It takes courage to look wrong early and be right in the long run™
Build the Wealth Structure Before Stress Tests It.
Protecting Your Family, Business and Estate
Plan for the Money Your Family or Business May Need.
Plan for the insurance and money that may be needed when life does not go as expected.
Death, illness, or disability can create a need for money just as income stops. Important choices may also need to be made. The right insurance can provide money for a clear purpose when there is no time to sell an asset.
We begin with the need, not the policy. We help measure what must be protected, how long the need may last, and what money is already in place.
Nearly four decades of advisory experience. One advisor who understands the whole picture. Independent specialists when needed.
Who We Help
Families that depend on one person for income, care, or financial decisions.
Business owners with debt, personal guarantees, key employees, or partners.
Families whose estate may face taxes, debt, or a need to treat heirs fairly.
People with older insurance policies that have not been reviewed in years.
What We Help You Work Through
Measure the money needed after death, illness, or disability.
Review how long the need lasts and whether savings can cover part of it.
Connect business insurance with ownership agreements, debt, and family needs.
Check policy ownership, beneficiaries, costs, and how the policy is expected to work.
Coordinate with licensed insurance, tax, legal, and cross-border specialists where needed.
Insurance Should Fund a Clear Need
Insurance is most useful when the purpose is clear. It may replace income, pay debt, fund a partner buyout, support children, cover tax, or keep a valuable asset from being sold quickly.
We name the need, estimate the amount, and consider when the money would be required before reviewing a policy.
Business and Family Risks Are Linked
A death or disability can affect company income, bank agreements, personal guarantees, and the family at the same time. A policy held in the wrong place may not provide money where it is needed.
We help connect the business plan, family plan, ownership agreements, and insurance review.
Available Money Protects Choice
An estate may owe tax or debt before property or a business can be sold. Without enough available money, the family may have to borrow, sell quickly, or change the intended transfer.
Insurance and money set aside can give the family time to make a better decision.
Existing Policies Need Review
A policy bought years ago may no longer match the need. We review the purpose, owner, beneficiary, cost, expected benefits, and current family or business facts before assuming it should stay or change.
What a Stronger Position Looks Like
You know which risks need funding, what insurance or available money is in place, and where a gap still exists.
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.
Aligning Insurance with Enterprise Liquidity Exposure - connects policy sizing with quantified business and estate obligations
Whole Life Insurance in Enterprise Capital Architecture - places contract design inside liquidity, financing and continuity planning
Before Succession Becomes a Liquidity Event - shows how delayed planning can turn transition into forced financing or sale
The Liquidity Gap™ - measures the difference between payable obligations and accessible capital
Explore the complete Reset Report library: Research | Frameworks | White Papers
Related PFC Wealth Solutions
Why Work With Us
We keep the insurance decision tied to the family, business, investment, and estate plan. Licensed insurance specialists handle policy advice and applications. Legal and tax professionals give advice in their own fields.
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: Do you sell the insurance policy?
Licensed insurance specialists handle policy advice and applications. We start with the need and keep the decision tied to the rest of the plan.
Question 2: Why review a policy we already own?
A policy bought years ago may no longer match the need, owner, beneficiary, cost, or current family facts.
Question 3: Is insurance only for income replacement?
No. It may also pay debt, fund a partner buyout, cover tax, or keep a valuable asset from being sold quickly.
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, business, or estate would need money quickly after a death, illness, or disability, we can help measure the need and organize the review.
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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