Do you have an office in Erwin?

Yes. Talley Wealth maintains an office in Erwin, making us one of the few financial planning firms with a physical presence in Unicoi County. We're embedded in this community and available for in-person meetings.

Can you help with federal contractor retirement benefits?

Federal contractor benefits — including BWXT/NFS retirement plans — often have unique features that differ from standard 401(k) plans. We can help you evaluate your plan options, optimize contribution strategies, and coordinate your employer benefits with your broader financial plan.

Is it worth driving to Johnson City for a financial advisor?

You don't have to. We're right here in Erwin, and we also offer virtual meetings. Our goal is to make comprehensive financial planning accessible to Unicoi County families without the commute.

Do you work with families who have land and property in Unicoi County?

Yes. Many Erwin-area families have real property — farmland, timber, or family land — that plays a significant role in their financial and estate plan. We can coordinate with local attorneys to help ensure your property is titled and planned for appropriately.

Erwin, TN

Your Erwin Financial Advisor

Comprehensive financial planning for Erwin families, professionals, and business owners — from someone who lives and works right here in the Tri-Cities.

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Nolichucky River shoals near Erwin, Tennessee — photo by Brian Stansberry, CC BY 3.0 via Wikimedia Commons

Why Work With a Local Financial Advisor?

Erwin is home to one of our offices — and to Nuclear Fuel Services, one of the most important employers in Unicoi County. Many NFS employees have complex compensation including security clearance considerations, federal contractor benefits, and retirement planning needs that differ from typical private-sector workers. We understand the Erwin community because we're part of it.

What We Help Erwin Clients With

Retirement planning for Nuclear Fuel Services employees
Federal contractor benefit optimization
Tax planning for Unicoi County families
Investment management with a fiduciary duty
Small business planning for Erwin entrepreneurs
Estate and legacy planning for Erwin families

Hypothetical Scenario

An NFS Employee Planning for Early Retirement

The Situation

A Nuclear Fuel Services employee at age 55 is eligible for early retirement but isn't sure whether their savings — combined with their federal contractor pension equivalent and Social Security — would cover their expenses through a 30+ year retirement. Their spouse has a small home-based business generating modest income.

How We Might Approach This

We might build a detailed retirement income projection showing all income sources — the NFS retirement benefit, Social Security at various claiming ages, and their investment portfolio. Then we'd stress-test the plan against different inflation and market scenarios, identify whether a Roth conversion strategy during the early retirement years could reduce future tax liability, and ensure the spouse's business income is being captured efficiently for tax purposes.

This is a hypothetical example for illustrative purposes only. Individual results vary. Talley Wealth Management does not guarantee any specific outcomes.

What Sets Us Apart in Erwin

Fiduciary & Independent

We're legally required to act in your best interest, and we're not captive to any bank or insurance company.

Locally Rooted

We know Unicoi County, the local employers like Nuclear Fuel Services (BWXT) and Unicoi County Schools, and the community.

Tax + Investments Together

Most advisors don't do tax. We're a CFP® and Enrolled Agent — your plan and your return are coordinated.

Erwin Financial Planning FAQ

Our Services in Erwin

Every service is delivered with the same fiduciary commitment and local expertise.

What Erwin Area Clients Say

67 Five-Star Reviewson Google

"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

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.

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