Talon Wealth Management

What Talon Wealth Management does

Talon Wealth Management is a privately held, SEC-registered investment adviser (operating as Talon LLC) that provides fee-only fiduciary financial advisory services to individuals in or near retirement. Headquartered at 11974 CR 101, Suite 103 in The Villages, Florida, the firm has expanded to 13 office locations across Florida, California, Michigan, Nebraska, and Oklahoma, and is led by Founder/CEO Mike Lester. Its primary customer segment is mass-affluent and high-net-worth pre-retirees and retirees seeking a written financial plan, active portfolio management, and ongoing advice.

The firm's core product suite comprises Financial Planning Services, Portfolio Management Services, Retirement Planning, Portfolio Risk Analysis, Investment Review (including complimentary annuity stress testing), Retirement Plan Consulting, and a proprietary 5-Step Retirement Flight Plan process (Introduction Call, Discovery Meeting, Financial Plan & Proposal, Action & Orientation, Ongoing Service). Portfolio construction is delegated to Brookstone Capital Management as subadvisor, while client assets are custodied at Charles Schwab, Fidelity Investments, TD Ameritrade, and Altruist. The firm uses HubSpot for meeting scheduling. There is no proprietary technology stack or AI/ML capability; the technology posture is integration-light and outsourced.

Talon monetizes primarily through recurring AUM-based portfolio management fees (up to 2.00% annually, $25,000 account minimum), fixed or hourly financial planning fees ($1,500 fixed or $250/hour), and retirement plan consulting fees (up to 2.0% of plan assets). Distribution is advisor-led via the 13 physical offices, complemented by inbound demand generation through the 'Guarding Your Nest Egg' national radio show, podcast (Apple/Spotify), YouTube channel, blog, newsletter, and the firm's Official Wealth Management Team of the Florida Gators sponsorship through Learfield. The firm is founder-owned with no disclosed institutional investment, venture funding, or M&A activity.

Name

Talon Wealth Management

Legal name

Talon LLC

Website

https://talonwm.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro industry

PRIMARYFSAEAAAD

Retirement & Pension Planning (401(k)/IRA)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Investment Advisory & Financial Planning

SECONDARYFSAEAAAC

Portfolio Construction & Asset Allocation Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Investment Advisory & Financial Planning

SECONDARYFSAEABAE

Employer Retirement Plan Advisory (401(k)/Pension)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

Keywords

• Retirement planning services
• Wealth management advisory
• Portfolio management fees
• Fiduciary financial planning
• Retirement plan consulting

Headquarters

HQ city

The Villages

HQ country

United States

HQ region

North America

Offices13 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Portfolio Management Fees: Annual fee based on assets under management (AUM) with maximum rate of 2.00%, calculated and billed monthly in arrears.
2. Financial Planning Fees: Hourly rate of $250 or fixed fee of $1,500. One half collected upfront when signing agreement, remaining balance at delivery of written financial plan.
3. Retirement Plan Consulting: Annual fee based on percentage of plan assets, charged up to 2.0% depending on plan size and services provided.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels7 records

Core offering

Talon Wealth Management provides fee-only fiduciary financial planning, active portfolio management, and retirement plan consulting to individuals in or near retirement. Portfolio construction is executed through subadvisor Brookstone Capital Management, with client assets custodied at Charles Schwab, Fidelity, TD Ameritrade, and Altruist. The firm delivers these services via a structured 5-step Retirement Flight Plan process across 13 U.S. offices and virtual channels.

Product overview

Talon Wealth Management is a fee-only fiduciary financial advisory firm offering a unified suite of wealth management services centered on retirement planning. The core offerings include Financial Planning Services and Portfolio Management Services, supplemented by Portfolio Risk Analysis and Investment Review capabilities. The flagship 5-Step Retirement Flight Plan Process guides clients from initial consultation through ongoing service. The company also operates the 'Guarding Your Nest Egg' sub-brand as a national radio/podcast media platform. All services are provided with a fiduciary commitment, emphasizing active portfolio management without product sales.

Differentiator

Problem solved

Functional benefit

Brands

• Guarding Your Nest Egg: National retirement talk show hosted by CEO Mike Lester, available on radio, podcast platforms (Apple Podcasts, Spotify), and YouTube. Provides unbiased financial planning and retirement advice.

