Clarity for the Decisions That Shape Your Future
You've built something worth protecting. The decisions ahead, about taxes, investments, retirement, and what gets passed on, should be working together, not against each other.
The plan, the investments, and the taxes almost never get looked at together.
Most families approaching financial independence have a tax person, an investment account, maybe an old financial plan from years back. Everyone doing their piece. Nobody seeing how the pieces fit together.
That gap is where real money gets lost. A tax decision that ignores the investments. A retirement date that doesn't account for the estate plan. An insurance gap that isn't anyone's job to notice.
My work is the other way around. Start with the plan. Let the plan tell us what the investments need to do. Coordinate the tax strategy so it's a lever we use rather than a cost we absorb. That sequence sounds obvious when you say it. It's also genuinely rare.
How we hold ourselves accountableQuestions that tend to sound like yours.
"We're about five years from retirement and I think we're in good shape, but I honestly don't know how to turn what we've saved into an income we can count on."
Retirement income timing
"My mom passed and I've inherited more than I expected. I don't want to make a decision I'll regret just because I didn't know what I didn't know."
Inherited wealth and estate coordination
"The decisions we're making now feel bigger and more connected than anything we've dealt with before. I'd rather have someone in the room who does this for a living."
Coordinated planning across taxes, investments, and estate
"I've been meaning to update our plan for years. Between the business and the personal side, I just don't know who's supposed to be looking at the whole picture."
Business owners and complex households
We plan first. The rest follows.
Most firms start by managing money and hope the rest of the picture works itself out. Our work runs in the other order. The Keystone Method is a structured six-month engagement where we build the plan first, calibrate investments to it, and weave tax strategy through both. By the end, you have a plan that's actually yours, and decisions that get made instead of debated.
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, and the thing that's hardest to watch, is successful people arriving at retirement without the kind of clarity they've earned. They've done the saving. They've made the right decisions for thirty years. And then they reach the chapter where all of that is supposed to turn into a life, and nobody has sat them down and shown them how.
I built Talley Wealth to do that work differently. Every client works directly with me. The plan, the investments, and the taxes all sit in one conversation. Stephenee keeps the operational side running so nothing falls between the cracks, and meetings actually feel prepared rather than improvised.
The longer version of why I do this work
Supported by Stephenee Carberry, FPQP
Practice Manager
What clients have said.
"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
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.
If this sounds like the kind of conversation you want to have.
The Explore Call is the next step. Fifteen minutes, no prep, no obligation. If it's a fit we'll talk about going further. If it isn't, I'll say so directly.