Business Details
30 Years
experience
Your Trusted Partner for Comprehensive Financial Planning
For over 25 years, TSW Wealth Management has dedicated itself to helping clients achieve their financial goals with integrity and expertise. As a Registered Investment Advisor (RIA), we uphold a fiduciary standard, prioritizing our clients' best interests in every decision. Our personalized approach combines retirement planning, wealth management, and tax-efficient strategies to create tailored solutions for affluent individuals and families. With a focus on asset allocation, diversification, and risk management, we empower clients to navigate financial milestones with confidence. Our boutique firm blends institutional-grade resources with the personalized service of a close-knit team, ensuring every client receives direct access to advisors who understand their unique needs.Backed by certifications such as Certified Financial Planner (CFP) and Chartered Financial Consultant (ChFC), we deliver objective advice rooted in decades of combined experience. From pre-retirees to retirees, we guide clients through life's financial transitions, emphasizing long-term stability and generational wealth transfer. Our commitment to transparency, education, and client empowerment has solidified our reputation as trusted partners in financial planning.
Services
Retirement Planning
Wealth Management
Financial Planning
Tax Coordination
Estate Planning
Charitable Giving
Portfolio Management
Risk Assessment
Investment Strategy
Client Education
Details
- Year established: 1996
Highlights and features
- We uphold a fiduciary duty to act in your best interest at all times
- Our advisors hold advanced certifications including CFP and ChFC designations
- 25+ years of experience guiding clients through complex financial transitions
- Personalized investment strategies blending passive and active management techniques
- Direct access to advisors with no automated phone systems or call routing
Associations and certifications
- Certified Financial Planner (CFP)
- Registered Investment Advisor (RIA)
Services
Retirement Planning
Our retirement planning service creates customized strategies to help clients transition smoothly into retirement. We analyze Social Security optimization, Medicare planning, and sustainable withdrawal rates to ensure financial security. By coordinating tax-efficient distributions and estate planning considerations, we help clients maintain their desired lifestyle while preserving wealth for future generations.
Wealth Management
Our discretionary wealth management service combines passive index funds with active institutional investments to build diversified portfolios. We employ asset allocation and rebalancing strategies tailored to individual risk tolerance levels. Ongoing monitoring ensures portfolios remain aligned with clients' evolving financial goals and market conditions.
Financial Planning
We develop multi-faceted financial plans that coordinate investment strategies with life goals for clients still accumulating wealth. Our approach integrates retirement projections, tax planning, and risk management to create roadmaps for achieving financial milestones. Regular updates ensure plans remain relevant through life's changes.
Tax Coordination
Our tax coordination service optimizes investment contributions and withdrawals to minimize tax liabilities. We work with clients' existing tax professionals to implement strategies that enhance after-tax returns. This includes analyzing Roth conversions, required minimum distributions, and charitable giving vehicles.
Estate Planning
We help clients establish estate plans that ensure proper wealth transfer to beneficiaries. Our approach coordinates with legal and tax professionals to implement trusts, beneficiary designations, and gifting strategies. We focus on minimizing estate taxes while preserving family wealth across generations.
People
Terry B. Wells
Managing Principal
With over 30 years in financial services, Terry founded TSW Wealth Management in 1996 after working as a CPA at major accounting firms. Holding CFP, ChFC, and CLU designations, he specializes in retirement planning and has been recognized as a Five Star Wealth Manager. Terry focuses on building lasting client relationships while maintaining fiduciary standards.
Sarah A. Wells
Principal
Sarah has served as a financial advisor at TSW Wealth Management for over 12 years, earning her CFP designation and becoming a Principal. With a background in international business insurance, she specializes in helping clients prepare for retirement while balancing current financial needs. Recognized as a Five Star Wealth Manager, she continues the family commitment to financial excellence.
Questions
What makes TSW Wealth Management different from other financial advisors?
As a fiduciary Registered Investment Advisor, we prioritize your best interests without product sales incentives. Our boutique firm offers direct access to experienced CFP professionals who provide objective advice tailored to your unique financial situation.
How do you help clients with retirement income planning?
We analyze sustainable withdrawal rates, coordinate tax-efficient distributions, and optimize Social Security benefits to create personalized retirement income strategies that help maintain your desired lifestyle throughout retirement.
What investment approach do you use?
We combine passive index funds with active institutional investments to create diversified portfolios tailored to your risk tolerance. Our approach emphasizes asset allocation, rebalancing, and cost-effective strategies to enhance long-term returns.
How often do you review investment portfolios?
We provide quarterly performance reports and schedule regular review meetings to assess portfolio performance. We also offer ongoing monitoring and adjustments as needed to maintain alignment with your financial goals and changing market conditions.
Can you help with estate planning coordination?
Yes, we work with your existing legal and tax professionals to develop comprehensive estate plans that ensure proper wealth transfer while minimizing tax implications for your beneficiaries.
What technology tools do you provide clients?
Clients receive access to our Client Portal, mobile app for investment tracking, and Everplans for organizing financial and estate planning documents securely online.
