Financial Advisor in Kingsport, TN
Build lasting, tax-smart wealth—right here in the Mountain Empire.
Who We Serve
Retire On Your Terms
Lock in lifetime income, right-size risk, and optimise Social Security & Medicare so you can enjoy more and worry less.
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.
• Fiduciary Standard
• CFP® & EA Credentials
• 12 Years Serving Tri-Cities
• Transparent Flat-Fee or AUM Pricing
How We're Different From Other Kingsport Advisors
Planning comes first—before portfolios—so every move begins with your goals and ends with clear, tax-smart action.
Strategies Over Products
You’ll get personalised guidance and actionable steps—never a push toward proprietary funds or insurance commissions. Value lies in insight and implementation, not product sales.
Dual Credentialed Tax & Wealth Expertise
With both CFP® and EA credentials, we integrate proactive tax planning with long-term wealth strategy, helping you keep more, grow more, and navigate every financial decision with confidence.
Relationship-Focused Fiduciary Advice
We build long-term partnerships. As fiduciaries, our advice is aligned solely with your best interests, giving clarity and confidence through every stage of your financial journey.
Why Kingsport Residents Need More Than “Cookie-Cutter” Advice
Kingsport’s median household income of $45,991 and average age of 43 make it the seasoned sibling of the Tri-Cities. A steady mix of healthcare, manufacturing, and small-business ownership provides opportunity—but also complex 401(k) rollovers, pension elections, and closely held stock decisions. Housing costs sit about 20 % below the U.S. average, yet rising property-tax appraisals can surprise long-time residents. Our planning process turns these local factors into personalised tax strategy, investment design, and estate guidance for Kingsport families, professionals, and business owners.
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 Kingsport Financial Advisor
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 Kingsport Clients Say About Working With Us
⭐⭐⭐⭐⭐
"David and his staff have been great to work with. This last year is when I engaged him. The process he walked through to get to know me was a comfort. Understanding who I am, where I’ve been and where I want to go requires more than just reviewing financial information and he worked to learn. His staff has been outstanding in communication. I would recommend Talley Financial."
- Morris Baker, Kingsport Resident
⭐⭐⭐⭐⭐
“David meets you where you’re at financially and creates the best gameplan for each individual to meet their goals. I couldn’t be more happy to work with David and his team. They are truly the best in the business.”
- Brent Davenport
⭐⭐⭐⭐⭐
“Working with David and his team has been a great experience. They do a really good job of helping you understand where you stand and what it will take to help you achieve your financial goals. They explain financial terms in a way where you can understand them. They help you make important decisions about your finances and your future and don’t pressure you into making those decisions. They are as personable as they are professional.”
- Brandon Sneed, Kingsport 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 Kingsport, 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 Kingsport?
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
