Smart Wealth Planning to Secure Your Financial Future

Step into retirement knowing your lifestyle and wealth are built to endure.

 We are a Registered Investment Advisor firm, servicing the Tidewater, Virginia area as a fiduciary since 2015.

What We Offer

Investment Strategies

Tailored investment strategies for your financial goals.

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Investment Accounts

Diverse investment accounts designed for your needs.

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Financial Planning

Empowerment through comprehensive planning.

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Insurance Solutions

Asset protection through personalized solutions.

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Precision Wealth Planning for Your Next Chapter

At October Effect, Ltd. we use a five-step framework to protect your wealth and fund the lifestyle you’ve worked hard to build.

Key 1: Discover Your Risk Tolerance

What wakes you at night? Complete our risk questionnaire and we’ll use that data to develop a 3-page report revealing your personal risk tolerance number.

Key 2: Measure Your Risk Capacity

If you stop working now, can your live your dream? Meet with your advisor to discuss the findings in your Risk Tolerance Report and discover your Risk Capacity Score.

Key 3: Stress-Test Your Portfolio

Will your current assets survive the next down-market? We’ll provide the tools needed to analyze your current portfolio assets. The automatically generated report will include risk score, diversification, and attribute details.

Key 4: Protect Your Assets

Your advisor will meet with you to discuss protection from these common asset-draining nightmares: IRS, Down Markets, Bad Luck, Long Term Care, Death or Divorce.

Recommended Reading:
5-Pillar Asset Protection; Author: Roccy DeFrancesco
The Divorce Planning Guidebook; Author: Roccy DeFrancesco

Current Tru Tax and new Tru Tax comparison study

Key 5: Build Your Custom Blueprint

Schedule an appointment to sit down with your advisor to start building a financial plan designed to help you live the future you’ve always dreamed of.

To Get Started, Select Your Advisor

Frank Tehel

President, CEO, Senior Portfolio Manager

Office: 757-390-3341
Fax: 757-497-2883
Email: fr*********@***td.co
About Frank Tehel – Bio
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Kevin Moravek

Investment Advisor Representative

Office: 757-390-3336
Fax: 757-497-2883
Email: ke***********@***td.co
About Kevin Moravek – Bio
Book Time with Kevin M

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Kevin James, MBA

Investment Advisor Representative

Office: 757-390-3335
Fax: 757-497-2883
Email: ke*********@***td.co
About Kevin James – Bio
Book Time with Kevin J

Work with Kevin J

Recent Posts

Build a risk-protected wealth strategy so you can stop worrying about retirement and actually enjoy it.

Book Your Strategy Session
Learn how Social Security benefits may be taxed—and how other sources of retirement income can affect your tax picture. Join us for a complimentary educational seminar in Virginia Beach.
Could Your Retirement Income Make More of Your Social Security Taxable?
Seminar Details
Learn how Social Security benefits may be taxed—and how other sources of retirement income can affect your tax picture. Join us for a complimentary educational seminar in Virginia Beach.
Could Your Retirement Income Make More of Your Social Security Taxable?
Seminar Details