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Who We Are

Our Human Capital

We have over 100 years of combined Investment Experience.

In this challenging economy, you may be in a complex situation, have never received professional advice, or are just unhappy with the advice from your current financial advisor - It's not uncommon.   Whether you have five thousand dollars or five million dollars, you have money questions. Many have told us that they want to be assisted with their finances but don't know where to begin.  

At Total Wealth Advisors, our goal is to give you complete control of your Total Wealth Picture™. We respect the wishes of each client and our mission is to help you create and control your Total Wealth Picture™. Often financial advisors focus on one thing like the best product or stock to invest in, we focus on your Total Financial Well-Being.


Paul J. McCoy, CIMA®, AIF®  Photo Paul J. McCoy, CIMA®, AIF®  Hover Photo
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Paul J. McCoy, CIMA®, AIF®

Founder & President

Paul  McCoy, CIMA®

President & CEO

Paul's investment career began more than 28 years ago when he opened one of the first offices in St Paul, Minnesota for Edward Jones.  During this time, he served in a number of leadership roles and had an active role in recruiting, training, and mentoring financial advisors in the Minneapolis/St. Paul area. In addition, he served as Public Relations Specialist for local and national media. 

In 2001, Paul became a Regional Manager for Lord Abbett and was responsible for sales distribution to wirehouses, regional banks, and independent broker-dealers throughout Minnesota, North Dakota, South Dakota, and parts of Wisconsin. Paul consulted with Institutional clients, trusts, endowments, foundations, and individual clients during this time.  His in-depth knowledge and experience give him a unique perspective on how investment firms manage money for clients. 

Paul is the founder of Total Wealth Advisors, LLC, which began in 2012. He founded the firm on a simple premise - to be a fee-only financial advisory firm where each client has their own unique goals and objectives, where financial planning, investment management, risk assessment, tax, and estate planning all come together to create a Wealth Advisor for you and your family. 

Paul is an active member of the Investments &  Wealth Institute (formerly called IMCA), an industry group that educates and lobbies for standardization of reporting, analysis, and ethics in investment management. 

Paul has a BS in Finance from Minnesota State University. He is also a holder of the Certified Investment Management Analyst® (CIMA®) designation from the Wharton School of the University of Pennsylvania. 


-Retirement Planning

-Business Planning 

-Cash Balance Plans

-401(k) Plans

Suzy McCoy Photo
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Suzy McCoy

Co-Owner and CCO

Suzanne McCoy

Co-Owner, CCO

Suzy started her career in banking after college at the University of Montana and then the University of Minnesota. As a banker, she learned the financial system and worked with individuals, small business owners, trusts, and endowments.  

Several years into her banking career, Suzy became an Investment Consultant with the bank and worked on the institutional dealer desk and the fixed income desk where she gained extensive knowledge across all dimensions of the bond market. As an Investment Consultant, she applied this knowledge to her individual and institutional clients.

In 1994 she started as a Financial Consultant with RBC Wealth Management and became a Vice President in 1997. In 2007 she joined UBS Wealth Management as a Vice President where she continued working with individuals, small business owners and institutions on investment planning, financial planning, tax and estate planning. In 2012 she joined Total Wealth Advisors as a Managing Director to pursue her lifelong goal of working as an independent Registered Investment Advisor and providing a fiduciary standard of care to all of her clients.

Suzy has extensive experience in the special needs community doing planning for individuals and families. Her volunteer work with Courage Kenny Sports, Fraser, St Davids, Miracle League, NAMI Minnesota and her involvement with PACER, have provided invaluable knowledge in this area. Having a special needs child of her own gives her the passion for the future of all people with disabilities.


-Special Needs Planning

-Financial Planning

-Transition Planning 

-Special Needs Trusts 

-Business Succession Planning