Polley Wealth Management

• Operates as an independent fiduciary, legally required to act in the client's best interest.
• Not a broker or product salesperson; no bank, mutual fund company, insurance carrier, or broker-dealer owns any part of the firm.
• No proprietary products or sales quotas; compensation does not depend on which investment or strategy is recommended.

Who Polley Wealth Management serves

The firm is designed for:

• Successful professionals and executives
• Doctors, dentists, and attorneys who own private practices
• Entrepreneurs and business owners preparing for growth, succession, or exit
• Multi-generational families seeking comprehensive wealth preservation

Most private clients typically have $2M+ in investable assets or $300K+ in annual income.

Polley Private Client and Virtual Family Office model

Polley Private Client is the firm's relationship-driven private wealth and virtual family office service. The virtual family office model coordinates five primary pillars:

1. Wealth management – Investment strategy, portfolio construction, and retirement planning.
2. Tax planning – Advanced tax strategies designed to help minimize lifetime taxes.
3. Risk mitigation – Asset protection, insurance, and liability reduction planning.
4. Business advisory – Growth, succession, and exit strategies for business owners.
5. Legal and estate coordination – Coordinating with attorneys on trust structures, estate planning, and wealth transfer.

Faith-based investment options are also available for clients who want their portfolios aligned with specific values.

The firm often coordinates with clients' CPAs, attorneys, and other professionals so advice is integrated rather than fragmented across separate advisors.

Planning philosophy

• Coordinated advice: Portfolios, taxes, insurance, estate documents, and business interests are managed within one overarching plan so that decisions in one area do not create problems in another.
• Life-focused planning: Planning incorporates changing life circumstances, business growth, children and family needs, and evolving tax law.
• Continuous process: The plan is reviewed and adjusted over time rather than treated as a one-time document.

Investment management approach

• Uses institutional managers and portfolio structures similar to those used by endowments and large institutions.
• Incorporates direct indexing so taxes can be managed at the level of individual holdings rather than only at the fund level.
• Investment management is paired with continuous tax awareness rather than year-end-only tax work.
• Client assets are held at third-party custodians Charles Schwab, Fidelity, and Altruist, keeping custody separate from the advisory firm.

How a relationship begins

• New relationships typically begin with an introductory conversation focused on what a prospective client owns today and what is bothering them about the current arrangement.
• The firm also offers a Right Fit – Introduction Call with the founder to determine whether there is a mutual fit.
• Qualified families may then move into a deeper Discovery and Comprehensive Analysis process.

Prospective clients can use the scheduling and contact options on the firm's website to request an initial conversation.

One-time and modular financial plans

| Plan name | Summary of what it covers | Price as listed on site | | --- | --- | --- | | Total Financial Plan | Comprehensive plan that includes all financial plans for every aspect of your financial life. | $3,497.00+ | | Investment Analysis | Research and evaluation of your investment portfolio allocation and risk level. | $997.00 | | Financial Blueprint | Visual snapshot of household assets, insurance policies, and trust-owned assets in one place. | $497.00 | | Retirement Income Plan | Design of a tax-smart optimal retirement income plan to help generate income in retirement. | $2,497.00 | | Social Security Plan | Social Security Maximization Plan for deciding when and how to start Social Security benefits. | $747.00 | | Retirement Analysis | Determines whether you are currently on track to retire and not run out of money. | Price not listed on the site.

How these plans are delivered

• Plans can be purchased individually (one or several), rather than only as part of an ongoing investment management relationship.
• Meetings may be conducted by phone or video; the site notes that the firm is flexible regarding format.

To confirm current plan availability, detailed scope, and pricing, contact Polley Wealth Management directly using the phone, email, or contact forms listed on the website.

Polley Wealth Management specializes in serving:

• Successful professionals and executives
• Doctors, dentists, and attorneys who own private practices
• Entrepreneurs and business owners preparing for growth, succession, or exit
• Multi-generational families seeking comprehensive wealth preservation

The firm's services are intended for individuals and families with:

• At least $2M in investable assets, or
• At least $300K in annual income

The firm can also work with people preparing for liquidity events, business exits, or inheritances through specialized planning engagements.

