About Edgewater
Anchored on the Maumee River
Edgewater was built on a simple belief: retirement planning should be honest, personal, and free of pressure. Because we prepare taxes in-house, the advice you receive is grounded in the real numbers of your life.
Our story
We're an independent practice on the Maumee River, working with people in the Toledo area and across the nearby Michigan counties. We focus on what we do well: dependable, protection-first planning for the years that matter most.
In 1977, Howard C. Bluhm founded his own practice. Over that time, he has worked diligently to see that his clients' financial goals are met and that they live stress-free in retirement.
During the past 48 years, not a single dollar of principal has been lost. No retired client has had to go back to work, rely solely on assistance programs, or financially depend on family. We carefully work to protect your assets, so they are there for you to enjoy when they are needed most.
The people you'll work with
You work directly with our advisors, from the first call onward. No call center, no handoffs.
Howard C. Bluhm
Founder and Senior Partner
A former police officer, Howard made the transition to financial planner over 48 years ago. During this time period, he experienced many of life's personal moments with his clients along the way. The wisdom he obtained, he now uses to counsel, advise, and prepare clients for retirement.
David J. Tulppo
Enrolled Agent and Managing Partner
David was brought aboard in 2020 to lead the business over the next several decades. A former math teacher of 12 years, he is always analyzing cases mathematically to find the best course of action. An avid golfer who enjoys spending time with his family and watching college football.
Credentials you can check
Howard C. Bluhm
- Master of Science in Financial Services (MSFS)
- Chartered Financial Consultant (ChFC)
- Chartered Life Underwriter (CLU)
- Certified Income Specialist (CIS)
- Fraternal Insurance Counselor (FIC)
David J. Tulppo
- Enrolled Agent (EA)
- Certified Tax Specialist (CTS)
- Certified Annuity Specialist (CAS)
- Fraternal Insurance Counselor (FIC)
Both advisors are Licensed Insurance Producers (Ohio, Michigan, and other states as necessary).
Who we help
- People a few years out from retirement who want a plan in place
- Retirees who want dependable income they can count on
- Families looking to protect what they have built and pass it on
Come meet us
Reach out for a relaxed, no-obligation conversation. We'll listen first, then show you how a protection-first plan could work for you.