Talley Wealth

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Talley Wealth Financial planning · Tax strategy · Investment management
Serving entrepreneurs, executives & pre-retirees across the Appalachian Highlands.

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer member FINRA/SIPC. Advisory services through Cambridge Investment Research Advisors, Inc., a Registered. Investment Adviser. Cambridge and Talley Financial are not affiliated. Content provided via links to third party sites should not be considered endorsement of third party content. We make no representation as to the completeness or accuracy of information provided at the websites. Financial Professionals may only conduct business with residents of the states or jurisdictions in which they are properly registered, licensed or exempt from registration and not all of the securities, products and services mentioned are available in every state or jurisdiction.

10/17/2026

Several retirement tax rules turn on exact income thresholds. A conversion sized without them in view can cross one by a small amount and change the year's bill.

10/16/2026

Picture two ATMs in your house, printing money every month once you're both on Social Security. One prints a bigger check, one prints a smaller one. When either of you passes away, the smaller ATM breaks and the larger one keeps going. That's why it's worth making one of your Social Security checks as large as you possibly can.

10/15/2026

Retirement money works best when every dollar has a job.

While you're working, what you save goes into long-term money and grows. As retirement gets closer, some of that growth moves down the line, a little at a time, until three silos are built: one that pays you every month, one that refills it, and one that keeps growing.

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10/15/2026

I think about a client from early in my career. She lived to 108, in Italy I believe, with a b**r a day and a pack of ci******es a day, and she'd started her pension around 55. She ended up collecting it for more than fifty years. The single life option pays the most if you live a long time, so it only makes sense once you're honest about how long you expect to be around.

10/14/2026

Moving states does not apply the old state's rate to every dollar you have. Which income is taxed, and where, is the question that matters.

So often, retirement planning is about giving someone permission to spend.We work through the numbers and figure out how...
10/13/2026

So often, retirement planning is about giving someone permission to spend.

We work through the numbers and figure out how much room they actually have. Sometimes that means they can take the trip they’ve been putting off, buy their wife that slightly ridiculous thing she’d love, or get the whole family together while everyone can still enjoy it.

After years of saving and being careful, it can be hard to give yourself permission to do those things. Seeing what you can afford helps.

Honestly, that’s one of the most rewarding and fun parts of my job.

10/13/2026

When people retire, they usually want to retreat into safety, and for a lot of people that makes real sense. The trouble is some retreat further than they actually need to. Turning that dial up just a little, while staying just as comfortable, is worth being precise about. Risk tolerance sounds like a compliance thing and gets eye-rolled at because of it, but in my experience it's a much bigger deal than that.

10/07/2026

The back-of-the-envelope number for moving to a no-income-tax state rarely survives the full picture. Here is what the simple math leaves out.

Educational only. Not individualized financial, tax, or investment advice.

10/04/2026

A pension that was taxed by your old state is not taxed by Tennessee. What that does and does not change about the rest of your plan.

Educational only. Not individualized financial, tax, or investment advice.

09/23/2026

Here's something that surprises a lot of people getting close to retirement: retiring and claiming Social Security are not the same decision.

You can retire at 62 and choose to claim any time between then and age 70. 63, 64, 65, even 64 and three months. It's your call, based on your own numbers.

This is a decision worth getting right. We talk through it with clients all the time.

Educational only. Not individualized financial, tax, or investment advice.

Address

203 Broyles Drive Ste 301A
Johnson City, TN
37601

Opening Hours

Monday 8:30am - 5:30am
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 3pm

Telephone

+14236170160

Website

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