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 on Broyles Drive, David grew up here, and most of our clients live within a short drive. The two situations we see most: retirement is getting close, and a business is doing well enough that the money decisions deserve real attention.
Who we help
Who this is for
People with real decisions in front of them: retirement, owner income, benefits, an inheritance, or a family member counting on them.
The situations we know well
- 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.
Rooted here
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 retirement or the business is the bigger question, the pages below go deeper on each.
Why people reach out
It usually starts with one decision.
Most calls start with one specific decision: retirement timing, a Roth conversion question, Social Security, owner pay, a tax surprise, or estate documents that never got finished.
Johnson City shapes what those decisions look like. Careers here often run long, at the region's hospital system, the university, or a business the owner built, so households arrive with several retirement accounts, a pension election, or company decisions tangled into the personal ones. Tennessee's zero state income tax changes the Roth conversion and withdrawal math in ways generic national advice misses.
The work is the same either way: put income, taxes, investments, and the estate pieces on one page, decide the order, and make the moves while the timing is still flexible.
Home base
The office is at 203 Broyles Drive, Suite 301. David is a Johnson City native, and most of our clients are neighbors: Johnson City, Kingsport, Bristol, and the towns around them.
Read public reviewsChoose a starting point
Start with the decision that needs an answer next.
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.
Plan and tax return, together
David holds both the CFP® and Enrolled Agent credentials, so the financial plan and the tax strategy get decided in the same conversation.
Decision depth
The decisions we see most in Johnson City.
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.
The Tennessee layer
No state income tax makes the years between the last paycheck and required distributions unusually valuable here. Conversion windows and withdrawal order deserve real modeling.
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 Johnson City owner deciding whether the business can fund the retirement
Situation
An owner in their late 50s has a business that runs well, several retirement accounts from earlier career stops, and a spouse ready to put a date on retirement. The tax bill has grown, the estate documents are a decade old, and nobody has connected the company's numbers to the household's plan.
Approach
We might start by modeling what the household actually needs the business to produce, then test retirement dates against income, taxes, and the investment mix. From there we would look at owner pay and retirement-plan design, map the Roth conversion window before required distributions begin, and flag the estate updates worth handling now.
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.
Retirement planning here
Go deeper on retirement timing, income, taxes, healthcare, and withdrawal decisions in this market.
Learn moreBusiness-owner planning here
Go deeper on owner pay, tax strategy, business cash flow, retirement plans, and personal wealth.
Learn moreRetiring to Johnson City
For people considering a move here for retirement: healthcare, housing, taxes, and what day-to-day life looks like.
Learn moreFive questions before you retire
A practical starting point for long-term employees who can see the last paycheck coming.
Learn moreDo I pay state taxes on retirement income in Tennessee?
The resident answer: what the state genuinely skips and where taxes still show up.
Learn moreMeet David
Johnson City native, CFP® and Enrolled Agent, and the advisor across the table.
Learn moreErwin financial advisor
Unicoi County planning, about twenty minutes down I-26 from the Johnson City office.
Learn moreKingsport financial advisor
For Kingsport households built around long careers and major-employer benefits.
Learn moreGreeneville financial advisor
Greene County planning, in the town where David lived for six years and graduated from Tusculum.
Learn moreCommon questions
Local questions worth asking before you choose an advisor.
Where is your office in Johnson City?
203 Broyles Drive, Suite 301, Johnson City, TN 37601. Meetings happen in person at the office or virtually, whichever is easier for you.
Do you only work with people in Johnson City?
No. Most clients live in Johnson City, Kingsport, Bristol, and the surrounding towns, and virtual meetings work fine when driving in is not practical.
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 tax wages or retirement income at the state level. Federal taxes remain fully in play, which is where most of the planning value lives. Multi-state situations, like rental property in another state or a spouse working remotely for a Virginia employer, can still create state filings that deserve attention.
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. David holds both, so 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 wealth 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.