TGA Capital Management

TGA Capital Management provides personalized financial planning and investment management to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations and small businesses. In addition to asset management and written financial plans, the firm coordinates tax and estate planning work and makes insurance solutions available through an affiliated insurance firm (The Green Agency) that operates separately from its advisory services.

The firm implements portfolios primarily through strategic asset allocation and separate account management, using a fixed-income and dividend-driven core with secondary satellite positions in equities and ETFs; most accounts are managed on a discretionary basis and documented by individualized investment policy statements, periodic reviews and net worth statements. TGA also issues subscription periodicals and special reports and offers a mix of billing arrangements, including percentage-of-AUM, hourly, retainer and flat-fee engagements.

TGA is atypical among similarly sized supported firms because it discloses formal affiliations with pension consultants and actuarial providers, historical connections to broker-dealers, and an affiliated insurance company, which it uses to coordinate broader planning and implementation. The firm also discloses that it directly or indirectly compensates for some client referrals and provides client-facing educational materials and special reports, practices that are less common in its peer group.