Local context
University of Tennessee hub, growing metro, UT football culture
Knoxville, TN
Tax Planning in Knoxville, TN
Proactive tax planning from a CFP® and Enrolled Agent who coordinates your tax return with your financial plan — so nothing falls through the cracks.
Connected planning
Why tax planning is local here
Knoxville is more than a college town — it's a growing metro with university employees navigating pension decisions, TVA workers coordinating federal benefits, and entrepreneurs building in one of Tennessee's most dynamic markets. David Talley, CFP®, EA, is a season ticket holder at Neyland Stadium and is in Knoxville most Saturdays in the fall. He knows this city, loves this city, and has built relationships with UT alumni and Knoxville professionals who want a financial advisor that feels like a neighbor — not a call center.
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 reviewsEmployers and life patterns
University of Tennessee, Tennessee Valley Authority (TVA), Covenant Health, Pilot Flying J, Regal Entertainment
Planning scope
Proactive tax planning from a CFP® and Enrolled Agent who coordinates your tax return with your financial plan — so nothing falls through the cracks.
What we coordinate
The useful details are connected.
- Multi-year tax projection and bracket management
- Roth conversion analysis and execution
- Capital gains planning and harvesting
- Estimated tax payment optimization
- State tax planning (TN/VA cross-border)
- Tax return preparation coordinated with your financial plan
Representative situation
A UT Professor Navigating Retirement Timing and Multiple Income Streams
Situation
A University of Tennessee employee approaching retirement has a state pension, an Optional Retirement Program balance, a rental property generating passive income, and a spouse still working part-time. They need to coordinate pension election timing, Social Security claiming strategy, and Roth conversions across two different retirement timelines.
Approach
We might start by modeling the pension election — comparing the lifetime income under different payout options. Then we'd coordinate the spouse's Social Security claiming strategy with the primary earner's pension start date, identify Roth conversion opportunities during the gap years between retirement and age 72, and ensure the rental property income is structured tax-efficiently alongside the other retirement income sources.
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.
Common questions
Questions worth asking before you choose an advisor.
What's the difference between tax preparation and tax planning?
Tax preparation is backward-looking — it reports what happened last year. Tax planning is forward-looking — it identifies strategies to reduce your taxes in the current year and beyond. We do both, and they're coordinated with your overall financial plan.
What is an Enrolled Agent?
An Enrolled Agent (EA) is a federally licensed tax practitioner authorized by the U.S. Treasury Department to represent taxpayers before the IRS. EAs must pass a comprehensive exam and complete ongoing education. It's the highest credential the IRS awards.
Can you help if I have multi-state income?
Yes. We regularly work with clients who have income in both Tennessee and Virginia, or who have rental properties, business interests, or remote work arrangements in other states. Multi-state tax planning is one of our core competencies.
How does tax planning connect to my investments?
Every investment decision has tax consequences — from which accounts to contribute to, to when to sell, to how to locate assets across taxable and tax-deferred accounts. By coordinating your tax return and investment strategy, we can identify opportunities that most advisors and most CPAs miss individually.
Talk through tax planning in context.
The Explore Call is a short way to see whether this work fits your situation in Knoxville.