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

15 Certified Advisor Reviews™
5 out of 5 Stars
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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 Me

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)

Primary Location

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

Video

Meeting Options

  • Video Conference
  • In-Person
  • Phone

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 our Firm

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

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

To make Wealthtender free for readers, we earn a nominal monthly fee from financial advisors and firms in exchange for marketing services (including being featured on this profile page), subject to terms of use. This compensation creates a natural conflict of interest when we favor their promotion over others. Wealthtender is not a client of these advisors or firms. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.

Write a Review


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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: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Patty and Tommy
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: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Arnold Woods
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: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Jim and Andrea Cutter
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: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Michael Orbinati
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: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Kevin McElhinney
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: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Paul Fallon
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: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Ed Sellazzo
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: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Dave Blodgett
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: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Terri and Bob Getz
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: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Steven Schott
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: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Matt
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: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for John Mailo
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: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Keith August
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: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Rick Morton
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: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Kevin B
Kevin B