It takes courage to look wrong early and be right in the long run™
ADRIAN C. SPITTERS
Building Your Investment Plan
Choose investments and managers that fit your goals, your need for cash, and your comfort with risk.
An investment plan is more than a list of funds or accounts. It should show what the money is for and when it may be needed. It should also set the amount of loss you can accept and name who will make decisions.
We help define those needs first. We then help choose the plan, managers, account setup, and reports that fit the job.
Nearly four decades of advisory experience. One advisor who understands the whole picture. Independent specialists when needed.
Who We Help
Families with several investment accounts, managers, companies, or financial institutions.
People moving from do-it-yourself investing to professional management.
Business owners investing money outside the company or after a sale.
Families who want their public investments, private investments, property, cash, and reserves to work together.
What We Help You Work Through
Define what each pool of money is meant to do.
Set clear limits for risk, income needs, withdrawals, and available cash.
Compare investment managers by process, people, fees, service, and risk controls.
Understand where accounts are held and who has the power to make decisions.
Review results against the job assigned to the money, not only a market index.
The Plan Comes Before the Manager
A manager cannot choose the right path until the job of the money is clear. Retirement income may need a different plan from long-term family wealth. Money for a coming tax bill should not be invested like money meant for the next generation.
We write down the purpose, time frame, income needs, and risk limits before comparing solutions.
Look Beyond One Investment Account
A portfolio may look well spread out while the family is still heavily tied to one business, property market, bank, or source of income.
We review investments as part of the full family balance sheet. This helps prevent the managed portfolio from repeating risks that already exist elsewhere.
Where the Money Is Held Matters
We help you understand which firm holds the account, who makes the investment decisions, how money can be moved, and what reports you will receive. These details affect control and access.
Review the Process, Not Only Past Returns
Past results do not show how a manager will respond to the next difficult market. We look at the team, decision process, fees, communication, risk controls, and how the manager behaved when markets were under stress.
We continue to review whether the manager and plan are still doing the job they were chosen to do.
What a Stronger Position Looks Like
Your investments have a clear purpose, an agreed level of risk, enough available money, and a review process you can understand.
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
These articles challenge the assumption that a familiar portfolio structure is automatically resilient. They examine mandate, custody, concentration, discipline and the risks that become visible under stress.
The Architecture of Discipline in Uncertain Markets - connects investment discipline with liquidity, mandate and decision structure
What Survives When Portfolios Are Tested - asks which holdings and processes continue to perform their assigned jobs under pressure
The Quiet Risk Inside Your Portfolio Structure - reveals structural dependencies that performance reporting may not show
The Biggest Lie in Modern Investing - challenges simplistic diversification and product-led planning
Last Asset Standing™ - examines custody and digital-system dependency as part of practical ownership
The Five Pillars of Asset Security™ - places discretionary private portfolio management inside a broader family architecture
The Merrick Spitters Asset Security Framework™ - tests control, access, independence and continuity before allocation alone
Explore the complete Reset Report library: Research | Frameworks | White Papers
Related PFC Wealth Solutions
Why Work With Us
We start with your full financial life and help match each part of the investment plan to a clear need. We coordinate with independent investment managers and other specialists when their work is needed.
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 manage the investments yourselves?
We help define the plan and coordinate the work. Independent investment managers are used when that work is needed.
Question 2: Why not start by picking a fund or manager?
The manager cannot choose the right path until the job of the money is clear. Purpose, time frame, cash needs, and risk limits come first.
Question 3: How do you judge results?
Against the job assigned to the money, not only a market index.
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 accounts have grown without one clear plan, we can help define what the money needs to do and how the pieces should work 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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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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Direct precious-metals introductions may be made to New World Precious Metals under a separately disclosed referral arrangement.
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