TQM is Total Quality Management with Authentic Care
In some Spanish-speaking countries TQM stands for “Te Quiero Mucho”,
which means “I Love You Very Much”. We love our clients very much!
TQM’S mission is to help individuals and families protect their financial independence, live their legacies, and transfer their wealth efficiently using a total quality wealth management approach that includes assessing, protecting, and growing all types and sources of wealth in a transparent, tax-efficient, and fee sensitive manner.
We do this because we believe that financial planning is equal to life planning, where money and financial wealth are tools that, when used and managed properly, serve to maximize the life experience and all it has to offer. Our mission is also driven by the belief that when people have a sense of security and serenity around their financial wealth, they can focus on the things that matter to them the most and in many cases, find an increased sense of purpose.
Total Care
People do not care how much you know until they know how much you care. Our years of experience and proven results are second only to the care and love for our clients and the work that we do for them. This belief is one of the fundamental pillars upon which we stand, holding up the arch under which our clients thrive.
Total Quality
Quality over quantity has been the adage echoing throughout history. Why? We believe it is because quality is attained through virtues of undeterred devotion and loyalty; a trait that has set us apart from the very beginning for the sole benefit of our clients.
Living Legacy
We all aspire to leave an impact on those around us, reverberating long after we are gone. We firmly stand on the belief that legacies are more about how you live than about what you leave behind. We help you reap the greatest returns on your most valuable asset your life. TQM’s customized life and legacy wealth plans and personalized high net worth Family Program help you yield such dividends.
Trust is the one investment that yields eternal dividends
OUR TEAM
Marcel V. Quiroga, RMA®
Founder and CEO
TQM Wealth Partners
Robert Deiana, MBA
Senior Vice President and Wealth Manager
TQM Wealth Partners
Jordi A. Bakovic, MBA
Operations Manager
TQM Wealth Partners
Our Advanced Planning Partners: Highland Capital Brokerage
Highland Capital Brokerage is the trusted insurance partner to advisors, providing innovative planning and protection solutions to their clients. They share our culture of caring for clients. Please learn more at highlandbrokerage.com.
We get to the heart of the matter because hearts matter
OUR SERVICES
- Wealth PlanningFinancial planning is integral to life planning. Where financial tools are honed and managed, life is capitalized, and aspirations, maximized. Our mission is driven by the belief that when security and serenity surround ones financial life, peace of mind and an increased sense of purpose follow.
- Investment ManagementCapital is a measurement tool encompassing all forms of leverage, including life itself. With our team of financial experts and strategists, we create asset dedicated portfolio tailored to each client’s wealth plan.
- Business PlanningOur services have allowed our entrepreneur and c-suite executive clients to focus and build their business while we focus on the other side of the coin. Our roles range from protecting their business assets to creating exit strategies. From informal and formal business valuations to reviewing key employee insurance and buy-sell agreements, we are able to cater all of the solutions successful business owners need to protect and maximize the value of their hard work.
- Financial CounselingAs a Financial Advisor dedicated to providing unique solutions for our clients’ futures, we take pride in covering the entire Financial Planning Process. High net worth individuals, for the most part, are spread thin over a vast array of obligations and responsibilities. From family responsibilities to raising capital for their next venture, their attention is pulled in many directions. We work one on one with clients to better address, manage, and organize their personal and, or family dynamic concerning spending, and budgets.
- Family Wealth ProgramTQM’s Family Wealth Program uses a total wealth approach so that families can find a deeper satisfaction and be more deliberate in preserving and passing on family values, stories, and traditions, while creating traditions of their own and writing the next chapters of the family’s biography.
- Wealth and Special Needs PlanningFamily’s often have special needs related to physical and mental health issues. In addition, the pressure and complexities that often come with financial accomplishments can have both positive and negative effects. Whether your needs are related to taking care of a loved one or taking care of your health and wellbeing, special needs planning provides thoughtful protection and resources designed to address the specific needs.
