TFW Advisors Franchise Cost, Revenue & Review 2026
Data from FDD filing
Analysis by FranchiseVerdict Research · Methodology
TFW Advisors is a financial services franchise providing business advisory and financial consulting to small businesses and individuals. Franchisees run local practices, managing client relationships and advisory services.
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). FranchiseVerdict grade: C (Average), an editorial assessment, not investment advice. Run a live ROI scan →
Data last verified · figures per the 2025 FDD issuance
Overview
- Investment
- $70K – $280K
- 48th pct Financial Ser…
- Avg gross sales
- N/A
- Royalty
- 10.0%
- 7th pct Financial Ser…
- Units
- 9
- 18th pct Financial Ser…
- SBA charge-off
- N/A
Quick verdict · Financial Services · color = vs category peers
Green = favorable by >10% vs Financial Services avg · No shading = within ±10% · Red = unfavorable by >10% · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
Bottom line
- COSTTotal investment $70K – $280K including a $35K franchise fee, 10.0% ongoing royalty.
- RETURNSNo Item 19 financial performance data disclosed. The franchisor chose not to publish revenue figures.
- RISKVerdict C (Average), verdict score 40/100 (higher is better).
- DATANo Item 19 financial performance representation. Without franchisor-disclosed revenue data, you'll need to gather unit economics directly from existing franchisees.
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- TFW Franchising, LLC
- Parent company
- WealthAbility Network LLC
- Predecessor
- WA Franchising, LLC
- Prior franchisor entity
- CEO title
- CEO
- Tom Wheelwright
- Incorporated in
- Arizona
- HQ
- 2402 S. Rural Rd., Ste 203, Tempe, Arizona 85282
- Auditor
- A&G LLP
- Audited financials
- Franchisor revenue
- $118K
- vs $778K prior year
Affiliated brands
- Wheelwright Manahan
- Timeless Innovations
- WealthAbility
Other brands the franchisor or its parent operates (Item 1).
Overview
About
- CEO
- Tom Wheelwright
- Headquarters
- AZ
- Founded
- 2023
- FDD year
- 2025
- States available
- 7
Can you afford it, and what does the money buy?
Entry cost runs 34% above the typical financial services franchise.
Source: FDD 2025 · Items 5–7
Full Item 7 breakdown16 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
- Middle of category vs category
- Liquid capital req'd
- $8K – $17K
- Middle of category vs category
- Franchise fee
- $35K – $35K
- Top 40% of category 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 |
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
TFW Advisors did not disclose financial performance in FDD Item 19. The ROIC and return models require Item 19 revenue. Without it all inputs are estimates. You can still run the calculator with your own assumptions by entering an expected revenue figure.
Returns model · single-unit ROIC
What would one TFW Advisors unit return on the cash you put in?
Unlevered ROIC · per unit
Estimated return on your total franchise investment, before any debt financing.
32%
Within the 30–60% "attractive franchise" band
These models are for research and scenario planning only. Not investment advice. Actual results depend on your specific location, management, and market conditions. Consult a franchise attorney and accountant before signing any franchise agreement.
Item 19 · Source: 2025 FDD
Financial Performance
This franchisor did not disclose financial performance representations in Item 19, or our extractor could not parse them.
Operator outlook
What the numbers say
Data-driven interpretation of this brand's financial disclosures, fee structure, and system trajectory.
Fee burden
Total ongoing fee load of 15.0% (near the Financial Services average).
Disclosure
Franchisor chose not to disclose financial performance representations. You will need to gather unit economics directly from existing franchisees.
Source: FDD Item 19 financial performance representations and publicly filed FDD data. Past performance is not indicative of future results. Verify all figures with the franchisor and current franchisees before making any investment decision.
vs Financial Services averages
How TFW Advisors Compares
Is the system healthy?
Source: FDD 2025 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 9
- Opened
- 5
- Last reporting year
- Closed
- 2
- Terminated
- 0
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 0
- Term expired, not renewed (per Item 20)
- Turnover rate
- 0.0%
- Company-owned
- 0
- Corporate units in the system
- % franchised
- 100%
- vs corporate-owned
3-year detail · Item 20
- Opened (3yr)
- 0
- Closed (3yr)
- 0
- Terminated (3yr)
- 0
- Non-renewed (3yr)
- 0
- Transfers (3yr)
- 0
- Reacquired (3yr)
- 0
- Franchisor bought back
Last reporting year only, multi-year history not disclosed in this brand's FDD.
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).
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.
What could kill this investment?
Source: SBA 7(a) FOIA · FDD Items 3, 21
Risk analysis
FranchiseVerdict rating + FDD Items 3, 4, 8, 16, 21
Risk & Legal
Financial/tax services franchisor (2023) flagged for financial distress with negative net worth of -$449,120 and net loss of -$370,170. No litigation, bankruptcy, or going-concern note, and financials are audited. 9 franchised units with a stable base (net growth +0.1%, 0% turnover).
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
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 40 / 100 verdict
- 01MINORNegative franchisor net worth -$449,120
- 02MINORNet loss -$370,170; financial distress flagged
- 03MINORNo Item 19
- 04MINORNo litigation/bankruptcy/going-concern; audited; stable unit base
Severity inferred from the FDD text · not a regulatory classification
What are you signing up for?
Ongoing fees run about 15.0% of sales (royalty + ad fund), before rent and labor.
Source: FDD 2025 · Items 11, 12, 17
FDD Items 12, 15, 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 Item 19 in the TFW Advisors FDD?
The FDD section where a franchisor may disclose financial performance of its outlets. Disclosure is optional and formats vary; figures are typically gross sales, which is revenue before expenses, not profit. FranchiseVerdict extracts these figures directly from the TFW Advisors FDD and qualifies whose outlets they describe.
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 9 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 C-grade franchise with a verdict score of 40 out of 100 (higher is better), 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.
For franchisors
Are you the franchisor?
If you represent TFW Advisors, you can request corrections or provide updated information.
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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.