Andrew J. Tapparo, MSF, RICP®

Tax-Smart Retirement Income Planning for Your Long-Term Success

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Tapparo Capital Management Andrew J. Tapparo, MSF, RICP®

Topsfield, MA

Serving Clients Nationwide

Tax-Smart Retirement Income Planning for Your Long-Term Success

16 Certified Advisor Reviews™

5 out of 5 Stars

Jump to Reviews

978-887-1121

Website

Areas of Focus

Estate Planning
Financial Life Planning
Inherited Wealth
Investment Management
Loss of Spouse or Partner
Owning a Business
Retirement Planning
Setting Up Retirement Accounts
Social Security
Taxes
Women & Wealth

About Andrew J. Tapparo, MSF, RICP®

Hello! Andy Tapparo here. Thank you for stopping by. I truly appreciate it.

I was born, raised, and still live here on the North Shore of Boston. It's where my roots are.

I specialize in helping people plan for a comfortable retirement.

During my previous career, I watched people work diligently for decades, only to enter a retirement of lack and limitation. I knew it didn’t have to be that way and wanted to help people make sure that it didn't. That's why, back in 1997, I left my career at a major corporation and founded Tapparo Capital Management.

I was also motivated by a quote from Confucius - "Choose a job you love, and you will never have to work a day in your life.” You know what? He was absolutely right! I eagerly look forward to getting up every morning because I love what I do.

I get to help my clients establish and prioritize their goals because I believe strongly that these goals, needs, and wants build the necessary foundation for any tailored financial plan. After the foundation has been set, I develop personalized solutions and a tailored investment portfolio that optimizes my clients’ probability of achieving these goals.

As a Registered Investment Advisor (RIA), I know that it’s not just about the destination, it’s about the journey as well. Whether traveling to the Outer Banks of North Carolina every year or preparing your path to retirement, I am always ready for the road ahead.

I am also frequently quoted in the media as a financial expert.

I earned my Bachelor of Science in Industrial Engineering from Rochester Institute of Technology in Rochester, New York and my Master of Science in Finance, with distinction, from Bentley University in Waltham, Massachusetts. Prior to founding Tapparo Capital Management, I was a Strategic Planning Manager with Verizon Corporation for twelve years. I wasn't always lucky enough to be able to do what I love. As you can see, it took me a few years to discover my passion.

Specializing in retirement income planning, I have completed a comprehensive financial industry education program that includes estate and legacy planning techniques, portfolio assessment, Social Security claiming strategies, healthcare and long-term care cost containment, home equity strategies, and more at The American College of Financial Services and have been awarded the Retirement Income Certified Professional designation, RICP®.

Susan, my wife of 33 years, and I live in Topsfield, Massachusetts where we raised two beautiful daughters together. Besides my family and financial planning, my other love is being out on the open road. So if I am out of the office, you can probably find me embarking on yet another road trip. I also enjoy spending my free time volunteering at our local high school - Masconomet Regional High School. There I am the Varsity Girls Basketball team statistician as well as the team's webmaster. You can check out my handiwork here.

Professional Designations

Retirement Income Certified Professional (RICP)

Affiliations

The AGC

Primary Location

10 S Main St, Suite 208A Topsfield, MA 01983

Video

Meeting Options

Video Conference
In-Person
Phone

Book Intro Call

Compensation Methods

Fee Only
Percentage of Assets Managed

What to expect in the first meeting

Click the 'Book Intro Call' button above to schedule a get acquainted call. This call is a chance for you to learn more about our services and what it is like to work with Tapparo Capital Management. We will answer your questions and ensure our expertise matches up with your needs and goals. Don't worry, we are a no-pressure firm interested in ensuring that we are a good fit before talking shop. (P.S. It’s OK if we are not the right financial planning firm for you - we can still be friends!)

Offers Investment Management

Yes

About Tapparo Capital Management

We're Big Enough to Make an Impact on Your Financial Future. (But Small Enough to Know You By Name)

Do you ever lay awake at night worrying that you might not have enough money to enjoy a carefree retirement?

At Tapparo Capital Management, we work to ensure your money outlives you. Through deep connections and helping you clarify your goals, we work to maximize your retirement happiness while minimizing sleepless nights along the way.

As a fee-only financial advisory and investment management firm located on the North Shore of Boston, we remain intensely focused on the needs of our clients. Whether you’re building your wealth or preparing to retire, we utilize our decades of experience to help you grow and protect your hard-earned money. Consider us your advisor in mapping out your journey to retirement success.

