TPO Financial & Insurance Services

What TPO Financial & Insurance Services does

TPO Financial & Insurance Services is a privately held, boutique financial advisory practice founded in 2005 by Tammy Plotkin-Oren in Berkeley, California, operating as a fiduciary for individuals and families primarily in the San Francisco Bay Area. The firm offers three interconnected core services: Comprehensive Personal Financial Planning (cash flow, scenario, and stress-testing analysis coordinated with clients' existing tax, legal, and trust advisors), Investment Management (fiduciary portfolio construction, rebalancing, and values-based ESG/SRI investing), and Insurance Planning (life, disability income, and long-term care coverage). Delivery is consultative and subscription-style via in-person engagement at the Berkeley office and remote meetings, with multi-year contractual engagements and complimentary initial consultations.

The firm's technology stack is industry-standard rather than proprietary: clients access accounts through eMoney (wealth management), NYLIFE Securities/Eagle, and New York Life systems. There is no API, no proprietary software, and no AI/ML capability disclosed. Operating as a licensed agent of New York Life Insurance Company and a registered representative through NYLIFE Securities LLC (Member FINRA/SIPC), TPO is multi-state licensed across approximately 28 states — materially broadening the addressable market beyond the Berkeley base. Strategic partnerships with Eagle Strategies LLC (RIA, providing institutional-grade money manager access) and Ash Brokerage (broadening the insurance product shelf) underpin the firm's product and distribution surface.

Revenue derives from three streams: financial planning and investment management fees structured as recurring subscriptions (fees discussed and agreed upon prior to engagement); insurance carrier commissions paid directly to the producer; and referral-driven growth via personal networks, New York Life's pipeline, and community/professional associations. Headcount is five people — one principal adviser (Tammy Plotkin-Oren, CFP/ChFC/RICP/MBA), one associate adviser (Ella Plotkin-Oren, joined 2024), and three client service associates — making the firm's growth model capacity-constrained and relationship-led rather than headcount-led.

Name

TPO Financial & Insurance Services

Legal name

TPO Financial & Insurance Services

Website

https://tpofinancial.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

1–10 employees

Short description

TPO Financial & Insurance Services is a Berkeley-based boutique fiduciary advisory practice founded in 2005, serving Bay Area individuals and families with comprehensive financial planning, investment management, and insurance planning via a five-person team anchored by founder Tammy Plotkin-Oren.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Portfolio Management and Investment Advice (523940)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

Institutional Consultants & Fiduciary Management (Investment Consulting) (FSAAAGAJ)

Keywords

• Financial planning services
• Investment management
• Insurance planning
• Wealth advisory
• Fiduciary financial services

Headquarters

HQ city

Berkeley

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Comprehensive Personal Financial Planning: Fees for comprehensive personal financial planning vary based on services rendered. All fees are discussed prior to engagement. The initial consultation is complimentary.
2. Investment Management: Fees discussed and agreed upon prior to engagement. Portfolio management through Eagle Strategies LLC provides access to top money management firms.
3. Insurance Planning: No charge for time spent; compensation to the financial professional comes directly from the insurance carrier.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

TPO Financial & Insurance Services is a boutique fiduciary financial advisory firm offering three interconnected core services: (1) Comprehensive Personal Financial Planning, which includes cash flow analysis, scenario planning, retirement preparation, estate planning, and charitable giving strategy; (2) Investment Management, providing fiduciary portfolio construction, rebalancing, and values-based ESG/SRI investing via the Eagle Strategies LLC Unified Managed Account platform; and (3) Insurance Planning, covering life, disability income, and long-term care insurance sourced from multiple highly-rated carriers including New York Life.

Product overview

TPO Financial & Insurance Services is a boutique financial advisory practice offering three interconnected core services: Comprehensive Personal Financial Planning (holistic wealth assessment, cash flow, and scenario planning), Investment Management (fiduciary portfolio management including values-based ESG/SRI investing through the Unified Managed Account program), and Insurance Planning (life, disability income, and long-term care coverage). These services are coordinated through a central advisory model where financial planning serves as the foundation for investment strategy and insurance protection.

