TING WEALTH ADVISORS
Institutional-Grade Wealth Management for Individuals
Bringing actuarial precision and quantitative rigor to personal financial planning
Schedule a ConsultationMost financial advisors use the same generic tools with default assumptions.
They run Monte Carlo simulations with standard life expectancy tables, unaware that longevity risk varies dramatically by health status, family history, and socioeconomic factors. They've never priced mortality or modeled the tail risks that actuaries quantify daily.
They rely on off-the-shelf planning software with no customization, applying the same retirement withdrawal strategies to every client regardless of their unique circumstances. They don't understand liability-driven planning—the discipline of matching future spending needs to dedicated income streams, the way pension funds manage their obligations.
There's a better way.
My Approach
Actuarial Precision
Mortality-table-driven longevity analysis, not generic life expectancy assumptions. We model your specific risk profile using the same techniques that insurance companies use to price annuities and life insurance.
Liability-Driven Planning
Matching your future spending needs to dedicated income streams, the way pension funds manage their obligations. We structure your portfolio to fund specific liabilities at specific times.
Quantitative Rigor
Custom-built models for Social Security optimization, Roth conversion analysis, QLAC evaluation—tools most advisors don't have. Every recommendation is backed by data and analysis.
Fiduciary, Always
Fee-only, no commissions, no product sales. Your interests are the only ones that matter. We're legally bound to act in your best interest, always.
Services
Comprehensive Financial Planning
Holistic analysis of your entire financial picture, from cash flow to estate planning, integrated into a cohesive strategy.
Retirement Income Strategy
Custom withdrawal strategies designed to maximize your retirement income while minimizing longevity risk and tax burden.
Investment Management
Evidence-based portfolio construction using institutional-grade analysis, managed through Altruist as your custodian.
Social Security & Pension Optimization
Quantitative analysis to determine optimal claiming strategies and pension election choices based on your unique circumstances.
Tax-Efficient Withdrawal Strategies
Strategic sequencing of account withdrawals and Roth conversions to minimize lifetime tax liability.
Insurance & Risk Analysis
Actuarial evaluation of insurance needs, pricing, and risk transfer strategies using the same models insurers use.
About Me
With designations as both a Fellow of the Society of Actuaries and a CFA Charterholder, I bring a rare combination of insurance industry expertise and investment analysis to personal wealth management.
After 8+ years pricing risk and building models at one of the world's largest reinsurers, I founded TING WEALTH ADVISORS to give individuals access to the same quantitative rigor that institutional investors rely on.
My niche is serving everyday professionals who seek rigorous, data-driven financial planning—not generic advice, but solutions tailored to their specific circumstances, risk profile, and goals.
Early Duration
Where insurance meets markets
A newsletter exploring the intersection of insurance, actuarial science, and financial markets. Insights from the institutional world, applied to individual wealth management.
Recent Posts
- • Understanding Longevity Risk in Retirement Planning
- • The Actuarial Approach to Social Security Optimization
- • Why Most Monte Carlo Simulations Are Wrong
Fee Structure
Investment management fees starting at 1.00% AUM, with breakpoints at $1M, $3M, and $5M. Financial planning available on a flat-fee or hourly basis.
No commissions, no hidden fees, no product sales. All fees are clearly disclosed upfront, and you'll never be sold an insurance product or investment that generates a commission for me.
Fees are billed quarterly in arrears, calculated on average daily balance, and debited directly from your custodial account at Altruist. You'll receive detailed statements showing exactly what you're paying and why.