Here's What You Should Know About Us. We Believe In:

✔️ Building Personal Connections: Instead of focusing on the extent of our client list, we enjoy handling the needs of those who value our services and are interested in making a true difference in their financial lives by delegating to a professional.

✔️ The Power of Education: We’re big on simplifying the complexities of your finances and offering clear guidance on the implementation of your plan and investments. This, in turn, will aid you in making beneficial decisions in the long run.

✔️ Remaining Personable, Yet Virtual: Located on Boston's North Shore, our office is in Topsfield, Massachusetts. And, while we're happy to help our New England neighbors, we offer virtual meeting capabilities to work with clients remotely across the country.

And Here's What We Can Do For You

✔️ Comprehensive Financial Planning
✔️ Goals-Based Retirement Planning
✔️ Tax-Efficient Income Planning
✔️ Social Security & Medicare Planning

Education

Bentley University, Master of Science (M.S.), Finance | Rochester Institute of Technology, Bachelor of Science (BS), Industrial Engineering

Hobbies and Interests

Basketball
Beach
Cars
Family
Music
Reading
Traveling
Volunteering
Walking

SEC Lookup

View Disclosure

Who We Serve

Baby Boomers
Business Owners
Couples
Divorce
Dual Income Family
Families
Gen X
Individuals
Intergenerational Families
Living in Retirement
Parents
Single Women
Widow
Women in Transition

Wealthtender® is a trusted, independent financial directory and educational resource governed by our strict Editorial Policy, Integrity Standards, and Terms of Use. While we receive compensation from featured professionals (a natural conflict of interest), we always operate with integrity and transparency to earn your trust. Wealthtender is not a client of these providers. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.

Write a Review

By clicking submit, you acknowledge this review is based on your own experience and reflects your genuine opinion. You also agree to our review policy, privacy policy, and terms and conditions, and give this financial advisor permission to publicly display your review on their website.

5 Stars

✅ Wealthtender Certified Advisor Review™

May 6, 2025

I’ve worked with Andy Tapparo for a few years and have found him to be honest, trustworthy, and very knowledgeable. The difference between his firm and other financial advisors is that he is a fiduciary so he is legally required to give objective advice that is in your best interest he is carrying and compassionate with his clients and is very accessible. Period Highly recommend it!

Relationship to Financial Advisor: This reviewer has never been a client.

Compensation: This reviewer received no compensation for this review.

Conflicts of Interest: Heidi is a trusted business partner whose firm is compensated by Tapparo Capital Management for consulting services.

Heidi Wilson - Account Manager

Thank you Andy

✅ Wealthtender Certified Advisor Review™

Jan 6, 2025

We’ve been a client of Andy's for many years. He is hardworking, honest, very helpfully and always available when we need his help. He helps put our minds at ease knowing he’s doing the best to help with our future. We would highly recommend Andy to anyone.

Relationship to Financial Advisor: Client as of Jan 6, 2025

Compensation: This reviewer received no compensation for this review.

Conflicts of Interest: There are no material conflicts of interest.

Patty and Tommy

A pleasure to have as an advisor

✅ Wealthtender Certified Advisor Review™

Dec 31, 2024

I've been a client of Andy's for over 20 years. He's helped me immensely over the years, guided me through the Great Recession of 2008, and assisted me through changes in family structure and retirement. He is a caring and attentive person and is readily accessible by phone and in person. I would highly recommend Andy to anyone desiring a top notch professional who can provide big company services with a small town intimacy.

Relationship to Financial Advisor: Client as of Dec 31, 2024

Compensation: This reviewer received no compensation for this review.

Conflicts of Interest: There are no material conflicts of interest.

Arnold Woods

Made Retirement Less Stressful Financially

✅ Wealthtender Certified Advisor Review™

Dec 30, 2024

We have enjoyed working with Andy in planning our retirement income. His advice and knowledge has taken the stress out of the financial end of retirement. He is very easy to work with and always responds quickly when we have questions. Andy keeps us up to date about whats happening out there in the financial world which makes us even more thankful he is informing and helping us with any decisions. We highly recommend Andy Tapparo.

Relationship to Financial Advisor: Client as of Dec 30, 2024

Compensation: This reviewer received no compensation for this review.

Conflicts of Interest: There are no material conflicts of interest.

Jim and Andrea Cutter

Couldn't have done it with out you

✅ Wealthtender Certified Advisor Review™

Dec 27, 2024

Andy's expertise made it so I could finally retire after working over 45 years. I had no clue and was lost financially. He made my savings start working for me. I always advise friends to get on a call with Andy. They see what he has done for me, that I trust his judgment & expertise implicitly and have never been disappointed. Thanks Andy.

