About
We are dedicated to enhancing your well-being by alleviating financial concerns and fostering a sense of clarity and empowerment.
Our services are designed to guide you through wealth accumulation, transitions to financial independence, and the ongoing management of your wealth while navigating the complexities of the world's changing financial landscape.
As a fee-only registered investment advisory firm, our advisors are dedicated CERTIFIED FINANCIAL PLANNER™ professionals, committed to the fiduciary standard. We are devoted to a collaborative journey towards enriching your financial and personal well-being.
Our personable advisors are dedicated to crafting personalized strategies that align with your unique aspirations and life circumstances. With a holistic approach, we aim not only to enhance your financial stability but also to empower you with the knowledge and tools to flourish in all facets of your life.
Drawing from CEO Debbie Grose's leadership, Lake Tahoe Wealth Management (LTWM) embodies a blend of seasoned expertise and a forward-looking vision. Debbie, with decades-long experience, brought a wealth of financial acumen from her venture, Lighthouse Financial Planning, merging it with LTWM in 2016 to enhance client engagement and services. This fusion not only enriched LTWM's capabilities but also set a progressive trajectory for the firm, continually innovating to better serve clients.
As LTWM continues to ascend, the essence of fostering financial clarity and exploring new possibilities under Debbie's leadership remains a compelling narrative of its evolving journey
Our Story
The LTWM Team
At LTWM, our team is a blend of curious minds, dedicated hearts, and experienced hands, all united by a singular aim - to weave your financial desires into a reality that's as untroubled and promising as the tranquil shores of Lake Tahoe. Our professionals, disregarding the stiff, impersonal norms of the industry, engage with you on a journey of exploration and creativity. With each interaction, they bring a mix of professional acumen, innovative thinking, and a warm, approachable manner, transforming the often challenging topics of personal finance and wealth management into an engaging, personalized venture.
CFP® and Chief Executive Officer
Debbie Grose is a highly accomplished professional, currently serving as the Chief Executive Officer of Lake Tahoe Wealth Management Inc. headquartered in Nevada and serving clients across the US.
A proud graduate of CSU Sacramento, Debbie holds a business degree with a specialization in accounting, showcasing her well rounded foundation in personal finance. Complementing her academic achievements, she has earned a certificate in Leadership from the University of Southern California (USC) and a certificate in Financial Planning from UC Davis. Her commitment to excellence is further exemplified by the prestigious CERTIFIED FINANCIAL PLANNER™ designation.
Debbie's extensive involvement in professional associations reflects her dedication to the financial planning profession. She has played a significant role in the Financial Planning Association (FPA) at both the national and local levels. Notably, she has served on the Career Development committee and acted as Task Force Chair for Retreat at the FPA National level. Her contributions extend to mentoring at FPA Residency on three occasions, emphasizing her commitment to nurturing the next generation of financial planners.
At the local level, Debbie has been actively engaged with the FPA chapter in various capacities, including holding the position of chapter president in 2012. Her commitment to education is evident through her role as a CFP® Capstone course instructor for the UC Davis extension. Notable accomplishments include launching and leading for several years the Greater Sacramento Financial Planning Day and playing crucial role in bring a CFP Board Certified program to the CSU Sacramento Campus.
Outside of the boardroom, Debbie finds joy in spending quality time with her family and friends, exploring the great outdoors while hiking and horseback riding. Her multifaceted approach to life reflects not only her professional acumen but also her appreciation for balance and well-rounded living.
Debbie Grose
CFA®, CFP® and Chief Investment Officer
Tim joined LTWM in 2014. He champions the Investment Committee and leads integrated portfolio management, opportunistic rebalancing and unbiased financial guidance that aligns with clients' values-based life goals.
Tim was introduced to factor-based stock screens as a student portfolio manager of the Cayuga Fund, a long-short hedge fund at Cornell’s Johnson School during 2001-2002, where he received his MBA with distinction in 2002. The primary factors of Value, Size, Profitability, Quality and Momentum play an important role in the selection of investments within LTWM’s globally diversified portfolios. Tim received his Chartered Financial Analyst designation in 2007 and his Certified Financial Planner designation in 2009.
Tim has over two decades of wealth management experience and holds the fiduciary standard at the highest level in all client relationships. He has specific expertise in optimizing corporate benefits, managing concentrated stock positions, cash flow planning, tax efficiency and retirement plans. His approach is grounded in empirical analysis and research. Tim continually hones his expertise, staying abreast of financial innovations along with a large network of peers.
