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.

  • Comprehensive planning and portfolio management
  • Ongoing guidance and investment management
  • No upfront fee — a simple asset-based fee based on the value of accounts we manage

Best for: Clients seeking ongoing partnership and investment oversight.

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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

  • A comprehensive review of your investments and financial plan
  • Clear recommendations you can implement yourself or with us
  • A one-time fee based on the complexity of your situation — often comparable to the cost of a new smartphone, a weekend getaway, or the last piece of furniture you bought
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Real 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. These stories highlight families who work with us in a full-service wealth management relationship. Their situations are real, but names and identifying details may be changed to protect privacy.

Kevin & Jane
Full-Service Wealth Management

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

  • $700,000
  • Read Kevin & Jane’s Story

    Preparing for Retirement After a Successful Career

    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.

Alex and Megan
Financial Check-Up

Alex and Megan, Getting Started the Right Way

PRIMARY CONCERNS

  • Unsure How to Prioritize Multiple Savings Options
  • Wanted to Avoid Costly Early Financial Mistakes

KEY QUESTIONS

  • Should they prioritize 401(k)s, Roth IRAs, or an HSA first?
  • How much life insurance and long-term protection did they need at this stage?

INVESTABLE ASSETS

  • Under $25,000
  • Read Alex and Megan's Story

    Getting Started the Right Way

    Alex and Megan were in their early 30s and had recently finished paying off student loans and car debt. For the first time, they were in a position to start saving and investing seriously. Between their two jobs they had access to multiple retirement plans, including 401(k)s with employer matching, Roth IRA options, and an HSA — but they weren’t sure where to begin.

    They had also started thinking about longer-term goals such as buying a home, starting a family, and protecting each other financially with life insurance.

    The Challenge

    With many financial decisions ahead of them, Alex and Megan wanted to make sure they were setting up the right structure early in their careers. They didn’t yet have a large investment portfolio that required ongoing management, but they wanted professional guidance so they could avoid costly mistakes.

    Just as important, they wanted objective advice from someone who wasn’t trying to sell them expensive products such as insurance policies or annuities, but rather someone who could provide an unbiased assessment for a straightforward fee.

    They were also pleasantly surprised that the one-time Financial Checkup fee was less than the cost of their most recent smartphone purchase, making it an easy decision to gain professional guidance early in their financial lives.

    Our Approach

    Through a Financial Checkup, we reviewed their entire financial picture, including:

    • how to prioritize contributions between their 401(k)s and Roth IRAs
    • how to capture their full employer match
    • the benefits of an HSA as a long-term savings vehicle
    • appropriate life insurance coverage
    • an investment allocation appropriate for their age and time horizon

    We also created a simple savings plan and investment structure that they could implement on their own.

    The Result

    Alex and Megan left with a clear plan for how to allocate their savings each year and how to structure their retirement accounts. Instead of guessing their way through early financial decisions, they now have a roadmap that allows them to invest confidently as their careers progress.

    They also appreciated knowing that the guidance they received was based solely on what made sense for their situation, not on selling financial products.

Katelyn
Full-Service Wealth Management

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

  • $1.6 Million
  • Read Katelyn's Story

    Improving Service and Reducing Fees in Retirement

    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.

David
Financial Check-Up

PRIMARY CONCERNS

  • Was comfortable managing his own portfolio

KEY QUESTIONS

  • Is his current investment strategy appropriate for retirement income?
  • How can withdrawals be structured to reduce taxes across accounts?

INVESTABLE ASSETS

  • $3 Million
  • Read David's Story

    A Second Opinion for a Self-Directed Investor

    David, a successful business owner in his late 50s, had managed his own investment portfolio for many years. Through disciplined saving and investing, he had accumulated several million dollars across brokerage accounts, retirement plans, and real estate.

    While David enjoyed managing his investments and preferred to remain in control of his portfolio, he wanted anobjective second opinion to confirm that his strategy was appropriate as he approached retirement.

    The Challenge

    David’s primary concerns were:

    • whether his portfolio was appropriately diversified
    • how much risk he was taking heading into retirement
    • how to transition his investments toward generating reliable retirement income
    • how taxes might impact withdrawals from different accounts

    He wasn’t looking to hand over management of his portfolio — but he wanted to know whether his current strategy was sound.

    Like many experienced investors, David also valued working with someone who was not compensated by selling investment or insurance products, allowing the review to focus purely on objective analysis rather than product recommendations.

    Our Approach

    Through a Financial Checkup, we conducted a comprehensive review of his portfolio and retirement plan, including:

    • evaluating overall asset allocation and risk exposure
    • identifying areas of unnecessary concentration
    • reviewing tax efficiency across account types
    • modeling potential retirement income strategies

    The Result

    David left with a clearer understanding of his portfolio’s strengths and a few targeted adjustments to improve diversification and tax efficiency. Most importantly, he gained confidence that his long-term investment strategy remained aligned with his retirement goals.

    He appreciated that the engagement was simply a professional assessment for a reasonable fee, without any pressure to purchase financial products or transfer his accounts.

Ben
Full-Service Wealth Management

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
  • Read Ben's Story

    Diversifying Beyond Real Estate While Using Smart Leverage to Expand

    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.

This is what we do. Get in touch today. 

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Address

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

Contact

P: (614) 824-2824
F: 1-614-754-1281

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