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INVESTMENT MANAGEMENT & ADVISORY

Tushaus Wealth Management is committed to transparency, long-term relationships, and tailored guidance. From investment management and asset allocation to risk management, our approach is personalized to help grow and preserve your wealth to allow you to grow and preserve the lifestyle you wish to live.  

INVESTING SHOULDN'T BE A GAMBLE WITH YOUR FUTURE

Are you worried about market volatility eating away at your savings? Will you end up with a retirement fund that doesn’t support your long-term needs? When it comes to investing, most people focus only on chasing returns. But why risk losing everything in a downturn when you could have protected growth, steady cash flow, and even innovative long-term care solutions built right into your plan? To do this, you must be able to safeguard your principal and look ahead—because investing shouldn’t be about taking unnecessary risks; it should be about building the life you want.

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CHASING RETURNS WITHOUT A SAFETY NET

The market can be unpredictable, and without the right protections in place, years of hard work and savings can be impacted in a matter of months. Too often, investors are focused solely on returns without considering risk exposure, inflation, or sequence-of-return risk that can affect income during retirement. 

 

Would you make your way down the interstate on a road trip without buckling your children into their seats, strapping down the luggage and making sure you had enough gas (or a full charge!) to make it to your first stop?  We must prepare for the journey, and similarly, if we don’t prepare our investments for the many phases left in our life, then we can find ourselves losing our luggage and running out of gas before we’ve even made it to our first destination.

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THE PRICE OF POORLY MANAGED RISK

Principal preservation through custom Defined Outcome Solutions can provide protected growth and without them you may be vulnerable to quick, major downturns or prolonged years of market losses. Inflation, interest rate fluctuations, and tax inefficiencies are just a few examples of what can chip away at your gains and reduce long-term wealth. Ordinary income taxes can take a larger bite out of your returns compared to long-term capital gains, and a lack of liquidity or flexibility in your investments can leave you without access to needed funds when life changes.

For many, the “Lost Decade” in the market at the turn of the Millennium served as a painful experience of what can happen when risk is not properly managed. We’ve been told for a long time that fixed income is where we should run towards to shelter our funds from market losses, but after the beginning of the 2020’s we’ve seen record losses in those “safe” investments as well.  So, where do we turn when our portfolios are at risk to negatively impact our current lifestyles?

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A PERSONALIZED INVESTMENT APPROACH THAT BALANCES GROWTH AND PROTECTION

At Tushaus Wealth Management, our investment strategies are designed to help protect your principal while still allowing for growth opportunities. We incorporate tools such as buffers to manage volatility, tax-efficient portfolio structures to help reduce your tax burden, and cash management strategies that integrate with your broader financial and tax plans.

We also consider innovative long-term care solutions that offer income sources, flexibility, and principal protection without traditional insurance underwriting. Our goal is to build an investment plan that may help you navigate changing market conditions, preserve wealth, and support a life well lived.

WHAT WE OFFER

Your financial life is complex—we simplify it. Here's the foundation of what we coordinate under Investment Management & Advisory:

PRINCIPLE PRESERVATION STRATEGIES - "BUFFERS"

TAX-EFFICICIENT PORTFOLIO MANAGEMENT

CUSTOM RETIREMENT INCOME PLANNING

INNOVATIVE LONG-TERM CARE SOLUTIONS

Every piece is designed to work together seamlessly, aligned with your priorities and long-term goals.

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Build Your Wealth Together with Expert Guidance and
Tailored Solutions

FAQs

Have questions? We’ve compiled answers to some of the most common inquiries about Investment Management & Advisory — so you can make informed decisions with confidence.

What is a Defined Outcome Solution?

A Defined Outcome Solution, also called a “Buffer” is a type of investment that can help limit market loss over a defined period of time.  While “Buffers” can help avoid market losses, the tradeoff is that you’ll be capped in how much market return you’ll possibly recognize.  There are many types of “Buffers” and an appropriate financial plan can help determine how best to ladder such investments together to help an investor manage their risk while maintaining an appropriate level of return. 

There are many types of Defined Outcome Solutions, how do I know which are best for me?

In putting together a full financial and tax plan, we can then determine what tools we have available to us and how we can best utilize those tools to achieve the goals for the lifestyle we wish to live.  There are several types of “Buffer” tools and depending on liquidity, cash flow needs, and a desire to reduce lifetime taxes, this will tell us which “Buffers” or Defined Outcome Solutions to utilize.

For the Long-Term Care solutions Tushaus Wealth Management deploys, what happens if I don’t end up needing the benefit?

Depending on the solution, you still can still access the funds for other spending needs, pass the funds to beneficiaries, or even roll the funds into other types of investment tools.  

From your cash management perspective, how quickly can I access funds when needed?

With a mature financial plan, we will be able to determine with a high degree of accuracy how much money you’ll need and when you’ll need it.  Using this information, we’ll then be able to back into an investment strategy that provides liquidity to address those expenses.  Our cash management process involves utilizing Defined Outcome Solutions to protect assets up to 100% from downside losses while offering an opportunity for market gain.  The most important part is that we maintain daily liquidity and can transfer funds to your bank account from your investment account with plenty of time to meet your expected needs. 

Why is it important to consolidate my assets together under a single management firm like Tushaus Wealth Management?

At Tushaus Wealth Management, we take a view that all pieces related to your financial life should be laid out on the table for us to work together to see how they best should be re-arranged and put together.  When we’re missing one of these pieces, the puzzle doesn’t come together into a clear view.  It’s important to know the impact a decision in your financial life makes to other parts of your life.  What is the ripple effect?  If we make an investment change over here, how might it affect your overall risk exposure or tax exposure over there if we can’t manage the full strategy for you. 

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ESTATE PLANNING & DOCUMENTATION

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