TWO WAYS WE CAN WORK TOGETHER

Choose the level of support that fits your needs right now—ongoing guidance or a one-time roadmap.

Full-Service Wealth Management

Ongoing investment management, advanced planning, and continuous guidance.

  • Ongoing portfolio management
  • Proactive tax and retirement strategies
  • Regular review meetings
  • Long-term relationship and accountability

Best for: Clients seeking ongoing partnership and investment oversight.

Start the Conversation   ›

Financial Check-Up

A one-time, flat-fee financial roadmap for when you just need a plan.

Not every client who comes to us is ready—or needs—to hire us for ongoing investment management. Sometimes, you simply want a second opinion, a clear action plan, and the confidence you’re making the right moves.

What to Expect

  • Two structured meetings (in-person or via Zoom)
  • Full financial review: income, savings, investments, insurance, and goals
  • A personalized plan you can follow on your own
Schedule a Financial Check-Up   ›

 

Clients often tell us they thought their accounts were “too small” for a firm like ours. What they find is that we can work together for a one-time flat fee based on the complexity of their situation—and that the cost is often comparable to:

  • A new smartphone
  • A weekend getaway
  • The last piece of furniture they bought

It’s a modest investment for clarity and confidence that can last for years.

Client Stories

Real examples of how we help clients—both in ongoing relationships and one-time planning engagements. Names and identifying details have been changed to protect confidentiality.

  • Click here for Kevin & Jane's Story

    Planning to Retire with Confidence

    Meet Kevin and Jane. They’ve led a simple life — no children, no debt, the same jobs for decades, and the same modest home they purchased years ago. They’ve always lived below their means and never considered themselves “wealthy.” Even in the final stretch of their careers, their combined income was just over $100,000 a year.

    But there was one thing they did exceptionally well: they started contributing to their 401(k)s early, accumulating nearly $1,000,000. Now, in their mid-60s and thinking seriously about retirement, their nest egg had grown to the point where they could start planning the next chapter.

    At the same time, Kevin’s company offered a one-time opportunity to take his pension as a lump sum — and they had questions. They also needed guidance on Social Security timing, Medicare, and how to structure their investments for both stability and long-term growth. We began with a comprehensive pre- and post-retirement income plan to ensure they could maintain their current lifestyle — with a little extra for “mad money” like travel and home upgrades. While they were inclined to take a large lump sum withdrawal for renovations, we showed them how that could trigger a significant tax bill and suggested a more tax-efficient way to fund those projects.

    Beyond retirement income planning, we connected them with a local estate attorney to create wills and other essential documents. We also introduced them to a trusted property and casualty insurance partner who helped improve their coverage while lowering premiums.

    From an investment management standpoint, we built a portfolio using a blend of low-cost index and actively managed mutual funds and ETFs, with FDIC-insured CDs and other fixed-income investments — balancing their need for steady income with protection against inflation. They have the confidence that their advisor will continue to monitor and manage their portfolio — and as the portfolio does better, the advisor does better, aligning everyone’s interests. Importantly, all of this was done under a flat-fee fiduciary arrangement, avoiding the conflicts of commission-based products.

    Kevin and Jane began this process with a lot of apprehension, nervousness, and unanswered questions. By the end, they had clarity, confidence, and a clear roadmap to enjoy their retirement.

    Kevin & Jane

PRIMARY CONCERNS

  • Planning to Retire with Confidence
  • When to Begin to Draw Their Social Security

KEY QUESTIONS

  • How can they maintain their current lifestyle?
  • How to have extra money on the side for travel and home upgrades?

INVESTABLE ASSETS

  • $1 Million

Kevin & Jane


Meet Kevin and Jane. They've led a simple life — no children, no debt, the same jobs for decades, and the same modest home they purchased years ago. They've always lived below their means and never considered themselves "wealthy." Even in the final stretch of their careers, their combined income was just over $100,000 a year. But there was one thing they did exceptionally well: they started contributing to their 401(k)s early, accumulating nearly $1,000,000.

  • Click here for Katelyn's Story

    Unhappy with Her Current Provider

    Meet Katelyn. A retired math teacher, she had invested and saved diligently over the years, building nearly $2 million in assets. She had worked with an advisor for a number of years, but was becoming increasingly dissatisfied with both the service and the results. Calls and messages often went unanswered, and there were no regular reviews or updates.

