Your Johnson City Financial Advisor
Why Work With a Local Financial Advisor?
Johnson City is growing — and so is the financial complexity for the people who live here. Whether you're a physician at Ballad Health, a professor at ETSU, or a business owner on State of Franklin Road, your financial plan should reflect your actual life here. At Talley Wealth, we're not a national call center. We're your neighbors. David Talley, CFP®, EA, has built this practice specifically to serve families in Johnson City and across the Tri-Cities.
What We Help Johnson City Clients With
- Retirement income planning & Roth conversion strategies
- Tax planning for Tennessee residents with multi-state income
- Investment management with a fiduciary standard
- Business succession and exit planning
- Estate planning coordination with local attorneys
- IRS resolution for back taxes or unfiled returns
A Physician Couple Navigating Dual Incomes and Student Loans
The Situation
A married couple — both physicians at Ballad Health — are earning strong combined income but carrying significant student loan balances from medical school. They're maximizing their 403(b) contributions but aren't sure whether to aggressively pay down loans, pursue Public Service Loan Forgiveness (PSLF), or focus on Roth conversions during a potential gap year.
How We Might Approach This
We might start by modeling the total cost of each student loan repayment path — PSLF, aggressive payoff, and refinancing — to identify which approach could align best with their timeline. From there, we'd coordinate Roth conversion opportunities with projected income changes, optimize their tax withholdings across both W-2s, and ensure their benefit elections are working together rather than overlapping.
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 Johnson City
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 Washington County, the local employers like Ballad Health and ETSU, 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.
Johnson City Financial Planning FAQ
Our Services in Johnson City
Every service is delivered with the same fiduciary commitment and local expertise.
Also Serving Nearby Communities
What Johnson City Area Clients Say
"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.
Ready to Talk?
Schedule a free 15-minute Explore Call. No preparation needed — just an honest conversation about what's on your mind financially.