It takes courage to look wrong early and be right in the long run™
Build the Wealth Structure Before Stress Tests It.
Planning the Future of Your Business or Farm
Prepare the Enterprise, the Family, and the Capital Before Transition Is Urgent.
Prepare the owner, the family, and the business before a change becomes urgent.
The future of a business or farm may take many forms. It may involve a family handover, new leaders, a sale to employees or an outside buyer, a new partner, or an orderly wind-down. Each path needs different people, money, and timing.
We help owners begin before health, age, markets, lenders, or family pressure force the decision. The goal is to protect the business, the family, and the wealth built over many years.
Nearly four decades of advisory experience. One advisor who understands the whole picture. Independent specialists when needed.
Who We Help
Business and farm owners who expect a change in ownership or leadership within the next several years.
Families unsure whether the next generation wants or is ready to take over.
Owners considering a family transfer, management buyout, employee ownership, or outside sale.
Families whose retirement and estate plans depend heavily on the business or land
What We Help You Work Through
Compare the possible paths and the time needed for each one.
Prepare future leaders and reduce the owner's day-to-day importance.
Estimate how much money the owner and family will need after the change.
Review debt, insurance, taxes, ownership, family fairness, and estate needs.
Build a work plan for the accountant, lawyer, valuator, lender, insurance specialist, and other advisers.
Time Creates More Choices
An owner who starts early can prepare leaders, improve records, reduce debt, strengthen the business, and test whether a family member is ready. An owner who waits may have to accept the only choice still available.
We treat time as part of the family's wealth because it can improve both the result and the owner's freedom.
Prepare the Owner as Well as the Business
A transition is not complete when shares change hands. The owner may need new income, a new role, a place to live, and a reason to step away. The family may need new decision rules and a way to handle conflict.
We connect these personal needs with the business work.
Each Path Needs Different Money
A family handover may need insurance, lending, or payments over time. A management buyout may depend on company cash flow. An outside sale may create a large tax bill and a new investment problem. A wind-down may require money for employees, debt, and property.
We compare these needs before the family chooses a path.
Fair Does Not Always Mean Equal
One child may work in the business while another does not. Dividing ownership equally can create conflict or weaken decision-making. We help the family identify what it wants to protect and then work with legal and tax professionals on suitable options.
What a Stronger Position Looks Like
The family understands the possible paths, the future leaders, the money required, and the work that must begin now.
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.
When this decision needs estate, succession, or ownership coordination, Adrian can introduce you to Peter J. Merrick, TEP® at Merrick Wealth™.
Each practice is responsible for its own services, agreements and applicable disclosures. Any referral arrangement and compensation are disclosed where applicable. View relationship disclosures
Continue the Research
Before Succession Becomes a Liquidity Event - connects delayed planning with forced financing, sale or family compromise
Aligning Insurance with Enterprise Liquidity Exposure - shows how measured contractual liquidity can support continuity
The Five Pillars of Succession Security™ - organizes liquidity, financing, ownership, reserves and transfer
The Succession Compression Thesis™ - explains why time is a form of capital in every transition
The Graceful Exit™ - prepares the owner and family for life beyond day-to-day control
The Enterprise Continuity Stress Test™ - reveals leadership, financing and liquidity weaknesses before a crisis does
The Operating Dynasty Architecture™ - connects enterprise, family capital, governance and multigenerational purpose
Explore the complete Reset Report library: Research | Frameworks | White Papers
Related PFC Wealth Solutions
Why Work With Us
We keep the owner's personal plan, the family's needs, and the future of the business in one view. We bring the professional team together. Each specialist remains responsible for advice in their own field.
Adrian C. Spitters, CFP®, FCSI®, CEA, is President and Private Wealth Advisor of PFC Wealth Solutions™ through Performance Financial Consultants Ltd. Since entering financial services in 1987, he has advised business owners, professionals, farmers, retirees and multigenerational families through repeated market, credit and economic cycles. He leads the family's planning and investment architecture, coordinates the appropriate independent professionals and helps ensure that every recommendation serves a defined role within the whole balance sheet. He is co-author of It Starts With Gold™ and co-founder of The Merrick Spitters Reset Report™.
Frequently Asked Questions
Question 1: When should succession planning start?
Before health, age, markets, lenders, or family pressure force the decision. Time creates more choices.
Question 2: Does this mean the business must stay in the family?
No. The path may be a family handover, new leaders, a sale, a new partner, or an orderly wind-down. We compare those paths first.
Question 3: Do you replace our lawyer or accountant?
No. We bring the professional team together. Each specialist remains responsible for advice in their own field.
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 business or farm still depends on you, we can help compare the possible paths before time begins to remove them.
If you would rather keep learning first, subscribe for independent analysis on structural risk, ownership, liquidity, markets, succession and continuity. Every subscription includes the weekly Reset Report and a complimentary digital copy of It Starts With Gold™.
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.
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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.
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Direct precious-metals introductions may be made to New World Precious Metals under a separately disclosed referral arrangement.
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