The first question I ask
What do you want this next chapter to feel like?
Johnson City, Tennessee CFP® ChFC® EA
In the room
The questions I ask first.
They don't sound like financial questions. Every number in your plan eventually answers one of them.
The short version
Advisor, then planner, then tax advisor.
Who you will actually talk to
Two people. Both know you.
Talley Wealth is an independent financial planning firm in Johnson City, Tennessee, led by David Talley, CFP®, ChFC®, EA.
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David Talley, CFP®, ChFC®, EA
Founder and lead advisor
Leads the strategy, the recommendations, the tax planning, and the major decisions.
Responsible for whether the advice is right and fits your real life.
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Stephenee Carberry, FPQP
Practice Manager
Keeps the experience organized and responsive between meetings.
The best place to begin with a question, a document, or a next step.
How we work together
One way in. Then two services, each optional.
Every relationship begins with the Keystone Method. Wealth Advisory and Tax Advisory open once it is complete, each optional, and some engagements end there, happily. The schedule is public, and we walk through it before you decide anything.
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Where every relationship starts
The Keystone Method
Roughly six months of work that ends with the decisions made and the actions in motion. Flat fee, once, refundable in full at any point, for any reason.
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Then, optional
Wealth Advisory
Someone to ask about anything involving money, your investments managed as a fiduciary in accordance with the plan, and someone proactively thinking about your situation, all year. 1.00% of managed assets on the first $2M, declining above, from the month your money is managed. If the portfolio is the only job, we manage it at the same schedule with no minimum and one review a year.
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Then, optional
Tax Advisory
The whole tax year carried, with the return included, through Talley Tax, our tax firm. $200 a month, or $400 for business owners. Just the return is $750 a year, flat, for a tax year with nothing to carry.
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With Wealth Advisory, the plan decides the tax moves, how much to convert, which account pays first, when to gift, and Tax Advisory carries the year those decisions land in, and files. On its own, Tax Advisory does both.
When providing fiduciary advice, we are legally and ethically bound to act in your best interest. Talley Wealth is independently owned. The full fee schedule
Securities are offered through Cambridge Investment Research, Inc. Advisory services are offered through Cambridge Investment Research Advisors, Inc. Cambridge and Talley Wealth are not affiliated. Tax preparation is available through Talley Tax.