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home
about us
Investment Approach
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Market Analysis Summary
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Team Biographies
Firm ADV PDFs
Form CRS
Firm Brochure-Part 2A of Form ADV
Brochure Supplement Amit Stavinsky
Brochure Supplement Frank Parks
Brochure Supplement Dominick Savo
Brochure Supplement Richard Mason
Brochure Supplement Joe Estes
Brochure Supplement Jonathan Ezra
Statement Of Financial Strength
Job Opportunities
Tamar Advisors
Own Your Practice
Letter to Clients
member log-in
contact us
PRODUCTS
Fixed Income Portfolio (FIP)
FIP Program
Services, Fees and Compensation
Client Information
Client Contact with Portfolio Manager(s)
Sample Portfolio
Back Dated Performance Reports
Quarterly Performance Reports
Total Asset Market (TAM)
TAM sm Program
Services, Fees and Compensation
Client Information
Client Contact with Portfolio Manager(s)
Sample Portfolio
Back Dated Performance Reports
Quarterly Performance Reports
Total Asset Fund (TAF)
TAF sm Program
Services, Fees and Compensation
Client Information
Client Contact with Portfolio Manager(s)
Sample Portfolio
Back Dated Performance Reports
Quarterly Performance Reports
Market Value Securities (MVS)
MVS Program
Services, Fees and Compensation
Client Information
Client Contact with Portfolio Manager(s)
Sample Portfolio
Back Dated Performance Reports
Quarterly Performance Reports
Total Asset Value (TAV)
TAV Program
Services, Fees and Compensation
Client Information
Client Contact with Portfolio Manager(s)
Sample Portfolio
Back Dated Performance Reports
Quarterly Performance Reports
Municipal Bonds
Taxable Bonds
Par, Premium, and Discount Bonds
Rating and Analyzing Bonds
Refunding & Pre-refunding
Bond Yields
Yield Curve
Secured Bonds
Mortgage Bonds
Unsecured Bonds
Debentures
Subordinated Debentures
Zero-Coupon Bonds
Convertible Bonds
High Yield Dividend Stocks
Independent Money Managers
Fees & Compensation
Corporate Cash Management
Fees & Compensation
Estate Planning
Financial Planning
Client Service Approach
Client's Responsibilities
Fees
Implementation
Legal Services
Termination
Professional Alliance Network
Client Service Approach
Client's Responsibilities
Fees
Implementation
Legal Services
Termination
MUNICIPAL BONDS
Municipal Bond Presentation
About Us
The Management
Global Asset Allocation Products
FIP Program
Classifying Municipal Bonds
Revenue Bonds
Credit Factors Affecting General Obligation Bonds
Credit Factors Affecting the Quality of Local Municipal Bonds
Analyzing the Credit Quality of General Obligation Bonds
Analyzing the Credit Quality of Revenue Municipal Bonds
What We Normally Buy
What We Normally Don’t Buy
Municipal Bonds – Unique Asset Class
Default Rates
Yield Difference
Turnkey Operation Platform
Advantages of Our Bid Wanted System
Advantages of Our Clearing System
Preferred Custodian Settlement
Advantages of Same-Day Allocation
TSL’s Turnkey Operation Platform
Classifying Municipal Bonds
Revenue Municipal Bonds
Types of Revenue Municipal Bonds
Industrial Development Revenue Bonds
Lease-back Bonds
Special Tax Bonds
NHA/PHA Bonds
Moral Obligation Bonds
Municipal Notes
TANs/RANs
BANs
CLNs/GANs
Variable Rate Bonds/Notes
Build America Bonds
Double-Barreled Bonds
Bond Index Components
Open-end-Closed-end-Indenture
Sinking Fund
Bond Contracts
Bond Indenture
Official Statement
Bond Issuance Process
Analyzing GO Bonds
Analyzing Revenue Bonds
Debt Ratios
General Price Analysis of Municipal Bonds
Liquidity
Interest Rate Risk
Credit Risk
Coupon Risk
Maturity Risk
Municipal Bond Insurance
Municipal Bonds Unique Asset Class
Default Rates
What We Buy Currently
What We Normally Don’t Buy
Turnkey Operation Platform
Advantages of Our Bid Wanted System
Advantages of Our Clearing System
