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Let us help you plan for the possibilities. Dare to imagine. Planning for your desired financial future takes skill and expertise. The world is an ever-changing place so positioning yourself to make the most of those changes is crucial to your success. Our comprehensive approach provides clarity to your position, planning opportunities, and confidence in your financial future. ABOUT US Plan A significant element of our work includes identifying opportunities for growth and developing strategies for preservation of your wealth. Our ongoing approach ensures your positioning is reviewed regularly and optimized for your growth and security. LEARN MORE Protect Protecting your portfolio requires regular monitoring and opportunistic re-balancing to maintain portfolio alignment with your overall life goals. Our portfolios prioritize low-cost, tax- efficient construction and aligning with your goals. LEARN MORE Grow A journey of 10,000 steps begins with the first. Often the first step is often the hardest. The clarity in knowing your financial position and the confidence that comes with it allows for growth not only in your financial life but in your overall well-being. Every client is unique, and our approach is tailored to you in support of your well-being. LEARN MORE We’ve created programs and offerings with you in mind. Our core wealth-building program blend structured planning with the flexibility to adapt to your evolving financial needs. LEARN MORE LTWM Wealth Accumulator™ All clients receive a personalized and secure financial dashboard to conveniently see theirfinancial plans and portfolios. LEARN MORE LTWM Wealth Dashboard™ A zero-commitment way to explore our unique financial planning process. Ideal for new clients to try us out before making a long-term commitment. LEARN MORE LTWM TestDrive™ MEET THE TEAM Get to know us. We’re here for you, now and down the road. We are dedicated to making the process of financial planning and wealth management simpler, and even enjoyable. For every challenge, there is an opportunity. Let us help you plan and prepare for your financial future. We invite you to take that first step and contact us today to schedule a complimentary 15-minute conversation with one of our team members. CONTACT US Let's meet.

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Our Services "Your Journey, Our Services, Your Peace of Mind" Rooted in the fee-only, fiduciary standard of care, securing your financial future is our primary goal. Creative planning and sound investment management create possibilities not previously identified. Our approach is not confined to traditional methods; instead, we explore innovative strategies to unlock a broader range of possibilities tailored specifically for you. We believe in thinking outside the box and fostering a creative mindset when planning for your future. This is what sets us apart. Foundations and Endowment Planning Services We offer specialized fiduciary asset management for Foundations and Endowments. Collaborating closely with Directors and Boards, we align endowment and investment policies to meet your organizational goals. Our customized investment strategies include risk assessment, time horizon planning, asset class selection, and re-balancing guidelines. Retirement Plans for Companies A well-designed retirement plan can be a win-win for both small business owners and their employees, contributing to financial stability, attracting top talent, and fostering a positive work environment. ​ We work closely with business leaders to understand their goals and provide experienced insights about the features and benefits of various retirement plans. ​ We specialize in assisting business owners with low-cost retirement plans, including 401(k), Cash Balance Plan, SEP, and SIMPLE IRAs, along with employee/plan participant education Regulatory Forms The attached forms provide a detailed regulatory view of who we are and what we do. ADV - Part 2 - Brochure ADV - Part 3 - CRS Privacy Policy Financial Planning We believe in the power of creativity when it comes to financial planning. Your financial journey is unique, and so are your possibilities and opportunities. We're here to craft personalized strategies for you. Our approach is designed to identify and explore possibilities that may not have been previously considered. Recognizing your distinct goals and aspirations, we take a bespoke approach, ensuring every strategy is designed to align with your individual circumstances. This commitment to customization sets us apart, reinforcing our dedication to providing solutions that resonate deeply with your vision for the future. Your financial well-being is our priority, and we're here to tailor a path that's uniquely yours. ​ ​ Portfolio Management Your portfolio is the foundation of your financial security. Therefore, your portfolio management should be tightly integrated with overall goals and risk tolerance levels. With our in-house developed financial plans, this is of the utmost importance to us. The benefits of tight integration allow for cash flow and income tax planning, optimal asset location, opportunistic rebalancing, regular tax-loss harvesting, as well as account servicing and maintenance. ​ Our team boasts expertise in stock valuation and optimizing corporate benefits, including equity compensation. We are able to support clients who receive equity compensation or those who have concentrated stock positions.

