Three Cord True Wealth Management

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Three Cord True Wealth Management

Three Cord True Wealth Management specializes in comprehensive wealth planning. LPL Financial does not offer tax advice or Tax-related services.

Professionals associated with Three Cord True Wealth Management may be either (1) registered representatives with, and securities and advisory services offered through LPL Financial, Member FINRA/SIPC finra.org sipc.org, a registered investment advisor; or (2) solely tax professionals of Three Cord True Wealth Tax Solutions, and not affiliated with LPL Financial. Tax-related services offered throu

gh Three Cord True Wealth Tax Solutions, DBA [Three Cord True Wealth Management]. Three Cord True Wealth Tax Solutions is a separate legal entity and not affiliated with LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

08/28/2026

Less than half (42%) of Americans are on track for retirement, according to Vanguard research.
Of all the generations, baby boomers are among the least prepared: just 40% are on track to maintain their lifestyle in retirement. Gen X (41%) and millennials (42%) are close behind.

Gen Z (47%) is slightly more prepared.1 According to a survey by Northwestern Mutual, the typical Gen Zer with savings began putting money aside for retirement at age 22, six years younger than the closest generation, millennials.

08/21/2026

Americans say you need $2.3 million to be wealthy and $839,000 to be “financially comfortable,” according to a survey from Schwab.1 But that number measures aspiration, not financial health.

Wealth isn’t just income. Net worth, debt load, retirement savings, and financial flexibility all shape how secure you really are.

Click below to read more.
https://tinyurl.com/yfctspnb

08/14/2026

The goal for most of our lives is to grow our 401(k) so we’ll have more to live on in retirement. But these accounts aren’t meant to increase forever. Eventually, the focus shifts from saving to spending.

Here’s how median balances change throughout the decades and why the turning point comes sooner than you might think.

Click below to read more.
https://tinyurl.com/y99nuyc5

08/07/2026

The dramatic reading of the will in a wood-paneled office has long been a staple of television dramas. Who’s in the will (and who isn’t) is a go-to motive for murder whodunnits, and there’s good reason the premise lands: Many Americans believe the will has the final say over their legacy.

Click below to read more.
https://tinyurl.com/d49jzzd4

07/24/2026

Every strong plan starts with someone who's seen the full picture, and for Three Cord, that's Tod Arbutina.

Tod has spent over three decades helping families and business owners make sense of their finances, first as a CPA, then as a CERTIFIED FINANCIAL PLANNER™. He founded Cottrill Arbutina & Associates in 1992 and later created Three Cord True Wealth Management in 2021, built on a simple idea: your investments, tax strategy, and life goals should work together, not in silos.

We put together a short video so you can hear directly from Tod about his approach to wealth management and what "True Wealth" really means to him and our team.

Watch Tod's introduction here: https://www.3ctruewealth.com/team/tod-r-arbutina/

Tod is also a lifelong Beaver County resident, so when he talks about serving families here, it's personal. He's raised his own family here and cares deeply about this community.

If you have any questions or would like to connect with Tod directly, feel free to reach out to our office at (724) 683-3450.

07/10/2026

We’re halfway through the year, and our newly released Midyear Outlook 2026: Policy, Buildouts, & Bottlenecks helps you cut through the noise and understand what’s shaping the economic and market landscape right now.

It also provides important context for what these developments could mean as conditions continue to evolve, building on the themes introduced in our 2026 Outlook and bringing them forward with timely perspective.

Click below to read more.
https://tinyurl.com/2zwbvene

07/03/2026

Wishing you a wonderful Fourth of July. This holiday is a great reminder of the freedoms we often take for granted, and a good excuse to slow down and spend time with the people who matter most.

We hope your weekend is full of good food, good company, and maybe a few fireworks.

From all of us at Three Cord True Wealth Management, have a safe and happy Fourth!

06/26/2026

If you carry federal student loans, or if your adult children or grandchildren do, the rules just changed in a major way. The Saving on a Valuable Education (SAVE) plan has been terminated, and a new system is stepping in to take its place.

For many families we work with here in the Pittsburgh and Beaver County area, this is not a far-off policy headline; it is a real decision with a short clock attached.

Here is a look at what is happening, what it replaces, and the time-sensitive choice in front of you.

Click below to read more.
https://www.3ctruewealth.com/the-save-plan-is-ending-what-the-new-rap-system-means-for-your-student-loans/

06/19/2026

We're excited to introduce you to Mandy Albanese, a valued member and shareholder of our team at Three Cord True Wealth Management.

In this short video, Mandy shares her background, her role in guiding our daily operations, and how she helps keep things running seamlessly for both our clients and our team.

Watch Mandy's introduction here: https://www.3ctruewealth.com/team/amanda-albanese/

As Director of Operations and a shareholder of the firm, Mandy brings a strategic eye to our accounting and compliance functions while co-leading our in-house tax preparation practice. She plays an integral role in making sure every part of Three Cord works together smoothly for the families we serve.

Mandy brings over 20 years of experience in financial services. Before joining Three Cord in 2021, she served as Vice President and Relationship Banker at Brentwood Bank and as a Tax Manager at S.R. Snodgrass. She holds a Bachelor of Arts in political science from Geneva College, where she graduated as valedictorian, summa cm laude, along with a post-baccalaureate certificate in accounting studies from Robert Morris University. Mandy is both a Certified Public Accountant and a Certified Kingdom Advisor.

Outside the office, Mandy lives in New Brighton with her husband, Rich, and their two sons, Joe and Alex. She stays active in the local community as a board director and treasurer of Grove Cemetery in New Brighton and as a board director with the Beaver County Chamber of Commerce. At Concord Church, she serves on the praise and worship team and as Finance Chair.

We're grateful to have Mandy as part of our team and excited for you to get to know her.

If you have any questions or would like to connect with Mandy directly, feel free to reach out to our office at (724) 683-3450.

Address

535 3rd Street
Beaver, PA
15009

Website

https://www.3ctruewealth.com/

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