Preferred Custodian Settlement
Advantages of Same Day Allocation
Traditional Broker/Dealer Execution Flow
TSL's Turnkey Operation Platform
INDEX FUNDS
Total Asset Fund (TAF)
TAF® Program
Services, Fees and Compensation
Client Information
Client Contact with Portfolio Manager(s)
Additional Information
Sample Portfolio
Back Dated Performance Reports
Quarterly Performance Reports
EVENTS
FIP
Event Schedule
TAM
Event Schedule
Total Asset Market (TAM sm) Presentation
TAF
Event Schedule
Total Asset Fund (TAF sm) Presentation
MVS
Event Schedule
Market Value Securities (MVS sm) Presentation
Featured Event
Calendar of Events
Events History
Investing During Uncertain Times
Read FULL Seminar Here
Tax-Free Income Seminar
Bond Fund Seminar
RSVP-Signup Form
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Charles Schwab
(NY:
SCHW
)
102.50
-0.29 (-0.28%)
Streaming Delayed Price
Updated: 3:37 PM EDT, Jul 16, 2026
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Marriott International Stockholders Reelect Board as CEO Addresses Global Outlook
↗
May 08, 2026
Marriott International (NASDAQ:MAR) held its 2026 Annual Meeting of Stockholders, with Chairman of the Board David Marriott presiding over the formal business portion of the meeting and President and...
Via
MarketBeat
SCHD vs. VTI: Which ETF Could Make You Richer?
↗
May 08, 2026
The Schwab U.S. Dividend Equity ETF and the Vanguard Total Stock Market ETF are both terrific funds. But one has the edge in terms of long-term growth potential.
Via
The Motley Fool
Topics
ETFs
Charles Schwab (SCHW): Buy, Sell, or Hold Post Q1 Earnings?
May 08, 2026
Over the past six months, Charles Schwab’s shares (currently trading at $89.40) have posted a disappointing 6.5% loss, well below the S&P 500’s 7.7% gain. Th...
Via
StockStory
Topics
Stocks
Two emerging-markets ETFs, two different Asia trades
↗
May 07, 2026
Expense ratios, dividend yields, and risk profiles set these two emerging markets ETFs apart—see how their portfolios and recent returns compare.
Via
The Motley Fool
Topics
ETFs
This Is What Happens When You Allocate 1% of Your Portfolio to Crypto, According to Charles Schwab
↗
April 26, 2026
Via
The Motley Fool
SCHD: The Dividend ETF That Delivers
↗
May 07, 2026
The Schwab U.S. Dividend Equity ETF's focus on balance sheet quality, high yield, and dividend growth delivers consistently for investors.
Via
The Motley Fool
Topics
Artificial Intelligence
ETFs
Could Buying the Right Dividend ETF Today Make You a Millionaire in Retirement?
↗
May 06, 2026
Many investors prefer growth and tech stocks to build their portfolios. Dividend stocks and ETFs might actually be the better risk/reward play.
Via
The Motley Fool
Topics
Artificial Intelligence
ETFs
Retirement
How to Stop Worrying So Much About Your Retirement Account After You Retire
↗
May 05, 2026
There's no reason to spend retirement in a state of worry. Instead, take these steps.
Via
The Motley Fool
Topics
Economy
Retirement
Here's How Much $1000 Invested In Schwab U.S. Large-Cap Growth ETF 15 Years Ago Would Be Worth Today
↗
May 05, 2026
Via
Benzinga
Topics
ETFs
Charles Schwab Launches AI-Powered Capability That Helps Investors Understand Portfolio Performance and Market Activity
May 05, 2026
From
The Charles Schwab Corporation
Via
Business Wire
Should You Buy Robinhood While It's Below $80?
↗
May 05, 2026
Robinhood just reported decent earnings, but the details suggest there could be more risk here than investors expect.
Via
The Motley Fool
Avantax Loads Up on JPEF With a $128M Stake in Q1
↗
May 05, 2026
JPMorgan Equity Focus ETF targets U.S. equities and REITs, with selective international exposure for added diversification.
Via
The Motley Fool
Topics
ETFs
Regulatory Compliance
Charles Schwab Corporation Stock Outlook: Is Wall Street Bullish or Bearish?
