The spring planning session
After filing season. Your tax return and what it revealed, withholding and estimates set right for this year, and cash flow and savings still at the right pace.
After Keystone
The plan becomes a rhythm.
Every Wealth Advisory relationship begins with the Keystone Method, our six-month planning engagement. Plenty gets decided and done inside Keystone, and what it really earns is understanding. Once we understand your full picture, we can truly act as a fiduciary of it. Wealth Advisory is that relationship continuing: your planning, your strategy, and your investment management, kept current as markets move, tax years close, and life keeps happening.
Your Talley Wealth year, in one picture.
Most of the work in this relationship happens quietly, all through the year. Twice a year, we sit down together for a planning session, because some of it needs you.
The fall planning session
Before year-end. Tax moves while there is still time, anything coming in your life or work, and estate documents and beneficiaries still right.
The work that runs all year
Your investments kept aligned as markets move, tax windows watched, planning deadlines kept visible, and decisions from your meetings carried out and tracked to done.
Wealth Advisory opens after the Keystone Method. That six-month engagement is where your full picture gets built and understood, and the understanding is what makes this relationship possible. See how the Keystone Method works.
What you actually get
Wealth Advisory is what wealth management should mean here, and it's three things.
01
Someone to ask, about anything involving money, who understands your entire picture.
Almost every financial question depends on context.
Your plan and what you're trying to do with your life, your investments, your taxes, all of it. An investment decision has tax consequences, a tax strategy changes your cash flow, an estate question changes how the investments should be built, and an insurance question comes up and you want it answered against your plan. Of the three, this is the one people use most and value least, and it matters more than it sounds.
02
Someone managing your investments as a fiduciary, in accordance with your plan.
Not a call with a hot stock tip.
I manage your money to the best of my ability as if I were you, with your plan in front of me.
How that works.03
Someone proactively thinking about your situation.
This is the most important one.
Understanding what's changing in tax law and in the investment world is my full-time job, all year, and there are two companies, with people and systems, built around keeping up with it so you don't have to. Twice a year we sit down so I can hear your side and bring you the strategies you should know about, with a state of the union on where you stand and how you're progressing. You leave with the tasks that actually matter, prioritized and filtered, instead of a tip you could have heard anywhere.
What the two sessions cover.That's Wealth Advisory, and that's what wealth management looks like when it's done for one household at a time.
Wealth Advisory keeps the plan current and owned.
Most of the useful work happens outside the meeting itself: reviewing tax patterns, watching deadlines, coordinating with other professionals, keeping investment assets aligned to the plan, and making sure decisions are not waiting until they become urgent.
The meetings still matter because proactive planning depends on knowing what changed, what matters now, and which decisions deserve attention next.
Who it fits
Retirement / Retirees
For households turning savings into income, with taxes, Medicare, investments, estate details, and surviving-spouse readiness kept in the same plan.
See the rhythmWho it fits
Business Owners
For owners whose business, tax return, household cash flow, retirement plan, and future exit decisions need to be handled together.
See the rhythmWealth Advisory pricing
One fee, one published schedule.
One fee covers your planning, your strategy, and your investment management. It buys the three things above.
- The advisory fee
- 1.00%
- of managed assets, on the first $2M
- It applies only to what we manage. What moves is decided during Keystone, and an account that stays put still gets planned around.
-
- 0.75%on the next $2M
- 0.50%from $4M to $10M
- Negotiableabove $10M
- The minimum
- Your fee for the year is the larger of the advisory fee or $5,000. It only matters below roughly $500K in managed assets, and it pays for the planning time. A household with nothing for us to manage can still be in Wealth Advisory on the minimum alone. It's rare.
- Portfolio only
- If, at the end of Keystone, the portfolio is the only job, we manage it at the same schedule with no minimum and one review a year. How we manage investments
- When it starts
- The advisory fee starts the month your money is managed, usually near the end of Keystone. Whether to continue is a decision you make during Keystone, once you can see what your plan actually needs.
Both, either, or neither
Wealth Advisory and Tax Advisory work together.
Both open once Keystone is complete, and each is optional. 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.
Wealth Advisory on its own still decides the tax moves, and your own preparer can file them. When the business is the investment and there is no portfolio to manage, Tax Advisory on its own is the usual fit.
See what Tax Advisory coversHow It Feels
A prepared rhythm with room for real decisions.
The goal is for meetings to feel focused because the review, analysis, and coordination are already moving between touchpoints. Scheduled conversations still matter because proactive planning depends on knowing what changed and what deserves attention next.
Planning deadlines, tax windows, and open items stay visible before they become urgent.
The portfolio, tax return, estate plan, and business decisions get interpreted together.
You know which decisions are already handled, which are waiting, and which ones do not deserve your attention right now.
The three numbers
What it costs, in one line of sight.
Keystone is how we earn the full picture. This is how we keep carrying it.
If you are reviewing Talley Wealth as a possible fit, this is the relationship the Keystone work is designed to make possible.