Have you outgrown the TSP? The answer is likely yes… if you have more than $500,000.
For federal employees, the Thrift Savings Plan is a powerful launchpad: low costs, broad exposure, and effortless payroll contributions. All good things. However, once your wealth surpasses roughly $500,000, the TSP shifts from “perfect fit” into “still good… but not good enough.”
Many high-balance federal employees never take advantage of their expanded financial capacity. Not because they lack motivation, but because their options are often limited by platforms and firms that were built for the masses, not for the complexities that come with real wealth. Your financial advice should evolve as your wealth does.
We have built our approach around core structural advantages. These aren’t gimmicks. They are the ingredients that consistently elevate outcomes for clients who want more than “good enough.”
Our Edge for High-Net-Worth Federal Investors
Insight
No single firm, strategy, or index deserves blind loyalty. We seek wisdom from across Wall Street—opinions, forecasts, and research from multiple sources—so decisions benefit from a wider field of informed perspectives.
Access
Some of the most powerful opportunities aren’t available on public platforms or inside the TSP. They require relationships, reputation, and experience. We curate access to specialized managers, private strategies, and solutions that can be difficult to find or enter.
Technology
Modern wealth requires modern systems. We integrate advanced research tools and platforms to support precision portfolio design, risk management, and tax-aware planning.
People
Wealthy investors deserve guidance from professionals who have spent their careers serving ultra-high-net-worth and institutional clients. Theory has value; experience is transformative.
Process
More wealth creates more moving parts. Our process coordinates each piece so your strategy stays aligned, tax-aware, risk-tested, and ready to adapt. From onboarding to implementation, process reduces detours and speeds course correction.
The High-Net-Worth Opportunity Set
Once you’ve crossed that $500K threshold, your toolkit can finally include:
- Active, risk-managed strategies and institutional-quality separate accounts (SMAs & UMAs)
- Alternatives and real assets with low or differentiated correlation
- Private credit, structured notes, and long/short solutions
- Tax-efficient withdrawal engineering and bespoke cash-flow planning
- Values-aligned (ESG/SRI) customization without sacrificing rigor
The TSP is a terrific foundation. It was never designed to be your entire house.
We Are Customers of Wall Street, Not Employees
Traditional firms often lead with their own products. Our open-architecture approach flips the script: we sit on your side of the table. Together we are customers of the best that Wall Street has to offer.
- Access to best-in-class traditional managers
- Nimble innovators and unique strategies (including selective, hard-to-access offerings)
- Carefully curated solutions chosen for your specific goals and constraints
Our role is to solve your goals with the right tools, not to fit you into a single-firm menu. We monitor, adjust, and course-correct with you so your strategy moves at the speed of your life.
If Your Wealth Has Evolved, Your Strategy Should Too
If you have more than $500,000 of investable assets (including the TSP), you’ve likely outgrown a one-size-fits-all solution. Your success has earned you options. Let’s explore them.
Ready for a higher-caliber plan?
Schedule a 20-minute conversation to see whether our approach is the right fit for your situation. Serious inquiries only; we keep capacity intentionally limited for white-glove service.
Prefer email first? Contact us here. Custody available at major institutions.
Investing involves risk, including possible loss of principal. Diversification and alternative strategies do not guarantee profit or protect against loss in declining markets. This content is for informational purposes only and is not individualized investment advice. The Thrift Savings Plan is referenced for educational comparison; no endorsement is implied.
