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Total Wealth Planning and Management
Total Wealth Planning and Management was established in 2012 in St. Johns, Florida, positioning itself as a fiduciary financial planning and investment...
Total Wealth Planning and Management
Total Wealth Planning and Management was established in 2012 in St. Johns, Florida, positioning itself as a fiduciary financial planning and investment advisory practice. The firm serves a cross-section of clients including high-net-worth individuals, pension and profit-sharing plans, trusts, estates, and charitable organizations. Its founding story and lead principals remain out of public view, consistent with a boutique practice built on local relationships rather than national marketing. The firm structures its advisory services around individualized financial planning — integrating retirement income strategies, tax-aware portfolio construction, and asset-allocation design. While it does not publish specific allocation targets or named strategic partners, its regulatory posture as a registered investment adviser (RIA) requires a fiduciary standard for every client account. That obligation shapes a process typically spanning equities, fixed income, and pooled investment vehicles, implemented through separately managed accounts and model portfolios. The geographic focus is Florida-first, though the firm's registration permits multi-state client relationships. As a lean advisory shop, Total Wealth Planning and Management has not disclosed headcount or aggregate assets under management. It operates from a single recorded location in St. Johns without publicly announced satellite offices or adjacent wealth-management vehicles. The absence of a visible institutional brand — no reported fund launches, no acquisition history, no press coverage of growth milestones — reflects either a deliberately low profile or a practice that remains firmly sub-scale by industry benchmarks. The defining structural feature is simplicity: a fiduciary RIA operating without venture-capital backing, external private-equity ownership, or a multi-family-office conversion strategy. For peers assessing counterparties, that means evaluating a pure advisory model that either sustains itself through durable local referral networks or remains at a size where succession risk is concentrated in one or two unnamed decision-makers.
General information
Firm type
Bank / Wealth / Trust
Year founded
2012
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Ponte Vedra Beach
Corporate office
St Johns, FL, United States
Frequently asked questions
How does Total Wealth Planning and Management navigate its fiduciary obligation?
As a registered investment adviser (RIA), the firm operates under a regulatory mandate to put client interests ahead of its own — a stricter standard than the suitability rule governing broker-dealers. This manifests in fee transparency, disclosure of conflicts, and best-execution obligations on trades. The firm's advisory agreements and Form ADV filings, which are public record, would detail compensation models and any disclosed conflicts.
What client segments does the firm serve?
Public records indicate the firm advises a diversified roster: individuals, high-net-worth individuals, pension and profit-sharing plans, trusts, estates, and charitable organizations. This mix suggests the firm handles both personal wealth accumulation and institutional fiduciary mandates, though it has not published client-concentration metrics or minimum-account thresholds.
Is Total Wealth Planning and Management affiliated with a broker-dealer or insurance company?
There is no public evidence of a parent broker-dealer, insurance general agency, or bank holding company affiliation. The firm's regulatory standing as an RIA suggests it operates without the proprietary-product incentives common in wirehouse or insurance-owned advisory practices, though a definitive conflict audit would require reviewing its Form ADV.
What is the firm's succession plan?
No succession plan has been publicly disclosed. For a 2012-founded firm that has not named its principals externally, this is the central governance question for any long-term advisory relationship. Typically, sub-scale RIA practices either transition to an internal heir, sell to an aggregator, or wind down — and the absence of disclosure leaves the path uncertain.
How does the firm construct portfolios?
Based on its advisory charter, Total Wealth Planning and Management designs portfolios across equities, fixed income, and pooled investment vehicles — tailoring asset allocation to each client's financial plan. It does not publish a house view, a tactical overlay, or a model-portfolio committee, so the specific investment engine remains a bespoke, advisor-driven process.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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