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Our Process

Our Process

Our team of experts thrive on the ability to crunch your numbers, help you achieve tax-free income when possible and avoid stock market risk when necessary. We join you one on one by phone call, zoom, or in person if possible to understand you current situation not just financially but other aspects also. This helps us with our technique and process, we are able to take you step by step, showing you the problems or issues with your current plan if there is any. We show you your custom solution designed solely based off of your situation, wants and needs. By updating you throughout the process, you never have to wait days or even weeks without knowing where you are in the process. Most importantly we strive on taking care of each individual with the up most respect and communication. We don’t have customers, we have clients for life!
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TSP Rescue

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Tax Free Retirement Account

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Annuities

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Wealth Strategy

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Children College Funds

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Why Testa Financial

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The Best time to plant a tree was 20 years ago.

The second best time is now.

- Chinese Proverb

Loyalty, customer satisfaction, and trust are the cornerstones of our business philosophy. We prioritize your needs and goals above all else, and our team of experienced Retirement Income Experts is committed to delivering personalized retirement strategies tailored to your unique circumstances.
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Opening Hours

  • Monday - Friday:
  • 9:00AM - 9:00PM
  • Saturday - Sunday:
  • Closed

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TSP Rescue

  • Risk Mitigation: Protect your TSP from market downturns and volatility with proactive risk management strategies designed to preserve capital and minimize losses, allowing you to stay on track towards a secure retirement future.
  • Retirement Income Solutions: Prepare for retirement with confidence by accessing tailored retirement income solutions within your TSP Rescue Account, including systematic withdrawal strategies, annuities, and other income-generating options designed to meet your lifestyle needs and financial obligations.
  • Personalized Guidance: Receive personalized guidance and ongoing support from our team of experienced retirement income professionals who are dedicated to helping you navigate the complexities of retirement planning and maximize the value of your TSP.

Tax Free Retirement Account

  • Tax-Free Growth: With a TFRA, your outlay can grow tax-free, allowing your savings to compound more rapidly over time.
  • Flexible Contributions: Enjoy the freedom to contribute to your TFRA according to your financial situation, with no mandatory distributions during your lifetime.
  • Withdrawals: Access your funds tax-free in retirement, providing you with a reliable income stream to support your lifestyle.
  • Estate Planning: Pass on the benefits of tax-free growth to your beneficiaries, ensuring a lasting legacy for your loved ones.

Annuities

  • Guaranteed Income: An annuity provides you with a guaranteed income stream, helping to ensure that you'll have a steady source of cash flow to cover your living expenses in retirement.
  • Tax-Deferred Growth: Enjoy the benefits of tax-deferred growth, allowing your allocations to grow more rapidly over time without being subject to annual taxes on earnings.
  • Flexibility: Choose from a variety of annuity options to suit your individual needs and financial goals.
  • Lifetime Income: With a lifetime income annuity, you can rest assured knowing that you'll receive payments for as long as you live, providing you with financial security throughout your retirement years.
  • Death Benefit: Many annuities offer a death benefit that allows you to pass on any remaining funds to your beneficiaries, ensuring that your loved ones are taken care of in the event of your passing.

Wealth Strategy

  • Goal Setting: Define clear financial goals and objectives, both short-term and long-term.
  • Risk Assessment: Evaluate your risk tolerance and determine an appropriate retirement strategy.
  • Diversification: Spread allocations across different asset classes to minimize risk and maximize returns.
  • Tax Efficiency: Implement tax-efficient strategies to optimize your returns and minimize tax liabilities.
  • Asset Allocation: Allocate assets based on your risk tolerance, time horizon, and financial goals.
  • Regular Contributions: Consistently contribute to your retirement accounts to take advantage of dollar-cost averaging and maximize long-term growth.
  • Professional Guidance: Seek advice from Retirement Income Experts to help you navigate complex financial decisions and stay on track towards your wealth goals.

Children College Funds

  • Tax-Advantaged Savings: Enjoy tax benefits by contributing to a Children's College Fund, with potential tax-free growth and tax-free withdrawals for qualified education expenses.
  • Flexible Contribution Options: Contribute to the fund regularly or periodically according to your financial situation, with the ability to adjust your contributions over time.
  • Education Cost Coverage: Use the funds from the Children's College Fund to cover a wide range of education expenses, including tuition, room and board, textbooks, supplies, and more.
  • Financial Aid Impact: Minimize the impact of financial aid eligibility by strategically structuring the Children's College Fund to optimize your child's chances of receiving need-based financial aid.

Why Testa Financial

  • Goal Setting: Define clear financial goals and objectives, both short-term and long-term.
  • Risk Assessment: Evaluate your risk tolerance and determine an appropriate retirement strategy.
  • Diversification: Spread allocations across different asset classes to minimize risk and maximize returns.
  • Tax Efficiency: Implement tax-efficient strategies to optimize your returns and minimize tax liabilities.
  • Asset Allocation: Allocate assets based on your risk tolerance, time horizon, and financial goals.
  • Regular Contributions: Consistently contribute to your retirement accounts to take advantage of dollar-cost averaging and maximize long-term growth.
  • Professional Guidance: Seek advice from Retirement Income Experts to help you navigate complex financial decisions and stay on track towards your wealth goals.