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 CFP® and Director of Financial Planning 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 TM 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. ​ ​ 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 Tyler, a valued member of the Lake Tahoe Wealth Management team, serves as our Client Relations support. With 10+ years of Administrative and Human Resource expertise, her contributions are invaluable. A graduate from California State University, Monterey Bay, her rapport with our team and clients enriches our collective journey. Outside work, Tyler cherishes moments with her family and Goldendoodle, embodying the warm, inclusive spirit we uphold at LTWM. Client Relations Specialist Tyler Wheeler 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

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Retirement Lifestyle Guide Document This document aids your financial advisor together with your input in crafting a personalized plan for retirement, covering finances, goals, investments, and estate planning. Next Item Previous Item

SEC Disclosure ​ A Registered Investment Advisory Firm with the Securities and Exchange Commission. This website is published for informational and educational purposes and should not be considered investment advice, a recommendation, endorsement or an offer of any security for sale. Diversification does not prevent negative returns. Past performance is not indicative of future results. Indices not available for direct investment. Index performance does not reflect the expenses associated with the management of an actual portfolio. Unauthorized copying, reproducing, duplicating, or transmitting of this material is prohibited.

LTWM Community Events Digital Footprints Webinar This discussion was led by Tom Naramore, CEO of ABetterProcess.com, was an introduction to the digital world of connected things and how these things are shaping our lives in a good way but also in a way that each of us may want to try and manage a little better. Past Event Digital Footprints Webinar Virtual Client Event Join us for an enjoyable evening where the Lake Tahoe Wealth Management Team will give an overview on the current markets before being joined by Point Reyes Farmstead Cheese Co, for a discussion about Cheese 101, Tasting, Tools, Handling and Assembly of a Cheese Board. Past Event Virtual Client Event

TestDrive™ Possibility resides in the details. The more details, the more possibility. In financial planning this is especially true. In many cases, the smallest detail can make the biggest difference. For example, one day is the difference between a short-term gain versus long-term capital gain. Yet, the taxability of short versus long-term gains can be vastly different. Every client engagement begins by looking closely at the details. Through this work we can uncover opportunities, identify potential problems, and gain a deeper understanding of the factors that help make a financial plan successful. Additionally, paying attention to the details can help you understand a situation more fully and make more informed decisions. ​ Portfolio Review Detail You will receive a written portfolio report detailing your key portfolio characteristics along with observations that may be used in current year planning. Areas of key characteristics include: % in stocks (equities), % in bonds (fixed income) – together referred to as allocation Global allocation – how much exposure to the available markets you have Risk return considerations Liquidity analysis Expense ratio analysis Tax diversity – how much is in tax deferred vs tax free vs after tax type accounts Asset location considerations Concentrated position analysis Income Tax Planning You will receive a written tax report detailing your key figures along with observations that may be used in current year planning. Areas of key figures include: ​ • 2023 Tax Rate Schedule Standard Deductions vs Itemized Deductions Child Tax Credit Tax Rate on Long-Term Capital Gains and Qualified Dividends Net Investment Income Brackets Exemption Amounts for Alternative Minimum Tax Gift and Estate Exclusion and Credits Education Credits, Deductions and Distributions Tax Deadlines Retirement Plan Contribution Limits Individual Retirement Accounts Health Savings Accounts Deductibility of Long-Term Care Premiums on Qualified Policies Medicare Deductibles Social Security Medicare Premiums Uniform Lifetime Table Retirement Readiness You will receive a written retirement readiness report detailing your key figures along with observations that may be used for long-term planning considerations, including: Current net worth Annual income-tax planning Shortfall analysis or additional spending capacity Long-term tax planning Social Security claiming strategies Roth Conversion possibilities Gifting strategies Legacy considerations How does it work? Once you have uploaded the required documents you will select the date and time for your TestDrive appointment. The day before the scheduled TestDrive we will send you a secure link to download your personalized report including our planning observations. During the TestDrive we discuss our observations and answer your questions. At the end of our meeting, we will send you your report. TestDrive is a great tool for those who are financially secure and are considering professional financial management; and also those who are just beginning the financial planning process. ​ Features: Secure and 100% confidential. Personalized report with planning considerations Deeper understanding of your financial standing Concise 45-minute meeting with a veteran professional financial planner. One time high-value consultation fee for as little as $295.00 No additional commitments. No subscription or retainer required. Benefits: Clarity about your current financial situation. You will know where you stand. Beginning of a comprehensive financial plan. Real world knowledge that you can act on immediately. Experience what it’s like to work with our experienced CFP® No future obligations. You choose your next steps with LTWM. To schedule your TestDrive simply click the “TestDrive” button below and answer a few questions. We look forward to exceeding your expectations for financial guidance and lifetime service! ​ REQUEST A TestDrive™ Go REQUEST A TestDrive™ Return REQUEST A TestDrive™

Form ADV - Part 3 - CRS Document This document proves registration with the SEC and other requirements as financial advisors. Next Item Previous Item