Talisman Wealth Advisors, LLC

Talisman Wealth Advisors, LLC is a registered investment adviser based in Mountainside, NJ, offering financial planning, consulting, and investment management services. Established in March 2021, the firm is owned by Francis E. Granizo and Jennifer Kirby. With $212,797,046 in assets under management as of December 31, 2024, all managed on a discretionary basis, Talisman tailors its services to meet individual client needs. The firm primarily allocates client assets among mutual funds, ETFs, individual securities, and independent investment managers. Clients have the flexibility to engage in financial planning and consulting services separately or in conjunction with investment portfolio management. Talisman's investment philosophy emphasizes low-cost asset allocation strategies, tax minimization, and risk management. The firm employs fundamental, technical, and cyclical methods of analysis, integrating Modern Portfolio Theory into its investment process. Talisman also offers sustainable and responsible investing strategies upon client request. The firm charges fixed or hourly fees for financial planning and consulting services, ranging from $1,500 to $10,000 fixed or $200 to $400 per hour. Investment management fees vary between 0.10% to 1.50% annually based on assets under management. Talisman recommends LPL or Charles Schwab for custody, brokerage, and clearing services, with a commitment to best execution and periodic reviews of brokerage practices. The firm does not provide compensation for client referrals and does not engage in directed brokerage. Talisman exercises investment discretion for client accounts, allowing the firm to make decisions on securities transactions without prior client consent. Clients receive regular account statements from custodians and supplemental reports from the firm. Talisman does not vote client securities or accept prepayment of fees exceeding $1,200 six months in advance. The firm maintains custody of client assets through qualified custodians and has implemented safeguards for limited power of attorney disbursements.