Relationship to Financial Advisor: Client as of Dec 27, 2024

Compensation: This reviewer received no compensation for this review.

Conflicts of Interest: There are no material conflicts of interest.

Michael Orbinati

Excellent Financial Advisor

✅ Wealthtender Certified Advisor Review™

Dec 22, 2024

Love working with Andy! He has helped me and my wife as we near retirement. Always helpful, will meet anywhere at anytime. Is friendly, trustworthy, and seems to really love what he does. He wants you to succeed and does his best to help us with our financial goals.

Relationship to Financial Advisor: Client as of Dec 22, 2024

Compensation: This reviewer received no compensation for this review.

Conflicts of Interest: There are no material conflicts of interest.

Kevin McElhinney

The Best Advisor

✅ Wealthtender Certified Advisor Review™

Dec 20, 2024

I have been working with Andy for over 25 years, and I am incredibly impressed with his professionalism, expertise and personalized approach. From the very beginning he took the time to understand my financial goals and helped create a tailored plan that aligns with my long-term objectives. Whether it’s retirement planning, investment strategies, or budgeting, I feel confident that I am receiving the best advice available.

Relationship to Financial Advisor: Client as of Dec 20, 2024

Compensation: This reviewer received no compensation for this review.

Conflicts of Interest: There are no material conflicts of interest.

Paul Fallon

A valued financial partner!

✅ Wealthtender Certified Advisor Review™

Dec 20, 2024

I have been a long-term client of Mr. Tapparo and enthusiastically endorse Tapparo Capital Management. Andy's approach is rational, thoughtful, and data-driven every step of the way. I have referred many family members, friends, and colleagues to TCM over the years, and will continue to do so. My experience is that he offers bespoke solutions tailored to individual goals through active client engagement and extensive industry knowledge. The services TCM provides have given me the financial confidence to guarantee my personal long term investing success. I look forward to Andy's continued guidance for many years to come.

Relationship to Financial Advisor: Client as of Dec 20, 2024

Compensation: This reviewer received no compensation for this review.

Conflicts of Interest: There are no material conflicts of interest.

Ed Sellazzo

The Best Financial Advisor!

✅ Wealthtender Certified Advisor Review™

Dec 19, 2024

Andy is a GREAT financial advice! I have know Andy for 35 years, working with him and when I retired He was the only Advisor I talked with. He is Honest and always looking out for your best interests. He consistently updates you on the direction of the finance world and how it impacts your portfolio.

Relationship to Financial Advisor: Client as of Dec 19, 2024

Compensation: This reviewer received no compensation for this review.

Conflicts of Interest: There are no material conflicts of interest.

Dave Blodgett

The best

✅ Wealthtender Certified Advisor Review™

Dec 19, 2024

Andy is an incredible advisor that takes a proactive approach putting his client’s interests first. His expertise in analysis and data has helped guide us with our financial affairs for the future.

Relationship to Financial Advisor: Client as of Dec 19, 2024

Compensation: This reviewer received no compensation for this review.

Conflicts of Interest: There are no material conflicts of interest.

Terri and Bob Getz

Awesome

✅ Wealthtender Certified Advisor Review™

Dec 19, 2024

Andy is sincere, honest, and always responds to any situation. Thrilled that we have him on our side! He does an excellent job.

Relationship to Financial Advisor: Client as of Dec 19, 2024

Compensation: This reviewer received no compensation for this review.

Conflicts of Interest: There are no material conflicts of interest.

Steven Schott

Long term customer

✅ Wealthtender Certified Advisor Review™

Dec 18, 2024

Mr Tapparo has always advised and consulted in a professional manner with respect to our financial, future, and age.

Relationship to Financial Advisor: Client as of Dec 18, 2024

Compensation: This reviewer received no compensation for this review.

Conflicts of Interest: There are no material conflicts of interest.

Matt

Customer Driven Professional

✅ Wealthtender Certified Advisor Review™

Dec 18, 2024

As I neared retirement in 2022, I looked at quite a few financial firms to help us consolidate multiple 401K’s, Roth’s and other assets under one cohesive retirement plan. We specifically wanted a fiduciary and are grateful for selecting Tapparo Capital Management. Over the past two years, Andy’s expert advice and support guided us through multiple transfers and consolidations. Some transfers were not easy. Andy’s personal touch and tireless efforts on our behalf ensured these transfers happened. High marks - TCM quarterly reports and the client website provide current information on investment history and performance. We would highly recommend TCM / Andy Tapparo to anyone requiring financial and retirement planning.

