TSW Wealth Management
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
TSW Wealth Management provides investment advisory and financial planning services to individuals, high‑net‑worth clients, trusts and estates. The firm offers discretionary portfolio management that emphasizes diversified, low‑cost mutual funds and ETFs, standalone financial planning and consulting, and oversight of variable annuity and retirement plan assets, including held‑away accounts.
The firm’s investment approach is primarily long‑term and client‑specific: TSW develops asset allocations based on each client’s goals, risk tolerance and circumstances, rebalances portfolios as needed, and treats cash as an asset class. TSW also relies on third‑party implementation and operations—using BlackRock’s Custom Model Solutions and 55ip for model construction, rebalancing and tax‑loss harvesting, and the Pontera platform to manage held‑away defined contribution accounts—alongside an account aggregation platform for consolidated reporting.
Compared with many peers, TSW’s operations are notable for integrating multiple external platforms and model providers into its advisory process and for disclosing the attendant arrangements (including subsidized program access and custodial support). The brochure also highlights legacy broker‑dealer and insurance registrations to service older commission products while maintaining a primarily fee‑based practice, plus formal cybersecurity, privacy safeguards and client controls such as the ability to impose reasonable investment restrictions.
Client services
Expertise
Fee options
Financial planning fixed fees ranging from $1,900 to $5,900, negotiable.
$0 - $749,999: 1.25% $750,000 - $1,499,999: 1.00% $1,500,000 - $2,999,999: 0.90% $3,000,000 - $5,999,999: 0.80% $6,000,000 - $8,999,999: 0.70% $9,000,000 - $11,999,999: 0.60% $12,000,000+: 0.50%
Commission-based products primarily for legacy variable annuity and variable universal life policies; no advisory fees charged in addition to commissions on such products.
Up to $350 per hour for special consulting projects.
Account minimum: $1,000,000 (generally required for investment management services, but discretionary)
Main office
205 Newbury Street, Suite 201
Framingham MA 01701
Advisors at this office
2
Most active in
Connecticut · Florida · Massachusetts · New Hampshire · Texas
Also doing business as
Tsw Wealth Management · Wells Financial Advisors · Wells Financial Advisors, Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Sarah W
CFP®, Series 66
Framingham, MA
TSW Wealth Management
Sarah Wells is a CFP® and holds a Series 66 license with 13 years of industry experience. She is a principal at TSW Wealth Management, where she has worked since 2011, and previously worked at Purshe Kaplan Sterling Investments. TSW Wealth Management is an SEC-registered advisory firm serving individuals, high-net-worth clients, trusts, and estates with discretionary portfolio management and financial planning. The firm employs a long-term, asset-allocation driven approach using low-cost mutual funds and ETFs, integrating third-party tools and sub-advisers to tailor portfolios to client goals and risk tolerance.
Terry W
CFP®, ChFC®, Series 63, Series 65
Framingham, MA
TSW Wealth Management
Terry Wells is a CFP® and ChFC® with 34 years of industry experience. He is the managing principal of TSW Wealth Management, a firm he has been affiliated with since 1996, and previously worked at Triad Advisors Inc and Purshe Kaplan Sterling Investments. TSW Wealth Management is an SEC-registered advisory firm serving individuals, high-net-worth clients, trusts, and estates with discretionary portfolio management, retirement and variable annuity oversight, as well as standalone financial planning and consulting. The firm employs a primarily long-term, asset-allocation driven approach using low-cost mutual funds and ETFs, integrating third-party tools and sub-advisers to tailor portfolios to client goals and risk tolerance.
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