02 and 2008-09, an insurance product called an indexed annuity has been heavily promoted on talk radio and at “educational” dinners. Unlike fixed annuities, which grow at a low, constant rate, or variable annuities, which rise or fall with their underlying investments, indexed annuities promise something
- [What's New (And What Isn't) for 2016](https://dev-tgsfinancial.pantheonsite.io/whats-new-and-what-isnt-for-2016-3/) - In many respects, 2016 looks a lot like 2015. Federal tax brackets, Social Security paychecks, and retirement plan contribution limits are all linked to inflation. With no inflation to speak of, the figures for this year will remain practically unchanged. But there are a few significant changes to keep in mind. First, a couple of
- [January 2016 Investor Call](https://dev-tgsfinancial.pantheonsite.io/january-2016-investor-call/)
- [Disclosure](https://dev-tgsfinancial.pantheonsite.io/disclosure/) - Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by TGS Financial Advisors), or any non-investment
- [6 Wealth Management Tips for a Good Year](https://dev-tgsfinancial.pantheonsite.io/6-wealth-management-tips-for-a-good-year/) - 1. Know the impact of your saving and spending. Clarity around what you are saving or spending is one of the greatest tools you have when it comes to managing your financial success. Knowing whether your goals for the future are realistic and doable is a matter of running the numbers when goals are established.
- [September 2015 Investor Call](https://dev-tgsfinancial.pantheonsite.io/sept-2015-investor-call/)
- [Two Ways Employer Matches Backfire](https://dev-tgsfinancial.pantheonsite.io/two-ways-employer-matches-backfire/) - When an employer offers to match 401(k) contributions—for instance, by pitching in an additional 50% of the first 6% of salary an employee defers into the plan—some very nice things can happen. Individuals who might not otherwise have contributed may choose to save a few dollars in order to get the “free money” their employers
- [What You Need to Know about the Changes to Social Security](https://dev-tgsfinancial.pantheonsite.io/what-you-need-to-know-about-the-changes-to-social-security/) - Since 2000, it has been possible for married couples to collect one spousal benefit while both individuals delayed receiving their own Social Security benefits—in effect, allowing couples to increase the size of their eventual benefits by 8% a year until age 70 while still receiving a modest paycheck each month to tide them over. For
- [How to Contribute More to Your Roth Than You Thought You Could](https://dev-tgsfinancial.pantheonsite.io/how-to-contribute-more-to-your-roth-than-you-thought-you-could/) - The 2015 limit for Roth IRA contributions is $5,500 ($6,500 for those 50 or older). If your income is above $131,000 ($193,000 for those who are married and filing jointly), you can’t contribute anything to a Roth. Or so the published IRS limits would have you believe. In fact, there are two strategies that can
- [6 Tips for Your Legacy](https://dev-tgsfinancial.pantheonsite.io/6-tips-for-your-legacy/) - For most people, writing (or equally important, updating) a will tends to sit at the top of the “not now, thanks” list, along with dental appointments and colonoscopies. (Sorry, doctors.) A discussion about the things you will leave behind when you die will certainly carry an emotional charge. There isn’t much to be done about
- [Inside the Black Box: Beyond the Green Box](https://dev-tgsfinancial.pantheonsite.io/inside-the-black-box-beyond-the-green-box/) - Pretty much all of our investment decision-making happens amid uncertainty. As rational investors, we seek to maximize our opportunities while minimizing our risks. More accurately, since these two goals are generally in tension, we seek to construct a portfolio with the right risk/reward ratio, given our goals, cash flow requirements, time horizon, and financial and
- [Home - Who We Serve](https://dev-tgsfinancial.pantheonsite.io/home-who-we-serve/) - We believe in long-term commitments. Our founders still work with families that they met early in their careers, and in some cases TGS engages with three generations of the same family. Some of our most rewarding work lies in helping successful families to preserve wealth for their children and grandchildren. Learn more about who we

