With over 34 years of experience, we help clients make smarter financial decisions through fiduciary guidance—not product sales. Our Discovery Process uncovers each client’s goals and tailors strategies to fit their unique objectives, emphasizing value, transparency, and purpose-driven financial planning.

Many overlook tax planning, yet it often has a greater impact than investment choices. For example, a surviving spouse can see taxes jump 83% with the same income. At PCA, we focus on proactive tax strategies—because a dollar saved in taxes is better than a dollar earned.

Trying to time the market is a fool’s game. Markets rise and fall, but no one can predict when. Acting on guesses often leads to missed gains, stress, and bias. At PCA, we focus on disciplined, long-term investing—because lasting success doesn’t come from luck, but from wisdom and strategy.

Not all financial professionals are the same. Brokers represent companies and are paid per transaction, while fiduciaries represent clients and must act in their best interest. At PCA, we operate under the fiduciary standard—offering advice and solutions designed for your benefit, not ours. Choosing the right advisor means knowing the difference.

Working with a professional matters—especially in finances. Just as you wouldn’t perform your own surgery or represent yourself in court, you shouldn’t rely on amateurs for complex financial decisions. At PCA, we bring decades of experience, fiduciary care, and professional insight to help you achieve better outcomes. Don’t gamble with your future—trust a PRO.

At PCA, we act solely in our clients’ best interests—as true fiduciaries. We receive no commissions or compensation from investments or our custodian, Charles Schwab Institutional. Our fees are transparent and paid directly by clients. Unlike brokers who may earn hidden commissions through bond markups or other transactions, our recommendations are conflict-free and aligned entirely with your goals.

Wealth planning often comes down to three simple questions—how long you’ll need your money, how much risk you want, and what legacy you’ll leave behind. At PCA, we help clients explore how life insurance can strengthen their financial plan, offering tax-free benefits and long-term security within a fiduciary, commission-free approach.

Marketing and opinions in the financial world are all around us. Experts contradict each other for any number of reasons.  Can we trust marketing?  What opinions are biased?  Can an investment or strategy be perfect for your neighbor, and totally inappropriate for you?