It takes courage to look wrong early and be right in the long run™
ADRIAN C. SPITTERS
Comprehensive Wealth Planning
Bring every financial decision back to the same goals.
Investments, taxes, insurance, retirement, estate plans, business decisions, and family goals are often handled in separate meetings. Each decision may make sense on its own but work against another part of the plan.
We bring the pieces together. We help you decide what matters most, what must happen first, and which specialists need to be involved before money is committed.
Nearly four decades of advisory experience. One advisor who understands the whole picture. Independent specialists when needed.
Who We Help
Individuals and couples who want a clear plan before choosing investments or insurance.
Business owners and professionals who need to connect company and personal finances.
Families facing retirement, a sale, an inheritance, a move, a death, a divorce, or care for a family member.
People working with several advisers who need one shared plan and a clear order of action.
What We Help You Work Through
Clarify your goals, income, spending, assets, debts, pensions, benefits, and insurance.
Plan for retirement income, large purchases, education, and unexpected costs.
Connect business and personal decisions.
Review investment risk, available cash, and areas where too much money sits in one place.
Assign each task to the right person and track what still needs to be done.
Advice Must Be Connected
A tax idea can reduce available cash. An investment may be hard to sell when money is needed. An insurance plan may not match the estate documents. A business decision may change retirement income.
We look at these links before a decision is made. This helps prevent one good idea from creating a new problem somewhere else.
Start With the Life the Money Must Support
A plan should begin with your life, not a product. We talk about the income you need, the people you support, the work you want to keep doing, the risks you can accept, and the choices you want to protect.
Only then do we decide what your savings, investments, insurance, business, and estate plan need to do.
Some Goals Compete
Families often want growth, safety, income, low tax, easy access to money, and a large estate at the same time. These goals can conflict.
We make those trade-offs clear. You can then choose with a full view of the benefits, costs, and limits.
A Plan Must Be Used and Updated
A written plan has little value if no one carries it out. We set priorities, identify who is responsible, and review progress as your life, family, business, and markets change.
What a Stronger Position Looks Like
You have one clear plan, a short list of priorities, and a shared understanding of who will do what and when.
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.
Continue the Research
The Dual Balance Sheet Concept™ - compares visible wealth with the structure that must work when the owner steps away
The Central Orchestration Model™ - creates one fact base, decision sequence and point of accountability across advisers
The Operating Dynasty Architecture™ - connects the enterprise, family balance sheet, governance and long-term continuity
Explore the complete Reset Report library: Research | Frameworks | White Papers
Why Work With Us
We act as the central point of coordination. We help you understand the whole picture and work with the investment, insurance, tax, legal, and estate specialists needed to carry out the plan.
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: What does comprehensive wealth planning include?
We connect investments, taxes, insurance, retirement, estate plans, business decisions, and family goals so they support the same plan.
Question 2: Why not just pick investments first?
An investment can work against cash needs, tax, insurance, or an estate document. We look at those links first.
Question 3: Do you replace my other advisers?
No. We coordinate the plan and bring in independent specialists when their 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 financial decisions are being made one at a time, we can help bring them together before they begin to compete.
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™.
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.
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.
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Referral Relationship
Precious Metals Referrals
Direct precious-metals introductions may be made to New World Precious Metals under a separately disclosed referral arrangement.
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• Axcess Capital Advisors Relationship Disclosure
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