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TQM
  • About TQM
  • Our Team
  • Our Services
    • Comprehensive Financial Plan
    • Investment Management
    • Business Planning
    • Insurance Management
    • Legacy Planning
    • Family Wealth Program
  • Professional Collaborations
  • Client Center
  • Insights
  • Contact Us
Home › Contact Us

Contact Us

Address

Main Office:
122 Washington Street, Suite R
Marblehead, MA 01945

Phone

781-990-3599

Fax

617-249-0924

Email

tqm@tqmwealthpartners.com

Schedule a Meeting Today

    GET DIRECTIONS
    • About TQM
    • Our Team
    • Our Services
      • Comprehensive Financial Plan
      • Investment Management
      • Business Planning
      • Insurance Management
      • Legacy Planning
      • Family Wealth Program
    • Professional Collaborations
    • Client Center
    • Insights
    • Contact Us

    *WBENC and Massachusetts WBE certifications recognize qualifying women-owned businesses and do not constitute an endorsement, recommendation, or evaluation of TQM Wealth Partners or its advisory services.



    The information contained on this website is provided for informational and educational purposes only. The content presented is general in nature and does not constitute personalized investment, legal, tax, or accounting advice. Nothing contained on this website should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation of any security, investment strategy, or advisory service.
    All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. References to market performance, investment strategies, economic conditions, or other financial information are provided for general informational purposes only and may not be suitable for every investor. Individuals should consult with qualified professionals regarding their specific circumstances before implementing any investment, tax, or legal strategy.
    TQM Wealth Partners, LLC is a Registered Investment Adviser with the U.S. Securities and Exchange Commission ("SEC"). Registration does not imply a certain level of skill or training and does not constitute an endorsement by the SEC. Additional information about TQM Wealth Partners is available below.
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    Executive Team and Leadership
    Group Onboarding

    Typical Net Worth:

    • Varies by role and equity participation across the leadership team
    • Often ranging from $5M to $100M+ in aggregate executive wealth

    Key Needs:

    • Coordinated equity and compensation planning across roles
    • Aligned tax strategy to reduce surprises and inefficiencies
    • Liquidity planning within blackout and compliance constraints
    • Consistency across executive planning without sacrificing personalization
    • Centralized oversight to reduce fragmented decision making

    Our Services:

    • Equity compensation and liquidity planning
    • Tax planning and regulatory navigation
    • Investment management and portfolio design
    • Risk management and asset protection
    • Estate and legacy planning
    • Executive wealth coordination
    Schedule a Call

    Founder & Entrepreneur
    Executives (Pre-Exit & 
Post-Exit)

    Typical Net Worth:

    $10M–$100M+

    Key Needs:

    Concentration reduction, tax strategy, 10b5-1 plans, coordinated estate structures.

    Mapped Services:

    • Equity Compensation & Liquidity Planning
    • Investment Management & Portfolio Design
    • Tax Planning & Strategic Tax Services
    • Risk & Asset Protection
    • Estate & Legacy Planning
    • Wealth Planning

    Retired or Transitioning Executives

    Typical Net Worth:

    $10M–$100M+

    Key Needs:

    Concentration reduction, tax strategy, 10b5-1 plans, coordinated estate structures.

    Mapped Services:

    • Equity Compensation & Liquidity Planning
    • Investment Management & Portfolio Design
    • Tax Planning & Strategic Tax Services
    • Risk & Asset Protection
    • Estate & Legacy Planning
    • Wealth Planning

    Global Executives

    Typical Net Worth:

    $10M–$100M+

    Key Needs:

    Concentration reduction, tax strategy, 10b5-1 plans, coordinated estate structures.

    Mapped Services:

    • Equity Compensation & Liquidity Planning
    • Investment Management & Portfolio Design
    • Tax Planning & Strategic Tax Services
    • Risk & Asset Protection
    • Estate & Legacy Planning
    • Wealth Planning

    PE-Backed Executives

    Typical Net Worth:

    $10M–$100M+

    Key Needs:

    Concentration reduction, tax strategy, 10b5-1 plans, coordinated estate structures.