Relationship to Financial Advisor: Client as of Dec 18, 2024

Compensation: This reviewer received no compensation for this review.

Conflicts of Interest: There are no material conflicts of interest.

John Mailo

A trustworthy financial planner

✅ Wealthtender Certified Advisor Review™

Dec 17, 2024

We've been working with Andy for over 20 years. I just retired a year ago at age 65. My wife retired 6 months ago at 61. Thanks to Andy's insightful planning and knowledge we were able to build our dream home on a canal in Florida. We have enough to live comfortably and keep our lifestyle. Without Andy this would not have been possible. You can always rely on his knowledge of the markets. Always ready to give financial advice and he's just a phone call or email away. Not only is he a great planner but also a friend as well. It's always a pleasure to speak with him. Looking to achieve your retirement dreams? Andy is very highly recommended!

Relationship to Financial Advisor: Client as of Dec 17, 2024

Compensation: This reviewer received no compensation for this review.

Conflicts of Interest: There are no material conflicts of interest.

Keith August

Tapparo Capital Mgmt

✅ Wealthtender Certified Advisor Review™

Dec 17, 2024

I've been working with Andy for over 15 years, and would recommend him to anyone needing financial planning and investment help. He is very easy to talk to, and is genuinely interested in my goals and needs. His knowledge and attention to detail are top-notch, and his fees are fair.

Relationship to Financial Advisor: Client as of Dec 17, 2024

Compensation: This reviewer received no compensation for this review.

Conflicts of Interest: There are no material conflicts of interest.

Rick Morton

Professional, personable, and responsible.

✅ Wealthtender Certified Advisor Review™

Dec 17, 2024

Andy has provided financial services for my family for over 10 years. Andy has taken the time to get to know us, evaluate our goals and objectives, as well as our risk tolerance. He has responsibly managed our assets and has produced results beyond our expectations. Andy remains knowledgeable in the ever changing world and produces numerous correspondences that he shares with all of his clients, but also detailed ones for each investor. Andy is generous with his time and resources in answering our questions and serving our needs. I consider Andy as a trusted partner who always has his clients best interests in mind.

Relationship to Financial Advisor: Client as of Dec 17, 2024

Compensation: This reviewer received no compensation for this review.

Conflicts of Interest: There are no material conflicts of interest.

Kevin B

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Please see important disclosures below awards View Disclosures

Wealthtender Awards

Andrew J. Tapparo, MSF, RICP® received the 2025 Wealthtender Voice of the Client Highly Rated Advisor award.

Award Disclosures

Wealthtender awarded Andrew J. Tapparo, MSF, RICP® with its 2025 Voice of the Client Highly Rated Advisor Award on 06/05/25. Rating criteria based on eligible client reviews published on Wealthtender between 1/1/24 and 06/05/25. Although Tapparo Capital Management compensates Wealthtender for marketing services (including eligibility to be considered for this award), Wealthtender’s award criteria is objective and not influenced by compensation. This award is not a guarantee of future performance or success and client reviews may not be representative of the experience of all past or future clients. ↗️ View additional award details and FAQs (wt.reviews/awards)

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FAQs

There are many financial advisors out there. Why should I work with Andy Tapparo?

Andrew "Andy" Tapparo knows that he is not the right advisor for everyone, nor is every client the right client for him. For example, if you are looking for a financial advisor who will trade stocks to “beat the market,” you are definitely in the wrong place. Why? Because Andy only focuses on what he can control. Predicting if the stock market will go up or down, or guessing what interest rates will do next, are not things he can control. But if you’re ready to plan for the retirement of your dreams, invest smarter, and enjoy a tax-efficient retirement income stream, you're in the right place. Your Roadmap to a Secure Retirement.

What types of clients does Andy Tapparo work with?

Andy Tapparo specializes in serving individuals and couples who are nearing retirement or already retired. His clients are diligent savers who want to have their money last throughout retirement. They value professional guidance to help them make informed decisions and gain confidence in their financial future. While each client’s situation is unique, many of the people Andy works with are in their 50s and 60s, have accumulated $500,000 to $5 million in investable assets, and seek a trusted partner to help them navigate the complexities of retirement planning. You’ve been careful and diligent your entire life, and retirement is when it pays off.

FAQ Disclosures

Information presented here is for informational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any product or security. Investments involve risk and unless otherwise stated, are not guaranteed. Tapparo Capital Management does not offer tax, accounting, or legal advice. Please consult your tax or legal advisor to discuss your specific situation before making any decisions that may have tax or legal consequences.