Business Details
Your Trusted Partner for Financial Planning and Retirement Coaching
At TFS Advisors, we specialize in comprehensive financial planning that empowers clients to achieve their ideal future. With decades of combined experience, our team focuses on retirement coaching, investment management, and specialized planning for families with special needs, business owners, and nonprofits. Our process begins with understanding your unique goals, creating flexible strategies, and continuously refining plans through life transitions.We prioritize evidence-based practices, tax-efficient investing, and holistic retirement planning that considers both financial and personal fulfillment. Our commitment to lifelong partnerships ensures clients receive ongoing support tailored to evolving needs, market conditions, and long-term objectives.
Services
Financial Planning
Retirement Coaching
Investment Management
Special Needs Planning
Business Exit Strategy
Legacy Planning
Tax Strategy
Nonprofit Financial Services
Highlights and features
- We offer 40+ years of combined experience in financial planning and retirement coaching
- Our team includes Certified Financial Consultants and Special Needs Certified Advisors
- We implement evidence-based investment strategies tailored to individual life goals
- Our proprietary retirement coaching process addresses both financial and personal fulfillment
- We provide specialized planning for families with special needs and business owners
Associations and certifications
- SEC Registered Investment Advisor
Services
Financial Planning
Our comprehensive financial planning service creates customized strategies for long-term wealth management. We analyze cash flow, tax implications, and investment opportunities to develop personalized roadmaps. The process includes goal setting, risk assessment, and ongoing plan adjustments through life transitions, ensuring clients maintain financial confidence regardless of market conditions.
Retirement Coaching
This service combines financial analysis with personal development to prepare clients for fulfilling retirement. Certified coaches address lifestyle changes, identity transitions, and legacy planning alongside financial preparations. We help clients define retirement values, create sustainable income strategies, and implement plans that balance financial security with personal fulfillment.
Special Needs Planning
Our specialized planning service helps families with special needs members navigate complex government benefits and create sustainable financial support systems. We develop strategies for benefit coordination, trust management, and long-term care planning while providing emotional support and resource guidance throughout the process.
Business Exit Strategy
This service prepares business owners for transition through valuation analysis, succession planning, and exit strategy development. We coordinate employee benefit programs, create contingency plans, and implement strategies to maximize business value while ensuring smooth ownership transitions aligned with personal financial goals.
Investment Management
Our investment management service utilizes evidence-based strategies focused on long-term growth and tax efficiency. We create diversified portfolios aligned with comprehensive financial plans, emphasizing market timing principles and risk management strategies to help clients achieve their financial objectives while maintaining financial stability.
People
Dale Terwedo
Founder & CEO
With 40+ years in financial services, Dale founded TFS Advisors in 1983. A certified retirement coach and AngelFlight pilot, he combines financial expertise with personal commitment to helping clients achieve their life goals through strategic planning.
Aaron Terwedo
Partner and Financial Advisor
A former Army veteran and special needs parent, Aaron specializes in retirement planning and social security optimization. Holding multiple certifications including ChFC and ChSNC, he helps clients navigate complex financial decisions during major life transitions.
Dessie Spasov
Financial Paraplanner
With 13 years in financial services, Dessie provides operational support and client service coordination. A Financial Paraplanner Qualified Professional, she combines administrative expertise with client-focused service to support portfolio managers and maintain client relationships.
Questions
What financial planning services do you offer?
We provide comprehensive services including retirement planning, investment management, special needs planning, business exit strategies, and legacy planning tailored to individual needs.
How do you approach retirement coaching?
Our certified retirement coaches combine financial analysis with personal goal setting to create holistic plans addressing both financial security and personal fulfillment in retirement.
Do you work with clients outside Washington state?
Yes, we serve clients nationwide through virtual consultations and digital planning tools while maintaining our Edmonds, WA headquarters.
What makes your special needs planning unique?
Our team includes specialists with personal experience in special needs planning, focusing on government benefit coordination and long-term care strategies.
How do you handle investment management?
We use evidence-based, passive investment strategies focused on long-term growth and tax efficiency aligned with each client's comprehensive financial plan.
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