Stewarding Your Wealth through the Ebbs and Flows of Life
Guiding your Retirement through Turbulent Markets
Watching the Waves to Help Protect Your Future
We Are Tidal Wealth Advisors
Partner with us to experience unparalleled service delivered with honesty, candor, and compassion. We uphold a fiduciary standard and will always work in your best interest to deliver comprehensive financial plans that address your retirement, investment, and insurance needs.
We’re not your traditional wealth managers. As independent advisors, we offer objective advice without influence from large corporate banks or Wall Street firms. We are supported by Cambridge Investment Research, Inc., one of the largest independent financial solutions firms in the United States.
Families and individuals in Minnesota, Wisconsin, and the Great Lakes area choose us to plan for their complete wealth management needs. We help business owners, public employees, teachers, and other professionals plan for the retirement they’ve always dreamed of.
Plan Your Retirement With Us
How We Work With You
Like the tide, retirement should be predictable. But ALSO like the tide, it can sometimes be anything but.
As your retirement approaches, it’s important to find a knowledgeable professional who can guide you through the ups and downs of big retirement questions like:
When should I take Social Security?
What will I do with my 401k when I retire?
What should I do with my pension?
How can I be sure I won’t run out of money?
Like a lifeguard watching over a bay, Tidal Wealth Advisors will keep a constant watch on your retirement to help keep it safe from harm. Wherever the tides of life have taken you, we will meet you where you’re at and develop a plan to accomplish your goals. We provide solutions for the following:
Financial Planning
Retirement Planning
Retirement Income
Investment Management
Insurance
Tax-Advantaged Investing
Your finances – and your needs of a financial advisor –
are unique.
That’s why we have multiple ways to work with you.
Financial Planning & Asset Management
Looking for an ongoing partner to help you pursue your financial goals? After the creation of a comprehensive financial plan, we’ll manage your assets to pursue your goals and provide ongoing recommendations. We charge a fee on the assets we manage and constantly review to ensure your retirement stays on track.
Financial Planning Only
If you’re looking for a little direction in your financial life, we provide comprehensive financial plans for a flat fee. This option is best if you’re looking for a second opinion on your finances and are comfortable managing assets on your own.
Insurance
Maintaining appropriate insurance coverage is a key part of any financial strategy. But how can you be sure you have the right coverage for you and your family? We can provide an insurance analysis and recommend a policy that covers everything you need.
Optimizing Your Retirement Tax Strategy
Are you tired of paying too much in taxes? Wondering how a change in tax rates will affect your retirement?
Optimizing your retirement savings’ tax strategy can have a huge impact on your overall retirement fund. Working with a qualified CPA – one who understands how investments are taxed – can help you save thousands on your bill to Uncle Sam.
We specialize in tax-advantaged investing and structuring your assets so that more of your dollars stay in your pocket come tax time.
Ready to get started on your financial journey?
Contact us for a free 60-minute consultation!
About Tidal Wealth Advisors
The team behind Tidal Wealth Advisors is Craig Chilcote, Ryan Johnson, and Lisa Luschen. With more than 20 years of combined experience in financial services, they founded our firm to deliver comprehensive, independent advice to the hard-working people of Minnesota, Wisconsin, and the Great Lakes region.
Craig Chilcote, CPA
Partner
Craig Chilcote focuses on providing tax-optimized strategies to a financial plan, and works in tandem with Ryan and Lisa to deliver excellent service to every one of our clients. As our partner and owner of the firm, he has 25 years of experience in the financial services industry. In addition to managing our clients’ financial futures, he also provides tax and accountancy services through Anderson, Kuiti, & Asuma, an accounting firm also based in Duluth.
Craig is a Certified Public Accountant and earned his bachelor’s degree from the University of Minnesota – Duluth. He enjoys working with clients to meet their retirement goals through tax-advantaged savings strategies. Outside of working with clients, Craig has served on the board of the Duluth Chamber of Commerce, Animal Allies, and First Witness. He also served as a past Commissioner of the Duluth Parking Commission and past commissioner for the Duluth Economic Development Authority. Currently, Craig serves as a board member of the Duluth Library Foundation and the Minnesota Society of CPAs.
Outside of work, Craig likes to spend time with his wife of almost 30 years, Kerri, his daughter, Gwen, and their dog, Ruby. Some favorite activities include hooking up their 5th wheel camper and traveling across the country along with fishing, hunting, and hiking.
Ryan Johnson, AAMS®
Partner
Ryan Johnson is our primary advisor and focuses on delivering comprehensive investment management, financial planning, and insurance strategies to our clients. He has 11 years of experience in the financial services industry, and enjoys hearing our clients’ stories. He believes that only by knowing where a client has been, can we effectively plan for their future.
Ryan graduated from Bemidji State University with a bachelor’s degree in accounting and finance. He holds the Accredited Asset Management Specialist designation. In addition to his financial studies, he has embraced the Duluth community – he can be found coaching his son’s soccer team, and is a Leadership Duluth graduate. He has also served on the board of the Rotary Club of Duluth, and is past chair of the Fuse Duluth Leadership Council.
In his free time, Ryan enjoys spending time with his wife, AlexAndrea, their children, Carson and Kennedy, and their dog, Pepper. His hobbies include gardening, taking care of their chickens, chopping wood, weightlifting, tinkering in the garage, hunting, fishing, and hiking.
Lisa Luschen
Office Manager
Lisa provides administrative support to Craig, Ryan, and all of our clients. She helps to make our entire office run, and is an expert at processing paperwork and ensuring all of our documentation is in good order. She has over 18 years of experience in the financial services industry.
Lisa earned a bachelor’s degree from the College of St. Scholastica. Her favorite part of her role is developing one-to-one relationships with our clients, and with our advisors. She is an active member of Living Word Duluth Superior, and belongs to a local women’s networking group. She is studying to become a constitutional coach and instructor.
Outside of work, Lisa enjoys travelling to visit her 5 adult children and 7 grandchildren. She tries to get as much family time in as possible.
Check the background of investment professionals on FINRA’s BrokerCheck.
Schedule a Consultation
Stop drifting and start swimming with Tidal Wealth Advisors. Contact us today to schedule a complimentary 60-minute consultation to review your financial situation with our team of experts.