How the firm is compensated

• Polley Wealth Management operates as a fee-based advisory firm.
• Fees may be structured as:
• A monthly membership fee,
• A percentage of assets under management, and/or
• A flat fee for advanced planning engagements.
• The firm does not provide complimentary comprehensive plans; it charges for strategic planning work in a manner comparable to how CPAs and attorneys charge for their professional services.

Fiduciary standard and independence

• The firm operates as an independent fiduciary and is required by law to act in clients' best interests.
• It is not a broker and does not rely on product commissions.
• There are no proprietary investment products or sales quotas described on the site; the emphasis is on transparent, advice-driven relationships.

Where clients are located

• Headquarters: Orlando, Florida.
• The firm serves many families across Florida and also works with clients nationwide.
• Technology and virtual meeting tools are used so clients can receive the same level of access and service regardless of location.

How to get started as a new client

1. Right Fit – Introduction Call

• The first step is a brief introduction call (often with the firm's founder, Sean Polley) to determine whether there is a mutual fit.

2. Discovery and Comprehensive Analysis

• Qualified families may then be invited into a deeper Discovery process and comprehensive analysis of their financial situation, goals, risks, and planning opportunities.

3. Ongoing relationship or project engagement

• Depending on needs, clients may engage the firm for ongoing private wealth management / virtual family office services or for specific planning engagements.

Prospective clients can request these steps using the scheduling and contact options provided on the website.

Referrals and ambassadors

• The firm welcomes referrals of friends, family, and co-workers.
• The Ambassadors page on the website includes a form that existing clients or contacts can use to introduce someone they believe the firm may be able to help.

Important disclaimer

The FAQ page notes that information provided by Polley Wealth Management is for educational purposes only and should not be considered individualized investment, tax, or legal advice.

Prospective and current clients are encouraged to consult with their own tax, legal, and other professional advisors before implementing any strategy.

Polley Wealth Management 250 N. Orange Ave., Suite 1116 Orlando, Florida 32801 United States

The address also appears as 250 North Orange Avenue, Suite 1116, Orlando, Florida 32801, United States on some pages.

Phone numbers

• Main phone: 407-337-1085 (sometimes shown as 407.337.1085)
• Toll-free: 844-337-1116 (shown as 844.337.1116 on some pages)

Email

• General contact / questions: info@polleywealth.com

Office hours

The website lists office hours as:

• Open today: 09:00 am – 05:00 pm (local time)

The site does not clearly specify which days of the week these hours apply to. Clients and prospective clients should call or email the office to confirm current hours, holiday schedules, and availability for in-person meetings.

Ways to get in touch or request a meeting

The website offers several ways to contact the firm:

• Contact forms to request a conversation or consultation.
• A form to request or schedule a Right Fit – Introduction Call with the firm's founder.
• Forms on specific pages (such as Financial Plans and Ambassadors) for inquiries about services or to introduce someone to the firm.

Prospective and current clients can use any of these methods, or call or email directly, to connect with Polley Wealth Management.

The firm recognizes that attorneys often:

• Have high and sometimes uneven income
• Face partnership capital requirements and variable distributions
• Participate in profit-sharing or deferred compensation arrangements
• Rely on complex firm retirement and benefit plans
• Carry professional liability exposure and business ownership risk

Polley Wealth Management's process is designed to coordinate these moving parts within one clear wealth strategy.

Law firm benefits and retirement planning

The firm helps legal professionals evaluate and coordinate:

• Law firm retirement and pension plans
• Profit-sharing and cash balance plans
• Deferred compensation arrangements
• Partnership contributions and capital calls
• Equity partner distributions
• Pension elections and payout choices
• Retirement income and Social Security strategies
• Tax-efficient saving and investment opportunities

The goal is to turn a complex compensation and benefits structure into a practical plan for long-term wealth building.

