Financial Life Planning and Investment Management
At TFS, we value these three things above all: Faith, Family, and your Finances.
Bryce D.Turrentine, CFP®
Owner/Founder
When starting TFS, I knew I wanted to base my business around 3 things: Faith, Family, and your Finances.
In the Bible, there are over 2000 scriptures about finances and many more about taking care of your family. As a Christian, I believe that shouldn't be ignored.
As a Certified Financial Planner ™, I am subject to the Fiduciary standard which means I have to act in my clients best interest at all times. I am also a fee-only advisor so I only get paid from my clients. That means no hidden fees, kickbacks, commissions, or incentives to sell you products that aren't optimal for your situation.
My Mission
At TFS, my mission is to help people focus on what is most important to them. That often means helping my clients take care of their spouse and family during their time on this Earth, and after they are gone. It often means helping my clients to align their finances with their values and beliefs. It often means helping my clients achieve their lifelong goals. None of which do I take lightly!
Who We Help
Retirees and those near Retirement
As retirement nears, it can be both exciting and intimidating. “Can I afford to retire?” or “What will my retirement look like?" are just a couple of the questions we can help with before you take the big leap. For those in retirement, just a few of the many things we help with is to help optimize your income, help reduce taxes, and overall help you make the most of your one and only retirement.
Mid-Career Professionals and Business Owners
Those in their 30s and 40s can be thought of as being in the "Messy-Middle". Education planning, running a business, big purchasing decisions, all while trying to plan for the future. It can be overwhelming! I help busy individuals get/stay on track, gain clarity of their financial situation, and bring them financial peace in this demanding stage of their lives so that they will have less to worry about.
Personality Types of those we help:
Collaborators/Delagators- People who value other professionals so they can buy themselves more time to do what they value most.
Individuals who value putting money away- AKA "Savers". You appreciate planning ahead. You've saved a respectable nest egg and want to make sure you put that money to its best use.
Good People-This might sound cliché, but we like to work with genuinely good people with whom we share a mutual respect.
What We Do
Comprehensive Financial Planning
Good financial planning is a process, not a one-time event. As life changes, so will your financial plans, goals, and priorities. We work with you in a collaborative approach to create a financial strategy tailored to your specific needs. We provide clarity, ongoing advice, and an accountability partner to keep you on track as you tackle debt, reduce taxes, and make smart decisions to grow your wealth.
Your progress is something we continually monitor and we adjust your plan as needed. By working with a fee-only CERTIFIED FINANCIAL PLANNER™ professional you can rest easy knowing you’re receiving unbiased and objective advice.
Our
Story
Investment Management
We believe that markets are largely efficient so rather than trying to beat the markets we use the power of the markets to let the market work for you. We look to build well-diversified portfolios with mainly low-cost institutional mutual funds and exchange-traded funds. Before we invest funds on your behalf, we will review your goals, risk tolerance, time horizon, tax considerations, income needs, and any unique needs that you might have.
The goal defers from trying to beat the market to focus on the things we can control such as fees, taxes, liquidity, and exposures to risk.
Hourly Financial Consulting
This service is for those who don't want full scale comprehensive financial planning. It allows you to seek advice on a specific topic or situation for an hourly rate. An example could be engaging us for a second opinion on their portfolio and advice on key financial decisions like retirement, social security filing, pensions, and tax planning for retirement income distributions. Our advice is highly personalized for each individual’s situation.
Pricing for our Services
Comprehensive Financial Planning
Price: Ranges from 1.00-1.50% AUM or are also available to clients with no managed assets at a montlhy fee of 200-400$ depending on complexity
This service is for clients who have 120K or more in assets under our management or pay a monthly fee. It includes:
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A Financial Plan
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Investment Management
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Financial Coaching
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Tax Planning
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Tax Preparation (optional)
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Retirement Planning
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Business Planning
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Insurance/Risk Management
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Estate Planning
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Goal Planning
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Education Planning
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Cash Flow/Debt Management
Investment Management
Price: 1.75% for AUM less than 120k
This service is included for comprehensive financial planning clients (>120k AUM). Below that, assets are charged at 1.75% AUM. This service includes:
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Personalized Portfolios
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Low cost investments
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Tax-Efficient investments
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Rebalancing
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Tax Loss Harvesting
Financial Consulting
Price: $200/hour
This service is for those who want financial planning in a limited scope who are looking to address a specific issue or situation. This may include:
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401k/Retirement Plan Review
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Debt Management
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Financial Coaching
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Social Security Optimization
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Retirement Planning
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Business Coaching
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etc.
Contact Us
We provide several options for you to reach out to us:
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Schedule a 15-minute introductory meeting below to the left
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E-mail us anytime with the form below to the right
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Call or text 918-735-0075 anytime
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Call or text 918-735-0075 to set up an in-person meeting
We look forward to hearing from you!