Talley Financial

Talley Financial provides personalized financial planning and investment management to individuals (including high‑net‑worth clients), pension and profit‑sharing plans, trusts, estates, charitable organizations and small businesses, managing roughly $14.8 million across about 100 client accounts. Services described in the brochure include ongoing investment supervisory/asset management, retirement and estate planning, cash‑flow and education planning, and standalone financial plans.

The firm’s investment approach emphasizes strategic asset allocation using primarily no‑load or low‑load mutual funds and exchange‑traded funds with active fund selection and global diversification; portfolios may also include individual equities, bonds and other instruments. Accounts can be managed on a discretionary or non‑discretionary basis, trades are typically placed under a limited power of attorney, and the adviser conducts quarterly reviews and provides periodic performance reporting.

Noteworthy disclosures in the brochure include that the firm’s principal is a licensed insurance agent and may, if a client elects, implement insurance recommendations and receive customary commissions — a practice that the brochure separately discloses alongside language describing the firm as fee‑only. The principal also reports significant outside business activities as a managing member/officer of multiple real‑estate and operating entities, a set of affiliations the firm discloses as potential additional sources of conflict of interest.