## Pages

- [Important Disclosure Information](https://dev-tgsfinancial.pantheonsite.io/important-disclosure-information/) - Web Site Disclosures - 4908-6314-4869
- [About Us](https://dev-tgsfinancial.pantheonsite.io/about-us/) - TGS Financial Advisors is a fee only advisory firm. We have no sales quotas. We sell no proprietary products. Nobody tells us what to do.
- [Disclosures](https://dev-tgsfinancial.pantheonsite.io/disclosures/) - Form ADV Part 2A Form ADV Part 2B Wrap Fee Program Brochure Privacy Policy Form CRS (Client Relationship Summary / ADV Part 3) Important Disclosure Information TGS Financial Advisors (“Company”) is an SEC registered investment adviser located in Radnor, Pennsylvania. Company may only transact business in those states in which it is registered, or qualifies for
- [A Team Approach](https://dev-tgsfinancial.pantheonsite.io/a-team-approach/) - Meet the team of financial advisors at TGS Financial. Our team includes talented individuals with diverse backgrounds in the humanities, business and finance.
- [Fee FAQ](https://dev-tgsfinancial.pantheonsite.io/fee-faq/) - Why are you making this change now? What took you so long? What steps are you taking to address your workflow challenges? What other changes can I expect? Remind me again. How are you guys paid? What changes will you be making to your Assets Under Management (AUM) fee for investment services? Will there be
- [White Papers](https://dev-tgsfinancial.pantheonsite.io/white-papers/) - TGS Financial Advisors has one of the largest collections of financial whitepapers around. These financial whitepapers include tips for retirees, physicians, and many more.
- [Books For Physicians](https://dev-tgsfinancial.pantheonsite.io/books-for-physicians/) - See our full list of financial strategy books for physicians. Get your FREE copy today!
- [Resources](https://dev-tgsfinancial.pantheonsite.io/resources/) - TGS Financial has a full archive of financial resources that include whitepapers, programs, books, & much more.
- [Disclosure](https://dev-tgsfinancial.pantheonsite.io/disclosure/) - Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by TGS Financial Advisors (“TGS”), or any
- [Who We Serve](https://dev-tgsfinancial.pantheonsite.io/who-we-serve/) - TGS Financial Advisors serves over 250 households in all stages of life, and in a multitude of diverse professions.
- [News Directory](https://dev-tgsfinancial.pantheonsite.io/news-directory/) - Stay up to date on the latest financial news and tips with TGS Financial. Our financial news directory contains videos, news, & much more.
- [Programs For Physicians](https://dev-tgsfinancial.pantheonsite.io/programs-for-physicians/) - See our full list of financial strategy programs for physicians. See our full list of FREE programs here!
- [Resources for Retirees](https://dev-tgsfinancial.pantheonsite.io/resources-for-retirees/) - See our full list of financial resources for retirees. TGS Financial has the latest whitepapers for retirees looking for some additional financial advise.
- [Home Page](https://dev-tgsfinancial.pantheonsite.io/home-page/)
- [Contact Us](https://dev-tgsfinancial.pantheonsite.io/contact-us/) - Contact TGS Financial Advisors any time at 1 (800) 525-4075. TGS Financial is located in the Philadelphia, PA area.

