Nearing retirement
"Retirement is getting close, and I want to know whether we're actually going to be okay."
Johnson City, Tennessee
Real financial planning for the decisions that shape what comes next.
Talley Wealth helps families nearing retirement, business owners, and executives or professionals with equity compensation make better decisions about taxes, investments, retirement, and what comes next.
CFP®, ChFC®, EA
67 five-star Google reviews
Plan first The advice starts with your life, not a product or portfolio model.
Tax-aware Planning, investments, and tax strategy are reviewed together.
Founder-led You work directly with David, supported by a prepared team.
Clear next step Start with a no-pressure 15-minute Explore Call.
Why It Matters
Most people reach this point with pieces, not a real plan.
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 no one is responsible for the whole picture.
That matters when retirement is close, income is high, taxes are more visible, a business is changing, or an inheritance opens up new choices. In those moments, the best decisions usually need more context than one account, one tax return, or one projection can provide.
Our work runs the other way around. We build the plan first, then let the plan guide the investment allocation, tax strategy, estate coordination, and ongoing decisions.
Sound Familiar?
People usually reach out when the decisions start feeling more real.
The details are different, but the feeling is familiar: there is enough going on now that a more thoughtful plan would feel useful.
Business owners
"The business is finally doing well, but the taxes are starting to feel like a real problem."
Inherited wealth
"I inherited money, and I do not want to make a mistake just because I don't know what to ask."
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."
The Keystone Method™
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 weave tax strategy through both. By the end, you have a plan that is actually yours, and decisions that get made instead of debated.
Fully refundable at any point during the engagement, for any reason.
Your Advisor
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. They are not careless. They are busy, thoughtful, and trying to make good decisions in areas where the answers can get technical quickly.
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 nothing falls between the cracks, and meetings actually feel prepared rather than improvised.
CFP®ChFC®EA
Supported by Stephenee Carberry, FPQP
Practice Manager
Client Stories
What Our Clients Say
67 Five-Star Reviews on Google
“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
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“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.
Public Google reviews
Clients often mention the same things.
The public reviews tend to come back to clarity, preparation, responsiveness, tax-aware planning, and feeling known by the team.
5.0 67 Google reviews
Read all Google reviews
★★★★★
“David is exceptionally knowledgeable, and really takes his time to get to know you, and tailor his advice to your personal situation. He explains everything clearly, and makes sure you fully understand what he's suggesting and why. It's very reassuring to have everything looked after seamlessly by one person.”
Joanna C.
★★★★★
“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!”
Tim M.
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. Some longer public reviews may be excerpted for space. Read the full public review profile on Google.
Ready to talk through what is on your mind?
The Explore Call is the next step. Fifteen minutes, no prep, no obligation. If it is a fit, we will talk about going further. If it is not, I will say so directly.