Services
What we do, and where it starts.
Every relationship here starts in the same place. What follows is what grows out of it.
Where it starts
Financial planning is planning out your life, and how money helps you get what you want as efficiently as possible: the investments, the taxes, the estate, the insurance, the cash flow, looked at together. Most planning ends with a list of things for you to go do. The Keystone Method has a name because it's built to get the work done, with you and for you, over about six months, with the plan, the investments, and the taxes decided at one table.
It's a flat fee, $6,000 for a household and $12,000 when a business shapes the personal picture, refundable in full at any point during the engagement, for any reason. The pricing page has the full schedule.
After Keystone
What continues is your call.
Wealth Advisory and Tax Advisory open once Keystone is complete, each optional. Many families choose both, and some finish Keystone, take the system home, and come back when life changes.
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.
Every door, in one place
What we do, by name.
One way in, and then the work that grows out of it. Each page below is written the way we'd explain it across the table.
The planning process
The Keystone Method
Most planning ends with a list of things for you to go do. The Keystone Method has a name because it's built to get the work done, with you and for you, over about six months, with the plan, the investments, and the taxes decided at one table.
Then, optional
Wealth Advisory
Three things, for one fee of 1.00% of managed assets, from the month your money is managed. Someone to ask about anything involving money who understands your entire picture. Someone managing your investments as a fiduciary, in accordance with your plan. And someone proactively thinking about your situation, all year, with a state of the union spring and fall and the tasks that actually matter.
Then, optional
Tax Advisory
One monthly fee, $200 or $400 for business owners, through Talley Tax, to know the whole thing is handled. The return is the result. The job is the year: withholdings and estimates set so your cash flow works, income projected as it changes, money drawn from the right accounts at the right time, and the strategy thought about for you.
Under Wealth Advisory
Investment Management
The portfolio on its own, when at the end of Keystone that is the only job: managed as a fiduciary in accordance with your plan, at the same published schedule, with no minimum and one review a year.
Under Tax Advisory
Tax Preparation
Just the return, for a tax year with nothing to carry: $750 a year, flat, prepared, filed, and signed by David, an Enrolled Agent, through Talley Tax. A year with a business, rental property, or K-1s belongs in Tax Advisory.
The whole of it
Financial Planning
Financial planning is the whole of it: your life, and how money gets you there.
When everything changes
Retirement Planning
Retirement planning is financial planning done in the middle of the largest financial event of your life, when the objective, the rules, and the stakes all change at once.
Ahead of time, on purpose
Tax Planning
Tax planning is deciding your tax bill ahead of time, on purpose, so you're lowering the lifetime total and never just finding out in April.
All the way through
Estate Planning
Estate planning doesn't have to be the complicated thing you've been putting off: a conversation in plain English, guided documents, and the follow-through that makes them work.
The tax valve
Real Estate Investors
Real estate has real tax benefits, and using them on purpose is the job: cost segregation, depreciation timing, the entity, and a calendar that runs earlier than anyone else's.
Where the tax strategist is
Business Owner Planning
Owners rarely go looking for a financial advisor. They go looking for a tax strategist, then find that the tax bill, the decision to reinvest, the cash flow, and the entity are one picture.
What the plan covers
Planning looks at all of it at once.
Every relationship starts with The Keystone Method, because managing money or planning around taxes without the whole picture is acting on a picture we haven't seen.
- Cash flow, and what your life actually costs
- Retirement income
- Taxes, over a lifetime
- Investments, built to the plan
- Estate documents
- Insurance, reviewed against the plan
- The business and the household, as one picture
Tax advisory, tax planning implementation, and tax preparation are provided through Talley Tax, a separate business owned and operated by David Talley. Tax advice is given by Talley Tax. Talley Wealth and Talley Tax work in concert, and they are separate entities. Securities and advisory services are offered through Cambridge entities as described in the site footer; Talley Tax is not affiliated with Cambridge. Talley Wealth advisory services do not include tax preparation unless a separate Talley Tax relationship is established. About Tax Advisory.
The next conversation
Where to start.
An Explore Call. Fifteen minutes, by phone, with the question that's on your mind and nothing else.