At Pence Financial Group, we understand the unique wealth needs of all of our clients — needs that can shift wildly, depending on the career trajectory and life experiences of our clientele. This unquestionably includes our brave first responders, including police officers, firefighters, paramedics, EMTs, and more.

Every day you serve your communities. You put your life, your health, your welfare at risk. At Pence Financial Group, we are eternally grateful for your service. Let us help ensure you don’t put your financial future, and that of your family, at risk, as well.


Here’s the truth — financial planning for First Responders is different than it is for other professions. There are a variety of federal and state laws that govern the retirement resources that are available to First Responders. 

On the one hand, there are opportunities for First Responders. As an acknowledgment of their bravery and the very real hazards they face in their job, First Responders have a variety of exclusive retirement options at their disposal. On the other hand, this can also be confusing. While there are many potential options, there are also numerous pitfalls, and a failure to properly plan can result in a First Responder missing opportunities and losing money to taxes. 


We offer specialized, customized services for First Responders and recently hired a financial advisor who specializes in addressing the needs and wants of First Responders. This means balancing an array of financial planning options, including managing:

  • Pension Plan
  • 457 Plan
  • Social Security Benefits

These different financial instruments aim to grow and preserve your wealth, and they must be viewed as part of a comprehensive, holistic picture. Where should you invest your money? How can you best preserve your wealth? How much risk should you take?


At Pence Financial Group, our mission is simple: To help all of our clients properly engage in wealth management and financial planning services. With a deep understanding of the financial markets and retirement landscape — and specialized knowledge in First Responders’ specific needs and demands — we can help you plan for your financial future. As such, we can help you with financial planning, retirement planning, estate planning, and making sure that you can retire with financial confidence. 

Want more information? Contact us today, and learn how the professionals at Pence Financial Group can help First Responders manage their wealth and plan for a confident retirement. 


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


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.


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.


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.


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.


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.

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.