- 969 Pine Street Grand Rapids, MI 49503
- 505-273-7702
- info@topstpa.com
Contact Us
About Tax-Optimized Planning Solutions
A boutique third-party administrator built for the planning challenges that other Firms aren't equipped to solve.
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Company Roadmap
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Our Story
- Headquartered in New Mexico. Serving business owners across the country.
Tax-Optimized Planning Solutions was founded by a team of seasoned financial professionals who recognized a persistent gap in the third-party administrator industry. The most sophisticated business owners, those who had outgrown standard retirement planning, were too often handed off to TPA firms that lacked the technical depth, the actuarial credentials, or the willingness to design plans calibrated to each owner’s specific situation.
Our founders, Brent Gordon and Sergio Pessoa, both Certified Financial Planner® professionals, have spent the better part of two decades serving high-income business owners and their families. They built Tax-Optimized Planning Solutions to do one thing exceptionally well: design and administer qualified retirement plans that deliver measurable results, backed by credentialed actuarial expertise, strict regulatory compliance, and a client experience that respects the time and intelligence of every business owner we serve.
Headquartered in Albuquerque, New Mexico, our team is intentionally distributed across the country. Our partners, actuary, investment leadership, and operations professionals work from Albuquerque, El Paso, northern New Jersey, Illinois, and Texas. This national footprint gives us direct visibility into the regional industries we serve, including medical practices, agricultural operations, professional services, consulting firms, and family-owned businesses, and allows us to support clients wherever their business is based.
Mission Statement
Our Core Pillars
Regulatory Compliance
Every plan we administer satisfies the full regulatory framework: the Internal Revenue Code, ERISA, Department of Labor requirements, and Pension Benefit Guaranty Corporation oversight where applicable. Compliance is not a feature of our work. It is the foundation.
Actuarial Expertise
Credentialed actuarial analysis is a rare commodity in the third-party administrator industry. Having an in-house actuarial team provides the technical anchor that allows us to design strategies others cannot.
Tax Optimization
Plan design is calibrated to maximize allowable tax deductions and employer financial benefits while satisfying every nondiscrimination test. This is where our methodology, which combines DB-driven design with pooled non-highly-compensated employee funding, produces outcomes that conventional designs cannot match.
Employee Retirement Security
A qualified plan is only as strong as the benefit it delivers to the people who work in the business. Our plans are structured to build genuine retirement value for every participant, not just for the owners. We believe this is both an ethical obligation and the foundation of long-term plan sustainability.
Why Sophisticated Advisors Refer
Their Top Clients to Us.
Most third-party administrators are processing operations. They take in census data, run standardized calculations, and deliver standardized plans. That model works for routine 401(k) administration. It does not work for business owners whose tax and retirement needs are anything but routine.
Tax-Optimized Planning Solutions was built around a different premise: that the most valuable plans are the ones that require the most thought. Our advisory partners are Certified Financial Planner® professionals with decades of experience serving business owners. Our actuarial team includes an enrolled actuary with over 30 years of experience that is credentialed under the Joint Board for the Enrollment of Actuaries and is a member of the American Academy of Actuaries. Our investment team is led by a Chartered Financial Analyst® charterholder with sixteen-plus years on the institutional side. The result is a team that can engage with the nuance of a complex business situation and design a plan that delivers a real outcome, not a template.
Invested in More Than Our Clients.
Designations that reflect more than initials.
CFP®: Certified Financial Planner®
CLU®: Chartered Life Underwriter®
ChFC®: Chartered Financial Consultant®
CPFA®: Certified Plan Fiduciary Advisor®
CFA®: Chartered Financial Analyst®
CAIA®: Chartered Alternative Investment Analyst®
CPWA®: Certified Private Wealth Advisor®
EA: Enrolled Actuary
MAAA: Member of the American Academy of Actuaries
Reflects active membership in the national professional association for actuaries practicing in all disciplines, adhering to the qualification and professional standards that allow members to render statements actuarial opinion.
FCA: Fellow of the Conference of Consulting Actuaries
MSEA: Member of the American Society of Enrolled Actuaries
Represents active membership in a central organization for US pension actuaries, providing ethical standards, professional guidance and support, regulatory representation, and educational resources to the broader retirement plan community.
Meet the People Behind the Practice.
Get to know the advisors, actuary, and operations professionals who will be working alongside you.
Contact Info
- 505-273-7702
- info@topstpa.com
© 2026 Tax-Optimized Planning Solutions, LLC. All rights reserved.