Providing efficient strategies for preserving wealth and growing family wealth

Wealth Management

Personalized, Wholistic Wealth Management

While other types of advisors focus on only one aspect of your financial planning, wealth management provides an integrated approach to help you grow your assets, maintain wealth and leave a lasting legacy.

The Advantages Of Working With Our Wealth Management Team

More than simply investment advice, we combine several areas of financial guidance to fulfill your goals, now and into the future. As your wealth management team, we analyze the entirety of your financial picture to provide a personalized strategy across a spectrum of planning needs:

  • Personalized Retirement Planning
  • Indexed Annuities
  • Investment Advising
  • Medicare Supplement Insurance
  • Group & Individual Health Insurance
  • Estate Planning
  • Tax Planning
  • Life Insurance
  • IRA Legacy Planning
  • IRA & 401(K) Rollovers
  • Long-Term Care


How We Partner With You

We start by establishing a clear understanding of your entire financial situation. Then we work with you to identify and prioritize your financial needs and objectives. The next step is helping you understand the options and opportunities available to achieve your financial goals. From wealth transfer strategies and investment advice, to comprehensive financial and retirement planning, we develop customized solutions for every stage of your life.   

When you partner with us, it’s about developing a long-term relationship built on trust. We are committed to going above and beyond to address all of your questions and concerns to provide the attentive service you deserve.

Your Will ensures all of your assets are distributed the way you want. Without one, the court will decide how your assets will be divided. And if you have young children, it enables you to choose their guardian – not the family court. Keep in mind – a Will only covers property subject to probate. Assets that fall outside of probate that require naming a beneficiary are not subject to probate court.

A revocable Living Trust can be used to manage your assets if you become incapacitated and unable to make decisions. You can name a person you can count on as your Successor Trustee who can take over management of your assets until you are able to do so yourself. You can include instructions on how to distribute the trust assets after your death which makes a Living Trust a dual-purpose estate planning tool.

Did you know a General Power-of-Attorney document is null and void if you become incapacitated? That’s right – when you’re unable to make your own decisions, a Power Of Attorney document must include the term “durable” to show your intent and remain in effect. With a comprehensive DPOA, your selected agent can make decisions about your property, finances, investments, paying your bills, and sign documents on your behalf until you’re able to do so yourself.  

Advance Healthcare Directives help ensure your preferences for medical care or end-of-life treatment are respected. The official titles vary from state to state that’s why important to check your state law. These types of documents include:

  • Living Will
  • Durable Power of Attorney for Health Care (also known as Medical Power of Attorney or Health Care Power of Attorney)
  • Designation of Health Care Surrogate, or Health Care Proxy
  • Advance Directive – combines a Living Will and Power of Attorney for Healthcare

Life insurance is also an important component of your estate plan. It can provide tax-free protection for beneficiaries and it does not fall under the jurisdiction of probate court. In addition to being another asset in your estate plan, it helps eliminate the burden on your survivors who may need to cover immediate expenses related to your death.

Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated.


Pearce Financial Services does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance.

Ready to Take The Next Step?

For more information about any of the products and services listed here, schedule a meeting today or give us a call.