Quantifiable outcome

• Rebuilt client portfolio value to nearly pre-selloff levels by end of 2020 despite market downturn

Named customers6 records

Segments1 record

Ideal customer profiles2 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature1 record

Partnerships

Seven partnerships are on record, tiered core and minor.

• Brookstone Capital Management LLCcoreTechnology or Integration · 1 January 2023Subadvisor that manages Talon Wealth's client portfolios. Talon recommends Brookstone Capital Management LLC as the subadvisor for portfolio management services. Note: Conflict of interest disclosed as Talon owner has minority ownership in Brookstone.
• Fidelity InvestmentscoreTechnology or IntegrationOne of the leading financial custodians that holds client assets. Talon receives economic benefits from Fidelity Investments which creates incentive to recommend them for custodial services (conflict of interest disclosed).
• TD AmeritradecoreTechnology or IntegrationFinancial custodian for client assets. Talon receives economic benefits from TD Ameritrade which creates incentive to recommend them for custodial services (conflict of interest disclosed).
• Florida Gators (University of Florida Athletics)coreGTM or Marketing PartnerOfficial Wealth Management Team of the Florida Gators. Mike Lester is a Gainesville native and second-generation Gator. Partnership includes lunch & learn events at Ben Hill Griffin Stadium and sponsorship visibility. Compensation paid to Learfield for partnership.
• Charles SchwabcoreTechnology or IntegrationLeading financial custodian that holds client assets independently from Talon Wealth management.
• LearfieldminorGTM or Marketing PartnerCollege sports marketing company through which Talon Wealth compensation was paid for Florida Gators partnership as of January 2023.
• Magnum Broadcasting Inc.minorGTM or Marketing PartnerPaid advertising partnership for Keys Talk 102.5/96.9 FM/93.7 Yacht Rock radio station.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Creative Planning: One of the largest independent, fee-only RIAs in the U.S., headquartered in Kansas with multi-state office coverage. Highly comparable to Talon on fee-only fiduciary positioning, broad financial planning and investment management services, and a national footprint—significantly larger in scale.
• Edelman Financial Engines: Largest U.S. independent RIA by retail AUM, offering retirement planning, investment management, and 401(k) advisory to mass-affluent and affluent individuals. Comparable retirement-focused target market, fee model, and multi-office distribution.
• Hightower Advisors: National RIA platform with multiple advisor teams across states, offering wealth management, retirement plan consulting, and corporate services. Comparable multi-office structure, AUM-based fees, and fiduciary model serving individuals near retirement.
• Mariner Wealth Advisors: National fee-based RIA providing financial planning, investment management, and retirement plan consulting across 50+ offices. Comparable target client (retirees and pre-retirees), fee-based structure, and multi-state footprint.
• Mercer Advisors: National RIA providing wealth management and retirement plan consulting through a network of regional offices. Comparable in fee-based model, retirement-income planning focus, multi-state distribution, and custodian-agnostic philosophy.
• Fisher Investments: Large, privately held investment management firm serving high-net-worth individuals and institutions with discretionary portfolio management. Comparable fee-based active portfolio management for individual investors, but significantly larger scale and institutional reach.

Direct peers

• Carson Group: National RIA and advisor network built around media-driven growth (Ron Carson books, podcasts, conferences) and a 5-step coaching process. Closely comparable to Talon's media-led funnel, fiduciary advisor model, and process-driven retirement planning positioning.
• Buckingham Strategic Wealth: Fee-only, fiduciary RIA focused on retirement income planning, evidence-based investing, and proactive tax planning. Comparable to Talon on retirement-specific target client, fee-only fiduciary model, and active-management positioning.

Emerging players

• Facet Wealth: Tech-enabled flat-fee RIA targeting mass-affluent and retirement-focused clients with no AUM fees. Comparable retirement target market and fiduciary stance, but competes on price/structure against Talon's traditional AUM-fee model.

Others

• Orion Advisor Solutions: Technology and infrastructure provider to RIAs (custodial integrations, portfolio reporting, practice management). Comparable only insofar as Orion enables the operational backbone (custodian integrations, AUM billing) that RIA firms like Talon rely on; not a direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@guardingyournestegg
• Facebookfacebook.com/talonwealth
• LinkedInlinkedin.com/company/talon-wealth-management
• Instagraminstagram.com/guardingyournestegg

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Talon Wealth Management