Financial Advisor in Johnson City, TN
Build lasting, tax-smart wealth—right here in the Appalachian Highlands.
Who We Serve
Turn Profit into Personal Wealth
Convert business income into diversified, tax-efficient wealth—without starving growth or your eventual exit.
Grow More, Keep More
Advanced tax strategy, disciplined investing, and proactive planning—so a bigger share of your comp helps build your net worth.
Retire On Your Terms
Lock in lifetime income, right-size risk, and optimise Social Security & Medicare so you can enjoy more and worry less.
• Fiduciary Standard
• CFP® & EA Credentials
• 12 Years Serving Tri-Cities
• Transparent Flat-Fee or AUM Pricing
How We're Different From Other Johnson City Advisors
At Talley Financial, based in Johnson City, TN, we take a different approach to wealth management. Our process prioritizes
financial planning first—before investment decisions—so you get a
strategy tailored to your goals, not just a portfolio.
Strategies Over Products
We focus on delivering personalized financial guidance and actionable strategies—not selling financial products. Our value is in clear insights and strategic advice.
Dual Credentialed Tax & Wealth Expertise
With both CFP® and EA credentials, we uniquely combine proactive tax planning and personalized financial strategies, helping you optimize taxes, enhance growth, and confidently navigate every financial decision.
Relationship-Focused Fiduciary Advice
We don’t just manage money—we build long-term partnerships. As fiduciaries, our advice is always clearly aligned with your best interests, giving you clarity and confidence through every stage of your financial journey.
Why Johnson City Clients Need More Than “Cookie-Cutter” Advice
With a median household income of $55,429 and a median age of 35, Johnson City is growing about 1 % per year—faster than the national average. East Tennessee State University employs roughly 2,400 people, anchoring a diverse economy that spans healthcare, higher-ed and manufacturing. Housing costs sit 15 % below the U.S. norm, yet taxes on retirement assets and business income still surprise newcomers.  Our planning process translates these local advantages—and challenges—into personalised tax strategy, investment design and estate guidance for Johnson City families, professionals and entrepreneurs.
Pick the Areas You'd Like Us to Handle
Financial Planning
Learn MoreA personalized roadmap that turns goals into clear, time-stamped actions. We model “what-if” scenarios, prioritize the moves with the biggest impact, and coordinate taxes, investments, and estate pieces so the plan actually gets done. Reviews are scheduled at least annually—and whenever life throws a curve-ball.
Tax Strategy
Explore Tax StrategiesProactive planning to reduce surprises and identify opportunities. We don’t prepare tax returns—we help you make smarter tax decisions all year long. That means monitoring income flow, lining up deductions and credits at the right time, and coordinating with your CPA so nothing slips through the cracks. The goal: for the first time, you feel confident you’re on top of tax planning—knowing strategies to lower what you’ll owe and understanding exactly why each move makes sense.
Investment Management
See Our Investment ApproachYour portfolio is built to fund your plan, not chase headlines. We start with a clear goal for every dollar, own high-quality assets that outpace inflation, and control what can be controlled—costs, taxes, and behavior. Ongoing rebalancing and opportunistic tax-loss harvesting keep the allocation aligned as markets—and your life—shift.
Retirement Planning
Retire With ConfidenceTurning savings into a reliable paycheck takes more than a target date. We map tax-efficient withdrawal sequences, stress-test market downturns, and coordinate pensions or cash-balance plans so every account does the right job at the right time. The goal: give you total clarity on how much you can spend—and confidence the plan will hold up under pressure.
Estate Planning
Protect Your LegacyYour estate documents move from idea to signed reality—never stuck as “good intentions.” Through our advisor-guided platform we walk you from clarifying wishes to legally binding paperwork—wills, POAs, health directives, even trusts when appropriate. Then we align titles, beneficiaries, and account registrations. If extra complexity arises, we loop in an attorney. The result: a plan that works, not just exists.
Business Strategy
Strategies for OwnersYour business is often your largest asset—and the engine of your personal wealth. We design tax-smart entity structures, disciplined cash-flow systems, and strategic growth milestones that keep value compounding. When an exit is on the horizon, we model options and timing so the transition preserves both equity and your long-term goals.
Every relationship looks a little different. Some people start with just one of these areas. Most eventually touch all of them.
Curious about cost? See our planning fees →
Meet David Talley, CFP®, EA
Your Guide to Financial Clarity
I started Talley Wealth to help successful people simplify complex financial lives. Whether you’re growing a business, planning an exit, or preparing for retirement, you deserve clear, proactive advice— not more noise or generic planning.
