Thirty years of saving.
Now it has to become a retirement paycheck.

Your income, investments, and taxes, decided together around the life you want.

Schedule an Explore Call Start with your questions

15 minutes by phone. No cost or preparation.

Life around retirementThe decisions belong together.

As seen in

5.0out of 5 stars 68 Google reviewsas of August 2026

The decisions ahead

One question.
A few things connected to it.

You might come in wondering whether you can retire. Or which account to draw from first. Follow one question and you can see why the decisions belong in the same conversation.

Replacing your paycheck01 / 03

Where will the money come from?

The paycheck stops. The monthly expenses keep coming. Deciding which account to use reaches into the rest of your plan.

Your retirement paycheck
Income

What will cover the month?

Social Security, a pension, savings, or a combination.

Taxes

What does each withdrawal change?

The account you draw from can change the tax picture.

Investments

What needs to stay invested?

Money for the coming months has a different job from money for later.

What the work brings together

An income plan that connects what you spend, where it comes from, and how the rest stays invested.

Explore retirement paycheck planning
Choosing when to retire02 / 03

What changes if I retire sooner?

A date on the calendar changes more than your work schedule. The years before benefits begin deserve their own plan.

Your retirement date
Income

How long is the bridge?

The time between your last paycheck and other income starting.

Coverage

How will health coverage work?

The coverage you need when you leave your employer.

Taxes

How might income change?

A different mix of income can create new planning questions.

What the work brings together

A retirement date considered alongside the income, coverage, and tax decisions that come with it.

Read the questions to ask before retiring
Putting taxes in the picture03 / 03

Should I convert some money to Roth?

That question needs more than this year’s tax return. The answer belongs beside the income you need now and the withdrawals you expect later.

A possible Roth conversion
Today

What would the tax cost be?

A conversion changes the income reported for the year.

Cash flow

Where would that tax payment come from?

The money available to pay it is part of the decision.

Later

How could future withdrawals change?

The balance between account types matters over time.

What the work brings together

A conversion decision evaluated with your current cash flow and future retirement income in view.

Explore Roth conversion planning

The Keystone Method

Give every decision
the whole picture.

You’ve already made a lot of good financial decisions. The work now is understanding how they fit together, and what needs to change as life does.

The pieces you haveA structure they share
Retire Taxes Invest Estate Risk CashFlow Key-stone Integrated Plan

The Keystone Method™ sets the piece that holds the rest in place: your whole picture, understood, with the plan, the investments, and the taxes decided together.

Retire Taxes Invest Estate Risk CashFlow Key-stone Integrated Plan

The Keystone Method™ sets the piece that holds the rest in place: your whole picture, understood, with the plan, the investments, and the taxes decided together.

Planning, investments, and tax strategy are considered together through the Keystone Method. Six months of work around your actual life, with decisions made and put into motion along the way.

Inside the Keystone Method

Start with what you have

You don’t have to
arrive organized.

The old projection. The accounts from different jobs. The estate documents you haven’t looked at in years. These are the pieces we work with.

Understanding how they connect is part of the work.

  • Two 401(k)s and an IRA
  • The CPA who files the return
  • An old retirement projection
  • Estate documents from years ago
  • A Social Security statement
  • A house, some cash, a pension question

Six good pieces, six different rooms. The same six pieces, on one table.

A clear beginning

Know the work.
Know the cost.

Start with a conversation. Understand the engagement and its cost before deciding whether to move forward.

01

The Explore Call

Fifteen minutes by phone to talk about what’s on your mind and whether it makes sense to meet.

02

The strategy session

A fuller conversation about your situation, your questions, and what working together would involve.

The Keystone Method · Personal

$6,000 one flat fee

About six months. Planning, investments, and tax strategy considered together.

Fully refundable at any point during the engagement, for any reason.

See the complete pricing

After Keystone

What continues
is your call.

Wealth Advisory, Tax Advisory through Talley Tax, or both. Ongoing services are optional and have separate fees.

A little more understanding

Make room for
a good question.

You can spend some time with the details before you decide to talk.

Explore the resource library →
Income

Which accounts should pay you first?

The question behind a retirement paycheck.

Timing

What needs to be decided before you retire?

Make room for the decisions before the date arrives.

Account access

Can you use your 401(k) after leaving work at 55?

The Rule of 55, the exceptions, and the details that matter.

A client’s experience

Entering
a new phase.

68 Google reviews
Count as of August 2026

Read reviews on Google ↗
“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.
Read more client experiences
“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.
“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.
“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.
“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.
“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.
“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.
“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.
“It has taken us a long time to find someone we trust to advise us with our money. I feel confident you will appreciate David's way of explaining your options, ideas for growth, and his ability to see "down the road." His whole staff is very personable — really nice people who know what they're doing.”
Gentry H.

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.

David Talley and Stephenee Carberry at the Talley Wealth office

David Talley, CFP®, ChFC®, EA · Stephenee Carberry, FPQP

The people behind the work

Bring the question
that’s on your mind.

Talley Wealth is an independent financial planning firm. You’ll work directly with David, with Stephenee keeping things moving between meetings.

The first conversation is a fifteen-minute phone call with David. You don’t need to have everything figured out before you call.

Schedule an Explore Call ↗Meet the team →