We are all ears
BLOG
A Good Kind of Selfish in 2017
Have you caught your breath after what often is the whirlwind of the Holiday Season? Are you beginning the year exhausted from entertaining, going to holiday parties, and shopping? Or are you re-energized from spending time with family and friends, observing your religious and/or family traditions, and focusing on less stressful things than work, the markets, and the political environment? I’m somewhere in the middle. I’ll call it “exhaustergized” and define it as a state where one’s investment of time and energy produces a return of internal satisfaction and renewed enthusiasm. Doesn’t that sound like a good kind of selfish? A GREAT GIFT In Anthony De Mello’s book, Awareness (one of my all-time favorites), he says “It is impossible to help someone without helping yourself, or to harm another without harming yourself.” It was with this in mind that I thought about a group of young adults that I met a few years ago at Year Up, a Boston organization that “empowers low-income young adults to go from poverty to professional careers in a single year." The students I met back then gave me a great gift. Year Up had asked me to speak to these students about my personal and professional story hoping it would resonate with them because I am of Hispanic descent and I work in finance, one of Year Up’s industries of focus. I thought that accepting the invitation was a nice opportunity to “give back.” I am not unique in that it took some courage to be vulnerable and share my story with them, or in feeling that an experience like this one was totally worth it. Like most of you at one time or another, I felt the satisfaction that comes from doing something that can make a difference in someone else’s life. But wait, there’s more… when the young adults at Year Up honored me with their attention and their interest in what I had to say, they made a huge deposit in my spiritual bank account. I can’t thank them enough. After all, those kinds of deposits often pay the highest dividends. DIFFERENT KINDS OF WEALTH Think about how much wealth you’d like to create in 2017. I don’t mean only financial wealth. Total wealth encompasses human, social, and spiritual wealth, in addition to financial wealth. By being thankful for “helping yourself as a result of helping others” I believe you will enjoy creating more wealth of all kinds. Here is why: - Spiritual Wealth because giving and gratitude fill the spirit, which I describe as the fire that burns inside of us to give us life and joy in abundance. Nancy Clasby Torgove, author of The Reluctant Mystic: Autobiography of a Spiritual Awakening describes the benefits of spiritual wealth in terms of a prosperity “that brings with it serenity, peace of mind, clear thinking, and a profound connection to something greater than yourself. Kindness, tolerance, patience, and wisdom are the acquisitions of spiritual prosperity.” Nice to know that giving can help you gain that kind of wealth.
- Human Wealth because to be grateful you need to be mindful and aware, which increases mental sharpness and physical well-being. That is why I categorize physical and intellectual wealth under human wealth.
- Social Wealth because recognizing that there is reciprocity in the simple act of giving strengthens our relationships with people (family or other), communities (neighbors and neighborhoods), and organizations (both for-profit and non-profit).
- Financial Wealth because being thankful for the opportunities to use our knowledge and experience to serve others, to create jobs, and to find solutions for real problems inspires us to do it to the best of our ability, creating client loyalty and improving employee morale.
- Start with yourself: In the material sense it is obvious that you can’t give what you don’t have, yet that applies to every aspect of our lives. The better you feel, the more prepared you are physically/intellectually, and the more you fill your spiritual bank account, the more you will have to offer. “Charity begins at home” is something I learned from my parents, and I’m still working on fully putting it into practice myself.
- Give to those who are closest to you before giving to others: No one would feed a starving person if their child was also dying of hunger. It is an extreme example, but imagine trying to “save the world” when your inner world is falling apart. It’s just not going to happen. That does not mean everything has to be perfect either. It means that you have to think first about family and then about others. Within this framework, an opportunity is created to educate children on financial concepts around earning, saving, investing, and gifting.
- Providing is not the same as giving: It is always someone’s responsibility to provide for the home, but it is also important to give our time, attention, knowledge, guidance, and companionship to those we know and love before giving it to others. Being fed and clothed, even in the fanciest attire, and being well-educated and having the latest gadgets is not everything. In fact, studies have proven that too much “stuff” and not enough “people time” (be it with parents or spouses/partners) often leads to a sense of emptiness. To state the obvious (which is so often easily overlooked), good relationships of every kind require an investment of time, whether it is in helping or having fun with others.
- Giving and receiving can be the same: How did you feel the last time you gave someone you love a present that made them extremely happy? Probably as good as the person who received the gift. Both you and your loved one got something out of that exchange. Wouldn’t you say? This is applicable when giving to people we don’t know too, especially when we have a chance to see the impact of our gift. The concept of reciprocity is all about the giver and the beneficiary receiving something out of the exchange. Add Dearing’s concept of solidarity to the equation and you have a formula that, dare I say, can change the world.
- Don’t always expect immediate gratification: I remember feeling tired and stressed when I was working, studying, and raising my children. At these times it was not as easy to give them my full attention or time. Yet, as any mother would, I worked hard to overcome any difficulty I was having at the time to be there not only for them but with them too. Would I have done it differently? Only if it meant that I had a chance to spend even more quality time with them. (Both quality and quantity count when it comes to children!) Today, I’m an empty-nester and not a day goes by when I don’t miss my son and daughter. The dividends I get from my time invested with them when they were young is what makes all the difference: having happy, healthy, responsible children. (And now, a wonderful daughter-in-law too!)
Client Center
Welcome to The TQM Client Center. Here you will be able to access and track your planning progress. Please contact us if you have any questions or concerns regarding your access and/or log-in information.
CONTACT
Address
Main Office:
122 Washington Street, Suite R
Marblehead, MA 01945
Satellite office:
225 Franklin Street Floor 26
Boston, MA 02110
Phone
781-990-3599
Fax
617-249-0924