We are an independent, fee-based, wealth manager providing comprehensive planning advice along with risk-averse investment portfolios. What makes us unique is our scrupulous planning process (see Process) and our investment approach of minimizing our clients' downside while still maximizing returns. Our low cost custom portfolios utilize fund managers with sophisticated trading strategies and proprietary algorithms. We believe low cost value investing supports long-term financial planning and wealth accumulation.

Portfolio Construction

Our investment philosophy is simple: minimize loss. By minimizing volatility, investors are afforded the opportunity to compound more wealth in the long run. Using Modern Portfolio Theory as the foundation, allocations are tilted towards Sub-Asset Classes with consensus to potentially outperform, and away from those with a consensus of under-performance or excessive risk. Liquid Alternative Investments are a core holding in an attempt to cushion losses during market downturns and support long-term growth.

Services

While our annual advisory fee is based on Assets Under Management, it also covers the following services:

  • 401(k), 403(b), 457 & IRA Rollovers
  • Pension Analysis
  • Stock Options Analysis
  • Options Strategies*
  • Liquidity Events: Private sales, IPO, Inheritance etc.
  • Quarterly Reviews
  • Open Door Policy
  • Access to Internal & External Specialists: CPA's, Attorneys, Advanced Planning Groups**
  • Comprehensive Financial Planning
  • Investment Management
  • Retirement Income Strategies
  • Tax Strategies
  • Estate Planning & Wealth Transfer
  • Life Insurance*
  • Disability Insurance*
  • Long Term Care Insurance*
  • Liability Management
  • Credit & Lending**

 

*There may be additional transaction costs for these strategies that will be fully disclosed prior to execution

**External specialists are not employed by Pearl Wealth Advisors or its affiliates including Cetera Advisor Networks, and may charge fees of their own. There is no compensation received for recommending these specialists.

Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Neither Pearl Wealth Advisors nor Cetera Advisor Networks or financial advisors provide legal , tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions. Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets.