Business Details
36 Years
experience
Independent Wealth Management Services in Radnor
Founded in 1990, TGS Financial Advisors has dedicated over three decades to helping successful individuals and families build, maintain, and preserve lifetime wealth. Our fee-only advisory model ensures complete transparency, with compensation derived solely from fully disclosed planning and investment advisory fees. We operate under a fiduciary standard, prioritizing client interests above all else while adhering to strict compliance with the Investment Advisors Act of 1940. Our proprietary Dynamic Contrarian Portfolio Strategy leverages diversification, value tilt, and historical data analysis to optimize investment outcomes. With a team of certified professionals including CFPs, CIMAs, and CPWAs, we offer multi-generational wealth planning, risk management, and coordination with external legal and tax advisors.Our commitment extends beyond finance through active community involvement in Greater Philadelphia. We serve clients across 25 states, maintaining long-term relationships that often span multiple family generations. Our independence since eliminating commission-based compensation in 2008 underscores our unwavering focus on client success. This institutional longevity and ethical framework form the foundation of our trusted advisory relationships.
Services
Wealth Management
Financial Planning
Investment Advisory
Retirement Planning
Estate Planning
Risk Management
Tax Strategy
Education Savings
Portfolio Management
Legacy Planning
Details
- Year established: 1990
Highlights and features
- We operate as a fee-only advisory firm with no commissions or proprietary products
- Our team includes CFPs, CIMAs, and CPWAs with decades of combined experience
- We adhere to a strict fiduciary standard under the Investment Advisors Act of 1940
- Our proprietary Dynamic Contrarian Portfolio Strategy optimizes risk-adjusted returns
- We maintain long-term client relationships spanning multiple family generations
Associations and certifications
- SEC
What people say
Personalized service
Deep expertise
Long-term commitment
Fiduciary integrity
Proactive planning
Services
Wealth Management
Our comprehensive wealth management services integrate investment advisory with multi-generational planning. We develop customized strategies addressing asset protection, tax efficiency, and legacy preservation while coordinating with external legal and tax professionals. The Dynamic Contrarian Portfolio Strategy optimizes diversification across global markets.
Financial Planning
We create personalized financial roadmaps covering retirement readiness, education savings, and risk management. Our planning process includes asset discovery, goal clarification, and annual progress reviews using proprietary metrics. We specialize in physician financial planning and retirement transition strategies.
Investment Advisory
Our discretionary investment management utilizes a proprietary asset allocation model that emphasizes value investing and cost control. We implement globally diversified portfolios using ETFs, index funds, and institutional shares while maintaining strict fiduciary oversight of all client assets.
Estate Planning
We help clients structure effective wealth transfer strategies that protect assets from litigation and optimize intergenerational transfers. Our services include coordination with estate attorneys, development of trust frameworks, and implementation of gifting strategies aligned with long-term family objectives.
Retirement Planning
Our retirement planning covers three life phases: accumulation, transition, and sustainable income. We develop cash flow models, optimize Social Security strategies, and create withdrawal frameworks that preserve capital through market cycles while supporting clients' desired lifestyles.
People
James S. Hemphill
Chief Investment Strategist
CFP, CIMA, CPWA with 40+ years experience in wealth management. Developed proprietary Dynamic Contrarian Portfolio Strategy. Focuses on long-term investment success through disciplined asset allocation and risk management.
Thomas A. Rylko
Financial Advisor
CFP and RMA professional with expertise in comprehensive financial planning. Specializes in coordinating client legal and tax strategies with investment management. Brings structured approach to multi-generational wealth preservation.
Audrey Libois
Financial Advisor
Certified Financial Planner with focus on personalized client relationships. Experienced in guiding clients through major life transitions while maintaining strict adherence to fiduciary standards and ethical investment practices.
Peter Mai
Chief Compliance Officer
Oversees firm operations and regulatory compliance. Ensures strict adherence to SEC requirements and maintains the firm's fiduciary framework. Coordinates annual compliance reviews and risk management protocols.
Marvin Barron
Research Director
CFP professional managing investment research and market analysis. Supports portfolio strategy development through rigorous evaluation of asset classes and economic trends while maintaining client-focused investment discipline.
Questions
What makes TGS different from other financial advisors?
We're a fee-only fiduciary firm with no commissions or sales quotas. Our proprietary investment strategy and multi-generational planning focus create unique value for clients.
How are your investment strategies unique?
Our Dynamic Contrarian Portfolio Strategy uses historical data to identify undervalued assets, systematically diversifying across asset classes while maintaining disciplined cost control measures.
Do you work with specific client types?
While we serve diverse clients, we specialize in working with successful families and medical professionals needing complex wealth management solutions across multiple life stages.
How do you coordinate with other professionals?
We collaborate with your attorneys, accountants, and insurance agents to ensure all aspects of your financial plan work cohesively toward your long-term objectives.
What planning process do you use?
Our seven-step process includes asset discovery, lifetime wealth planning, implementation coordination, and annual reviews with dynamic portfolio management throughout.
How are you compensated?
We operate on a transparent fee-only model with no commissions, sales quotas, or proprietary products. Our success depends entirely on the growth and satisfaction of client portfolios.
Reviews (2)
D. Anon
Apr 04, 2021
Report
Critical:Professionalism,Quality
Unprofessional staff. Wallet vac is their forte. Closed physical offices and working from basement to save money during Covid. Charge more fee percent than competitors. Delegates work to subordinates using software and thus fees seem excessive. Go elsewhere
Unprofessional staff. Wallet vac is their forte. Closed physical offices and working from basement to save money during Covid. Charge more fee percent than competitors. Delegates work to subordinates using software and thus fees seem excessive. Go elsewhere
Stephen Siano
Oct 29, 2018
Report
It's a pleasure working with Joan and all the staff at TGS. It's a great company and a super group of people.