Active in the CFA Society of Orlando, a past board member of the CFA Society of Rochester, NY and the Financial Planning Association, he embodies a blend of theoretical insight and practical application in wealth management. Tim is a certified yoga instructor, still plays competitive soccer and in conversation, you will notice his enthusiasm for the new field of Medicine 3.0, longevity and healthspan.
Tim Sallade
Ethan joined the Lighthouse Financial Planning family in 2012 (Lighthouse was subsequently merged into Lake Tahoe Wealth Management in 2016). He graduated from Golden Gate University’s Ageno School of Business with a Masters of Science in Financial Planning. Ethan was recognized by the faculty at Golden Gate University as the Outstanding Graduate Student in Financial Planning. Prior (a lot prior) to his enrollment at Golden Gate University, Ethan graduated from the University of California at Davis with a Bachelor of Arts degree in Classical Civilizations.
Ethan passed the CFP® exam in 2012 and completed the experience requirement earning the CERTIFIED FINANCIAL PLANNER™ designation in 2016. He enjoys the process of working with clients and providing them with the information they need to pursue their dreams. Ethan is also an active member of the Financial Planning Association, former board member for the Northern California chapter, and a member of the National Association of Personal Financial Advisors.
He enjoys the process of working with clients and providing them with the information they need to pursue their dreams. Ethan has extensive experience working with clients who are approaching retirement. Preparing for retirement goes beyond answering the question, will I have enough? A comprehensive plan will look at tax optimization, withdrawal strategies, and risk management.
Based out of the Folsom office, Ethan’s experience also includes working with several Intel employees, and he is familiar with the inner workings of the Employee Stock Purchase Plan, stock options and restricted stock units, SERP/SERPlus, as well as the option for traditional or Roth 401k contributions.
For more detailed experience information please see Ethan's LinkedIn and feel free to add him as a professional connection.
CFP® and Director of Financial Planning
Ethan Green
Ian, a Summa Cum Laude graduate from California State Sacramento, joined LTWM as a Paraplanner in 2023. His role at Sac State's Financial Planning Association showcased his leadership and dedication to financial literacy. Actively pursuing a CERTIFIED FINANCIAL PLANNER™ designation, Ian's fervor for ethical, holistic financial planning drives his professional journey.
From Minnesota, his roots fuel his commitment to empowering clients towards financial stability, while off-duty, he relishes cooking, spending time with his family, and cheering for Minnesota sports teams.
Financial Para Planner
Ian Brauer
Mike joined the firm in 2024. His strong background in accounting and wealth management, along with his many years in tax preparation and research, make him a welcome addition to the Lake Tahoe Wealth Management team.
Mike specializes in tax planning and preparation, retirement, and estate planning. He has practiced before the IRS for nearly 30 years successfully representing clients in a myriad of tax issues. At the state level, Mike has worked with many clients on the often dismissed yet challenging issue of effectively breaking state domicile for those with multiple residencies.
Prior to his position at Lake Tahoe Wealth Management, Mike spent nearly 30 years in the financial industry. He began his career in public accounting in Rochester, NY doing both tax and audit work. He eventually made his way to Corning NY where he worked in the private wealth management industry, and then to financial planning where he earned his CFP® designation.
Mike received a BS in Accounting from SUNY Geneseo. He also attended the Naval War College in Newport, RI completing his studies in Joint Professional Military Education. He is a Certified Public Accountant, a CERTIFIED FINANCIAL PLANNER™, a member of the American Institute of Certified Public Accountants (AICPA), the NY State Society of CPAs, and is a member of the Financial Planning Association.
Mike is a retired Commander in the U.S. Navy Reserve. He is a life member of VFW Post 524, and a member of American Legion Post 746. He is a Past-President of the Corning Lions Club and a recipient of the Melvin Jones Award for outstanding humanitarian service to the club. Mike is a former board member and now a volunteer at Tanglewood Nature Center in Elmira, NY.
CPA, CFP®
Mike Bono
Join Our Team
Are you a bright, engaged individual seeking exciting career opportunities? We invite dynamic and motivated individuals to explore potential job openings with us. If you're passionate about making a meaningful impact and ready to contribute your skills to a vibrant team, we would love to hear from you. Navigate below to inquire about our current job openings and start a conversation. Your journey towards a fulfilling career awaits – let's explore the possibilities together