It takes courage to look wrong early and be right in the long run™
ADRIAN C. SPITTERS
Managing Family Wealth Together
Coordinate the Family Balance Sheet, the Decision System, and the Professional Team.
Create clear roles and better decisions when wealth is spread across many assets, people, and advisers.
As a family adds businesses, property, investments, companies, trusts, and advisers, it gets harder to see the full picture. Important facts may sit in different offices. No one person may know what was decided or what must happen next.
We give the family one shared view. We bring the assets, advisers, choices, and duties together. This helps the family act with greater clarity.
Nearly four decades of advisory experience. One advisor who understands the whole picture. Independent specialists when needed.
Who We Help
Families with several businesses, properties, investment managers, companies, trusts, or advisers.
People who built the family wealth and want to prepare others to take over.
Families that need better reports, clearer roles, or a plan for the next generation.
Families that want their giving to reflect their values and estate plan.
What We Help You Work Through
Make one list of assets, debts, income, companies, trusts, managers, and key papers.
Show who decides, who gives advice, who does the work, and who must be told.
Review investments and major family choices on a regular schedule.
Prepare younger family members to own assets and make decisions.
Connect giving with family goals, tax advice, and the estate plan.
The Family Needs One Shared View
No adviser can help with the full plan without current facts. We gather the family balance sheet, ownership records, debts, guarantees, income needs, insurance, investments, and unfinished work in one place.
This shared view shows the family what it owns, who gives advice, and what needs attention next.
Clear Roles Reduce Conflict
Families need to know who decides, who gives advice, who does the work, and who must be told. Clear roles matter more as new people and generations become involved.
Clear roles do not end every disagreement. They give the family a fair way to deal with one.
Investments Must Fit the Whole Family
Managed accounts, private investments, real estate, businesses, insurance, cash, and physical gold or silver should not be reviewed on their own. The family needs shared goals for income, growth, available money, risk, and future payments.
We connect the investment work with the family's wider duties.
Prepare the Next Generation
Future owners need more than account statements. They need to know the family history, why the wealth exists, what their duties are, and how choices are made. Education should progress from family history and values to financial literacy, ownership responsibilities, investment governance and participation in decisions. Successors need enough context to steward the structure, challenge advice and know when to ask for help. Wealth lasts when capability and purpose grow with it.
Giving Should Reflect Family Values
Giving may involve cash, investments, property, insurance, or part of a private company. We help the family define the purpose of the gift. We then bring in the right tax, legal, and giving specialists.
PFC Provides the Central Point of Coordination
PFC helps the family establish priorities, maintain the decision map, coordinate advisers and connect investment, estate, insurance, tax, succession and philanthropic work. The model can scale with complexity without requiring every capability to sit inside one firm.
What a Stronger Position Looks Like
The family can see the full picture, understands who is responsible for each decision, and has a clear process for the next generation and future giving.
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
These resources provide more background for readers who want to go deeper.
More to Philanthropy Than Writing a Check - connects charitable giving with purpose, family and long-term legacy
The Operating Dynasty Architecture™ - connects operating wealth, family capital, governance and continuity
The Central Orchestration Model™ - creates one decision map across a multidisciplinary advisory team
The Ownership Stewardship Framework™ - defines the duties that protect long-duration ownership
Last Asset Standing™ - adds custody and digital dependency to the family's ownership review
The Real Estate Wealth Illusion™ - shows how valuable property can still weaken liquidity, flexibility and family control
Explore the complete Reset Report library: Research | Frameworks | White Papers
Related PFC Wealth Solutions
Why Work With Us
PFC is the central point for the plan. Adrian leads the work, keeps the decision map current, and brings in outside experts for investments, insurance, the estate, tax, law, property, and giving.
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: Is this a family office we have to hire as staff?
No. We give the family one shared view and clear roles. Independent specialists still do the work in their own fields.
Question 2: Why do we need one shared list of assets and advisers?
Facts often sit in different offices. One list shows what the family owns, who gives advice, and what needs attention next.
Question 3: Do you take over from our other advisers?
No. Adrian keeps the decision map current and brings in the specialists the family already needs.
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 family has several assets, companies, managers, or advisers but no single shared view, we can help bring the information and decisions together.
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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Insurance business is submitted and processed through MAX Financial Ltd. and applicable insurers.
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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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