Our Fiduciary Oath: A Commitment to Your Best Interests

The Treasure Coast’s Leading Fee-Only Fiduciary

Located in the heart of the "Sailfish Capital of the World," Davies Wealth Management serves as the premier financial anchor for Stuart and the surrounding Martin County community. Our office, situated near the Roosevelt Bridge and just minutes from Historic Downtown Stuart, is dedicated to providing transparent, commission-free guidance to the families who make the Treasure Coast a world-class place to live.

Specialized FRS Planning for Martin County Employees

As a local firm, we have deep expertise in the Florida Retirement System (FRS). We understand the specific nuances of the Investment Plan versus the Pension Plan for Martin County teachers, first responders, and state employees. Whether you are navigating the DROP program or transitioning into a private sector second career, our team provides the localized knowledge necessary to maximize your state benefits.

Why a "Boutique" Firm Matters in Stuart

While Stuart has no shortage of big-bank branches, residents of Sewall’s Point, Sailfish Point, and Palm City often seek a more personalized, independent relationship. As a fee-only fiduciary, we do not answer to corporate shareholders—we answer to you. This independence allows us to focus on holistic planning, including:

  • Tax-Efficient Retirement Income: Leveraging Florida’s tax laws to protect your lifestyle.
  • Estate Planning & Legacy Preservation: Ensuring your Martin County assets are protected for the next generation.
  • Small Business Advisory: From cash flow forecasting to succession planning for local entrepreneurs.

Ready to visit us in person?

Schedule a consultation at our Stuart, FL office today.

Commitment to Martin County

Our firm is more than just a business; we are members of the Stuart/Martin County Chamber of Commerce and active participants in the community that makes this area unique. We believe that professional financial advice should be accessible, honest, and rooted in the local values of the Treasure Coast.

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The Gold Standard of Financial Advice in Stuart, FL

At Davies Wealth Management, we believe that trust is the foundation of every successful financial relationship. That is why we operate under a strict Fiduciary Standard. Simply put: we are legally and ethically required to put your interests ahead of our own at all times.
Davies Wealth Management Fiduciary Team Stuart FL
Fiduciary Financial Advisor Stuart Florida - Fee Only Firm

Fiduciary vs. Suitability: The Invisible Difference

Most investors assume that all financial advisors are legally required to act in their best interest. Unfortunately, this isn’t always the case. In the financial industry, there are two very different standards of care:

The Suitability Standard (Common at Large Brokerages)

Advisors at many large corporate banks and brokerage firms follow the Suitability Standard.

  • The Requirement: They only need to ensure an investment is "suitable" for you based on your age and goals.

  • The Catch: If two products are both "suitable," but one pays the advisor a higher commission or kickback, they are permitted to recommend the one that benefits them more—even if it’s more expensive for you.

The Fiduciary Standard (The Davies Wealth Management Way)

As an independent Registered Investment Advisor (RIA), we are legally bound to the Fiduciary Standard.

  • The Requirement: We must put your interests above our own—100% of the time.

  • The Difference: We are required to recommend the best possible solution for your specific needs, regardless of how it affects our firm. We don't accept commissions or "proprietary product" incentives, ensuring our advice remains unbiased and objective.

The Bottom Line: A broker’s loyalty is often to their employer. A fiduciary’s loyalty is only to you.

Key Feature Davies Wealth Management (Fiduciary) Large Brokerages (Suitability)
Legal Standard ✅ Must act in your best interest ✖ Only requires "suitable" advice
Compensation ✅ Fee-Only (No Commissions) ✖ Fee-Based (Includes Commissions)
Product Access ✅ Entire Market (Unbiased) ✖ Often Limited to In-House Products
Conflicts of Interest ✅ Legally Required to Disclose ✖ Permitted (Sales Incentives)
Loyalty ✅ 100% to the Client ✖ Primarily to the Brokerage Firm
Is your current advisor truly acting in your best interest, or simply selling you "suitable" products?
Use this 10-question checklist to uncover hidden fees and potential conflicts of interest in your portfolio today.

