Business Details
37 Years
experience
Your Trusted Partner for Comprehensive Financial Planning Solutions
Total Wealth Planning has served as a trusted partner in personal and business decision-making for over 35 years. Our fee-only financial planning firm prioritizes unbiased advice, focusing exclusively on clients' best interests without product sales or commissions. We offer comprehensive services that integrate financial, investment, tax, and estate planning with life goals, ensuring clients maintain long-term financial security. Our team of 19 professionals, including certified financial planners and tax specialists, serves 743 client households managing $1.2 billion in assets.We operate from Cincinnati, OH, and Carmel, IN, working with clients nationwide through virtual platforms. Our core values of collaboration, leadership, innovation, excellence, nurturing, and transparency guide every client interaction. Recognized by industry publications and local business communities, we maintain a fiduciary standard while providing personalized attention through a locally-owned, independent structure.
Services
Financial Planning
College Planning
Insurance Planning
Tax Planning
Estate Planning
Investment Management
Business Planning
Retirement Planning
Details
- Year established: 1989
Highlights and features
- We provide comprehensive financial planning with over 35 years of industry experience
- Our fee-only fiduciary approach ensures unbiased, conflict-free financial advice
- We offer personalized wealth management solutions tailored to individual life goals
- Our team includes certified financial planners and tax specialists with diverse expertise
- We maintain a local presence while offering nationwide virtual financial services
What people say
Top financial advisory firms
Best workplaces recognition
Award-winning stock selection
Trusted fiduciary partners
Comprehensive wealth management
Services
Financial Planning
Our certified financial planners create comprehensive strategies that integrate investment management, retirement planning, and tax optimization. We analyze clients' complete financial situations to develop personalized roadmaps for achieving short- and long-term goals. Our fiduciary approach ensures recommendations always prioritize clients' best interests while maintaining transparency throughout the planning process.
Investment Management
We implement evidence-based investment strategies grounded in Nobel Prize-winning Modern Portfolio Theory. Our approach focuses on diversified asset allocation, tax-efficient positioning, and opportunistic profit-taking while managing downside risk. Regular portfolio reviews ensure alignment with clients' evolving financial objectives and market conditions through both discretionary and non-discretionary management options.
Retirement Planning
Our retirement specialists help clients determine optimal retirement timelines and sustainable withdrawal strategies. We analyze Social Security optimization, pension considerations, and required minimum distributions while coordinating with estate planning objectives. The comprehensive approach ensures clients maintain their desired lifestyle throughout retirement while minimizing tax liabilities and sequence-of-returns risk.
Tax Planning
We develop proactive tax strategies that integrate with overall financial planning objectives. Our team specializes in tax-loss harvesting, asset location optimization, and income deferral techniques while coordinating with clients' accounting professionals. The approach focuses on minimizing lifetime tax burdens through strategic timing of capital gains realization and tax-advantaged investment positioning.
Estate Planning
Our estate planning specialists coordinate with legal counsel to create customized wealth transfer strategies. We help implement wills, trusts, and advanced directives while addressing federal estate tax considerations. The process ensures proper asset titling and beneficiary designations to execute clients' wishes efficiently while minimizing administrative burdens for heirs.
People
Rob Siegmann
Principal & Chief Operating Officer
Rob Siegmann brings extensive financial industry experience to Total Wealth Planning. As COO, he oversees daily operations while maintaining active client relationships. Recognized as one of Ohio's 500 most influential executives, Rob ensures the firm maintains its fiduciary standards and client-focused approach.
David D. Wilder
Principal & Chief Investment Officer
David Wilder, a certified financial planner with multiple advanced credentials, leads Total Wealth Planning's investment strategy. With over 30 years of experience, he has been recognized as one of Bloomberg Business Week's top 50 most experienced advisors, developing evidence-based investment approaches for clients.
Dawn Morley
Vice President & Wealth Advisor
Dawn Morley provides comprehensive wealth advisory services to individuals and families. Her MBA and financial planning expertise help clients navigate complex financial decisions. Dawn contributes to the firm's educational initiatives while maintaining active client relationships in the Carmel office.
Rob Lemmons
Principal & Senior Wealth Advisor
Rob Lemmons combines his CPA and financial planning credentials to deliver integrated wealth management solutions. As a principal advisor, he focuses on tax-efficient planning strategies and serves as a trusted resource for clients navigating complex financial transitions.
Amelia West
Senior Wealth Advisor & Carmel Office Leader
Amelia West leads the Carmel, IN office while providing senior advisory services to clients. Her certified financial planner designation and local market expertise help clients achieve financial security through personalized planning strategies tailored to their unique circumstances.
Questions
What distinguishes Total Wealth Planning from other financial advisors?
We offer comprehensive wealth management beyond investment management, focusing on personal decision-making guidance while maintaining a fiduciary standard with no product sales or commissions.
What credentials does your team hold?
Our team includes Certified Financial Planners, Certified Tax Specialists, Certified Public Accountants, and other advanced designations ensuring comprehensive financial expertise.
How do you work with non-local clients?
We use secure virtual meeting platforms and digital document sharing to serve clients nationwide while maintaining personalized service and regular communication.
What is your investment philosophy?
Our approach combines Nobel Prize-winning Modern Portfolio Theory with tax-efficient strategies, focusing on diversified asset allocation and opportunistic profit-taking tailored to individual goals.
How are client assets protected?
Client assets are held with independent custodians like Charles Schwab, protected by SIPC insurance and additional coverage, with no direct access to client funds by our firm.
What minimum account size is required?
Our services typically start at $250,000 in investable assets, with flexible options available for clients at different life stages and financial situations.
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