Jarrett Topel

Retirement, Investing, Lifestage Based Planning
“As a CERTIFIED FINANCIAL PLANNER, and co-founder of Topel & DiStasi Wealth Management, Jarrett Topel helps his clients pursue their life goals through prudent wealth management and financial planning expertise.”

Topel & DiStasi Wealth Management

Job Title:

Financial Advisor


Jarrett Topel is a financial advisor located in Berkeley, CA with over 20 years of experience in financial services. He brings a vast wealth of knowledge and expertise in delivering personalized financial planning and investment strategies to clients.

In his work as a financial advisor, Jarrett strives to help clients more fully enjoy the lives they have worked hard to build, by providing a partner in their journey towards financial independence.

Prior to co-founding Topel & DiStasi Wealth Management, Jarrett worked in various capacities in the financial services industry, giving him a broad perspective of the complex issues clients face today. He began his professional career at Smith Barney in 1994, then moved on to tax consulting and tax preparation work for a small boutique firm, ConsulTax, in Oakland, CA. Jarrett joined American Express Financial Advisors in 1999, and started his own firm as a franchisee of American Express Financial Advisors in 2003. Later that year, Jarrett earned his CERTIFIED FINANCIAL PLANNER™ designation (CFP®) and, since then, has continued to expand his knowledge base and skills set through continuing education and the attainment of advanced degrees and professional designations.

Jarrett holds a Bachelor of Science degree in Business Administration/Finance from San Francisco State University, a Certificate in Personal Financial Planning from the University of California, Berkeley, and a Masters of Science in Financial Planning from Golden Gate University.

A lifelong Bay Area resident, Jarrett currently lives in Oakland, CA with his wife and two children.


BS, Business Administration, San Francisco State University
MS, Financial Planning, Golden Gate University

Assets Under Management:

$83 million

CRD Number:


Insurance License:



For advisory services and disclosure information, please visit our website www.td-wm.com

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November 2017
    Real Estate, Retirement Living
June 2017
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    Retirement, Retirement Plans
How conservative should my portfolio be as I approach retirement?
61% of people found this answer helpful

Just because you are nearing retirement doesn’t necessarily mean you should be more conservative with your investment portfolio.  This decision should be based on what you are spending, what income sources you will have in retirement (i.e. social security, pensions, rental income, etc.), and how long you think you will realistically live.  The key here is to do more in-depth planning (hopefully with a qualified advisor) to find out how much you will need to pull from your investments each year, accounting for inflation, to meet your retiment goals.  If you only need 1%-3% from your portfolio, then yes, your portfolio can be invested conservatively.  If you need 4%, 5%, or more, then a conservative portfolio is likely a guaranteed failure (i.e. you will run out of money before you run out of life).  So, instead of thinking about risk tolerance based on your age or your proximity to retirement, think of it based on your needs and the chances of reaching your goals.  After all, what is really more risky---guaranteed failure, or possible failure with a good chance of success?

September 2017
    IRAs, Taxes
Should I combine my regular IRA with my Roth IRA?
41% of people found this answer helpful
September 2017
    Banking, Financial Planning, 401(k), IRAs
I am 23 years old and I contribute 10% into a 401(k) every month; should I open a Roth IRA or a savings account?
40% of people found this answer helpful
2 weeks ago
    Financial Planning, Retirement Savings, 401(k)
A former employer is dissolving the 401(k) plan they offered and I am taking the balance in my account as a distribution: should I be receiving a 1099-R form?
40% of people found this answer helpful
3 weeks ago
How should I invest my emergency fund so that I keep earning interest on it?
27% of people found this answer helpful
December 2017