    Mapped Services:

    • Equity Compensation & Liquidity Planning
    • Investment Management & Portfolio Design
    • Tax Planning & Strategic Tax Services
    • Risk & Asset Protection
    • Estate & Legacy Planning
    • Wealth Planning

    Tech & Pre-IPO Executives

    Typical Net Worth:

    $10M–$100M+

    Key Needs:

    Concentration reduction, tax strategy, 10b5-1 plans, coordinated estate structures.

    Mapped Services:

    • Equity Compensation & Liquidity Planning
    • Investment Management & Portfolio Design
    • Tax Planning & Strategic Tax Services
    • Risk & Asset Protection
    • Estate & Legacy Planning
    • Wealth Planning

    Public Company CEOs & CFOs

    Typical Net Worth:

    $10M–$100M+

    Key Needs:

    Concentration reduction, tax strategy, 10b5-1 plans, coordinated estate structures.

    Mapped Services:

    • Equity Compensation & Liquidity Planning
    • Investment Management & Portfolio Design
    • Tax Planning & Strategic Tax Services
    • Risk & Asset Protection
    • Estate & Legacy Planning
    • Wealth Planning

    Hold / Monitor

    What TQM does

    • We help you understand what you’ve been granted
      and how to plan actions.
    • AMT expo n from day one.

    How TQM helps:

    • Equity analysis and modeling
    • Vesting calendar review
    • 83(b) considersure awareness
    • Coordination with corporate counsel

    Legacy

    What TQM does

    • We help you understand what you’ve been granted
      and how to plan actions.
    • AMT expo n from day one.

    How TQM helps:

    • Equity analysis and modeling
    • Vesting calendar review
    • 83(b) considersure awareness
    • Coordination with corporate counsel

    Liquidity

    What TQM does

    • We help you understand what you’ve been granted
      and how to plan actions.
    • AMT expo n from day one.

    How TQM helps:

    • Equity analysis and modeling
    • Vesting calendar review
    • 83(b) considersure awareness
    • Coordination with corporate counsel

    Exercise

    What TQM does

    • We help you understand what you’ve been granted
      and how to plan actions.
    • AMT expo n from day one.

    How TQM helps:

    • Equity analysis and modeling
    • Vesting calendar review
    • 83(b) considersure awareness
    • Coordination with corporate counsel

    Vest

    What TQM does

    • We help you understand what you’ve been granted
      and how to plan actions.
    • AMT expo n from day one.

    How TQM helps:

    • Equity analysis and modeling
    • Vesting calendar review
    • 83(b) considersure awareness
    • Coordination with corporate counsel

    Grant

    What TQM does

    • We help you understand what you’ve been granted
      and how to plan actions.
    • AMT expo n from day one.

    How TQM helps:

    • Equity analysis and modeling
    • Vesting calendar review
    • 83(b) considersure awareness
    • Coordination with corporate counsel

    Liquidity & Major Event
    Planning

    We help you make confident decisions around your
    employer stock and compensation: 

    • RSUs, PSUs, ISOs, NSOs
    • Exercise timing and tax optimization
    • 10b5-1 plans
    • Hedging and diversification strategies
    • Pre-IPO and post-liquidity planning

    Outcome:

    Reduce risk, avoid tax surprises, and turn concentrated
    wealth into long-term financial stability.

    Executive-Life
    Coordination

    We help you make confident decisions around your
    employer stock and compensation: 

    • RSUs, PSUs, ISOs, NSOs
    • Exercise timing and tax optimization
    • 10b5-1 plans
    • Hedging and diversification strategies
    • Pre-IPO and post-liquidity planning

    Outcome:

    Reduce risk, avoid tax surprises, and turn concentrated
    wealth into long-term financial stability.

    Family Wealth, Estate
    Planning & Legacy

    We help you make confident decisions around your
    employer stock and compensation: 

    • RSUs, PSUs, ISOs, NSOs
    • Exercise timing and tax optimization
    • 10b5-1 plans
    • Hedging and diversification strategies
    • Pre-IPO and post-liquidity planning

    Outcome:

    Reduce risk, avoid tax surprises, and turn concentrated
    wealth into long-term financial stability.

    Personalized Wealth &
    Portfolio Management

    We help you make confident decisions around your
    employer stock and compensation: 

    • RSUs, PSUs, ISOs, NSOs
    • Exercise timing and tax optimization
    • 10b5-1 plans
    • Hedging and diversification strategies
    • Pre-IPO and post-liquidity planning

    Outcome:

    Reduce risk, avoid tax surprises, and turn concentrated
    wealth into long-term financial stability.

