# TFC Financial Management

> Retirement planning, investment management, tax planning and more. Let us help you balance your wealth and your time to live your most meaningful life.

## Company Overview

TFC Financial Management is a majority women and employee-owned fee-only financial advisory and investment firm founded in 1979. With over 45 years of experience, TFC manages over $2 billion in assets under management and advisement, providing independent, personalized financial guidance to high-net-worth clients across the United States.

Located in Boston, Massachusetts, TFC operates as a wholly independent fiduciary, free from private equity ownership, ensuring client interests always come first.

## Key Differentiators

- **CNBC Recognition**: Ranked #10 on CNBC's Financial Advisor 100 (2025), the second-highest ranked Massachusetts-based firm on the list
- **Fee-Only Structure**: Compensated solely by client fees, not commissions or product sales, eliminating conflicts of interest
- **"Advising Beyond Investing" Philosophy**: Comprehensive guidance covering taxes, retirement income, estate planning, business transitions, and life changes
- **Experienced Leadership**: Over 45 years in business, serving second and third-generation clients
- **Values-Driven Culture**: Built on competence, compassion, and collaboration
- **Independent Ownership**: Majority women and employee-owned with no external investors

## Specialized Client Segments

TFC Financial focuses on four distinct client groups with complex financial needs:

### Women in Transition
Providing expert advice, education, and support for women experiencing divorce, widowhood, or stepping into the role of managing family finances. TFC offers empathetic, comprehensive guidance to help women feel empowered and in control during difficult transitions.

### Business Owners
Critical guidance for business owners both before and after a business sale, including tax implications, managing cash flow post-sale, exit strategy planning, and transitioning to life after business ownership. TFC helps assemble multidisciplinary teams of trusted advisors.

### Corporate Executives
Assistance analyzing complex compensation packages including stock options, deferred compensation plans, benefits, and insurance decisions. Guidance helps executives understand tax implications and the total impact on their wealth before, during, and after retirement from corporate roles.

### Multi-Generational Families
Multi-generational wealth planning to help family wealth endure across generations. TFC serves second and third-generation clients to preserve and enhance their legacy through coordinated estate planning, tax-efficient wealth transfer strategies, and education for the next generation.

## Comprehensive Services

- **Personal Financial Planning**: Customized financial guidance based on individual goals and circumstances
- **Strategic Investment Management**: Diversified approach tailored to specific goals, risk tolerance, and time horizon
- **Retirement Planning**: Income distribution strategies, tax-efficient withdrawal planning, healthcare and long-term care considerations
- **Tax Planning**: Coordination with CPAs to optimize tax strategy across investments, retirement distributions, and business transitions
- **Estate Planning**: Coordination with attorneys for wealth transfer, legacy planning, and multi-generational wealth preservation
- **Business Transition Planning**: Pre-sale and post-sale financial guidance for business owners
- **Life Transition Planning**: Support during major life changes including divorce, widowhood, career changes
- **Divorce Planning & Consultation**: Financial analysis and ongoing support during and after divorce
- **Liquidity Management & Distribution Planning**: Tax-efficient cash flow planning and asset distribution strategies
- **Educational Funding Planning**: Strategies for funding education expenses
- **Protection & Insurance Planning**: Risk management and insurance analysis
- **Sustainable & Responsible Investing**: ESG investment options incorporating environmental, social, and governance considerations
- **Charitable Planning**: Asset management for private foundations and endowments, philanthropic strategy

## Client Requirements

- **Asset Management Minimum**: $2 million of liquid investable assets
- **Financial Planning Services**: Generally for individuals, couples, and families with $3 million to $50 million net worth
- **Target Clients**: Those with complex financial situations requiring sophisticated guidance who value comprehensive planning beyond investment management

## Investment Philosophy

TFC takes a strategic, diversified approach to investment management, focusing on long-term wealth building while managing risk appropriate to each client's situation. The firm's Chief Investment Officer leads investment strategy, and the team includes a Chartered SRI Counselor℠ specializing in sustainable and responsible investing.

Risk management focuses on identifying and mitigating various types of portfolio risk including concentration risk, market risk, and liquidity risk through diversification and strategic asset allocation.

