Total Financial Management, LLC

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Client assets under management

$89,777,773

Clients

184

12% high-net-worth

Advisors

of 2 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

High

Average account size

$487,923

About

Total Financial Management, LLC provides investment management, financial planning, and retirement-plan advisory services to individuals (including high‑net‑worth clients), trusts, estates, charitable organizations, retirement plans and businesses. The firm offers both discretionary and non‑discretionary portfolio management, standalone or bundled financial planning, and insurance consulting services.

TFM typically constructs diversified portfolios that emphasize ETFs, individual stocks and bonds, and seeks tax efficiency through long‑term positioning while using fundamental, technical, charting and cyclical analysis; it documents strategies in Investment Policy Statements and may engage sub‑advisors for day‑to‑day management. The firm monitors accounts continuously, permits client‑specified investment restrictions, and will rebalance or trade shorter‑term when needed to meet cash, tax, or risk objectives.

What distinguishes the firm from many peers is its combination of advisory services with an affiliated public accounting practice (the accounting practice consumes roughly half of the principal’s time) and an insurance‑consulting relationship with DPL Financial Partners and The Leaders Group. TFM also provides ERISA retirement‑plan fiduciary services (including ERISA 3(21)/3(38) investment oversight and benchmarking), a mix of capabilities that is less common among similarly sized supported adviser firms.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers

Expertise

General retirement planning Income planning Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) General tax planning

Occupation focus

Founder/Business Owner Retired Educators, Teachers, and Academics

Fee options

Percentage

$0 - $1,000,000: 1.25% annually $1,000,001 - $3,000,000: 0.80% annually $3,000,001+: 0.60% annually

Project-based

Financial planning fees range from $100 to $500 per hour

Other

Account minimum: $2,500 minimum annual fee Minimum fee: $2,500 minimum annual fee, may be negotiable or reduced at Advisor's discretion Fee-only: Investment advisory fees, financial planning fees charged hourly ($100 to $500 per hour, minimum $350, max generally $5,000)

Main office location

Total Financial Management, LLC

207 South Main Street

Poland OH 44514, United States

Number of offices

Most active in

Ohio · Pennsylvania · Texas

Disclosures

Business activities & affiliations

Is active or affiliated with:

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

LinkedIn Website (330) 707-1919

Advisors at this firm

Jackie D

Series 65

Poland, OH

Total Financial Management, LLC

Jackie Dierickx is a financial advisor at Total Financial Management, LLC, holding a Series 65 designation and beginning her advisory career in 2024. Prior to entering the financial industry, she worked in education and corporate roles from 2015 to 2023. Total Financial Management, LLC is an independent, single-advisor registered investment adviser serving individuals, high-net-worth clients, trusts, estates, charitable organizations, retirement plans, and businesses. The firm offers discretionary and non-discretionary portfolio management, comprehensive financial planning, retirement-plan advisory services, and insurance consulting, with a focus on customized, tax-conscious portfolios and integrated tax, accounting, and insurance advice.

General retirement planning Income planning Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) General tax planning Founder/Business Owner Retired Educators, Teachers, and Academics

Joseph D

CFP®, PFS™

Poland, OH

Total Financial Management, LLC

Joseph De Pascale is a CFP® and PFS™ credentialed advisor with eight years of industry experience. He is the principal of Total Financial Management, LLC, an independent, single-advisor registered investment adviser based in Poland, Ohio. Prior to founding Total Financial Management in 2017, he worked at Farmers Trust Company from 2011 to 2017 and has been involved with CMFS & Associates, LLC, an Ohio-based public accounting firm he owns, since 1993. Total Financial Management serves individuals, high-net-worth clients, trusts, estates, charitable organizations, retirement plans, and businesses with customized portfolio management and comprehensive financial planning. The firm emphasizes a long-term, tax-conscious investment approach and offers integrated tax, accounting, and insurance advice through its affiliations with a public accounting practice and a third-party insurance consulting platform.

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