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Financial Services

Our Services

PFS Financial is a completely independent firm, and therefore totally free of outside pressures and obligations that can be imposed by others. This allows us to devote our attention to your goals and dreams, not someone else’s. Because we are not limited by selling proprietary products, we are able to present our clients with a wide variety of comprehensive investment strategies. These are the disciplines and services PFS Financial offers as part of an overall financial plan.

PFS Financial is not engaged in rendering legal or tax advice. Individuals should consult with their own legal or tax advisor concerning their own specific situation.


  • Traditional / Roth IRAs
  • Principled Investment Management
  • Tax-Efficient Portfolios
  • Rebalancing
  • Asset Allocation
  • Account Aggregation
  • Consolidated Reporting
  • Risk Management
  • 401(k) Investment Strategies
  • 403(b) Investment Strategies
  • SEP / Simple IRA Advisement
  • Education Planning (529s, ESA, IUL, etc.)
  • Inherited IRAs
  • UTMA / UGMA Accounts
  • Stock Option Strategies
  • Concentrated Position Hedging
  • Restricted Securities Analysis
  • Appreciated Stock Gifts
  • Donor Advised Funds
  • Real Estate Holdings Review
  • Consolidated Reporting
  • Annuity Analysis


  • Cash Flow Analysis
  • Retirement Preparation
  • In-Depth Gap Analysis
  • Social Security Optimization
  • Review of Wills, DPOA, etc.
  • Outside Advisor Coordination (CPA, Estate Attorney, IB, etc.)
  • Debt Reduction Strategies
  • Insurance Review
  • Long-Term Care Discussion
  • Wealth Transfer Advisement
  • RMD Tracking and Assistance
  • Aging Parent Support Planning
  • Annual Goals Discussion
  • Financial Planning
  • Real Estate Purchase Advisement
  • Tax-Efficient Giving Strategies


  • Values Discussion
  • Family Wealth Purpose Statement
  • Succession Planning
  • Illiquid Holdings Advisement
  • Inheritance Discussion
  • Values-Based Estate Design
  • Generational Advisement
  • Family Personality & Constraints
  • Pre-Liquidity / Liquidity Events
  • Trust Services
  • Multi-Generational Financial Planning
  • Family Billing
  • Family Services Coordination
  • Family Giving Discussion
  • Advisor Summit
  • Beneficiaries Planning


  • Charitable Remainder Annuity Trust (CRAT)
  • Charitable Remainder Unitrust (CRUT)
  • Irrevocable Life Insurance Trust (ILIT) Review
  • Supporting Organization
  • Foundations
  • Endowments
  • Heir Education and Preparation (Stewardship Principles, Money Management, Financial Responsibility)
  • Asset Titling
  • Family Business Transition
  • Estate Tax Discussion

Ready to Talk?

We have the experience and the technology to help you
visualize the cause and effect of your financial decisions.