Partner, Wealth Advisor

CFP®

Terri Munro

Terri R. Munro, CFP®, Partner and Wealth Advisor at Waverly Advisors, helps individuals, families, and business owners navigate financial complexity with clarity and confidence. Through a comprehensive, planning-first approach, Terri integrates investment management, tax-aware strategies, retirement planning, and estate coordination to help clients make thoughtful financial decisions that support both their immediate needs and long-term life goals.

With more than two decades of experience in wealth management, Terri has guided clients through complex financial decisions including retirement planning, business transitions, tax-aware investment strategies, estate planning, and philanthropic giving. Having worked extensively alongside CPAs and other professional advisors throughout her career, Terri brings a highly collaborative, tax-conscious perspective to wealth planning that helps clients make more informed decisions across all aspects of their financial lives. She is known for translating complexity into clarity through practical, thoughtful guidance tailored to each client’s evolving goals.

Specialization

Areas of Expertise

Portfolio Construction & Asset Allocation

Customized portfolio design aligned with risk tolerance and objectives.

Tax-Managed Equity Strategies

Tax-efficient investing including direct indexing and tax-loss harvesting.

Concentrated Position Management

Strategies for managing single-stock risk and equity compensation.

Holistic Wealth Planning

Integrated financial planning across investments, taxes, estate, and risk.

Retirement Planning & Income Strategies

Retirement income optimization, withdrawal strategies, and Social Security planning.

Cash Flow & Liquidity Management

Managing cash needs, budgeting, and liquidity across complex financial structures.

Philanthropic Planning & Donor-Advised Funds

Charitable giving strategies, foundation management, and donor-advised fund optimization.

Multi-Generational Wealth Planning

Family wealth continuity, values-based planning, and legacy design.

Core Real Estate Funds

Diversified, income-producing real estate investments.

Executive Compensation & Equity Planning

Stock options, RSUs, deferred compensation, and executive benefits.

Business Valuation & Sale Preparation

Business appraisal, sale readiness, and deal structuring.

Liquidity Events & Wealth Transition

Managing proceeds from business sales, IPOs, or liquidity events.

Advanced Estate Planning

Complex estate structures including trusts, GRATs, and dynasty planning.

Tax Optimization & Mitigation

Year-round tax planning, projections, and strategy implementation.

Estate Tax & Gift Planning

Federal and state estate tax mitigation and annual exclusion gifting.

Charitable Estate Planning

Charitable remainder trusts, charitable lead trusts, and foundation planning.

Divorce & Wealth Protection Planning

Asset protection during divorce, QDRO strategies, and marital estate planning.

Corporate Retirement Plan Advisory

401(k), 403(b), and defined contribution plan management.

Corporate Executives & C-Suite Advisory

Specialized planning for senior executives and board members.

Concentrated Wealth & Stock Positions

Managing large equity positions from IPOs, company stock, or founder shares.

Serving with Purpose

A Culture of Connection

Waverly takes its name from a meadow of quaking aspen trees, an ecosystem where individual trees are connected by a shared root system. Since 1999, that idea has inspired our firm: strong relationships, shared values, and the belief that we are better together.

Comprehensive Wealth Management, Connected by Design

Like an aspen grove, every part of a client’s financial life is interconnected. As an independent Registered Investment Advisor (RIA), we bring together investment management, financial planning, tax strategy, trust and estate planning, and family office services to create coordinated solutions that simplify complexity and support long-term success.

A Culture Rooted in Service

Our culture of stewardship is guided by Integrity, Family, Grace, Team, Drive, Empathy, and Community. These values shape every client relationship, every decision, and every interaction. They are the foundation that keeps our people connected and ensures a consistent, high-touch experience across the firm.

The Difference Is Our People

While many firms offer financial advice, our greatest differentiator is our people. Waverly’s advisors, planners, investment professionals, tax specialists, and support teams work together to deliver thoughtful guidance and personalized solutions. It is this collaborative approach, and our commitment to serving clients with excellence and care, that transforms financial advice into lasting relationships.

Education

Bachelor of Arts in French and International Studies
Birmingham-Southern College
Certificate in Financial Planning, Boston University

Professional Affiliation

CERTIFIED FINANCIAL PLANNER® Professional Past President and former Chair,
Financial Planning Association of Georgia Member,
Atlanta Estate Planning Council Cobb Community Foundation Advisory Board
Graduate
Community Foundation for Greater Atlanta Philanthropic Advisor Leadership Institute Children’s Healthcare of Atlanta Legacy Advisor

Community Involvement

Waverly Women mentor, supporting the development of emerging female advisors
Wheeler High School Men’s Volleyball Coach (2022–2025)
Past President and board member, Bennett Thrasher Women’s Leadership and Development Committee
United Way VIP Graduate

Ask Me About

Tax-aware wealth planning
Business owner transitions and liquidity event planning
Executive compensation and corporate benefits strategy
Retirement readiness
Estate and charitable planning
Women and financial leadership

Published by Terri Munro

Blogs

Estate Planning

Exit Planning Strategies for Your Business

In this instructional presentation, Terri Munro, CFP®, Partner at Waverly Advisors, LLC, and Gina Miller, Partner at Bennett Thrasher, discuss key concepts...