Business Details
10 Years
experience
Your Trusted Financial Advisers in Marblehead, MA
TQM Wealth Partners acts as a personal CFO for high-income earners and high-net-worth individuals, helping them make financial decisions rooted in personal values to cultivate long-term prosperity. Founded in 2016, our team holds Certified Financial Planner (CFP) and Retirement Management Advisor (RMA) credentials, bringing over 25 years of combined expertise in wealth management. We deliver investment guidance shaped by tailored Comprehensive Financial Plans, focusing on protecting and growing wealth efficiently. Our approach integrates advanced planning strategies, industry best practices, and a network of professional partners to provide best-in-class service. As a family-operated business, we treat client successes and challenges as our own, prioritizing trust, transparency, and personalized counsel to help clients lead fulfilling lives.
Services
Comprehensive Financial Planning
Investment Management
Business Planning
Insurance Management
Legacy Planning
Family Wealth Program
Details
- Year established: 2016
Highlights and features
- Financial planning
- Investment Management
- Business Planning
- Financial Counseling
- Family Wealth Program
- Wealth and Special Needs Planning
Associations and certifications
- Certified Financial Planner (CFP)
- Retirement Management Advisor (RMA)
Services
Comprehensive Financial Planning
Our Comprehensive Financial Planning creates a roadmap for long-term prosperity by aligning financial decisions with personal values. We assess assets, liabilities, and goals to develop strategies for tax efficiency, risk management, and legacy preservation. This service empowers clients to make informed decisions that protect wealth while supporting lifestyle aspirations and intergenerational transfers.
Investment Management
Investment Management tailors asset allocation to individual financial plans, balancing growth and risk mitigation. We employ research-based strategies, tax-loss harvesting, and diversified portfolios to meet spending goals while minimizing volatility. Our approach ensures investments align with clients' long-term objectives and ethical considerations.
Legacy Planning
Legacy Planning preserves wealth through customized estate strategies that reduce tax burdens and protect assets. We collaborate with legal experts to implement trusts, charitable giving, and business succession plans, ensuring clients' wishes are fulfilled while safeguarding family financial security across generations.
Family Wealth Program
The Family Wealth Program fosters healthy financial relationships across generations. Through education, philanthropy planning, and family governance strategies, we help clients instill financial literacy and stewardship ethics, ensuring sustainable wealth management and meaningful legacy creation for future family members.
Business Planning
Business Planning supports entrepreneurs with exit strategies, risk mitigation, and asset protection. We develop succession plans, optimize business valuations, and coordinate with legal advisors to ensure seamless transitions during mergers, acquisitions, or generational transfers while aligning personal and commercial financial goals.
People
Marcel V. Quiroga
Founder and CEO
Marcel founded TQM Wealth Partners in 2016 with 25+ years of financial advisory experience. A Certified RMA and former Merrill Lynch/Morgan Stanley advisor, she specializes in legacy planning and holds a BSc in Business Administration. Active in community leadership, she founded The Legacy Dialogues initiative.
Jordi A. Bakovic
Wealth Adviser
Jordi joined TQM in 2017 and became a CFP professional with expertise in financial independence strategies. He focuses on high-net-worth family planning and serves as Toastmasters President. Holds advanced knowledge in risk management and educational workshop facilitation.
Miguel A. Rios
Wealth Adviser
Miguel joined TQM in 2020 with 16+ years in financial risk management. A CFP professional holding a Master of International Business, he specializes in anti-money laundering compliance and serves on the Great Neck Rotary Club board while managing comprehensive wealth plans.
Alexandra L. Bakovic
Program Manager
Alexandra leads The Legacy Dialogues program since 2025. With a Master in Health Education, she brings 10+ years of sports medicine leadership experience from Yale and Colgate University, focusing on mental health initiatives and community health education programs.
Questions
What services does TQM Wealth Partners offer?
We provide comprehensive financial planning, investment management, legacy planning, business planning, insurance management, and family wealth education tailored to high-net-worth individuals and families.
How does TQM approach financial planning?
Our approach begins with a Comprehensive Financial Plan that aligns investments, tax strategies, and legacy goals with personal values, using industry best practices and customized risk management techniques.
What credentials do TQM advisors hold?
Our team includes Certified Financial Planners (CFP) and Retirement Management Advisors (RMA) with decades of combined experience in fiduciary financial advisory services.
How does TQM support family wealth transfer?
We offer specialized family wealth programs that include financial education, philanthropy planning, and governance strategies to ensure sustainable intergenerational wealth management and legacy preservation.
Is TQM Wealth Partners regulated?
Yes, we are a registered investment adviser firm domiciled in Massachusetts, operating under SEC regulations and maintaining fiduciary standards across all client engagements.
What areas does TQM serve?
We operate in Massachusetts, New York, and Florida, providing services to clients nationwide through virtual consultations and personalized advisory relationships.
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