May 05, 2026
Charles Schwab Corporation has underperformed the broader market over the past year, and analysts remain cautiously optimistic about the stock’s prospects.
Via
Barchart.com
Topics
ETFs
One Stock Drives 16% of SCHE — Check Before You Buy
↗
May 04, 2026
Compare how these two low-cost ETFs differ in market coverage, portfolio concentration, and income potential for global investors.
Via
The Motley Fool
Topics
ETFs
Schwab Announces Redemption of All Outstanding Depositary Shares Representing Interests in Its 4.000% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series I
May 04, 2026
From
The Charles Schwab Corporation
Via
Business Wire
The "Magnificent Seven" Have a Combined Market Cap of Just Under $23 Trillion. Is Now the Time to Diversify Outside of Tech?
↗
May 04, 2026
The market has been bullish on tech stocks recently, and buying into the rally could add significant risk to your portfolio.
Via
The Motley Fool
Topics
Artificial Intelligence
ETFs
Schwab Trading Activity Index™: STAX Score Drops in April as Retail Clients Cut Tech Exposure
May 04, 2026
From
The Charles Schwab Corporation
Via
Business Wire
Schwab Marks Second Annual National Investing Day with Industry and Community Partners
May 01, 2026
From
The Charles Schwab Corporation
Via
Business Wire
Is the Schwab U.S. Dividend Equity ETF the Right Buy for This Market?
↗
April 30, 2026
The Schwab U.S. Dividend Equity ETF (SCHD) is enjoying a renaissance in 2026. The good times may not be over.
Via
The Motley Fool
Topics
Artificial Intelligence
ETFs
Economy
HDV vs. SCHD: Which Dividend ETF Is the Better Buy?
↗
April 30, 2026
The Schwab U.S. Dividend Equity ETF (SCHD) and the iShares Core High Dividend ETF (HDV) are two of the best high-yield equity products out there.
Via
The Motley Fool
Topics
ETFs
Stocks
2 Value Stocks Worth Your Attention and 1 We Question
April 30, 2026
Value investing has produced some of the world’s most famous investing billionaires, including Warren Buffett, David Einhorn, and Seth Klarman, who built the...
Via
StockStory
Stock Market Today, April 29: Robinhood Markets Drops After Earnings Miss
↗
April 29, 2026
On April 29, 2026, earnings shortfalls and slumping crypto revenue reshaped the risk picture for this trading platform.
Via
The Motley Fool
Topics
Stocks
Vanguard vs. Schwab: Which Small-Cap ETF Belongs in Your Portfolio?
↗
April 29, 2026
Expense ratios, diversification, and recent returns reveal key differences between these two leading small-cap ETFs.
Via
The Motley Fool
Topics
ETFs
Stocks
Schwab Small Cap ETF Tops State Street in Returns and Diversification
↗
April 29, 2026
Compare how expense ratios, yield, and portfolio breadth set these two small-cap ETFs apart in risk and income profile.
Via
The Motley Fool
Topics
ETFs
Stocks
Billionaire Bill Ackman’s Pershing Square IPOs Promise to Bring Hedge Fund Results to Retail Investors, but Institutions Dominated the Offerings
April 29, 2026
The dual Pershing Square IPO marked the largest closed-end fund IPO ever recorded in American financial markets.
Via
Barchart.com
Topics
Initial Public Offering
Early Start, Long-Term Mindset: Teens Increasingly Interested in Investing
April 28, 2026
From
The Charles Schwab Corporation
Via
Business Wire
Want Decades of Passive Income? Here Are 2 ETFs to Buy and Hold Forever.
↗
April 27, 2026
These two high-quality dividend ETFs are built to deliver years of durable and predictable passive income.
Via
The Motley Fool
Topics
Artificial Intelligence
ETFs
Economy
The Volatility Harvester That Thrives in Market Chaos
↗
April 27, 2026
Via
MarketBeat
Should You Buy SCHD at $31 or Wait for a Better Entry Point?
↗
April 27, 2026
The popular dividend index fund is near its 52-week high. Is it still a good time to buy?
Via
The Motley Fool
Topics
ETFs
Stocks
Mace Moad Analyzes 2026 Market Volatility Amid Tech Leadership Shifts and a $13 Billion DeFi Disruption
April 27, 2026
Via
BusinesNews Wire
Topics
Economy
Stocks
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