Do you really know Southwest Virginia?

David Talley grew up in Bristol, VA, his grandparents were coal miners in Grundy, and his family roots run throughout the region. He played high school sports across SWVA and understands this community in a way that most advisors simply can't. This isn't a market he's targeting — it's a community he comes from.

Can you help with farm succession planning?

Yes. Farm and agricultural succession is one of our most important specialties. We work with SWVA families to develop transfer plans that keep the land in the family, provide retirement income for the senior generation, and treat all heirs fairly — often coordinating with local attorneys and CPAs.

Do you serve clients in Wytheville, Marion, and Wise?

Yes. We serve families throughout Southwest Virginia — including Wytheville, Marion, Grundy, Wise, Lebanon, and everywhere in between. Many of our SWVA clients meet with us virtually, and we're happy to arrange in-person meetings when needed.

Would I save money by retiring in Tennessee instead of Virginia?

For many SWVA families, yes. Virginia taxes retirement income — pensions, IRA withdrawals, and 401(k) distributions. Tennessee does not. If you're near the state line, relocating in retirement could save you thousands per year. We model both scenarios with your actual numbers.

I have back taxes or unfiled returns. Can you help?

As an Enrolled Agent, David is authorized to represent you before the IRS. We help SWVA families get caught up on unfiled returns, negotiate payment plans, and work toward resolving tax problems — often more effectively than trying to handle it alone.

Southwest Virginia, VA

Your Southwest Virginia Financial Advisor

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

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Panoramic view of the Great Channels and Appalachian mountains in Southwest Virginia

Why Work With a Local Financial Advisor?

Southwest Virginia is its own world — and David Talley knows it firsthand. His grandparents were coal miners in Grundy. He grew up in Bristol, played high school sports across the region, and his family roots run deep through the mountains from Lee County to Wytheville. He understands that financial planning in Southwest Virginia isn't just about retirement accounts — it's about transferring a farm to the next generation, navigating Virginia's income tax, and sometimes weighing whether to move retirement income to Tennessee where there's no state tax. People here don't need a slick advisor from a big city. They need someone who gets it — someone who grew up driving these same roads.

What We Help Southwest Virginia Clients With

Farm and agricultural succession planning
Multi-generational estate planning for SWVA families
Virginia income tax optimization and VA→TN relocation modeling
Business planning for I-81 corridor entrepreneurs
Retirement planning for rural professionals and farming families
IRS resolution for back taxes or unfiled returns

A Personal Note from David

These Are My Mountains Too

My grandparents were coal miners in Grundy, Virginia. I grew up in Bristol, played high school sports across Southwest Virginia, and spent summers on family land in the mountains. I know what it means to build something in this part of the world — and I know the people here don't need a flashy advisor from a big city. They need someone who understands that wealth out here often looks like 200 acres, a cattle operation, and a handshake deal from three generations ago. That's the kind of planning I was built for. Whether you're in Wytheville, Marion, Wise, or anywhere along the I-81 corridor, I'd be honored to help your family plan for what's next.

Hypothetical Scenario

A Wythe County Farmer Balancing Retirement and Farm Transfer

The Situation

A third-generation cattle farmer in Wythe County, age 60, wants to retire in the next 3–5 years. He needs to transfer 200 acres and the livestock operation to his son without triggering estate taxes or losing the agricultural property tax exemption — while also building enough personal retirement income to live comfortably.

How We Might Approach This

We might start by separating the farm's value from the family's personal retirement assets — determining how much the parents can live on without depending on farm income. Then we'd work with the family's attorney to evaluate transfer strategies — family limited partnership, installment sale to the son, or a combination of lifetime gifting and testamentary transfer. On the financial planning side, we'd build a retirement income projection that includes Social Security, off-farm savings, and a potential lease-back arrangement.

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 Southwest Virginia

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 Wythe, Smyth, Bland & surrounding counties, the local employers like Agriculture and farming operations and Wythe County Community Hospital, 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.

Southwest Virginia Financial Planning FAQ

Our Services in Southwest Virginia

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

What Southwest Virginia 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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