Three Cord True Wealth Management

Three Cord True Wealth Management Three Cord True Wealth Management specializes in comprehensive wealth planning. LPL Financial does not offer tax advice or Tax-related services.

Professionals associated with Three Cord True Wealth Management may be either (1) registered representatives with, and securities and advisory services offered through LPL Financial, Member FINRA/SIPC finra.org sipc.org, a registered investment advisor; or (2) solely tax professionals of Three Cord True Wealth Tax Solutions, and not affiliated with LPL Financial. Tax-related services offered throu

gh Three Cord True Wealth Tax Solutions, DBA [Three Cord True Wealth Management]. Three Cord True Wealth Tax Solutions is a separate legal entity and not affiliated with LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

A successful retirement is not simply the absence of a paycheck. For the respondents we studied, it also means the prese...
09/04/2026

A successful retirement is not simply the absence of a paycheck. For the respondents we studied, it also means the presence of financial confidence, purpose, relationships, a plan, and consistent, high-quality sleep.

Getting those pieces right may allow retirees to retire with less anxiety and, in many cases, sooner than they once thought possible.

Click below to read more.
https://tinyurl.com/42apndy4

Less than half (42%) of Americans are on track for retirement, according to Vanguard research.Of all the generations, ba...
08/28/2026

Less than half (42%) of Americans are on track for retirement, according to Vanguard research.
Of all the generations, baby boomers are among the least prepared: just 40% are on track to maintain their lifestyle in retirement. Gen X (41%) and millennials (42%) are close behind.

Gen Z (47%) is slightly more prepared.1 According to a survey by Northwestern Mutual, the typical Gen Zer with savings began putting money aside for retirement at age 22, six years younger than the closest generation, millennials.

Americans say you need $2.3 million to be wealthy and $839,000 to be “financially comfortable,” according to a survey fr...
08/21/2026

Americans say you need $2.3 million to be wealthy and $839,000 to be “financially comfortable,” according to a survey from Schwab.1 But that number measures aspiration, not financial health.

Wealth isn’t just income. Net worth, debt load, retirement savings, and financial flexibility all shape how secure you really are.

Click below to read more.
https://tinyurl.com/yfctspnb

The goal for most of our lives is to grow our 401(k) so we’ll have more to live on in retirement. But these accounts are...
08/14/2026

The goal for most of our lives is to grow our 401(k) so we’ll have more to live on in retirement. But these accounts aren’t meant to increase forever. Eventually, the focus shifts from saving to spending.

Here’s how median balances change throughout the decades and why the turning point comes sooner than you might think.

Click below to read more.
https://tinyurl.com/y99nuyc5

The dramatic reading of the will in a wood-paneled office has long been a staple of television dramas. Who’s in the will...
08/07/2026

The dramatic reading of the will in a wood-paneled office has long been a staple of television dramas. Who’s in the will (and who isn’t) is a go-to motive for murder whodunnits, and there’s good reason the premise lands: Many Americans believe the will has the final say over their legacy.

Click below to read more.
https://tinyurl.com/d49jzzd4

07/24/2026

Every strong plan starts with someone who's seen the full picture, and for Three Cord, that's Tod Arbutina.

Tod has spent over three decades helping families and business owners make sense of their finances, first as a CPA, then as a CERTIFIED FINANCIAL PLANNER™. He founded Cottrill Arbutina & Associates in 1992 and later created Three Cord True Wealth Management in 2021, built on a simple idea: your investments, tax strategy, and life goals should work together, not in silos.

We put together a short video so you can hear directly from Tod about his approach to wealth management and what "True Wealth" really means to him and our team.

Watch Tod's introduction here: https://www.3ctruewealth.com/team/tod-r-arbutina/

Tod is also a lifelong Beaver County resident, so when he talks about serving families here, it's personal. He's raised his own family here and cares deeply about this community.

If you have any questions or would like to connect with Tod directly, feel free to reach out to our office at (724) 683-3450.

We’re halfway through the year, and our newly released Midyear Outlook 2026: Policy, Buildouts, & Bottlenecks helps you ...
07/10/2026

We’re halfway through the year, and our newly released Midyear Outlook 2026: Policy, Buildouts, & Bottlenecks helps you cut through the noise and understand what’s shaping the economic and market landscape right now.

It also provides important context for what these developments could mean as conditions continue to evolve, building on the themes introduced in our 2026 Outlook and bringing them forward with timely perspective.

Click below to read more.
https://tinyurl.com/2zwbvene

Wishing you a wonderful Fourth of July. This holiday is a great reminder of the freedoms we often take for granted, and ...
07/03/2026

Wishing you a wonderful Fourth of July. This holiday is a great reminder of the freedoms we often take for granted, and a good excuse to slow down and spend time with the people who matter most.

We hope your weekend is full of good food, good company, and maybe a few fireworks.

From all of us at Three Cord True Wealth Management, have a safe and happy Fourth!

If you carry federal student loans, or if your adult children or grandchildren do, the rules just changed in a major way...
06/26/2026

If you carry federal student loans, or if your adult children or grandchildren do, the rules just changed in a major way. The Saving on a Valuable Education (SAVE) plan has been terminated, and a new system is stepping in to take its place.

For many families we work with here in the Pittsburgh and Beaver County area, this is not a far-off policy headline; it is a real decision with a short clock attached.

Here is a look at what is happening, what it replaces, and the time-sensitive choice in front of you.

Click below to read more.
https://www.3ctruewealth.com/the-save-plan-is-ending-what-the-new-rap-system-means-for-your-student-loans/

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535 3rd Street
Beaver, PA
15009

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