Investment management for attorneys

Investment strategy for attorneys is designed to reflect more than age and generic risk tolerance. It may also consider:

• Income level and variability
• Tax exposure
• Firm ownership and capital commitments
• Liquidity needs
• Retirement plans and time horizon

Services described on the website include:

• Personalized portfolio design
• Ongoing investment management
• Tax-aware asset placement
• Risk and diversification reviews
• Liquidity planning
• Retirement income planning
• Coordination of personal and firm-related assets

Proactive tax planning

High-earning attorneys may face significant federal, state, capital-gains, and business-related taxes. The firm's materials emphasize planning ahead so tax consequences are considered before decisions are finalized.

Areas of coordination can include:

• Estimated tax payments
• Retirement plan contributions
• Deferred compensation strategies
• Roth conversion strategies
• Charitable giving
• Capital gains and losses
• Business and partnership income considerations
• Estate and wealth-transfer planning

Risk management and asset protection

Polley Wealth Management highlights risk and asset protection for legal professionals, including review or coordination of:

• Disability income protection
• Life insurance
• Umbrella liability coverage
• Malpractice insurance coordination
• Business continuity planning
• Asset protection considerations
• Long-term-care planning
• Beneficiary and ownership reviews

When specialized legal or insurance expertise is required, the firm coordinates with qualified attorneys, CPAs, and insurance professionals.

Estate planning coordination

The firm helps attorneys and their families coordinate financial and estate planning decisions relating to:

• Wills and trusts
• Beneficiary designations
• Powers of attorney
• Healthcare directives
• Wealth-transfer strategies
• Charitable planning
• Business succession
• Multigenerational family planning

How attorneys engage the firm

Attorneys and legal professionals can schedule a confidential consultation or call using the contact and scheduling options on the website. The firm serves attorneys in Orlando, throughout Florida, and across the country.

The firm positions its services for owners who have built successful businesses and want to:

• Protect the wealth created through the business
• Convert business success into long-term personal and family financial security
• Plan for eventual exit, sale, or succession

The emphasis is on coordinated planning that aligns business decisions with personal financial goals.

Strategic growth and wealth-building

The website describes strategies aimed at helping business owners:

• Build customized investment portfolios and growth plans aligned with business cycles and cash flow patterns
• Use data-driven approaches to support long-term wealth creation
• Link business performance to a structured personal wealth strategy

Asset protection and risk planning

Polley Wealth Management highlights advanced asset protection planning to help safeguard:

• Business assets
• Personal wealth
• Family financial security

Examples of areas addressed include:

• Business entity structuring (in coordination with legal counsel)
• Insurance optimization
• Other legal and structural safeguards intended to reduce exposure to lawsuits, creditors, and economic downturns

Tax minimization strategies

The firm focuses on tax-aware planning for business owners, including:

• Structuring business and personal finances to reduce taxes within the law
• Coordinating retirement plans and other tax-advantaged strategies
• Integrating estate planning with overall tax planning
• Incorporating tax-efficient investment structures

Specific tax advice is coordinated with the client's CPA and other tax professionals.

Business succession and exit planning

Services for owners preparing for transition may include:

• Planning for a future sale, transfer to family, or transition to key employees
• Strategies intended to help maximize business value while managing tax impact
• Aligning succession decisions with family and retirement goals

Shareholder and partner alignment

For businesses with multiple owners, the firm can help:

• Clarify financial goals among partners or shareholders
• Support planning that aligns incentives and expectations
• Coordinate strategies to protect both company value and individual interests

Why business owners engage Polley Wealth Management

The website highlights several reasons business owners may choose the firm:

• Specialized focus on successful business owners and their unique challenges
• Comprehensive coordination of investments, taxes, insurance, estate planning, and business strategy
• Access to senior advisors and a limited client base to support personalized attention

Business owners can use the website's contact and scheduling options to request a Strategic Wealth Review, confidential assessment, or introductory call.

Ask anyway — the agent will say plainly that it is not published rather than guess.