    Tax Planning &
    Regulatory Navigation

    We help you make confident decisions around your
    employer stock and compensation: 

    • RSUs, PSUs, ISOs, NSOs
    • Exercise timing and tax optimization
    • 10b5-1 plans
    • Hedging and diversification strategies
    • Pre-IPO and post-liquidity planning

    Outcome:

    Reduce risk, avoid tax surprises, and turn concentrated
    wealth into long-term financial stability.

    Equity Compensation &
    Concentration Strategy

    We help you make confident decisions around your
    employer stock and compensation: 

    • RSUs, PSUs, ISOs, NSOs
    • Exercise timing and tax optimization
    • 10b5-1 plans
    • Hedging and diversification strategies
    • Pre-IPO and post-liquidity planning

    Outcome:

    Reduce risk, avoid tax surprises, and turn concentrated
    wealth into long-term financial stability.



      Inherited Wealth
      Recipients/Family Trustees 

      Challenges: 

      • Lack of understanding of trust mechanics and obligations. 
      • Anxiety over “ruining” heirs with too much privilege. 
      • Poor tax efficiency in trust distributions. 
      • No long-term structure for wealth stewardship. 

      TQM Value: 

      • Designs trust-optimized investment strategies. 
      • Helps educate heirs on financial responsibility. 
      • Aligns trust structures with family purpose and charitable intent. 

      Our Services 

      • Comprehensive Financial Planning 
      • Investment Management 
      • Insurance & Risk Management 
      • Legacy & Estate Planning 
      Schedule a Call

      Executives & Corporate
      Professionals Nearing Retirement 

      Challenges:

      • Fear of outliving assets (longevity risk). 
      • Unclear withdrawal and tax strategy. 
      • Market volatility concerns. 
      • Complexity managing multiple retirement accounts. 
      • Desire for lifestyle preservation without financial stress. 

      TQM Value:

      • Builds a Liability-Driven Investment (LDI) framework for predictable income. 
      • Aligns asset allocation with lifestyle and philanthropic goals. 
      • Benchmarks investment performance against personal required rate of return. 

      Our Services 

      • Comprehensive Financial Planning 
      • Investment Management 
      • Insurance & Risk Management 
      • Legacy & Estate Planning 
      Schedule a Call

      High-net-worth Families
      with Complex Wealth Structures 

      Challenges: 

      • No single, integrated household balance sheet across trusts, entities, investments, and family members. 
      • Tax inefficiencies created by overlapping advice and disconnected planning. 
      • Risk exposures that are not clearly mapped to family goals or long-term needs. 
      • Lack of coordinated oversight across advisors, generations, and decision-makers. 

      TQM Value: 

      • Creates a centralized financial operating system that brings full visibility across the family’s wealth. 
      • Uses TQM’s Total Quality Wealth Management to connect investment strategy, tax planning, and estate design. 
      • Applies the Critical Path framework to identify the family’s minimum required rate of return to meet long-term goals. 
      • Uses that insight to guide disciplined portfolio decisions, including when to rebalance or take gains during strong markets. 
      • Benchmarks progress against a living financial plan and clearly defined risk capacity metrics.  

      Our Services

      • Comprehensive Financial Planning 
      • Investment Management 
      • Risk & Insurance Review 
      • Family Wealth & Philanthropy
      Schedule a Call

      Families with Generational
      Wealth/Nearing Estate Transition 

      Challenges: 

      • Estate tax exposure: Concern about losing up to 40%+ of estate to taxes. 
      • Wealth transfer complexity: Fragmented trusts, entities, and outdated structures. 
      • Heir preparedness: Lack of education or discipline among next generation. 
      • Family tension: Conflicting views about legacy or wealth values. 
      • Philanthropy strategy: Uncoordinated charitable giving without impact alignment. 

      TQM Value: 

      • Builds an integrated legacy and tax minimization strategy using advanced planning. 
      • Coordinates attorneys, trustees, and CPAs to ensure efficiency and compliance. 
      • Uses Critical Path modeling to simulate estate outcomes under different tax scenarios. 
      • Facilitates family governance and next-gen financial education. 

