Helping Strengthen Every Aspect of Your Financial Picture
What Is
Holistic Financial Planning?
People ask us all the time: what does “holistic” actually mean? It means we don’t treat your investments as separate from your taxes, your taxes as separate from your estate plan, or your estate plan as separate from your insurance. Every piece of your financial life affects the others. We plan for all of it together.
The Four Pillars of Holistic Planning
1. Investment Planning
We prioritize preservation and risk management as a foundation, then build growth strategies aligned with your goals and time horizon. In over 26 years of working with clients through dot-com crashes, 2008, and the pandemic, we have learned that most people prefer portfolios designed to help limit large declines. We build portfolios with that reality in mind.
2. Tax Planning
Most advisors focus on investment returns and overlook the tax side entirely. We think about all three types of diversification: asset diversification, time diversification, and tax diversification. What good is a double-digit return if a significant portion goes to taxes when you withdraw it? We analyze your tax returns, identify opportunities, and build a withdrawal strategy designed to help you keep more of what you’ve earned.
3. Estate Planning
4. Protection Planning
A strong financial plan accounts for what can go wrong, not just what you hope will go right. We review your insurance coverage and look for gaps — because making sure your family is protected is just as important as helping to grow your wealth.
Here’s What We’ll Build Together
Your holistic retirement plan will help you…
Help you build a retirement income strategy designed to last.
Build a Tax-efficient
Retirement Strategy.
Tax efficiency is the cornerstone of a strong retirement plan. We’ll analyze your tax returns, apply tax-efficient retirement planning at every step, and find ways to reduce taxes in retirement so you can keep more of your money.
Help Protect your loved ones.
In addition to identifying strategies to help protect your spouse and kids, we’ll build wealth preservation strategies into your plan and also look for ways to expand your net worth through carefully selected various insurance solutions that fit your situation.
Develop an investment portfolio aligned with your needs.
Define your estate and legacy plan.
What Working With Us Looks Like
We are a high-touch practice. That means we don’t just check in at annual reviews — we stay actively connected throughout the year. Most of our clients meet with us three or more times annually. Between meetings, our team is reachable by name — not by an 800 number.
Every week, the Pierson Wealth Management team dedicates a full day to working through client cases together. That means when you call, whoever answers already knows you.
We have clients who have been with us since the very beginning. Clients who have become friends. Clients whose families we have come to know. That kind of relationship is not an accident — it is the whole point.
