TBMS Wealth LLC

TBMS Wealth LLC provides investment management and financial planning to a small, primarily individual client base as well as trusts, estates, foundations, endowments, and business entities. The firm offers ongoing discretionary portfolio management, comprehensive and modular financial planning, and project-based or hourly advice, including coordination with outside attorneys and accountants and assistance with held-away accounts.

The firm’s investment approach blends fundamental economic analysis and manager/fund screening with both active and passive strategies, emphasizing tax efficiency, low-cost funds, and periodic rebalancing tailored to each client’s objectives and risk tolerance. It will, in limited circumstances, recommend fee-based annuity contracts to preserve tax deferral or restructure existing insurance/annuity positions, but does not sell annuities or receive commissions for product sales.

Managing roughly $9.4 million in discretionary assets for a client roster in the low double-digits, TBMS Wealth operates as a single-advisor practice that stresses personalized oversight and formal compliance controls, including a Code of Ethics, privacy safeguards, and procedures for protecting vulnerable adults. The firm recommends institutional custodians and discloses receipt of custodial support services while maintaining an independent, fee-based advisory model rather than commission-based compensation.