## Team

- [Thomas A. Rylko, CFP®, RMA®](https://dev-tgsfinancial.pantheonsite.io/team/thomas-a-rylko-cfp/) - Tom brings deep experience managing the complex financial needs of affluent clients, helping them navigate sophisticated investment strategies, tax planning, and legacy concerns. As a senior financial advisor, Tom oversees the development of the firm’s investment and planning proposals with a commitment to quality and clarity in every recommendation. His thorough approach has made him
- [Yousef Almbaid](https://dev-tgsfinancial.pantheonsite.io/team/yousef-almbaid/) - As an integral member of the TGS trading team, Yousef places investment trades and implements investment strategies designed to meet clients’ unique goals. He plays a key role on the portfolio and data side as well, supporting performance tracking, analysis, and the development of actionable insights for advisors and clients alike. Yousef also assists with
- [James S. Hemphill, CFP®, CIMA®, CPWA®](https://dev-tgsfinancial.pantheonsite.io/team/james-s-hemphill-cfp-chfc-cima/) - Jim Hemphill is a nationally recognized financial strategist and the driving force behind TGS Financial. With more than four decades of experience managing individual client portfolios, Jim is celebrated for his unwavering commitment to supporting his clients’ hard work and good financial habits, and for helping them achieve the positive outcomes they deserve. As Chief
- [Julie Guthier](https://dev-tgsfinancial.pantheonsite.io/team/julie-guthrie/) - Julie received her Bachelor of Science in Business Administration from Millersville University in 2008. She also holds a Master of Library Science. As Portfolio Systems Manager, she is responsible for maintaining portfolio management software platforms, ensuring data integrity and reconciliation, and supporting portfolio reporting and performance analysis to help the firm deliver accurate investment insights
- [Caroline Kiser](https://dev-tgsfinancial.pantheonsite.io/team/caroline-kiser/) - Caroline joined TGS in 2024 as a Planning Associate. With a bachelor's degree in philosophy from Union College and prior experience in the venture capital sector, Caroline aims to bring a dynamic perspective to the team. She is enthusiastic about the opportunity to grow with the firm and is pursuing her CFP® certification. Caroline looks
- [Sandra Stewart](https://dev-tgsfinancial.pantheonsite.io/team/sandra-stewart/) - As the TGS Executive Assistant, Sandra manages the administrative, planning, and coordination needs of Jim and the entire professional staff. Sandra studied linguistics at York University in Toronto, before pursuing her career in the financial services sector. She has more than twenty years of business experience, including development, sales, and client acquisition. Originally from Toronto, Sandra enjoys spending
- [Marvin Barron, CFP®](https://dev-tgsfinancial.pantheonsite.io/team/marvin-barron-cfp/) - As the firm’s Research Director, Marvin maintains and updates our proprietary investment model, the Dynamic Contrarian Portfolio Strategy TM. He oversees fundamental research into investment opportunities caused by pricing anomalies and the selection of investment managers. Marvin graduated from Swarthmore College with high honors in economics and a minor in psychology. His primary studies focused on
- [Peter Mai](https://dev-tgsfinancial.pantheonsite.io/team/peter-mai/) - As Chief Operating Officer, Peter ensures that the administrative and operational goals of the firm enhance excellent client service. In his role as Chief Compliance Officer, he manages the firm’s adherence to SEC requirements. Peter has been with TGS since 2011. He also serves as the firm’s Corporate Secretary. Peter attended American University in Washington,
- [Catherine Kiser](https://dev-tgsfinancial.pantheonsite.io/team/catherine-kiser/) - Catherine is a natural connector who makes everyone feel welcome and at ease. As Business Development Director at TGS since 2012, she thrives on building strong relationships within the firm and with clients and partners, and she’s often the first point of contact for anyone interested in working with TGS Financial Advisors. With more than
- [Audrey Libois, CFP®](https://dev-tgsfinancial.pantheonsite.io/team/audrey-libois-cfp/) - Audrey Libois is a Certified Financial Planner™ and member of NAPFA with deep expertise in guiding high net worth individuals, physicians, and business owners through the complexities of wealth management and financial planning. Her extensive experience includes helping clients refine financial goals, optimize investment strategies, and adapt to significant life transitions—whether welcoming a new family
- [Jessica Hamilton](https://dev-tgsfinancial.pantheonsite.io/team/jessica-hamilton/) - Jessica has more than 15 years of executive and administrative experience supporting and building client relationships. She is excited to help make an impact in the lives of TGS clients. Jessica resides in West Chester with her husband and two children, Vivienne and Oliver. They enjoy spending their summers at the beach as a family.
- [Lauren Whelan](https://dev-tgsfinancial.pantheonsite.io/team/lauren-whelan/) - Lauren manages the administration of investment accounts, donor-advised funds, education plans, and retirement accounts. She joined TGS in 2013. Lauren specializes in beneficiary updates, charitable giving, electronic funds transfers, retirement plan rollovers, and retirement account contributions and distributions. She also assists clients with the implementation of annuities. She particularly enjoys helping clients execute their charitable

## Books For Physicians

- [Changing Outcomes: A Financial Turnaround Strategy for Peak-Career Physicians](https://dev-tgsfinancial.pantheonsite.io/booksforphysicians/changing-outcomes-a-financial-turnaround-strategy-for-peak-career-physicians/) - Many successful physicians in their late 40s and 50s have under-accumulated the wealth they need to retire comfortably. The Outcomes Program guides peak-career physicians toward a financial turnaround in as little as five years, helping them to move into the future with increased confidence.
- [Pay Yourself First: A Financial Guide for Doctors Entering Practice](https://dev-tgsfinancial.pantheonsite.io/booksforphysicians/pay-yourself-first-a-financial-guide-for-doctors-entering-practice-xxx/) - This concise book describes “The Inflection Point” and explains how making the right financial decisions early in your career can accelerate your wealth accumulation for a lifetime, and free you to enjoy the rewards of your hard work. For a copy, or to learn more about TriageMD, click here.
- [The Part-Time Prescription: Can You Go Part-Time Before Retirement?](https://dev-tgsfinancial.pantheonsite.io/booksforphysicians/the-part-time-prescription-can-you-go-part-time-before-retirement/) - How do you weigh the impact of reducing your on-call or practice hours? This white paper brings clarity to physicians’ financial decisions. To request a copy or to learn more about our advisory services, click here.

