Meet the Team
The Person Behind
Your Financial Plan.
A fee-based fiduciary who left Wall Street to build something better — and has spent 30+ years proving it.
30+
Years in Practice
2009
Firm Founded
CFS®
Certified Fund Specialist
SEC
Registered RIA
The Founding Advisor
Thomas Davies
CFS® · Founder & Wealth Advisor · Stuart, Florida
After more than a decade at Merrill Lynch and Morgan Stanley, Thomas saw a systemic problem with the wirehouse model: advisors were incentivized to sell products, not build plans. In 2009, he left that world behind to build something fundamentally different on the Treasure Coast.
Today, Davies Wealth Management operates as a fee-based fiduciary RIA — SEC registered, legally bound to act in your best interest at every decision. Thomas works as a Personal CFO for executives, pre-retirees, professional athletes, and Florida relocators who need more than off-the-shelf portfolio management.
With a Certified Fund Specialist® (CFS®) designation — one of the oldest investment credentials in the United States — Thomas brings institutional-grade fund analysis, tax-aware portfolio construction, and long-term planning depth that most advisors simply cannot match.
Series 66 Licensed
SEC-Registered RIA
FPA Member
Fee-Based Fiduciary
Stuart, Florida · Since 2009
“
We are not a bank. We are not a broker. We are your partner — and we’re legally required to act like it.
Thomas Davies, CFS®
Founder · Davies Wealth Management
Why Credentials Matter
What CFS® Means for You
4th
Oldest U.S. Investment Credential
The CFS® designation has been awarded since 1988, predating most advisor credentials by decades. It signals deep, long-established expertise in fund selection and portfolio construction.
Institutional
Fund Analysis Capability
Advanced asset allocation, complex risk models, and tax-loss harvesting strategies normally reserved for institutional investors — applied to your personal financial plan.
Fiduciary
Standard — Always
As a fee-based fiduciary, Thomas is legally and ethically bound to act in your best interest at every decision — not just when it’s convenient or profitable for the firm.
Areas of Expertise
Boutique Attention,
Global-Firm Capability
Serving executives, pre-retirees, professional athletes, and Florida relocators who need more than generic portfolio management.
Retirement Income Planning
Sustainable withdrawal strategies, Social Security timing, RMD optimization, and sequence-of-returns protection for retirees and pre-retirees on the Treasure Coast.
Executive & C-Suite Strategy
Equity compensation, deferred comp planning, concentrated-stock diversification, and integrated tax strategy for corporate executives and senior leaders.
RSU & Equity Optimization
Tax-efficient vesting strategies, sale-timing guidance, and diversification planning for high-income professionals with significant equity exposure.
Professional Athlete Planning
Compressed-career wealth management, pension maximization, NIL income planning, and post-career financial transition for professional athletes and coaches.
Florida Relocation Planning
Dual-state tax strategy, domicile establishment, estate planning updates, and lifestyle wealth coordination for high-net-worth families relocating to the Treasure Coast.
Fee-Based Fiduciary Advising
Transparent advisory fees with full disclosure of all compensation — including annuity commissions when applicable. No hidden charges. No conflicted recommendations.
Transparency is Non-Negotiable
Fee-Based, Not Fee-Only —
And Why the Difference Matters
Davies Wealth Management charges advisory fees for ongoing wealth management services. In certain situations — such as annuity recommendations — Thomas may also receive compensation from a product provider. This is disclosed to you at point of sale, every time, without exception.
This is the definition of fee-based — not fee-only. The distinction is a compliance fact, not a marketing position. What doesn’t change is the fiduciary standard: every recommendation, regardless of compensation structure, must serve your best interest first.
You will always know exactly how we are compensated. That is the Davies standard.
Our Compensation Model
Advisory Fees
Transparent, agreed-upon fees for ongoing wealth management and financial planning.
Annuity Compensation
When annuities serve your plan, product compensation is disclosed at point of sale — no exceptions.
Fiduciary Standard — Always
Every recommendation — regardless of compensation structure — must serve your best interest first.
Continue Exploring
More About Davies Wealth Management
Our Difference
Why the Fiduciary Standard Changes Everything
Side-by-side comparison of the brokerage model versus the Davies fiduciary approach — and why it matters for your wealth.
Explore →
Our History
A Heritage Built on Fiduciary Integrity Since 2009
From a Wall Street departure to the Treasure Coast’s premier independent RIA — the founding story and milestones of Davies Wealth Management.
Explore →
How We Work
Our 4-Step Process for Every Client
From discovery to ongoing partnership — how Thomas structures every client relationship for clarity, transparency, and long-term results.
See Our Process →
Your Next Step
Ready to Work with
Thomas Directly?
Schedule a complimentary discovery call. Thomas will review your current plan, identify gaps, and show you what a fee-based fiduciary approach actually looks like in practice.
No obligation · No sales pitch · Fiduciary standard applies
Davies Wealth Management · Fee-Based Fiduciary RIA · SEC Registered · 684 SE Monterey Rd, Stuart, FL 34994 · (772) 210-4031
Not investment advice. Past performance does not guarantee future results. Investment involves risk including possible loss of principal.
I'm happy with the team relationship that Davies Wealth Management is building with me. It's the approach I always wanted with an advisor.