Every client journey begins with a simple conversation to see if we’re a good fit. No pressure. No sales pitch. Just clarity.
How We Work Together
1.
Explore Call (15 min): A short, no-pressure conversation to learn what’s going on and confirm we’re a good fit. No prep needed.
2. Strategy Session (60 min): We dig deeper, highlight the two or three highest-value opportunities, and answer your key questions. Preparation for this meeting is normally $750 (waived for qualified households).
Afterward you’ll receive a concise Strategy Overview summarizing those opportunities and outlining next-step options.
3. Put Your Opportunities to Work, Together: If you’d like our help turning your opportunities into results, we roll up our sleeves and keep everything on track. If the timing isn’t right, you’ll still leave with clarity, direction, and a few actionable ideas to use on your own.
What Our Johnson City Clients Say About Working With Us
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“I was referred to David by a coworker, and I’m so glad I decided to work with him. From the start, he took the time to understand my financial goals and created a personalized plan to help me reach them. He’s patient, always takes the time to answer my questions, and truly wants to educate his clients so they feel comfortable and informed. His professionalism, knowledge, and approachable demeanor really set him apart. I feel confident about my financial future thanks to his guidance—highly recommend!”
- Julia Williams, Johnson City Resident
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“David Talley goes above and beyond for his clients. From the very first meeting, I knew I was in good hands. Highly recommend!”
- Juan Diaz, Johnson City Resident
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“We have been very pleased with the service we have received with David and his team. They have a broad range of knowledge and are tailoring our plan to our comfort levels. It has taken us a long time to find someone we trust to advise us with our money. I feel confident you will appreciate David’s way of explaining your options, ideas for growth and his ability to see “down the road”. And yes- his whole staff is very, very personable. Really nice people who know what they're doing.”
- Gentry Hogan, Johnson City Resident
This testimonial is based upon an individual client experience and may not be representative of the experience of other customers and should not be considered a guarantee or indication of future performance or success.
Please see our Google page for more reviews
Frequently Asked Questions
Q1. How much does a financial advisor cost in Johnson City, TN?
See Real-World ExamplesMost first-year clients pay a flat fee between $3,000 and $9,500, depending on complexity (multiple businesses, real-estate holdings, advanced tax work, etc.). The engagement runs 12 months and includes a personalised roadmap and ongoing implementation support. pricing is quoted up front in writing; there are no commissions or hidden product charges.
Q2. Do I really need a local advisor if I live in Johnson City?
Working with a Johnson City financial advisor means your plan reflects the area’s realities—no state income tax, the ETSU 403(b) platform, regional health-care costs, and property-tax rules in Washington and Carter counties. Virtual-only advisors can miss those nuances. That said, more than half our meetings happen over Zoom; you get face-to-face expertise when you want it and online convenience when you don’t.
Q3. How does Tennessee’s zero income tax affect Roth vs. Traditional decisions?
Tennessee exempts wages and pensions from state tax, yet federal taxes still apply. For Johnson City entrepreneurs and high earners, traditional 401(k) or SEP contributions can cut today’s federal bill, while Roth conversions during low-income years let growth come out tax-free later. We model both paths in your Strategy Session, factoring in Social Security, Medicare surtax thresholds, and potential future moves to states that do tax income.
Q4. I own a business—can you coordinate entity strategy and personal planning?
Yes. About a third of our Johnson City clients run S-corps, professional practices, or real-estate LLCs. We blend business cash-flow, salary vs. distribution mix, and retirement-plan design with personal goals like college funding or an exit timeline. Because David is both a CFP® and an Enrolled Agent (EA), tax projections and wealth strategy happen under one roof instead of in separate silos.
Q5. What’s the first step to see if Talley Financial is right for me?
Start with a 15-minute Intro Call—no cost, no paperwork. If we’re a fit, we schedule a Strategy Session where you receive three personalised action items: usually one tax move, one investment tweak, and one planning priority. After that, you decide whether to engage us for ongoing guidance. Either way, you leave the meeting with actionable next steps.
Ready to See How a Tailored Plan Feels?
Everyone begins with a quick 15-minute Explore Call.
Click below and you’ll land on our booking page, where you’ll see the simple 3-step process and choose a time that works for you.
No paperwork, no prep—just a quick conversation to see if we’re a fit.
Updated July 2025 • Written by David Talley, CFP®, EA
