Our Services

When it comes to managing your finances, navigating the process alone can feel overwhelming as you strive to devise a solid plan. Seeking professional assistance is a wise choice, but it's crucial to ensure that you're consulting the right expert for your specific needs. Understanding the distinction between a financial advisor and a wealth advisor is essential. Wealth managers are a specialized type of financial advisor who cater to a specific clientele: individuals with a substantial net worth.

At T.M. Wealth Management, we work closely with clients to provide a comprehensive range of services tailored to their unique circumstances. Our offerings encompass investment management, financial planning, tax services, retirement planning, legal planning, philanthropic planning, and estate planning, among others. By conducting a thorough financial planning process, we assess your individual needs and tailor our services and advice accordingly. Here are some of the key services we provide:

Schedule Your Financial Roadmap Experience

Schedule Consultation

Retirement Planning

Efficient retirement planning demands knowing your priorities and committing to disciplined investing. Our guidance covers preparation, transition, and asset management.

Estate Planning

Partnering with seasoned estate planning attorneys, we aim to minimize estate and income taxes, probate fees, and legal expenses.

Tax Planning

Our goal is straightforward: to help you keep more of your money. With our expertise, we craft comprehensive tax plans, navigating the complexities of the tax code to your advantage.

Business Planning

We enhance your business's growth potential by managing or establishing retirement plans like 401(k)s, SEPs, IRAs, and Simple IRAs. Tax reduction strategies are integral to owner planning.

Asset Management

From insurance to stocks, bonds, real estate, and private equity, we evaluate your current holdings and suggest changes or alternatives to better align with your goals.

401(k) Management

Understanding your employee benefits, we optimize opportunities from now until retirement. We review and assess concerns such as stock options and IRA rollovers to ensure you maximize benefits.

Our Difference

Our founder understood that there is an important difference between a Wealth Advisor & a Financial Advisor. He began his career at a large financial institutions. The model at these institutions was quantity over quality. This meant the drive was to have more clients, more accounts, to generate more revenue.

This philosophy was not consistent with the value we want to deliver to each client. In early 2011 T.M. Wealth Management was founded with the primary focus of delivering value to clients through 3 key principles:

Independent.

At T.M. Wealth Management there are no shareholders, no corporate executives, and no proprietary products. The firm is designed to deliver value to clients, that’s it.

Boutique.

At the founder’s previous financial institutions the model was to have 1,000’s of client relationships and even more accounts. At T.M. Wealth Management the model is to make our clients 1 of a 100, not 1 of 1,000’s by limiting each advisor to no more than 100 clients. This gives each partner the time to dedicate to the full financial needs of each client.

Fiduciary.

It may sound silly but most financial professionals are not required to do what is in their clients best interests. As a Registered Investment Advisor (RIA) we are fiduciaries. We owe our clients a duty of undivided loyalty and utmost good faith. (From the Securities and Exchange Commission website: Investment Advisors Are Fiduciaries, www.SEC .gov)

The Financial Roadmap experience

Our Financial Road Map Process:

Our process provides you and your partner with a compelling vision of your future, empowering you to make the optimal choices to turn that vision into reality. Whether you've previously engaged in planning or not, our Financial Road Map process offers tremendous value.

Plus, it's complimentary!

Would you embark on constructing a house without a blueprint? Of course not.

Just winging it could lead to numerous complications. Yet, surprisingly, many individuals take a similar approach when planning for their financial futures. Our Financial Road Map Experience offers a comprehensive overview of your financial journey, delving into the emotional motivations ("why") behind your aspirations, identifying key objectives, and assessing your current financial standing.

Embrace a Purposeful Life

The Financial Road Map serves not only to provide perspective but also to continually inspire you in your pursuit of the quality of life you envision for yourself and your loved ones.

Step 1: What's Important About Money, To You?

We begin by helping you gain clarity on the impact you want your money to have on the people and causes you care about most.

Step 2: Make Meaningful Milestones

Set goals that are in alignment with your values that you identified in Step 1.

Step 3: Benchmark Your Current Financial Reality

To reach your destination, outlined in Steps 1 & 2, you have to clearly establish where you are now.

What We Do