The Five Keys to Your Future Dreams

Do you see a dream in your mind's eye for retirement and wonder how to make it REAL?

These five keys are the roadmap to making your dream a reality.

Let's get started!

October Effect, Ltd. is a Registered Investment Advisor firm, servicing the Tidewater, Virginia area since 2015 as a fiduciary.

Key One - Risk Tolerance

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


Note: Data collected to generate your report will be held to the same privacy and fiduciary standards we provide our financial planning clients.

Key Two - Risk Capacity

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

Key Three - Portfolio Analysis

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

Key Four - Risk Protection

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

Key Five - Comprehensive Review

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

Meet Frank

Meet Frank Tehel, a financial advisor with 44 years of experience in fee-based financial planning and investment advisory. With qualifications like CFP®, CRPC®, and MSFA, Frank leads October Effect, Ltd., prioritizing enduring client relationships and meticulous attention to detail for sustained client benefits.

More About Us Book Time with Frank

Let's Chat

Tell Us How We Can Help You Today

Contact Us