Your wealth. Your family. One complete plan.
Your wealth. Your family. One complete plan.
Every Part of Your Wealth Should Work Together
We specialize in comprehensive wealth planning for business owners, farmers, landowners, affluent retirees, and family wealth stewards, with a focus on coordinating investments, risk, liquidity, and asset security through one clear process.
A complimentary 45-minute introductory conversation with no obligation to proceed.
A complimentary 45-minute introductory conversation with no obligation to proceed.
ADRIAN C. SPITTERS, CFP®, FCSI®, CEA
Meet
Adrian C. Spitters
President and Private Wealth Advisor, PFC Wealth Solutions™
Adrian C. Spitters, CFP®, FCSI®, CEA, known as The Son of a Dutch Farmer, has worked with business owners, farmers, professionals, affluent retirees, and family wealth stewards since 1987.
His Black Monday beginning shaped a principle that anchors his work: market value and financial security are not the same.
He is the author of four books, co-author of It Starts With Gold™, and co-founder and publisher of The Merrick Spitters Reset Report™.
Through The Merrick Spitters Asset Security Framework™, he helps clients see wealth as one connected system, built to preserve meaningful choice through change.
Protecting Wealth Takes More Than a Portfolio.
We bring your investments, retirement income, taxes, insurance, business, property, estate, and family goals into one clear plan.
Nearly four decades of advisory experience. One advisor who understands the whole picture. Independent specialists when needed.
How We Bring Your Financial Life Together
How We Put Your Money to Work
How We Protect What You Built and Carry It Forward
How We Plan for Real Estate, Gold and Family Wealth
Let’s Start With the Whole Picture
Tell us what you are building, what you want to protect, and where you need greater clarity.
Estate, succession or cross-border questions?
When these decisions call for additional specialist coordination, Adrian can introduce you to Peter J. Merrick, TEP®, through Merrick Wealth™. Peter focuses on estate, succession and cross-border planning, coordinating the appropriate legal, tax and insurance professionals. Merrick Wealth™ is a separate professional practice.
Each practice is responsible for its own services, agreements and applicable disclosures. Any referral arrangement and compensation are disclosed where applicable. View relationship disclosures
ONE FRAMEWORK. THREE CORE COMPONENTS.
The Merrick Spitters Asset Security Framework™
Wealth security depends on more than what you own. It also depends on how assets are ordered, the role each one plays and whether ownership can continue through change.
Built from the combined work of Adrian C. Spitters and Peter J. Merrick, the Framework connects Owning Assets in Order of Asset Security™, The Five Pillars of Asset Security™ and The Five Pillars of Succession Security™.
Through PFC Wealth Solutions™, Adrian uses the Framework to help business owners, farmers, landowners, affluent retirees and their families identify structural gaps, coordinate independent specialists and prepare assets, businesses and family ownership for the next generation. This connects each decision to one complete family plan.
control • access • independence • continuity
Order what you own. Give every financial job a clear home.
Prepare ownership for succession.
See how the three core components work together
TWO DISTINCT roles
Advisory & Education
Our practice maintains a clear separation between actionable private wealth advisory and foundational financial education.
A BRIEF OVERVIEW OF HOW WE HELP OUR CLIENTS
How We Help Clients
Most financial plans begin with one question: How much can your money earn?
That matters, but it is not the first question. The first question is: How secure is what you already own?
A strong balance sheet can hide risks. Too much wealth may depend on one market, institution, property, business, or form of ownership. Investments, tax planning, insurance, and estate arrangements may each look sound on their own. If they are not connected, gaps can remain hidden. A market correction, tax bill, business transition, family event, or cross-border change can expose them.
We bring decades of experience in wealth, estate, succession, and cross-border planning. We have learned that market value and financial security are not the same. Security begins by understanding what you own, how it is held, who controls it, when you can access it, and how it supports your family and purpose.
Owning Assets in Order of Asset Security™ introduces our five-pillar framework. It brings these questions into one coordinated family plan. Inside this complimentary guide, you will discover four tests every asset should pass: Control, Access, Independence, and Continuity. You will see how the five pillars work together. They cover physical gold and silver, private assets, professional management, tax planning, insurance, estate planning, succession planning, and cross-border planning.
You do not need more disconnected products or another sales pitch.
You need a clear view of what is strong, what may be exposed, and what deserves attention first.
Complete the form to receive Adrian C. Spitters’ complimentary guide and see your wealth, investments, estate, and succession planning as one connected structure.
This guide and the Reset Report are provided for general education only. They are not a securities offering or personalized investment, insurance, legal or tax advice, and they do not create or change a client relationship.
THE MERRICK SPITTERS RESET REPORT™
The Educational Resource
Protect What You Built. Preserve the Choices Ahead.
Wealth is more than a portfolio. Its strength depends on how assets are owned, structured, protected and eventually transferred.
The Merrick Spitters Reset Report™ brings together independent research on asset security, ownership structure, succession, estate planning and intergenerational wealth transfer. Written for business owners, farmers, landowners, affluent retirees and their families, it examines the risks that can affect family wealth today and the decisions that may shape what reaches the next generation.
The goal is simple: to help you ask better questions, identify structural risks and make stronger decisions before pressure limits your choices.
PRIVATE ADVISORY
Request A Conversation
We invite a confidential, no-obligation conversation to understand your priorities and whether we are a fit.
All inquiries are handled with discretion; client privacy and careful stewardship guide our process.
Schedule an Introduction
Select a convenient time for a private conversation with Adrian C. Spitters of PFC Wealth Solutions™.
Confidential • 45 minutes • No obligation
PFC Wealth Solutions™
Financial Planning and Insurance Advice
Performance Financial Consultants Ltd. operating as PFC Wealth Solutions™, provides financial planning and insurance advice through appropriately licensed individuals.
Information on this website is general and does not constitute financial, investment, insurance, legal or tax advice, or an offer or solicitation.
Insurance Advice
Insurance Processing
Insurance business is submitted and processed through MAX Financial Ltd. and applicable insurers.
Investment & Portfolio Relationships
Securities Advice
Adrian C. Spitters provides securities advice in his separate capacity as a Dealing Representative of Axcess Capital Advisors Inc. Any discretionary portfolio-management services are provided by independent portfolio managers under separate agreements.
Relationship Disclosure Information
Referral Relationship
Precious Metals Referrals
Direct precious-metals introductions may be made to New World Precious Metals under a separately disclosed referral arrangement.
Legal, Privacy & Disclosures
Corporate Policies
Relationship Disclosures
• Axcess Capital Advisors Relationship Disclosure
© 2026 Performance Financial Consultants Ltd. operating as PFC Wealth Solutions™. All rights reserved.