Money Matters 2024: Understanding Market Shifts for Financial Stability

Discover how inflation, skyrocketing interest rates, market fluctuations, and global conflicts will directly impact your savings, financial strategies, and retirement plans.

Lancaster, CA
Fort Smith, AR
Boca Raton, FL

WEALTH MANAGEMENT AIMED TO EMPOWER YOUR PURPOSE

Because we know there’s more to wealth than money, our purpose is to help you create the wealth to empower your purpose. We build dedicated relationships that start with a single cup of coffee or tea and extend into multi-generational journeys.

It begins with a meeting where we listen to you. Everybody has a story. What’s yours?

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Check the background of investment professionals associated with this site on FINRA’s BrokerCheck.

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OUR PRINCIPLES

THE WORLD TODAY CAN BE CHAOTIC, CONFUSING AND NOISY.

Not enough information for wise decisions has turned into too much information from frequently unreliable sources. Volume goes up, reason goes down, and action becomes inconsistent, or worse, paralysis set in. 

With more than 30 years of experience, we have lived and managed through the minefields of the markets. Experience has taught us discipline. From discipline comes principles and from principles: a process.

LEARN ABOUT OUR PROCESS

OUR PRINCIPLES

THE WORLD TODAY CAN BE CHAOTIC, CONFUSING AND NOISY.

Not enough information for wise decisions has turned into too much information from frequently unreliable sources. Volume goes up, reason goes down, and action becomes inconsistent, or worse, paralysis set in. 

With more than 30 years of experience, we have lived and managed through the minefields of the markets. Experience has taught us discipline. From discipline comes principles and from principles: a process.

LEARN ABOUT OUR PROCESS

OUR TAILORED
SERVICES

We tailor our services and programs to your diverse needs, enabling you to remain focused on what matters to you. Whether you are starting out in your career, thinking about retirement, or own a business, we would like to help. We have a team of in-house advisors, supported by internal and external specialists.

RETIREMENT PLANNING

Whether retirement is years away or right around the corner, we can help you to build a strategy that helps you to plan for the future you want.

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FINANCIAL PLANNING

Choosing a financial planner isn’t just about assets. Our skilled professionals are focused on creating strategies for your legacy and long term success.

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INVESTMENT MANAGEMENT

We create and execute a focused and practical investment plan to help our clients work towards their unique goals.

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TAX PLANNING

We offer comprehensive tax planning services and look at the whole picture to create a custom tax plan that fits your unique circumstances.

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ESTATE PLANNING

Estate planning is imperative to a great succession. It is a way to protect your family, property and leave behind a great legacy.

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ALTERNATIVE INVESTING

Our trusted financial advisors at Pence Financial Group are qualified to understand the complexities of alternative investing.

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All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Asset allocation does not ensure a profit or protect against a loss.

Alternative investments may not be suitable for all investors and should be considered as an investment for the risk capital portion of the investor’s portfolio. The strategies employed in the management of alternative investments may accelerate the velocity of potential losses.

Pence Financial Group and LPL Financial do not provide legal advice or services.

HOW WE SERVE

When developing a customized financial program, we walk clients through a step-by-step process that is designed to make them feel confident in your decisions. Once goals have been established, appropriate strategies are customized to suit each client’s vision and objectives. We help clients execute a sound financial program utilizing the following products and services:

Tax-Reduction Strategies

Investment Management (Stocks & Mutual Funds)

Retirement Planning

Estate Planning and Preservation

Asset Protection Through Insurance & Annuity Products

All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Asset allocation does not ensure a profit or protect against a loss.

Pence Financial Group and LPL Financial do not provide legal advice or services.

HOW WE SERVE

When developing a customized financial program, we walk clients through a step-by-step process that is designed to make them feel confident in your decisions. Once goals have been established, appropriate strategies are customized to suit each client’s vision and objectives. We help clients execute a sound financial program utilizing the following products and services:

Retirement Planning

Investment Management (Stocks & Mutual Funds)

Estate Planning and Preservation

Tax-Reduction Strategies

Asset Protection Through Insurance & Annuity Products

All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Asset allocation does not ensure a profit or protect against a loss.

Pence Financial Group and LPL Financial do not provide legal advice or services.

WHO WE ARE

At the end of the day, our purpose is to help you grow your wealth to empower your purpose through retirement and beyond to extend your legacy. We are here to walk with you every step of the way so that all the hard work that went into generating your wealth has a more permanent impact.

OUR STORY

We foster a relationship based on trust, service and transparency. Our commitment is to you.

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OUR TEAM

You’ll have a qualified team of professionals devoted to helping you pursue your financial goals.

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OUR PROCESS

How is Pence Financial Group distinct? Learn more about our innovative process and approach that serves your financial needs.

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OUR MISSION

We are committed to maintaining the highest standards of integrity and professionalism in our relationship with you.

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OUR INVESTMENT APPROACH

Learn more about our Choke Point Investing™ strategy and take advantage our proprietary investment approach.

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ABOUT LPL FINANCIAL

Learn more about LPL Financial’s  competitive resources you can take advantage of with Pence Financial Group.

