Total Wealth Planning and Management

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.