Decades of Service.
One Family.
One Mission.
A to Z Retirement Planners has been coordinating retirement for Cincinnati-area families for years - income, Medicare, Social Security, and estate planning handled by the same team, under the same roof, with the same goal in mind.
When You're Here, You're Not A Number. You're Family.
Family businesses don't by overpromising. At A to Z, Andy Boettcher personally serves every client alongside his son Wesley and Tami — a team that has earned its reputation one retirement plan at a time, across more than 450 clients and $50 million in processed assets, with $0 in principal loss.
That record isn't a marketing line. It reflects a philosophy: protect first, grow second, and never put a client's retirement at risk chasing returns that aren't necessary. When you call A to Z, you reach people who know your name and your plan.
Meet the A to Z Team
Andy Boettcher
Founder
Andy Boettcher founded A to Z Retirement Planners with a straightforward premise: pre-retirees deserve the same coordinated benefits support at retirement that they had during their working years. For years, he has delivered that — as a licensed financial broker across Ohio, Kentucky, Florida, and many more states. A licensed Medicare broker who compares plans across 24+ carriers, and a Certified Social Security Strategist, Andy is one of a relatively small number of advisors in the Cincinnati tri-state area to hold that designation.
Andy has a Bachelor of Science from the University of New Hampshire and has spent years speaking at conferences on Social Security optimization, Medicare, estate planning, and life insurance — not as a sideline, but as the core of what A to Z does every day. He has processed more than $50 million in client assets without a single dollar of principal loss.
Away from the office, Andy runs an antique business — hunting for unique finds at estate sales and flea markets — and is an active member of his church and community. He's a family man with three children and grandchildren, and that orientation toward family carries directly into how he works with clients. When you sit down with Andy, you're not a file number. You're a member of the family.
If you've attended one of A to Z's retirement planning seminars, you've already met Andy. If you haven't, that's where most clients start.
Wesley Boettcher
Vice President
Wesley grew up in Cincinnati, left to serve in the U.S. Army for six years — including two deployments — and came home. That background shows up in everything he does: methodical, mission-oriented, and committed to the people he's serving.
After the military, Wesley spent six years in the property and casualty insurance industry, specializing in protecting clients through the claims process and overseeing repair operations across a multi-state region. He was successful — but increasingly frustrated by an industry more focused on corporate margins than client outcomes. When his father, Andy, invited him to join A to Z, the decision was easy.
Wesley brings the operational discipline of his corporate experience and the service-first mindset the military instilled — applied now to helping Cincinnati-area families build retirement plans that actually hold. He works directly with clients and brings the same focus to every conversation he brought to every mission.
He and his wife are back in Cincinnati with their two kids and a third on the way, ready to root for the Bengals, the Reds, and the Buckeyes — and never once for Michigan.
Tami Seidehamel
Client Relations Coordinator
Tami is the organizational backbone of A to Z — the reason the office runs the way it does. With a degree in communications and a background in donor relations and client-facing work, she brings genuine warmth, strong attention to detail, and a commitment to making every client feel respected and valued. When you call the office, there's a good chance you're talking to Tami first. Outside of work, she enjoys camping and hiking with her husband and two adult children. She's part of the family and part of the plan.
How We Work: Discuss, Design, Deliver
Most advisors describe their process in ways that sound identical to every other firm. Our three-step process is specific because every step means something concrete for the client.
Discuss
Before any plan is built, we listen. We ask about your timeline, your concerns, your current accounts, your health coverage situation, and what you want retirement to actually look like. The Discuss phase isn't a sales conversation — it's a fact-gathering session. We need to understand your full picture before we can recommend anything.
Design
We take what we learned and build a coordinated retirement strategy across all four pillars: income, Medicare, Social Security, and estate planning. This isn't a template pulled from a shelf — it's a plan built around your numbers, your goals, and your family's specific needs. We identify gaps, flag risks, and show you how the pieces fit together before any decisions are made.
Deliver
We implement the plan, walk you through every step, and stay with you after the work is done. Medicare enrollment, Social Security filing, income product setup, estate document coordination — we handle the execution so you don't have to manage it yourself. And when your situation changes, we're the ones who adjust the plan.
Wesley Boettcher
Wesley grew up in Cincinnati, left to serve in the U.S. military, and came home. That background shows up in the way he works: methodical, mission-oriented, and committed to the people he's serving. Wesley joined A to Z to help expand the firm's reach and bring the same family-first approach to a new generation of pre-retirees across the tri-state area. He works directly with clients and brings a service-first mindset to every conversation.