## Team & Credentials

TFC's experienced advisors hold prestigious credentials including:
- Certified Financial Planner (CFP®)
- Certified Public Accountant/Personal Financial Specialist (CPA/PFS)
- Chartered Financial Analyst (CFA)
- Chartered Advisor in Philanthropy (CAP®)
- Chartered SRI Counselor℠ (CSRIC®)
- Chartered Alternative Investment Analyst (CAIA®)
- Chartered Financial Consultant (ChFC®)
- Certified Trust and Fiduciary Advisor (CTFA)
- Certified Exit Planning Advisor (CEPA®)
- Certified Divorce Financial Analyst (CDFA®)

### Leadership Team
- Renée Kwok, CFP® - President & CEO & Shareholder
- Brian Presti, CFA, Chartered SRI Counselor℠ - Chief Investment Officer & Shareholder
- Leann Sullivan, CFP®, CAP® - Managing Director, Financial Planning & Shareholder
- Michael Meehan, CPA/PFS, CFP® - Managing Director, Marketing, Senior Client Advisor & Shareholder
- Connie Wyllie - Chief Compliance Officer, VP of Client Service and Operations & Shareholder
- Mike Sullivan - Director of Operations and Business Analytics & Shareholder

## Client Experience & Process

TFC's client-centric process begins with listening to understand goals, concerns, and what keeps clients up at night. The onboarding process includes:

1. Initial discovery conversations to understand your situation
2. Collaborative planning to develop customized strategies
3. Regular communication schedule tailored to your preferences (typically 2-3 meetings annually)
4. Accessibility beyond scheduled meetings for questions and concerns
5. Coordination with existing advisors (CPAs, attorneys, bankers) or referrals to TFC's extensive professional network

The firm takes a team approach, ensuring clients receive the collective wisdom of deeply experienced advisory professionals. TFC prides itself on transparency, with full disclosure of all fees and material conflicts of interest.

## Extended Network

TFC's network includes trusted professionals in:
- Accounting and tax (CPAs)
- Estate planning law
- Family law
- Elder care
- Insurance
- Bookkeeping and organization
- Banking and mortgages
- Philanthropy and charitable giving
- Art and collectibles valuation
- Business coaching and advising
- Business valuation

## Community Involvement

TFC Financial launched the TFC Financial Charitable Foundation in March 2018, expressing the firm's values and commitment to promoting financial literacy and supporting the greater Boston community.

Team members volunteer with numerous organizations including Big Sister Boston, Cradles to Crayons, Community Servings, Compass Working Capital, The Philanthropy Connection, and many others.

## Frequently Asked Questions

**What does "fee-only" mean?**
TFC is compensated solely by client fees rather than commissions from financial products. This structure eliminates conflicts of interest and ensures recommendations are based on what's best for your financial situation.

**How are fees structured?**
TFC is fee-based on a percentage of assets under management. All fees are fully disclosed and transparent, with no commissions or fee-sharing arrangements with asset managers.

**Do you work with my existing advisors?**
Absolutely. TFC recognizes the importance of other professional relationships and encourages collaboration, often serving as quarterback to coordinate with your CPAs, attorneys, and other advisors.

**How often will I meet with my advisor?**
Most clients meet 2-3 times per year on average, with a communication schedule tailored to individual preferences. TFC advisors are accessible beyond scheduled meetings when questions arise.

**When should I involve my children in financial planning?**
There's no universal timeline, as every family is unique. TFC discusses specific family circumstances and helps determine the appropriate time and approach for involving the next generation.

**What makes TFC different from other advisors?**
TFC combines 45+ years of experience with a truly comprehensive approach beyond investment management. As an independent, majority women and employee-owned firm free from private equity, TFC has the freedom to continue putting clients first. The focus on specific client segments, fee-only structure, collaborative team approach, and commitment to education helps clients feel confident and in control.

## Contact Information

**Address**: 260 Franklin Street, Suite 1888, Boston, MA 02110
**Phone**: 617-210-6700
**Email**: info@tfcfinancial.com
**Website**: https://tfcfinancial.com

**Office Hours**: Available by appointment
**Service Area**: United States-wide

## Important Links

- [Home](https://tfcfinancial.com)
- [The TFC Experience](https://tfcfinancial.com/the-tfc-experience/)
- [Team](https://tfcfinancial.com/team/)
- [Expertise](https://tfcfinancial.com/expertise/)
- [Why TFC](https://tfcfinancial.com/why-tfc/)
- [TFC Community](https://tfcfinancial.com/community/)
- [Contact](https://tfcfinancial.com/contact/)
- [FAQs](https://tfcfinancial.com/faqs/)
- [Legal & Compliance](https://tfcfinancial.com/legal-compliance/)
- [Form CRS](https://tfcfinancial.com/uploads/TFC_Form_CRS_-_FEB_2025.pdf)

## Social Media

- [LinkedIn](https://www.linkedin.com/company/tfc-financial-management/)
- [Facebook](https://www.facebook.com/tfcfinancialmanagement)
- [YouTube](https://www.youtube.com/@TFCFinancialManagement)

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*Last Updated: November 2025*
*TFC Financial Management is a registered investment advisor. All rights reserved.*