TFW AdvisorsFranchise Cost, Revenue & Review 2026
Data from FDD filing
FranchiseVerdict summary · 2026
A TFW Advisors franchise requires a total initial investment of $70K – $280K, including a $35K franchise fee and an ongoing 10.0% royalty[2]. The 2025 FDD does not disclose unit-level revenue (no Item 19). Verdict grade: D. Run a live ROI scan →
Data last verified June 18, 2026 · figures per the 2025 FDD issuance
Overview
- Investment
- $70K – $280K
- 39th pct Financial Ser…
- Avg gross sales
- N/A
- 30th pct Financial Ser…
- Royalty
- 10.0%
- 9th pct Financial Ser…
- Units
- 9
- 14th pct Financial Ser…
- SBA default
- N/A
Quick verdict · Financial Services · color = vs category peers
Green = >15% above Financial Services avg · No shading = within ±15% · Red = >15% below avg · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
Started franchising in 2023. Newer systems carry more uncertainty but may offer better territories.
The franchisor's auditor raised doubt about continued operations. This is a serious risk signal.
Bottom line
- Total investment $70K – $280K including a $35K franchise fee, 10.0% ongoing royalty.
- No Item 19 financial performance data disclosed. The franchisor chose not to publish revenue figures.
- Verdict D (Below Average) with a risk score of 70/100.
- Auditor disclosed a going-concern note, which flagged doubt about the franchisor's ability to continue operations. Verify against the latest FDD.
Item 1 · who you're contracting with
The Franchisor
- Legal entity
- TFW Franchising, LLC
- Parent company
- WealthAbility Network LLC
- Incorporated in
- AZ
- HQ
- 2402 S. Rural Rd., Ste 203, Tempe, Arizona 85282
- Auditor
- A&G LLP
- Audited financials
- Franchisor revenue
- $118K
- vs $778K prior year
- ⚠ Going-concern note
- Disclosed in FDD 2025
- Auditor flagged doubt about continued operations. Verify against the latest FDD before deciding.
Affiliated brands
- Wheelwright Manahan
- Timeless Innovations
- WealthAbility
Other brands the franchisor or its parent operates (Item 1).
Overview
About
TFW Advisors franchisees operate as independent financial/business advisors or consultants, likely providing guidance to small business owners or individuals. Day-to-day activities typically include client meetings, business plan development, advisory services delivery, and business development. The protected territory model suggests geographic exclusivity for client acquisition and service delivery.
- CEO
- Tom Wheelwright
- Headquarters
- AZ
- Founded
- 2023
- FDD year
- 2025
- States available
- 7
FDD Item 7 · 2025 filing · 16 line items
Initial investment breakdown
| Line item | Low | High | |
|---|---|---|---|
| Initial Franchise Feenot refundable | $35K | $35K | |
| Furniture, Fixtures and Signagenot refundable | $0 | $25K | |
| Office Equipmentnot refundable | $1K | $5K | |
| Computer Systemnot refundable | $20K | $100K | |
| 3 Months' Lease Paymentsnot refundable | $0 | $8K | |
| Leasehold Improvementsnot refundable | $0 | $25K | |
| Utility and Security Deposits | $0 | $2K | |
| Licenses and Permitsnot refundable | $0 | $3K | |
| Insurancenot refundable | $5K | $25K | |
| Professional Feesnot refundable | $500 | $5K | |
| Architectural Designnot refundable | $0 | $5K | |
| Office Equipment and Suppliesnot refundable | $0 | $10K | |
| Initial Training Feesnot refundable | $0 | $10K | |
| Grand Opening Programnot refundable | $500 | $5K | |
| Technology Feenot refundable | $500 | $2K | |
| Additional Funds - 3 Monthsnot refundable | $8K | $17K | |
| Total initial investment | $70K | $280K |
Line items extracted from FDD Item 7. Ranges reflect the franchisor's stated low and high per line. Total is the sum of line-item lows / highs — actual costs may fall outside this range depending on market and build-out scope.
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $70K – $280K
- Better than avg vs category
- Liquid capital req'd
- $8K – $17K
- Near category avg vs category
- Franchise fee
- $20K – $35K
- Better than avg vs category
- Royalty
- 10.0%
- Gross Revenue · typical 6–8%
- Ad fund
- 5.0%
- typical 3–5%
- Total fee load
- 15.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 10.0% of gross sales |
| Marketing / ad fund | 5.0% of gross sales |
| Technology fee | $6K |
| Transfer fee | $4K |
| Renewal fee | $10K |
| Total fee load | 15.0% of rev |
Financial Performance
This franchisor did not disclose financial performance representations in Item 19, or our extractor could not parse them.
vs Financial Services averages
How TFW Advisors Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 9
- Opened
- 5
- Last reporting year
- Closed
- 2
- Turnover rate
- 22.2%
- Company-owned
- 0
- Corporate units in the system
- % franchised
- 100%
- vs corporate-owned
- Net growth (yr3)
- +50.0%
- Net unit change last year
3-year detail · Item 20
- Opened (3yr)
- 3
- Closed (3yr)
- 0
- Terminated (3yr)
- 0
- Non-renewed (3yr)
- 0
- Transfers (3yr)
- 0
- Reacquired (3yr)
- 0
- Franchisor bought back
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 8 states with active franchisees
The Territory Map
Derived from franchisee contact records. Shows states with at least one current operator. Not where the franchisor is registered to sell new units (that data is re-extracting in a future refresh).