 
 

Get the Fiduciary Checklist
Fiduciary Checklist

Our Five-Point Fiduciary Pledge

While many firms in the industry are "dual-registered" (acting as both advisors and brokers), we have committed to a higher standard of care. When you partner with us, we pledge the following:
  • Loyalty First: We will always act in your best interest, even if it means recommending a course of action that does not benefit our firm.
  • Full Transparency: We are a Fee-Only firm. We do not accept commissions, "kickbacks," or hidden incentives from third-party product providers. Our only source of compensation is you.
  • Conflict Avoidance: We proactively identify and disclose any potential conflicts of interest. If a conflict cannot be avoided, it will be managed in your favor.
  • Prudence and Care: We manage your wealth with the same diligence, skill, and professional judgment that we would apply to our own family’s finances.
  • Truth in Reporting: We provide clear, honest, and frequent communication regarding your portfolio performance, fees, and the reasoning behind our strategies.

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Davies Wealth Management

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Jaime Gonzalez profile picture
Jaime Gonzalez

15:04 02 Feb 24

I recently had the pleasure of speaking with Thomas Davies with Davis Wealth Management. As someone who values prudent financial planning and a personalized approach, I am delighted to share my positive experience with their services.

Thomas demonstrated a high level of professionalism and expertise throughout our engagement. From our initial consultation to the development of a comprehensive financial plan, their attention to detail and commitment to understanding my unique financial goals were evident.

One aspect that stood out to me was Thomas's ability to explain complex financial concepts in a clear and understandable manner. He took the time to patiently answer my questions, ensuring that I felt confident and informed about the decisions I was making.

Moreover, I found Thomas to be technologically savvy, utilizing modern tools and resources to enhance the efficiency of the financial planning process. This commitment to staying current with industry trends and technology was reassuring and demonstrated a dedication to providing a high level of service.

I am grateful for the guidance and peace of mind that Thomas Davies from Davies Wealth Management has provided me. Choosing them was undoubtedly a wise decision, and I look forward to continuing our successful financial partnership in the years to come.

Geoffrey Langbart profile picture
Geoffrey Langbart

19:20 01 Aug 23

Tom is well informed, driven planner with a sophisticated understanding of his clients' needs and an ability to create and communicate comprehensive plans in an attempt to guide his clients towards a place of financial stability.

Stephen Lombardi profile picture
Stephen Lombardi

19:31 25 Jul 23

Not only does Tom Davies know how to take care of your assets and plan for your future, he himself is an asset to have on your side. His wealth of knowledge and information is invaluable, and I am always amazed by his tips and insights into the financial world. Highly recommend.

Omar Abdel profile picture
Omar Abdel

16:35 25 Jul 23

Very knowledgeable financial advisor. Wouldn’t trust my money with anyone else.

Joseph De La Cruz profile picture
Joseph De La Cruz

11:33 26 Feb 23

These guys are great to work with. They go the extra mile to assist clients.

Thurman Mintz profile picture
Thurman Mintz

15:46 01 Dec 22

Mr Davies was very responsive to all my needs and questions
highly recommend his company

ROSEANN BIRCH profile picture
ROSEANN BIRCH

20:46 09 Aug 22

Thomas Davies has been an excellent portfolio manager as well as someone that has my complete and full confidence. He is always available for a phone call when I have a question. His reporting system is very clear and accurate. I would highly recommend his services to anyone.

Don Karney profile picture
Don Karney

20:05 09 Aug 22

I learn something new about wealth management & financial planning every time I talk to Tom. Solid guy. He knows what he is doing.

Jonathan White profile picture
Jonathan White

15:05 28 Jul 22

Thomas really works to understand his client’s needs and provide a plan for the future and not just investment options. He’s compassionate and very knowledgeable!

Mitchell Roffer profile picture
Mitchell Roffer

15:52 17 Jun 22

Friendly, knowledgeable and attentive to clients needs. Always responds promptly.

Keith Royle profile picture
Keith Royle

13:31 17 Jun 22

I've been working with Thomas for about 9-10 years now and he has been managing my accounts. We review annually and he gives me quarterly updates as well. I trust Thomas to keep things moving in an upward direction for my retirement.

ahuva gamliel profile picture
ahuva gamliel

14:29 16 Jun 22

Great advice, great results!

Oren Kiriat profile picture
Oren Kiriat

12:59 30 Jan 19

Excellent source for investing. Tom is very personal and great at adapting to our individual needs and ensuring we are moving in the direction we are looking for and know we are in a trusted firm.

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