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The financial professionals at Pence Financial Group strive to uphold the Fiduciary Standard of Care. At all times when providing advice to a Client, our financial professionals must always act in the best interest of the Client. We place the interests of the Client above the interests of the Firm. We must act with the care, skill, prudence and diligence that a prudent professional would exercise in light of the Client’s goals, risk tolerance, objectives and financial and personal circumstances.

Our financial professionals must comply with all objectives, policies, restrictions and other terms of the Engagement and all reasonable and lawful direction of the Client.

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WHO WE SERVE

Tell us your story and we will put together a comprehensive plan for any goals or circumstances in your life.

RETIREES

Leaving the workforce is a major milestone – and a big transition. Your income sources have changed in significant ways, and it can be unsettling to feel you are at the mercy of the markets.

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PRE-RETIREES

If you’re reaching your retirement years and aren’t sure you have saved enough, we are here to serve you. At Pence Financial Group, we are experienced in getting your retirement plan back on track.

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CORPORATE EXECUTIVES

For our C-Suite clients, In addition to where and how to invest your base salary, we can help you to create smart strategies for managing stock options, bonuses, and deferred compensation.

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BUSINESS OWNERS

The financial challenges facing business owners are varied and complex. We have decades of experience in developing detailed financial plans for businesses of every size, and in every industry.

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MILITARY & VETERANS

For years, your purpose was to ensure the way of life we enjoy in the United States endures. You took care of us. Now, let us help take care of you.

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FIRST RESPONDERS

Every day you serve your communities. You put your life, your health, welfare at risk. Let us help ensure you don’t put your financial future, and that of your family, at risk, as well.

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The financial professionals at Pence Financial Group strive to uphold the Fiduciary Standard of Care. At all times when providing advice to a Client, our financial professionals must always act in the best interest of the Client. We place the interests of the Client above the interests of the Firm. We must act with the care, skill, prudence and diligence that a prudent professional would exercise in light of the Client’s goals, risk tolerance, objectives and financial and personal circumstances.

Our financial professionals must comply with all objectives, policies, restrictions and other terms of the Engagement and all reasonable and lawful direction of the Client.

OUR INSIGHTS

Read our most recent blogs, insights, and issues our clients care about.

All 12 /Daily Market Report 2 /Media Commentary 10 /Pence Perspective 0

Market Broadening Shows Growth Beyond Mag 7, says Dryden Pence

October 7, 2024/by pfgadmin

Consumer Confidence Data Disappoints: Strategist Explains the Disconnect

October 7, 2024/by pfgadmin

Dryden Pence: 58% of American’s Invest in the Stock Market

August 27, 2024/by pfgadmin

Palantir’s Pivot into the Commercial Market

July 29, 2024/by pfgadmin

Don’t Foresee A Recession as the Labor Market Remains Largely Healthy

July 15, 2024/by pfgadmin

The Potential for One Interest Rate Cut at the Very End of the Year

July 5, 2024/by pfgadmin

The Influence of Inflation, Interest Rates and Fed Policy on Investor Behavior in All Asset Classes

June 21, 2024/by pfgadmin

Dryden Pence: Economy Moving from Torrid Pace to a Sustainable Pace

May 29, 2024/by pfgadmin

Dryden Pence: Earnings at an All-Time High Driving Consumers

May 29, 2024/by pfgadmin

Themes in Consumer Discretionary Space

May 29, 2024/by pfgadmin

Daily Market Report 05-14-2024

May 14, 2024/by pfgadmin

Daily Market Report 04-02-2024

April 2, 2024/by pfgadmin
READ MORE

Let’s Talk

At Pence Financial Group, we believe that good financial decisions don’t have to be confusing. If you have any questions or want to schedule a complimentary meeting to discuss your specific questions, please do not hesitate to contact us.

Get In touch

Whether retirement is years away or right around the corner, we can help you to build a wealth strategy that can prepare you for the future you want.

              

ABOUT US

Our Mission
Our Process
Our Team
Our Investing Approach
About LPL Financial

INSIGHTS

Daily Market Report
Quarterly Newsletter
Pence Podcast
Commentaries

OUR SERVICES

Retirement Planning
Financial Planning
Investment Management
Estate Planning
Alternative Investments

RESOURCES

LPL Account View
Appointment Checklist
Tara Timeline Worksheet
Client Brief

WHO WE SERVE

Retirees
Pre-Retirees
Business Owners
Military & Veterans
First Responders

OUR OFFICES

Newport Beach, CA
Monterey, CA
Pittsburg, KS
Boca Raton, FL
Virginia Beach, VA

Form CRS | Disclosures | Fee Schedule | Consumer Privacy & Security Notice | Contact Us

© Pence Financial Group LLC. 2024. All rights reserved.

The financial professionals associated with PFG are registered with and offer securities and investment advisory services through LPL Financial, member FINRA/SIPC and a registered investment adviser.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. Historical performance is no guarantee of future results. All indices are unmanaged and may not be invested into directly. The economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. All investing involves risk including loss of principal.

Pence Financial Group does not provide legal and/or tax advice or services. Please consult your legal and/or tax advisor regarding your specific situation. The financial consultants of Pence Financial Group are registered representatives with, and securities and advisory services offered through LPL Financial. A Registered Investment Advisor. Member FINRA/SIPC. LPL Financial, Pence Financial Group, and Pence Capital Management are separate entities. Wealth Management provided through LPL Financial.

The LPL registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.