Stuart, Florida | Fiduciary Financial Planning Advisor
Stuart, Florida • 684 SE Monterey Road • Fee-Based Fiduciary RIA
Stuart’s Fiduciary
Financial Planning Firm
Davies Wealth Management is a fee-based fiduciary RIA headquartered in the heart of Stuart, Florida — serving Martin County families, executives, and professionals with fiduciary-standard financial planning for 30+ years.
Rooted in the Treasure Coast
The Treasure Coast’s Leading Fee-Based 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 guidance to the families who make the Treasure Coast a world-class place to live.
As members of the Stuart/Martin County Chamber of Commerce, we are more than a business — we are neighbors committed to the financial wellbeing of this community.
Our Location
Davies Wealth Management
684 SE Monterey Road
Stuart, FL 34994
Phone: (772) 210-4031
Email: DaviesWealthManagement@TDWealth.Net
Serving
Palm City
Sewall’s Point
Sailfish Point
Hobe Sound
Jensen Beach
Treasure Coast
Understanding the Difference
Fiduciary vs. Suitability:
The Invisible Difference
Most investors assume all financial advisors are required to act in their best interest. Unfortunately, this isn’t always the case. There are two very different standards of care in the financial industry.
Common at Large Brokerages
Advisors at many large banks and brokerage firms follow the Suitability Standard.
- ✗The Requirement: Investment only needs to be “suitable” based on your age and goals.
- ✗The Catch: If two products are both suitable but one pays a higher commission, the advisor may legally recommend the one that benefits them — even if it costs you more.
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 needs. All compensation is disclosed upfront — no hidden conflicts.
| Key Factor | Davies Wealth Management | Large Brokerages |
|---|---|---|
| Legal Standard | ✓ Must act in your best interest | ✗ Only requires “suitable” advice |
| Compensation Model | ✓ Fee-Based — transparent, fully disclosed | ✗ Commission-driven, often undisclosed |
| Product Access | ✓ Entire market — unbiased selection | ✗ Often limited to in-house products |
| Conflicts of Interest | ✓ Legally required to disclose | ✗ Permitted — sales incentives allowed |
| Loyalty | ✓ 100% to the client | ✗ Primarily to the brokerage firm |
“A broker’s loyalty is often to their employer. A fiduciary’s loyalty is only to you.”
Free Fiduciary Resource
Is your current advisor truly acting
in your best interest?
Use our 10-question checklist to uncover hidden fees and potential conflicts of interest in your current portfolio.
Martin County Expertise
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.
FRS Investment Plan vs. Pension Plan
Helping Martin County employees understand which plan maximizes their long-term retirement income.
DROP Program Navigation
Strategic guidance on Florida’s Deferred Retirement Option Program for eligible public employees.
Second Career Transition Planning
Coordinating public pension income with private sector opportunities for teachers, first responders, and administrators.
Tax-Efficient Retirement Income
Leveraging Florida’s favorable tax laws to protect your lifestyle and retirement distributions.
Why It Matters
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.
No Corporate Shareholders
As a fee-based fiduciary, we do not answer to corporate shareholders — we answer to you. Our independence ensures our advice is never influenced by sales quotas or product incentives.
Holistic Financial Planning
Tax-efficient retirement income, estate planning and legacy preservation for Martin County assets, and small business advisory — all under one fiduciary relationship.
Deeply Local Knowledge
We’re Stuart/Martin County Chamber members who understand this community — local real estate, FRS benefits, Florida tax advantages, and the estate planning landscape unique to the Treasure Coast.
Our Commitment to You
Our Five-Point Fiduciary Pledge
While many firms 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-based fiduciary. All advisory fees and any compensation arrangements are disclosed upfront. You will always know exactly how we are compensated — no hidden incentives, no surprises.
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.
Your Fiduciary Advisor
Thomas Davies, CFS
Certified Fund Specialist • SEC-Registered RIA • 30+ Years
Thomas Davies has spent more than three decades guiding families, executives, and professional athletes through the complexities of wealth management — always under a strict fiduciary standard.
A proud member of the Stuart/Martin County Chamber of Commerce and a familiar face in the local community, Thomas built Davies Wealth Management on a single principle: your financial wellbeing comes first, always.
What Stuart Clients Say
Trusted by Treasure Coast Families
Take the First Step
Ready to Work With Stuart’s
Fiduciary Financial Planning Firm?
Visit us at 684 SE Monterey Road, Stuart, FL 34994 — or schedule your complimentary consultation below. No obligations, no sales pitch, just fiduciary-standard advice.
Davies Wealth Management is a fee-based fiduciary Registered Investment Advisor (RIA) registered with the SEC. Registration does not imply a certain level of skill or training. All investment advisory services are provided by Davies Wealth Management. Past performance is not indicative of future results.
We can help you make the most of what you have!