Tax-smart planning for retirement, business owners, and Roth conversion windows.
Talley Wealth helps people in the years around retirement and profitable business owners make better decisions about income, taxes, investments, owner pay, Roth conversions, and the wealth they are trying to build.
Five years before and after retirement
Tax-Smart Retirement Planning
Income, taxes, investments, Medicare, Social Security, estate documents, and Roth windows all start to matter before the first paycheck stops.
Start hereTurning profit into personal wealth
Business Owner Profit-to-Wealth Planning
Owner pay, tax strategy, reserves, retirement plans, cash flow, and money outside the business need a rhythm that does not depend on last-minute decisions.
Start hereA high-intent specialty door
Roth Conversion + Retirement Tax Windows
The best conversion window often opens after work income drops and before RMDs, Social Security, Medicare thresholds, and future tax rates tighten the room.
Start hereCFP®, ChFC®, EA Planning, tax, and investments in one conversation.
Founder-led advisory You work directly with David, supported by a prepared team.
Three clear entry points Retirement transition, business-owner strategy, and Roth/tax windows.
67 five-star Google reviews Clear explanations, follow-through, and personal attention.
Most people reach this point with decisions that are starting to stack up.
They have investment accounts. A CPA. Maybe an old retirement projection. Estate documents from years ago. A few good decisions made at different times by different people.
The problem is not usually a lack of effort. It is that each decision was made before the next one became visible.
That matters most when retirement is close, when business profit is changing the family's personal picture, or when Roth conversion and tax-window decisions have real dollars attached. Other situations can still fit, but those are the places where our work usually has the most leverage.
Our work runs the other way around. We build the plan first, then let the plan guide the investment allocation, tax strategy, estate review, and ongoing decisions.
Start with the planning question already on your mind.
The details are different, but the feeling is familiar: there is enough at stake now that rules of thumb and scattered advice feel too light.
Five years before and after retirement
Tax-Smart Retirement Planning
"Retirement is close enough that rough guesses no longer feel good enough."
Income, taxes, investments, Medicare, Social Security, estate documents, and Roth windows all start to matter before the first paycheck stops.
Learn moreTurning profit into personal wealth
Business Owner Profit-to-Wealth Planning
"The business is working. Now the owner plan needs to catch up."
Owner pay, tax strategy, reserves, retirement plans, cash flow, and money outside the business need a rhythm that does not depend on last-minute decisions.
Learn moreA high-intent specialty door
Roth Conversion + Retirement Tax Windows
"You keep hearing about Roth conversions, but the real question is timing and pacing."
The best conversion window often opens after work income drops and before RMDs, Social Security, Medicare thresholds, and future tax rates tighten the room.
Learn moreSpecific situations that can still fit
Some people arrive through a more specific question. The fit depends on whether that question needs to be judged against taxes, investments, benefits, estate decisions, cash flow, or timing.
Executives and equity comp
"My compensation is getting more complicated, and I do not have time to figure out every tax and timing decision myself."
Inherited wealth
"I inherited money, and I do not want to make a mistake just because I don't know what to ask."
Busy high earners
"I make good money, but I want someone capable to help keep the important pieces moving."
Keystone turns the questions into a plan.
Most firms start by managing money and hope the rest of the picture works itself out. Keystone runs in the other order. It is a structured six-month engagement where we build the plan first, calibrate investments to it, and put tax strategy on the calendar before the best windows close. For retirement families, that usually means income, taxes, and investment decisions finally line up. For business owners, it means the business and personal plan stop being treated like separate projects.
Fully refundable at any point during the engagement, for any reason.
David Talley
CFP®, ChFC®, EA, Founder & Lead Advisor
The thing I see most often is successful people carrying more financial complexity than they want to carry alone. For many, that shows up as retirement getting close. For others, it shows up as a business that is finally profitable enough for tax and strategy questions to matter in a different way.
I built Talley Wealth to do that work differently. Every client works directly with me. The plan, the investments, and the tax strategy sit in one conversation. Stephenee keeps the operational side running so the next steps stay visible, and meetings actually feel prepared rather than improvised.
Supported by Stephenee Carberry, FPQP
Practice Manager
What Our Clients Say
“We never thought we needed a financial advisor until we went and spoke with David. He has a way of explaining our finances and relieving our anxiety about money. He led us down a very sensible path. So glad we found him and would highly recommend him to anyone needing answers for their financial planning needs.”
Pam D.
Tri-Cities, TN
“I am transitioning into retirement and my wife was wanting to move her retirement savings so we were looking for someone to help with the change and to manage things going forward. Thank goodness David and his team were recommended to us! They are without a doubt one of the best things to happen to us as we enter into this new phase of our lives. David's wisdom and expertise knows no bounds and his deep desire to help guide us down the best avenues to achieve our goals inspire total trust and confidence.”
Tim M.
Tri-Cities, TN
“I've been working with David and his team for about 2 years now. At just 29 years old, I feel so ahead of the game when it comes to financial competence and freedom. He doesn't just take my money and go — he makes sure that his plan is aligned to my personal goals and values and educates me at every step along the way. It's nice to not only be financially secure, but also financially confident — even during times like these!”
Alyssa G.
Tri-Cities, TN
Show More Reviews Show Fewer Reviews
“I've been working with David Talley for the past three months, and the experience has been outstanding. He has helped me make real progress in areas like tax strategies, debt payoff planning, cash flow management, and estate planning. David has a unique ability to uncover blind spots and provide clarity on where to focus, which has completely changed the way I view my financial decisions.”
Derrick N.
Tri-Cities, TN
“David Talley is an outstanding financial advisor who truly takes the time to understand your goals and explain everything in a way that's easy to grasp. His staff—Stephenee and Ashlynn—are just as impressive! They're incredibly kind, professional, and always on top of everything.”
Paul K.
Tri-Cities, TN
“We have worked with Talley Financial for a few years now. David does an outstanding job of breaking down financial and tax strategies for less technical people like ourselves. A trusted partner in our families future!”
Todd D.
Tri-Cities, TN
“David and his team are incredibly talented and exceptionally professional. My family will always use the services of Talley throughout our lives. 10/10”
Doyle C.
Tri-Cities, TN
“Love working with David and his team. His knowledge has helped me both with my business and personal finances. If you need help with anything, I highly recommend reaching out for a conversation.”
Cody L.
Tri-Cities, TN
“David has provided knowledgeable and insightful financial information to my wife and I since we started working with him. Not only is he dedicated to his profession but he truly cares about his clients. I would highly recommend him.”
Brian B.
Tri-Cities, TN
Testimonials are from current clients and reflect their individual experiences. These testimonials are not indicative of future results and should not be relied upon as a guarantee of any particular outcome.
Ready to talk through what is on your mind?
A short conversation to understand what is on your mind, whether Keystone fits, and what should happen next.