Your story doesn’t follow a rigid template. Our services don’t either. 

We develop a big-picture plan that covers all aspects of your financial life. This includes budgeting, saving, and goal planning for milestones like buying a home, funding college, or achieving a comfortable retirement. We start by understanding your unique goals and then map out a step-by-step strategy to get you there, adjusting along the way as your life evolves.



Retirement Planning

Whether you’re a business owner planning to eventually sell or transfer your company, or an individual preparing for life after work, we help ensure you can retire on your terms. From choosing the right retirement accounts and 401(k)/IRA strategies to projecting your retirement income needs, we help you develop a solid plan for a protected and fulfilling retirement. We’ll also discuss Social Security timing, pension options (if applicable), and how to guard against outliving your assets.

We provide professional investment management to grow and protect your wealth. Your portfolio is tailored to your goals, time horizon, and risk comfort. Our investment philosophy is rooted in diversification, disciplined strategy, and tax-efficient growth. Whether you’re investing personal savings or proceeds from a business, we make sure your money is working hard for you. You’ll receive ongoing portfolio reviews and clear explanations – no confusing jargon, just straightforward advice on how we’re managing your assets and why.



Business Owner Strategies

Being a successful entrepreneur brings unique financial challenges and opportunities. We offer specialized guidance for business owners, such as business succession planning, exit strategies, and coordinating personal and business finances. We’ll help you answer big questions like: How do I monetize the business I’ve built when I’m ready to step back? What’s the best way to protect my business (and my family) if something happens to me? How can I reward and retain my employees with retirement plans or benefits? Our expertise in this area helps you create a roadmap so both your business and personal financial goals are achieved together.

Protecting what you’ve built is a crucial part of any financial plan. We review your needs for life insurance, disability insurance, and long-term care coverage to protect your family and business against the unexpected. As a CLTC® (Certification in Long-Term Care) professional, Tim has particular expertise in long-term care planning – helping clients plan for healthcare costs in later years. We will help ensure you have the right insurance strategies in place so that one unfortunate event doesn’t derail the future you’re working toward.



Legacy & Estate Planning Coordination

Planning your legacy is about more than writing a will; it’s about making sure the wealth you’ve accumulated benefits the people and causes you care about. We’ll work with you (and your attorney or tax advisor) on estate planning strategies to efficiently transfer assets to the next generation, minimize estate taxes, and perhaps support charitable goals. For business owners, this can include planning for the seamless transfer or sale of your business. Our aim is to give you confidence your loved ones will be taken care of and your wishes will be honored.

* Pioneer Wealth Management does not provide legal advice and cannot draft legal documents. We work with experienced CPA’s, tax planners and estate planning attorneys who develop the legal documents that express a client’s estate planning intentions. We are pleased to work with a client’s current estate planning attorney, CPA®, and other advisers.