Local employers
Ballad Health, ETSU, Mountain States Health Alliance, Citibank Operations
Washington County · TN
Financial Advisor in Johnson City, TN
Johnson City is growing — and so is the financial complexity for the people who live here. Whether you work in healthcare, higher education, business ownership, or another local field, your financial plan should reflect your actual life here. At Talley Wealth, we're not a national call center. We're your neighbors. David Talley, CFP®, EA, has built this practice specifically to serve families in Johnson City and across the Tri-Cities.
Connected planning
Planning for Johnson City lives, not generic households.
The financial decisions around Johnson City families often cross tax, retirement, employer benefits, business ownership, estate planning, and investment management.
Talley Wealth is built around coordinating those decisions instead of treating them as separate services.
Local proof
Talley Wealth has earned 67+ public Google reviews with a 5.0 average rating. Reviews are one proof point, not a promise of future results, but they do show that local families are willing to put their names behind the experience.
Read public reviewsLocal landmarks
Founders Park, ETSU campus, Downtown Johnson City, Tweetsie Trail
Community context
HQ city — Ballad Health, ETSU, growing downtown
What we coordinate
The useful details are connected.
- 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.
Related next steps
Keep going from here.
Common questions
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?
Bank-based advisors typically represent proprietary products. As an independent, fee-only fiduciary, Talley Wealth has no product quotas or commissions. We're legally required to act in your best interest, and we coordinate your tax return with your financial plan — something most bank advisors can't do.
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 fees depend on the complexity of your situation. We offer a transparent, fee-only structure with no hidden costs or commissions. You can schedule a free 15-minute Explore Call to discuss your needs and learn about our pricing 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.