Founder
Our Preferred Professional Partners
Most advisors describe their process in ways that sound identical to every other firm. Our three-step process is specific because every step means something concrete for the client.
Lisa Brown
Attorney at Law
Lisa Brown is A to Z's preferred estate planning attorney — a partner, not a staff member, whose work integrates directly with the retirement strategies Andy and Wesley build. A native Cincinnatian with nearly 18 years of legal experience, Lisa has spent the majority of her career in estate planning: wills, trusts, powers of attorney, and the documents families need most during vulnerable moments, including the loss of a loved one or a serious illness. She also assists clients with business incorporations, guardianships, and real estate deeds.
Lisa earned her Juris Doctor from the University of Dayton School of Law and her undergraduate degree from Xavier University. She is admitted to practice law in Ohio and through the Federal Bar.
What sets Lisa apart is the care she brings to every client — from young families establishing their first documents to retirees updating plans that haven't been reviewed in years. She is known for making a process that can feel overwhelming feel manageable instead.
Outside the office, Lisa volunteers at her church and her children's school, and can usually be found at a pool deck or hockey arena cheering on her two boys.
If your retirement plan includes estate documents — and most should — Lisa is the attorney we bring in to make sure the paperwork matches the plan.
Steve Vettorel
Portfolio Manager/Trader - FDF
Steve Vettorel brings more than 25 years of portfolio management and retirement income planning experience to the A to Z partner network. His career in financial planning began in 1998 at Fidelity Investments, where he developed long-term investment strategies for high-net-worth clients — a foundation that has since grown into co-founding First Down Financial, Inc., a fee-only Florida-registered investment advisor (RIA).
Steve holds FINRA Series 65 and 66 licenses and has earned recognition across the industry, including multiple President's Circle and Chairman's Club honors and the 2017 Investopedia Top 100 Advisors award. He is a recognized authority in technical analysis and Auction Market Theory, with a following in financial media that reflects the depth of his expertise.
For A to Z clients who need investment management or portfolio-level guidance alongside their retirement income plan, Steve is the advisor we bring in.
Outside of work, Steve is devoted to his wife April and their two children, Ava and Evan. He's drawn to classic cars, the markets, boating, and golf — often in that order.
First Discount Travel
Your Vacation. Our Expertise. Personalized Service Since 1994.
513-313-6908
https://fdtcincinnati.com/
Experience the Difference of Working with Travel Experts Who’ve Been There.
Founded in 1994 by brother-and-sister team Deanna and Jerry Katz, First Discount Travel has grown into Greater Cincinnati’s largest independent travel agency. While the travel industry has changed dramatically, one thing remains constant: travelers value professional advice, personalized service, and experts they can trust.
MORE THAN A TRAVEL WEBSITE—YOUR PERSONAL TRAVEL EXPERTS
Why spend countless hours searching through travel websites when you can work directly with experienced professionals?
Our travel consultants can arrange virtually every aspect of your trip:
- Vacation Packages
- Cruises and escorted tours
- Train tickets and destination activities
- Travel insurance and vacation packages
- And much more!
We save you time, simplify the planning process, and help you travel with confidence.
COMPETITIVE PRICES. EXCEPTIONAL SERVICE. NO FEES ON VACATION PACKAGES OR CRUISES.
The belief that everything is cheaper online is outdated. We don't charge fees for vacation packages or cruises, and we can access the same legitimate pricing offered by major online travel companies.
What sets First Discount Travel apart is what websites can't provide:
✓ Personalized, one-on-one service
✓ Professional, unbiased travel advice
✓ Destination expertise based on firsthand experience
✓ Competitive deposit and cancellation policies
✓ A live person answering your call—not a call center or phone prompts
✓ Support when unexpected travel challenges arise
Our business is built on referrals and repeat customers, and your satisfaction is our greatest success.
YOUR VACATION IS PERSONAL. YOUR TRAVEL ADVICE SHOULD BE, TOO.
No two travelers are alike. We take the time to understand what matters to you, ask the questions you may not have considered, and recommend options that fit your expectations and budget.
Don't leave your well-deserved vacation to an impersonal website. Trust the experts who have been there.
Rooted in Cincinnati. Licensed in Many States Across the Union.
A to Z's home office is in Blue Ash, Ohio, and the tri-state area — Cincinnati, Northern Kentucky, and southeastern Indiana — is where most of our clients live. We hold seminars throughout the region, meet clients in person at our Blue Ash office, and serve the communities we've been part of for nearly three decades.
For clients outside the Cincinnati area, we offer virtual meetings and hold active licenses in 12 states. Many of our clients outside the region were referred by someone in Cincinnati — which tells you something about how A to Z works and what our clients think of us.
