It takes courage to look wrong early and be right in the long run™

ADRIAN C. SPITTERS

Protecting and Organizing Your Wealth

Know what you own, where it is held, how you can reach it, and who can act when life changes.

A family can own many investments and still depend on one bank, one business, one property market, or one person who understands everything. That can make a strong balance sheet harder to use when time is short.

We help you see your full financial picture in one place. We look at what you own, what you owe, where your money is held, how quickly you can reach it, and what must keep working if markets, health, or family needs change.

Nearly four decades of advisory experience. One advisor who understands the whole picture. Independent specialists when needed.

Who We Help

Families with wealth spread across a business, real estate, investments, insurance, cash, and physical gold or silver.
Business owners and farmers whose wealth depends heavily on one company or property.
People who want to understand where their money is held and how easily they can reach it.
Families preparing for retirement, a sale, an inheritance, a death, a disability, or a transfer to the next generation.

What We Help You Work Through

List your assets, debts, income, insurance, and ownership details in one place.
Set aside enough available money for known needs and emergencies.
Find areas where too much depends on one bank, market, property, business, or person.
Check who can make decisions and gain access if you cannot act.
Put the most important risks and next steps in order.

Value on Paper Is Not the Same as Security

A statement may show that you own valuable assets. It may not show whether those assets can be reached or sold when you need them. A property may take time to sell. A business may be hard to divide. An investment may be tied up for years.

We separate long-term wealth from money that may be needed soon. This helps protect you from having to sell a good asset at the wrong time.

Your Wealth Should Work as One Plan

Your business, land, home, investments, pensions, insurance, cash, and precious metals all have different jobs. Looking at them one at a time can hide how they affect each other.

We give each part of your wealth a clear purpose. Money needed soon should be easy to reach. Long-term investments should have time to work. Insurance should cover a known need. Ownership records should show who can act and who receives the asset later.

Protection Comes in Layers

No single investment can protect every part of your financial life. A stronger plan may include available cash, insurance, managed investments, selected private investments, real estate, physical reserves, and clear estate documents.

The right mix depends on your family. We start with the risk that could take away your choices first, then build from there.

Someone Must Be Able to Act

A good plan must still work if you become ill or cannot make decisions. We help you check signing rights, powers of attorney, company authority, beneficiaries, passwords, storage records, and the people who need to know what to do.

What a Stronger Position Looks Like

You can see where your wealth is secure, where it depends on someone else, how much money is available, and which risks deserve attention first.

What Happens Next

Start with a confidential conversation. Tell us what you own, what is changing, and where you need greater clarity.
Organize the whole picture. We identify the key facts, gaps, risks, and decisions that need attention.
Set the next steps. We help put the work in the right order and bring in independent specialists when needed.

Book an Asset Security Conversation™

Continue the Research

These resources provide more background for readers who want to go deeper.

Frameworks and Planning Tools

Explore the complete Reset Report library: Research | Frameworks | White Papers

Why Work With Us

We lead the full review and help put the work in the right order. When legal, tax, insurance, investment, or estate advice is needed, we bring in the right independent specialists and keep the decisions connected.

Adrian C. Spitters, CFP®, FCSI®, CEA, is President and Private Wealth Advisor of PFC Wealth Solutions™ through Performance Financial Consultants Ltd. He entered financial services in 1987 and has advised business owners, professionals, farmers, retirees, and multigenerational families through many market, credit, and economic cycles. He is co-author of It Starts With Gold™ and co-founder of The Merrick Spitters Reset Report™.

Frequently Asked Questions

Question 1: What does this review look at?

We look at what you own, what you owe, where it is held, how quickly you can use it, and who can act if you cannot.

Question 2: Is this only for people with a large portfolio?

No. It is for families whose wealth sits in more than one place (a business, property, investments, insurance, cash, or gold) and who need those pieces to work together.

Question 3: Do you replace my accountant or lawyer?

No. We lead the planning review and bring in independent specialists when legal, tax, insurance, or investment work is needed.

Question 4: What happens after the first conversation?

We organize the facts, name the gaps, and set the next steps in order. You choose whether to continue.

Take the Next Step

If your wealth looks spread out but still depends on one business, institution, property market, or future sale, we can begin by mapping the whole picture.

Book an Asset Security Conversation™

If you would rather keep learning first, subscribe for independent analysis on ownership, available money, markets, succession, and family continuity. Every subscription includes the weekly Reset Report and a complimentary digital copy of It Starts With Gold™.

Subscribe to The Merrick Spitters Reset Report™

PFC Wealth Solutions™

Financial Planning and Insurance Advice

Adrian C. Spitters is a licensed insurance agent and President of Performance Financial Consultants Ltd., the licensed insurance agency through which his insurance business is conducted. PFC Wealth Solutions™ is a trade name of Performance Financial Consultants Ltd.

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.

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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

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