Total Financial Management, LLC

Total Financial Management, LLC is an independent, single-advisor registered investment adviser that serves individuals, high-net-worth clients, trusts, estates, charitable organizations, retirement plans and businesses. The firm provides discretionary and non-discretionary portfolio management, comprehensive financial planning, retirement-plan advisory services, and insurance consulting.

The firm constructs customized portfolios that commonly use ETFs, individual stocks and bonds and emphasizes a long-term, tax-conscious approach while permitting shorter-term trades for rebalancing or to meet client needs; investment objectives and risk tolerance are documented in an Investment Policy Statement and accounts are reviewed on a regular basis. TFM may engage sub‑advisors for day‑to‑day management and acts as a fiduciary for ERISA retirement accounts and IRAs, integrating tax and planning considerations into its oversight.

Compared with many solo independent RIAs, TFM is notable for its affiliations with a public accounting practice (the principal’s accounting practice represents roughly half of his professional time) and with a third‑party insurance consulting platform that provides access to fee‑based insurance products, enabling more integrated tax, accounting and insurance advice. The firm also offers a full suite of retirement‑plan services — including ERISA 3(21) investment oversight, ERISA 3(38) investment management, vendor analysis, benchmarking and ERISA 404(c) assistance — and serves corporate, pension/profit‑sharing and charitable clients, a client mix that is less common among peers of similar size.