Who We Are
We are dedicated financial professionals committed to helping you secure your retirement future with personalized strategies and trusted guidance for over 25 years.
Our Mission
Our mission is to enrich the hearts, lives, and souls of all people — one plan at a time!
About A to Z Retirement Planners
A to Z Retirement Planners is a family-owned firm committed to being your comprehensive, one-stop resource for retirement planning. We're here to simplify every step of your retirement journey—helping you protect your assets, minimize your tax burden, and plan confidently for the future.
Our services include:
✅ Tax-efficient retirement strategies
✅ Maximization of retirement accounts and income
✅ Social Security setup and optimization
✅ Estate planning assistance, including wills, trusts, and powers of attorney
✅ Medicare planning, including Medicare Advantage and Supplement plans
✅ Life insurance planning and brokerage
✅ Strategic partnerships with one of the nation's top wealth management firms (see our Resources page)
✅ Long-term care
Think of us as your personal HR department for retirement—handling the legwork, paperwork, and research so you don't have to. From selecting the right plans to managing the application process, our team is dedicated to providing personalized, stress-free support for every client we serve.
What Our Clients Say
Hear directly from our clients about how our retirement planning strategies have made a difference in their lives
"I just think Andy is very easy to talk to, and he's knowledgeable, he's enthusiastic, he wants to help you. He wants to get it right, he wants you to be covered. I would highly recommend Andy."
Judith Buchanan
"He did everything for me that he said he was going to do. He did my estate, he did my will, he did my Power of Attorney. I have no fear; when I die, I know my son will be taken care of."
Linda Ratliff
Our Team
Andy Boettcher
Financial Advisor
Andy Boettcher is a licensed agent in Ohio, Kentucky and Florida and many other states with over 15 years of experience in financial and estate planning. As an active member of his community and church, he takes serving his fellow tri-state residents seriously. Andy has made it his personal mission to enrich people’s lives through financial education, ensuring their retirement needs are met and providing peace of mind.
First and foremost, Andy is a family man with 3 children. When not at work, Andy runs an antique business, combining his love of entrepreneurship and the hunt for unique treasures at estate sales and flea markets.
With A to Z Retirement Planners, Andy will truly make you a member of the family when you discuss the best options for your unique financial situation. His expertise in senior income planning, estate planning, and long term care options will ensure that your family's needs are taken care of and your assets are safe.
Andy holds a Bachelors of Science from the University of New Hampshire. He is also a Certified Social Security Strategist, and a frequent conference speaker on the topics of Social Security Optimization, Estate Planning, Medicare, Life Insurance and other financial topics.
Wesley Boettcher
Vice President
Wesley has always embodied a service-first mindset, beginning with six years of honorable service in the U.S. Army, including two deployments. Upon completing his military career, he transitioned to helping individuals navigate personal crises here at home by working in the property and casualty insurance industry. For six years, Wesley specialized in protecting clients from being taken advantage of in the claims process. He oversaw repair operations across the Columbus region and managed wreckage yard relationships throughout the entire state of West Virginia.
Despite his success in the insurance sector, Wesley became increasingly disillusioned with the industry's focus on corporate profit over client advocacy. Motivated to make a more direct impact, he accepted an invitation from his father, Andy, to join the family business—A to Z Retirement Planners. In this new role, Wesley combines the operational discipline and efficiency honed in the corporate world with the personal, relationship-driven approach that defines a family-owned practice.
Wesley and his wife are excited to return to Cincinnati with their two children, where they look forward to rooting for the Bengals and Reds and enjoying a classic chili coney. A proud alumnus of Ohio State, Wesley remains fiercely loyal to the Buckeyes—and never misses a chance to root against Michigan.
Heather Novarro
Medicare Coordinator
Heather Novarro is dedicated to helping individuals confidently navigate their Medicare options. Through her outreach efforts, Heather connects the firm with people who are approaching Medicare eligibility or who need help understanding their coverage choices.
Heather not only helps identify those in need of guidance but also assists with the processing of Medicare Advantage and Medigap products, ensuring applications are completed accurately and efficiently. Her attention to detail and commitment to service help make the Medicare enrollment process smooth and stress-free for both clients and the A to Z team.
With a strong passion for helping others and a deep knowledge of Medicare programs, Heather plays an essential role in making sure clients are matched with the right plans for their needs—and feel supported every step of the way.
Steve Vettorel
Portfolio Manager/Trader - FDF
Stephen has established himself as a distinguished authority in portfolio management and retirement income planning. His journey began following the sudden loss of his father while pursuing a finance degree at Xavier University. This life event sparked a mission to help his family and empower others. Stephen began his award-winning financial planning and wealth management career in 1998, developing and implementing long-term investment strategies for his high-net-worth clients at Fidelity Investments. He currently is co-founder and portfolio manager at First Down Financial, Inc a fee only FL registered investment advisor (RIA). Prior to the merger, Steve was the co-founder, head trader and portfolio manager of Benchmark Wealth Advisors, LLC.
He also serves the needs of students interested in learning to trade the futures and forex markets via their sister company FXESTrader. He is a recognized trading expert in technical analysis, Auction Market Theory, and has a large following in the financial media. Stephen also served as an RVP at Fisher Investments and was proud to work alongside famed investor and Forbes columnist Ken Fisher. Steve later founded Aumenti Capital Management, LLC, an equity-based tactical hedge fund. Accolades he has earned along the way include multiple President's Circle, Chairman's Club, and the coveted 2017 Investopedia Top 100 Advisors award. He holds the FINRA Series 65 & 66 licenses.
Stephen is devoted to his wife, April, and a proud father to his children, Ava and Evan. His interests include the markets, classic cars, boating and golf.
TAKE THIS QUICK ASSESSMENT to understand your retirement risk profile and receive personalized recommendations from our partnering firm FDF.
Tami Seidehamel
Client Relations Coordinator
Tami is dedicated to ensuring clients feel respected and valued. With a background in donor relations for a performing arts center and experience with clients in the software industry, she brings strong communication skills and attention to detail.
Tami holds a degree in communications, which complements her experience. In her free time, she enjoys camping, hiking, and spending time with her husband and two adult children.