Business Details
30 Years
experience
Your Trusted Partner for Comprehensive Financial Planning
For 25 years, TSW Wealth Management has dedicated itself to helping clients achieve their financial goals with unwavering commitment to fiduciary standards. As an independent Registered Investment Advisor, we prioritize clients' best interests through personalized retirement planning, wealth management, and financial advisory services. Our expertise spans tax-efficient distributions, estate planning coordination, and charitable giving strategies, tailored to affluent individuals and families navigating pre-retirement and retirement phases. With a focus on asset allocation, diversification, and risk management, we blend passive and active investment approaches using ETFs, mutual funds, and alternative investments.Our boutique firm combines institutional capabilities with personalized service, ensuring direct access to advisors and client service teams. Backed by decades of combined experience, including Certified Financial Planners and industry recognitions like Five Star Wealth Manager awards, we foster lasting relationships grounded in transparency and client-centric solutions.
Services
Retirement Planning
Wealth Management
Financial Planning
Tax Coordination
Estate Planning
Charitable Giving
Portfolio Management
Investment Advisory
Risk Management
Retirement Income Planning
Details
- Year established: 1996
Highlights and features
- We operate under a fiduciary standard, legally obligated to act in your best interest
- 25+ years of combined experience in retirement-specific financial planning
- Personalized portfolio management blending passive and active investment strategies
- Certified Financial Planners with specialized credentials in tax and estate planning
- Quarterly performance reporting with transparent benchmark comparisons
Associations and certifications
- Certified Financial Planner Board of Standards
What people say
Fiduciary focus
Personalized service
Expert retirement guidance
Transparent communication
Proactive planning
Services
Retirement Planning
We create customized retirement plans focusing on sustainable income streams, tax-efficient distributions, and estate protection. Our three-pillar approach addresses withdrawal rate monitoring, Social Security optimization, and healthcare cost budgeting while aligning portfolio risk tolerance with retirement timelines. Clients receive scenario analysis to adapt plans for changing life circumstances.
Wealth Management
Our discretionary portfolio management combines passive indexing with active institutional funds and alternatives. Using modern portfolio theory principles, we implement strategic asset allocation, regular rebalancing, and risk management techniques tailored to individual goals. Quarterly performance reports track progress against benchmarks with detailed allocation breakdowns.
Financial Planning
Comprehensive financial planning coordinates investment strategies with life goals for pre-retirees and retirees. We analyze cash flow projections, tax implications, and legacy planning while integrating estate documents. Our process includes data-driven recommendations for mortgage refinancing, trust updates, and intergenerational wealth transfer strategies.
Tax Coordination
We optimize tax efficiency through strategic contribution and withdrawal planning while collaborating with external CPAs and attorneys. Our approach includes Roth conversion analysis, required minimum distribution planning, and coordination of investment strategies with clients' overall tax positions.
Charitable Giving
Leveraging Donor Advised Funds and appreciated assets, we help clients maximize charitable impact while optimizing tax benefits. Our strategies integrate philanthropy into overall wealth transfer plans, balancing personal values with financial efficiency for long-term giving objectives.
People
Terry B. Wells
Managing Principal
With 30+ years in financial services since 1991, Terry founded TSW Wealth Management in 1996 after working at major accounting firms. Holding CFP, ChFC, and CLU designations, he focuses on retirement planning and has been named a Five Star Wealth Manager. He prioritizes fiduciary responsibility and family business continuity.
Sarah A. Wells
Principal
A CFP professional with 12+ years at TSW, Sarah specializes in retirement planning for pre-retirees. She holds a Business Administration degree from Bucknell University and completed Boston University's Financial Planning Program. Recognized as a Five Star Wealth Manager, she focuses on client education and intergenerational wealth strategies.
Questions
What retirement planning services do you offer?
We provide comprehensive retirement planning including income strategy development, tax-efficient distribution planning, Social Security optimization, and estate protection tailored to individual risk tolerance and life goals.
Are you legally required to act in my best interest?
Yes, as a Registered Investment Advisor firm, we operate under strict fiduciary standards requiring us to always prioritize client interests in all financial recommendations.
How do you handle investment management?
We use discretionary portfolio management combining ETFs, institutional mutual funds, and alternatives, applying modern portfolio theory principles with regular rebalancing and risk management adjustments.
What qualifications do your advisors hold?
Our team includes Certified Financial Planners with additional credentials like ChFC and CLU, maintaining memberships in professional organizations such as the Financial Planning Association.
How often do you review financial plans?
We conduct quarterly performance reviews and annual comprehensive plan assessments, with additional meetings available for significant life changes or market events affecting portfolio objectives.
