Retirement transition
For households close enough to retirement that income, taxes, investments, Medicare, Social Security, and estate decisions need to be sequenced.
Washington County · TN
Financial Advisor in Johnson City, TN
Johnson City is home. The office is here, most of our clients live within a short drive, and the two situations we see most are retirement getting close and a business doing well enough that the money decisions deserve real attention.
Fit
Who this page is for
People with real decisions in front of them: retirement, owner income, benefits, an inheritance, or a family member counting on them.
Best-fit situations
- You want somebody local and capable who can connect the pieces, without any of it feeling like a pitch.
- Pre-retirees, retirees, business owners, healthcare professionals, higher-education families, and households whose tax, investment, and estate decisions need a real plan.
Local context
Talley Wealth is based in Johnson City, and David has built the firm around the two situations that show up most often here: retirement getting real and business success creating bigger tax and strategy decisions.
If the question is mainly retirement or business ownership, use the situation-specific path below instead of treating location as the whole answer.
Why people reach out
The search may be local. The concern is usually personal.
Most people don't call an advisor because they want a prettier statement. They call because the decisions have gotten heavier: retirement timing, Roth conversions, Social Security, owner pay, taxes, or estate documents that never got finished.
If retirement is the pressure, start with the pre-retiree page. If the business is driving things, start with the business-owner page. The situation, not the city, should drive the next step.
Home base
The office is on Broyles Drive. Most of our clients are neighbors: Johnson City, Kingsport, Bristol, and the towns around them.
Read public reviewsChoose a starting point
Choose by the decision, not by a perfect label.
Someone can be a Johnson City household, a business owner, and close to retirement at the same time. The right starting point is the issue that needs a decision next.
Retirement is the main question Start here if retirement timing, income, taxes, Social Security, healthcare, or withdrawals are the main concern. Start here The business is driving the complexity Start here if the company, tax return, cash flow, retirement plan, or eventual exit is driving the question. Start here
I'm both, not sure, or something else Use Who We Help if neither of those describes the whole situation cleanly. Business-owner strategy
For owners whose business is working, but whose tax bill, cash flow, owner pay, and personal wealth plan need more structure.
Home-market context
The local familiarity helps the conversation move faster. The planning still has to stand on the actual numbers and decisions.
Decision depth
Johnson City context helps when the question is bigger than location.
Being local gets the conversation to the real issue faster. These are the ones we hear most.
Retirement timing
A local search often turns into a retirement-date conversation once income, taxes, healthcare, Social Security, and investment risk are put on the same page.
Owner decisions
For owners, the useful work is often deciding what the business should fund, what the household needs, and what should be coordinated with the tax professional before year-end.
Trusted handoff
When estate, tax, legal, or family decisions need outside professionals, local familiarity can make the next step more practical.
What we coordinate
Use the local page to find the planning work that fits.
- Retirement income planning & Roth conversion strategies
- Tax planning for Tennessee residents with multi-state income
- Investment management with a fiduciary standard
- Business succession and exit planning
- Estate planning coordination with local attorneys
- IRS resolution for back taxes or unfiled returns
Representative situation
A Physician Couple Navigating Dual Incomes and Student Loans
Situation
A married couple in healthcare are earning strong combined income but carrying significant student loan balances from medical school. They're maximizing retirement plan contributions but aren't sure whether to aggressively pay down loans, pursue Public Service Loan Forgiveness (PSLF), or focus on Roth conversions during a potential gap year.
Approach
We might start by modeling the total cost of each student loan repayment path — PSLF, aggressive payoff, and refinancing — to identify which approach could align best with their timeline. From there, we'd coordinate Roth conversion opportunities with projected income changes, optimize their tax withholdings across both W-2s, and ensure their benefit elections are working together rather than overlapping.
This representative situation is hypothetical and for educational purposes only. It is not based on, and should not be understood as referencing, any specific client or client experience.
Local proof
Where we are
Talley Wealth is based in Johnson City and works with families across the Tri-Cities, in person and virtually.
- Office: 203 Broyles Drive, Suite 301, Johnson City, TN 37601.
- Serving Johnson City, Kingsport, Bristol, and nearby communities.
- Reviews mentioned on this site are public Google reviews, not a promise of results.
Related next steps
Choose the page that fits the question.
Common questions
Local questions worth asking before you choose an advisor.
Do I need a financial advisor if I work in healthcare?
Healthcare compensation and benefits can create important planning decisions. Coordinating retirement plans, student loans, insurance, and tax strategy may require more attention than a benefits portal can provide.
How is Talley Wealth different from the advisors at my bank?
Talley Wealth is an independent planning firm built around coordinating your financial plan, investment decisions, and tax return. We are required to act in your best interest, and we explain pricing and compensation clearly before you decide whether to move forward.
Does Tennessee have a state income tax?
Tennessee does not have a state income tax on wages or salary. However, if you have multi-state income — for example, rental property in another state or a spouse working remotely for a Virginia employer — you may still have state tax obligations that require careful planning.
What is a CFP® and Enrolled Agent, and why does it matter?
A CERTIFIED FINANCIAL PLANNER™ (CFP®) is held to a fiduciary standard in financial planning. An Enrolled Agent (EA) is a federally licensed tax practitioner authorized by the IRS. Having both credentials means your financial plan and tax return can be coordinated under one roof — reducing gaps and missed opportunities.
How much does it cost to work with Talley Wealth?
Our planning fees depend on the complexity of your situation. Keystone is quoted as a flat planning fee, and any ongoing advisory fee is explained before you decide whether to continue. You can schedule an Explore Call to discuss fit before making any commitment.
Start with the real decisions in Johnson City.
Bring the question that is on your mind. We will use the call to see whether the full Keystone process is useful.