      Our Services 

      • Legacy & Estate Planning 
      • Family Wealth & Philanthropy 
      • Comprehensive Financial Planning 
      • Risk & Insurance Review 
      Schedule a Call

      Woman In Transition
      (Divorced, Inheritance, or Widowhood) 

      Challenges: 

      • Uncertainty about total wealth, income sufficiency, and long-term financial security. 
      • Managing multiple accounts, attorneys, and advisors without a clear financial lead. 
      • Risk of emotional or reactive decisions during a highly personal life transition. 
      • Loss of financial confidence and growing decision fatigue. 
      • Need to establish independence while protecting future lifestyle and family priorities. 

      TQM Value:

      • Rebuilds a comprehensive household balance sheet to create immediate clarity and control. 
      • Provides fiduciary, non-judgmental guidance, helping you make confident decisions at your own pace. 
      • Designs a Critical Path plan focused on lifetime income, stability, and purpose. 
      • Acts as a steady partner, helping you move forward with confidence rather than urgency. 

      Our Services: 

      • Comprehensive Financial Planning 
      • Specialized Planning 
      • Legacy & Estate Planning 
      Schedule a Call

      Widowers or Recently
      Divorced with Substantial Wealth 

      Challenges: 

      • Emotional overwhelm and fear of making costly financial mistakes during a major life transition. 
      • Fragmented accounts and limited visibility across assets, income, and obligations. 
      • Need for income planning and a thoughtful reassessment of estate priorities. 
      • Outdated estate documents, beneficiary designations, or trust structures. 
      • Navigating the complexities of blended families, with a need to protect wealth for children while honoring new family dynamics. 
      • Increased vulnerability to poor or self-interested advice. 

      TQM Value: 

      • Acts as your Personal CFO, simplifying decisions and coordinating every aspect of your financial life. 
      • Builds a Critical Path framework that balances near-term security with long-term legacy goals. 
      • Aligns estate, trust, and insurance strategies to reflect new life circumstances and family structures. 
      • Helps protect wealth intentionally, ensuring assets are directed according to your wishes and your children’s future needs. 

      Our Services:

      • Legacy & Estate Planning 
      • Family Wealth & Philanthropy 
      • Risk Management 
      Schedule a Call

      High income
      Biotech Executive 

      Challenges 

      • Concentrated stock risk from equity compensation and uncertainty around diversification timing. 
      • Complex tax exposure related to RSUs, NSOs, ISOs, AMT, stock sales, and deferred compensation. 
      • No integrated plan linking equity decisions to long-term liquidity. retirement, and legacy goals. 
      • Market volatility creating anxiety about when and how to divest concentrated positions. 
      • Managing advice across multiple, uncoordinated professionals without a clear financial lead. 

      TQM Value: 

      • Performs detailed equity compensation analysis, helping you understand and optimize decisions around RSUs, NSOs, and ISOs in the context of your full financial picture. 
      • Designs a Critical Path Plan that connects equity events to post-liquidity investment, tax, and estate strategies. 
      • Coordinates CPA, legal, and investment teams to ensure equity, tax, and planning decisions stay aligned. 
      • Uses liability-driven investing (LDI) to balance income needs with appropriate market exposure. 
      • Acts as your Personal CFO, providing one point of accountability across every financial decision. 

      Our Services: 

      • Investment Management 
      • Comprehensive Financial Planning 
      • Tax-Efficient Legacy Planning 
      Schedule a Call

      Entrepreneurs & Business
      Owners Nearing Exit 

      Challenges: 

      • Lack of liquidity planning pre-sale. 
      • Estate and succession uncertainty. 
      • Heavy tax drag at sale. 
      • Post-exit identity and investment strategy confusion. 
      • Siloed advice from transaction, tax, and investment professionals. 

      TQM Value: 

      • Provides a pre-sale to post-sale roadmap integrating business value, family wealth, and tax strategy. 
      • Implements tax-efficient structures (e.g., charitable trusts, gifting strategies). 
      • Aligns wealth transfer with family goals and philanthropic intent. 

      Our Services:

      • Business Owner & Liquidity Planning 
      • Legacy & Estate Planning 
      • Investment Management 
      Schedule a Call