TQM Wealth Partners is a registered investment advisor based in Marblehead, Massachusetts, providing personalized financial planning and investment management services. Founded in 2016 and led by Marcel V. Quiroga, the firm offers broad-based and specialized planning services, including financial counseling, retirement and financial independence planning, and family wealth management. For investment management, TQM Wealth Partners creates customized portfolios based on each client's unique balance sheet, risk tolerance, and goals, operating on either a discretionary or non-discretionary basis. The firm also offers access to vetted third-party investment managers. TQM Wealth Partners emphasizes a globally diversified, long-term approach utilizing active management, core-plus-satellite strategies, and Modern Portfolio Theory. The firm works with individuals, high-net-worth clients, small businesses, foundations, and charitable organizations, acting legally in the best interest of its clients when providing retirement advice.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.30% |
| $1.0M - $2.0M | 0.90% |
| $2.0M - $3.0M | 0.80% |
| $3M+ | 0.70% |
Fees are negotiable. Accounts for the same individual or family members are aggregated for fee discounting.