Differentiator

Problem solved

Functional benefit

Products and services

• Comprehensive Personal Financial Planning Holistic fiduciary financial planning service that incorporates cash flow analysis, scenario planning, retirement preparation, estate planning, and charitable giving strategies to align client goals and values with financial decisions. Target customers are Bay Area professionals, business owners, physicians, attorneys, and retirees experiencing life transitions.
• Investment Management Fiduciary investment advisory service providing portfolio construction, ongoing management, rebalancing, and values-based ESG/SRI investing through the Eagle Strategies LLC Unified Managed Account (UMA) overlay or Rep Directed programs. Provides access to institutional-quality money managers for individual and family clients.
• Insurance Planning Risk management advisory covering life insurance, disability income insurance, long-term care insurance, and annuities sourced from multiple highly-rated insurance carriers (including New York Life and products placed through Ash Brokerage) to protect clients and families against income interruption and catastrophic loss.

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Four partnerships are on record, tiered core and minor.

• New York Life Insurance CompanycoreStrategic or Co-development PartnerNew York Life Insurance Company is the parent organization. Tammy Plotkin-Oren is an agent licensed to sell insurance through New York Life and offers securities through NYLIFE Securities LLC, a wholly-owned subsidiary. TPO Financial is not owned or operated by NYLIFE Securities LLC or its affiliates, but operates as a licensed agent and registered representative of the New York Life family.
• Eagle Strategies LLCcoreStrategic or Co-development PartnerEagle Strategies LLC is a Registered Investment Adviser and wholly-owned subsidiary of New York Life Insurance Company. Through this partnership, TPO Financial provides portfolio management services with access to institutional-quality money management firms for clients.
• The Nautilus GroupminorStrategic or Co-development PartnerStrategic alliance providing comprehensive financial planning resources and expertise to support the firm's service delivery.
• Ash BrokerageminorChannel Partner/ Reseller/ DistributorAsh Brokerage is a privately owned family-operated insurance brokerage general agency that provides TPO Financial with a variety of insurance products and support for life insurance, long-term care, disability income, and annuities. This relationship supports the firm's mission to provide objective solutions to suit individual client needs.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Savant Wealth Management: Mid-sized fiduciary RIA offering comprehensive financial planning, investment management, and tax services to HNW individuals and families. Comparable to TPO in service model (fee-based fiduciary) and target client (HNW professionals and business owners), though materially larger in scale.
• Moneta Group: Independent RIA serving HNW individuals and families with comprehensive financial planning, investment management, and estate services. Similar fiduciary-first model and multi-professional client base, though significantly larger and multi-office versus TPO's single Berkeley location.
• Apollon Wealth Management: Independent RIA providing personalized financial planning and investment management to HNW individuals and families. Closely comparable to TPO in fiduciary model and HNW professional client focus, with a slightly larger multi-advisor structure.
• Merit Financial Advisors: Independent RIA providing financial planning, investment management, and tax services to HNW individuals. Comparable fiduciary service model and target segments (tech, professionals, business owners), though larger and with a national footprint.

Broad incumbents

• Edelman Financial Engines: Large national financial advisory firm offering planning, investment management, and retirement advice to HNW individuals. Comparable fiduciary orientation and comprehensive service model, but operates at significantly greater scale with proprietary technology platforms.
• New York Life Wealth Management: The parent-affiliated wealth management arm of New York Life, through which TPO operates. Represents the broader institutional platform whose infrastructure (Eagle Strategies, NYLIFE Securities, Nautilus Group) TPO leverages; comparable in service breadth but vastly larger in scale.
• Mariner Wealth Advisors: Large national RIA serving HNW clients with comprehensive planning, investment, tax, and estate services. Operates the same holistic advisory model as TPO but at much greater scale and with institutional-grade resources.
• Cerity Partners: Wealth management and advisory firm offering comprehensive planning, investment management, and tax services to HNW individuals and families. Mirrors TPO's holistic service approach but operates at substantially greater scale with multiple specialty practices.

Emerging players

• Facet Wealth: Digital-first financial planning and investment management firm serving HNW individuals through a flat-fee model. Addresses the same comprehensive planning need as TPO but through a technology-enabled, lower-touch delivery model — a partial substitute rather than direct competitor.

Regional players

• Vista Capital Partners: West Coast-based independent RIA serving HNW individuals, families, and business owners with comprehensive financial planning and investment management. Strong geographic and service-model overlap with TPO, particularly in serving tech professionals and Bay Area clients.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/tpo-financial-insurance-services

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about TPO Financial & Insurance Services