Our Services

Our wealth management team offers a comprehensive suite of services designed to help clients pursue their financial goals and secure their future. We provide comprehensive financial planning to create personalized strategies that address all aspects of our clients’ financial lives. Our retirement planning services are designed with the goal that clients can enjoy a comfortable and financially confident retirement, while our investment management expertise helps grow and preserve their wealth through carefully selected and diversified portfolios.

Unlike many firms, where a single investment team oversees the portfolios of thousands of clients without necessarily knowing the specific details of each account, our dedicated in-house Investment Team focuses exclusively on your investments. This allows us to have a deeper understanding of your unique financial situation and provide a more personalized and attentive service tailored to your individual goals.

We also offer estate planning to help clients preserve their legacy and pass on their assets in a tax-efficient manner. Additionally, our philanthropic services enable clients to make meaningful contributions to the causes they care about, creating a lasting impact on their communities and beyond.

Together, these services form a holistic approach to wealth management, tailored to meet the unique needs and aspirations of each client.

Financial Planning

Financial planning is more than just reviewing your investments and balancing your portfolio. If you are truly committed to building your wealth and working towards your financial goals, there are a variety of areas to address. The advisors at Pence Wealth Management have the skills and experience necessary to guide you through financial planning in today’s complex marketplace.

It’s common for inexperienced financial planners to advertise wealth management expertise, but the truth is that most don’t use this term correctly. They work with you to maximize short-term investment performance, which is more accurately described as money management. For true wealth management, you need integrated investment planning that considers all aspects of your financial world. From tax and risk management to addressing long-term financial goals, integrated investment planning ensures you are well-prepared to take on challenges.

Choosing a financial planner isn’t just about assets. Our skilled professionals are focused on creating strategies that seek your long-term success. Here are some of the financial planning services we offer:

  • Tax Planning
  • Cash Flow Analysis
  • Insurance
  • Long Term Care
  • Annuities
  • Education Planning
  • Business Succession Planning

Retirement Planning

You never know what the future may hold, but you can certainly put plans in place that align with how you’d like your retirement to be. We work closely with our clients to understand their vision for the future and tailor our services accordingly. Whether that vision involves spending more time with family, traveling the world or relocating, we’ll build a financial plan that makes your money work harder until the day you retire and beyond.

Regardless of when you hope to retire, putting a retirement strategy in place now will help you understand you may outlive your savings or have to compromise on your future plans due to lack of funds. With over 30 years of experience in retirement planning and wealth management, our professionals can help you to make the decisions that will help work towards maximizing your retirement fund and allow you to transition into retirement with confidence.

Our retirement planning services consider risk and reward in equal amounts. That means we build contingencies into your plan that help to offset economic fluctuations, take tax considerations into account and which adapt to unexpected changes in your personal life.

Our advisors can help you with:

  • IRAs
  • 401(K), 403(B), 557 Plans
  • Distribution Planning
  • Defined Contribution Plans
  • Defined Benefit Plans

Investment Management

We believe our team is special because of our people. Highly skilled professionals who bring diverse perspectives, passion, and a commitment to excellence in everything we do. Our investment team approaches markets through a unique lens, integrating expertise in behavioral finance with the strategic insights gained from our Chief Investment Officer’s distinguished career as a Military Intelligence Officer specializing in psychological warfare. This combination allows us to analyze market dynamics and capitalize on human decision-making patterns to drive innovative investment strategies.

Our investment management services help our clients to put practical plans into place today for pursuing tomorrow’s dreams. It’s about delivering financial confidence about the future, knowing that your investment goal – whether it’s retirement or paying for your kid’s college fees – is in capable hands.

To achieve this, we work hard to understand our client’s unique needs, objectives, and attitudes to risk. Only once this has been achieved can we create and execute a focused and practical investment plan to help our clients work towards their unique goals.

We use a wide range of strategies that seeks to conserve and grow our client’s wealth while maintaining an acceptable level of volatility. Our services and competencies include:

  • Choke Point Investing™
    • We identify choke points within supply chains and invest in the businesses with the resources, expertise, and leadership to take advantage of those opportunities
  • Discretionary Portfolio Management
    • Your investments should support your goals, not distract you from them. Our Discretionary Portfolio Management enables our clients to pursue their investment goals while we take care of the details
  • Asset Allocation1
    • By optimizing your asset allocation, we support your investment goals and manage your volatility
  • Diversification2
    • We use effective diversification strategies to ensure you are not overexposed to any one company, industry, geo-location, or asset class
  • Risk Assessment
    • We work with you to establish your attitude to risk and to create an investment strategy that aligns with it
  • Tax Loss Harvesting
    • We help you assess your tax liabilities as we work with you to reduce your tax burden

Estate Planning

One of the most emotionally thought-provoking aspects of a person’s life is probably estate planning. Nonetheless, a well-crafted estate plan is imperative to a great succession. With end-of-life planning being morbid, estate planning is the best way to protect your family and property. It is also the best way to leave behind a great legacy with continuity.

While you might have an estate plan in place, does it have the essential components to make the plan wholesome? Various things must feature in your estate plan to achieve its purpose. Regardless of how gloomy it seems, everything will fall in place provided you acquire experienced wealth management services. Our wealth management services include the following:

  • Will and Trust Review
  • Multi-Generational Wealth Management
  • Charitable Giving
  • Family Limited Partnerships

Philanthropy

We offer a full suite of philanthropic services to foundations, donors and non-profits—including strategic planning, asset management, and administrative resources. Our focus is to help you empower your impact and help you select the best course for your philanthropic activity. We support you to maximize the benefit to the causes you choose to support and your personal and financial goals.

We can help you with:

  • Donor Advised Funds
  • Asset Gifting
  • Charitable Remainder Trusts 
  • Charitable Lead Trusts
  • Bequests 
  • Investment Policy Statement (IPS) Reviews

1 Asset allocation does not ensure a profit or protect against a loss.

2 There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Pence Wealth Management and LPL Financial do not offer legal advice or services.

Request An Appointment

At Pence Wealth, we believe that good financial decisions don’t have to be confusing.

If you have any questions or want to schedule a complimentary meeting to discuss your specific questions, please do not hesitate to contact us.