One goal: your financial success.

With offices in Missouri and Florida, we’re a full-service financial strategy firm built for business owners and individuals ready to take control of their financial future. For over three decades, we’ve helped entrepreneurs, professionals, and families protect and grow what they’ve worked so hard to build.

Tim Schulze Pioneer Wealth Management
Tim Schulze Pioneer Wealth Management

Kirkwood’s Dedicated  Partner in Wealth & Planning.

Your business and your finances are personal. That’s why our approach is, too. No cookie-cutter plans and no one-size-fits-all advice. Just real, strategic guidance tailored to your goals, whether you're preparing a business exit, building retirement income, or bringing clarity to a complex financial picture.


Helping our clients move forward with confidence isn’t just what we do; it’s who we are.


A few blocks from the Kirkwood Farmers’ Market, you’ll find our team turning kitchen-table worries into steady, forward-looking plans. Whether you’re weighing a buy-sell agreement, rolling old 401(k)s into something coherent, or looking for help squaring away college funding for your family without rewriting your retirement goals, we’re here to help with straight talk, timely follow-through, and advisors who pick up their phones. 

The Pioneer

Process Snapshot.

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Goals, worries, and the story so far.

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Cash-flow, assets, taxes, risk gaps.

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Flexible, goal-oriented, jargon-free, and built to evolve.

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Markets shift, kids graduate, businesses sell; we adjust.

Founder Tim Schulze, CLTC®, CPFA® has been in the trenches since the early ’90s.

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30+ years helping clients through booms, busts, and everything between.

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Special focus on business-owner planning including succession, retirement plans, and liquidity events.

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University of Missouri grad and lifelong Missourian; rumored “unofficial mayor” of Kirkwood

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Outside the office, Tim enjoys hitting the golf course, casting a line, and relaxing by the beach.

Timothy Schulze

Long live the strategy-minded entrepreneur.

Entrepreneurs face a special kind of whiplash: grow the company, pay the team, reinvent the company, then still make it home for dinner. We get it. Many of our clients have worn those same boots. Whether you’re drafting a succession plan, weighing a SEP-IRA vs. a 401(k), or wondering how the eventual sale might fund life after the hand-off, we’ll help line up personal and business finances so they march in lockstep.

Tim Schulze

Retirement should be a homecoming, not a maze of meticulous choices.

You deserve a plan that honors your story and supports the lifestyle you envisioned. Until those ideals are both met, our work continues. Because once we’ve cleared the clutter and carved a path forward that truly fits, all that’s left is keeping your end of the deal: enjoying it. 

There’s opportunity everywhere. Especially your future.

Look around. Have you noticed the world is overflowing with opportunities? Whatever these look like for you, we offer the chance to turn them into clear, actionable steps to seize your future. 

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