    When we reviewed her accounts and goals, we found her portfolio held several underperforming mutual funds with high internal fees. She also owned a variable annuity with multiple costly riders she didn’t need—fees that were quietly eating into her returns.

    Without triggering taxes, we exchanged her tax-deferred annuity into a lower-cost, no-commission alternative. We also reallocated a portion of her portfolio into lower-cost, tax-efficient ETFs while retaining many of the high-quality individual stocks she preferred. Importantly, we aligned her holdings more closely with her political and social values—owning more of the companies she supported and less of those she didn’t.

    Our firm made the transfer process seamless, preparing all paperwork and handling the details while ensuring no taxes or unnecessary fees were triggered. The result was a higher-quality, lower-cost portfolio that better reflected her goals and personal preferences.

    Katelyn Story

PRIMARY CONCERNS

  • Unhappy with Her Current Provider
  • Thinks Her Fees are Too High

KEY QUESTIONS

  • How do we improve on her investment performance?
  • How do we align her portfolio by preference of value-based investing?

INVESTABLE ASSETS

  • $2 Million

Katelyn


Meet Katelyn. A retired math teacher, she had invested and saved diligently over the years, building nearly $2 million in assets. She had worked with an advisor for a number of years, but was becoming increasingly dissatisfied with both the service and the results. Calls and messages often went unanswered, and there were no regular reviews or updates. 

  • Click here for Ben's Story

    Real Estate Investor Seeking Diversification & Opportunities

    Meet Ben. At the young age of 24, he scraped together a few thousand dollars for the down payment on his first home, purchased for $90,000. While working a corporate 9-to-5, he spent evenings and weekends renovating it himself. He then borrowed against the property to buy a couple of rental units, renovated and rented them, and used their equity to acquire more. Over the next 15 years, Ben repeated this process and steadily built a substantial portfolio — now owning more than 200 rental properties with estimated equity of nearly $25 million. This is the American Dream in action!

    Ben came to Peerless Wealth to begin diversifying outside of real estate and to build a portfolio positioned for long-term growth. Over the past five years, through a combination of property sales and refinancing, his investments with our firm have grown to nearly $10 million. This diversification has been timely — while he has not been able to materially increase rents in recent years, property taxes and maintenance costs have climbed, reducing net cash flow. His allocation to equities has helped balance the impact of those changes.

    Among the many services we provide, two stand out for Ben:

    1. Portfolio-based credit line – Ben has access to a line of credit secured by his investment portfolio, allowing him to access funds quickly without having to sell securities. This flexibility has been useful for short-term real estate opportunities or covering temporary cash flow gaps. It also avoids the delays and documentation often associated with traditional real estate financing. Peerless Wealth worked with the custodian to negotiate competitive rates for this credit line.
    2. Direct Indexing strategy – A portion of Ben's portfolio is invested using a direct indexing program. This approach involves owning individual stocks in an index-like portfolio, which allows for ongoing tax-loss harvesting opportunities throughout the year. These harvested losses can be used to offset taxable gains elsewhere, such as from real estate sales.

    Real estate investors often focus almost exclusively on property holdings, but in Ben's case, building a diversified portfolio alongside his real estate business has provided additional flexibility and resilience in changing market conditions.

    Ben Story

PRIMARY CONCERNS

  • Real Estate Investor Seeking Diversification & Opportunities
  • Tax-Efficient Investing
  • Access to Investments for Real Estate Projects

KEY QUESTIONS

  • How do we diversify his portfolio outside of real estate?

INVESTABLE ASSETS

  • $10 Million

Ben


Meet Ben. At the young age of 24, he scraped together a few thousand dollars for the down payment on his first home, purchased for $90,000. While working a corporate 9-to-5, he spent evenings and weekends renovating it himself. He then borrowed against the property to buy a couple of rental units, renovated and rented them, and used their equity to acquire more. Over the next 15 years, Ben repeated this process and steadily built a substantial portfolio — now owning more than 200 rental properties with estimated equity of nearly $25 million. This is the American Dream in action!

This is what we do. Get in touch today. 

Schedule a Complimentary Intro Call

Address

1 E Campus View Blvd.
Suite 210
Columbus, OH 43235
United States

Contact

P: (614) 824-2824
F: 1-614-754-1281
info@peerless-wealth.com

Connect

Request a meeting ›