# Total Wealth Planning and Management

Total Wealth Planning and Management is a Bank / Wealth / Trust based in Ponte Vedra Beach, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Ponte Vedra Beach, United States
- **Region:** North America
- **Address:** St Johns, FL, United States
- **Founded:** 2012
- **Assets under management:** Undisclosed
- **Website:** www.totalwpm.com
- **LinkedIn:** https://www.linkedin.com/company/total-wealth-planning-management

## Regulatory record

- **CRD number:** 166664
- **SEC file number:** 801-113167
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/166664

## About

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.

## Questions

### 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.

## Related profiles

- [Total Wealth Planning](https://altss.com/profile/total-wealth-planning)
- [Total Wealth Services](https://altss.com/profile/total-wealth-services)

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Last updated: 2026-06-03T20:00:00.000Z

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