## Retirement Resources

- [Phase Two: Transition - Making a successful retirement transition](https://dev-tgsfinancial.pantheonsite.io/retirementresources/phase-two-transition-making-a-successful-retirement-transition/)
- [Phase Three: Sustaining Cash Flow in Retirement – Will I Outlive My Money](https://dev-tgsfinancial.pantheonsite.io/retirementresources/phase-three-sustaining-cash-flow-in-retirement-will-i-outlive-my-money/)
- [Phase One: Accumulation – How Much is Enough?](https://dev-tgsfinancial.pantheonsite.io/retirementresources/phase-one-accumulation-how-much-is-enough/)
- [Supplement: Misunderstanding Market Volatility](https://dev-tgsfinancial.pantheonsite.io/retirementresources/supplement-misunderstanding-market-volatility/)
- [Elements of a Financially Secure Retirement](https://dev-tgsfinancial.pantheonsite.io/retirementresources/elements-of-a-financially-secure-retirement/)

## Programs For Physicians

- [TriageMD: Wealth Planning for Early-Career Physicians](https://dev-tgsfinancial.pantheonsite.io/programsforphysici/triage-wealth-planning-for-early-career-physicians/) - TriageMD™ is a flat-fee, three-year program exclusively for doctors in their first years of practice. The program’s goals are to put legal documents and protections in place, to support an intentional balance between current spending and long-term wealth accumulation, to put in place systems to drive savings and pay down debt, and provide robust metrics
- [Changing Outcomes: A Financial Turnaround Strategy for Peak-Career Physicians](https://dev-tgsfinancial.pantheonsite.io/programsforphysici/changing-outcomes-a-financial-turnaround-strategy-for-peak-career-physicians/) - Many peak-career physicians in their late 40s and 50s become aware that they have under-accumulated the wealth they will need to be able to retire without compromising their lifestyle. The Outcomes Program is designed to guide successful physicians toward a financial turnaround in as little as five years. To learn more about how we can

## Whitepapers

- [Case Study: The Part-Time Prescription™ – Can You Go Part-Time Before Retirement?](https://dev-tgsfinancial.pantheonsite.io/whitepapers/case-study-the-part-time-prescription-can-you-go-part-time-before-retirement/)
- [Pursuing a Better Investment Experience](https://dev-tgsfinancial.pantheonsite.io/whitepapers/pursuing-a-better-investment-experience/)
- [Evidence-Based Investing: Strategies for Successful Portfolio Management](https://dev-tgsfinancial.pantheonsite.io/whitepapers/evidence-based-investing-strategies-for-successful-portfolio-management/)
- [Family Meeting](https://dev-tgsfinancial.pantheonsite.io/whitepapers/family-meeting/)
- [Use It or Lose It](https://dev-tgsfinancial.pantheonsite.io/whitepapers/use-it-or-lose-it/)
- [Putting Financial Science to Work](https://dev-tgsfinancial.pantheonsite.io/whitepapers/putting-financial-science-to-work/)
- [A Guide to Your Raymond James Statement](https://dev-tgsfinancial.pantheonsite.io/whitepapers/a-guide-to-your-raymond-james-statement/)

## Safe Redirect Manager

- [Auto Draft](https://dev-tgsfinancial.pantheonsite.io/pdfs/ScheduleServicesandFees_271010.pdf)
- [Auto Draft](https://dev-tgsfinancial.pantheonsite.io/pdfs/ScheduleServicesandFees 2015.pdf)

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- [Series I-Bonds](https://dev-tgsfinancial.pantheonsite.io/tag/series-i-bonds/)
- [Treasury bonds](https://dev-tgsfinancial.pantheonsite.io/tag/treasury-bonds/)
- [Treasury Direct](https://dev-tgsfinancial.pantheonsite.io/tag/treasury-direct/)
- [record retention](https://dev-tgsfinancial.pantheonsite.io/tag/record-retention/)