States derived from franchisee contact records (FDD Item 20). Shows states with at least one current operator on file. Full state registration data (Item 12) will appear on a future FDD refresh.
Available to sell in · Item 12
- California
- Michigan
- New York
- South Dakota
States where the franchisor is registered to sell new franchises (FDD registration filings).
Fast growth in a small system. Newer franchisors expanding quickly may not yet have the support infrastructure of larger systems.
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
No SBA loan data available for this brand.
Risk analysis
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
TFW Advisors is a nascent, under-disclosed franchise with extreme lack of financial transparency, minimal unit count, and unclear path to profitability for franchisees.
Litigation (Item 3)
0 case reference(s): 0 pending, 0 settled.
Largest disclosed settlement: $35,000
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · A&G LLP⚠ Going-concern note flagged
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Supplier relationship · Items 8 & 16
- Franchisor sells you products: No
- Must buy proprietary products: No
- Restricted to system-approved products: No
Score breakdown · what drove the 70 / 100 rating
- 01MEDNo average revenue or net income disclosed (Item 19 missing) — impossible to validate ROI claims or unit economics
- 02MEDOnly 9 units system-wide represents extremely small franchise network with limited proven scalability
- 03MINOR50% YoY growth rate is unsustainable and suggests very recent launch or aggressive recruiting to mask slow adoption
- 04MINORHigh royalty rate (10%) combined with $35,000 upfront fee creates significant fixed cost burden before profitability is demonstrated
- 05MINORWide investment range ($70K–$279.5K) indicates highly variable startup costs with unclear cost drivers and potential hidden expenses
Severity inferred from the FDD text · not a regulatory classification
FDD Items 5, 6, 12, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 5 years |
|---|---|
| Renewal term | 5 years |
| Allowed renewalsℹ | 2 |
| Territory type | Radius |
| Protected territory | Yes |
| Online sales rights | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 2 years |
| Right of first refusalℹ | Yes |
| RoFR response window | 30 days |
| Termination notice | 30 days |
| Termination groundsℹ | 1 |
| Curable defaultsℹ | 2 |
| Mandatory arbitration | Yes |
| Jury trial waiver | Yes |
| Governing law | Arizona |
| Litigation count | 0 |
View Item 3 litigation summary
0 case reference(s): 0 pending, 0 settled.
Items 10, 11
Training & Operations
- Classroom training
- 31 hrs
- On-the-job training
- 0 hrs
- Training location
- On-site and corporate
- Franchisor financing
- Offered
- Item 10
- POS system
- TFW Advisors Roadmap
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: TFW Advisors Roadmap
Item 20 · call current owners
Franchisee Contacts
10 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
TFW Advisors · FDD (2025) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a TFW Advisors franchise?
The total investment to open a TFW Advisors franchise ranges from $70K – $280K, with an initial franchise fee of $35K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do TFW Advisors franchise owners earn?
TFW Advisors does not disclose average franchise owner earnings in their FDD Item 19. Not all franchisors are required to make financial performance representations. We recommend asking existing franchisees directly about their financial experience.
What is TFW Advisors's franchise failure rate?
SBA 7(a) loan charge-off data is not available for TFW Advisors (fewer than 10 loans on file). Charge-off rates are one way to gauge franchise risk, but not all franchise loans go through the SBA program. We recommend reviewing turnover and closure data in the FDD and speaking with current franchisees.
How many TFW Advisors franchise locations are there?
As of their most recent FDD filing, TFW Advisors has 9 total units in the United States, including 0 franchised units and 0 company-owned units. 5 new units were opened in the latest reporting year.
Is TFW Advisors a good franchise to buy?
FranchiseVerdict rates TFW Advisors as a D-grade franchise with a risk score of 70 out of 100, based on our analysis of investment costs, revenue data, SBA loan performance, and growth trends. Our rating is based solely on publicly available FDD and government data; we recommend speaking with current franchisees before making any investment decision. This is not investment advice.
Data sourced from public FDD filings and SBA 7(a) FOIA records. Not financial advice.
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Data extracted from public FDD filings and SBA 7(a) loan disclosures (FOIA). This information is provided for research purposes only and does not constitute financial, legal, or investment advice. Verify all figures with the franchisor's current Franchise Disclosure Document before making any investment decision.