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.

After all, you retired so you could pursue your passions, whether that includes traveling the world, taking up your hobby full-time, strengthening relationships with family and friends, or all of the above. 

Any sense of financial insecurity can make it difficult to enjoy those pastimes.

At Pence Financial Group, we welcome our retiree clients, because we are experienced in the issues you face. We understand the challenges of balancing your portfolio between risk and reward, and we know how critical it is to keep your income steady.


As your financial partners, we will work with you to create a comprehensive wealth management plan that considers all of the elements that influence your ability to pursue your desired lifestyle. Some of the topics we will cover in our discussions include the following:

Is it time to start taking Social Security, if you haven’t already?

Is your income designed to keep pace with inflation?

How will your portfolio fare against economic ups and downs?

What is the best way to minimize taxes on distributions from tax-deferred retirement accounts?

Are you prepared to manage medical expenses and long-term care if the need arises?

What is the most you can withdraw from your retirement accounts each year without the risk of outliving your savings?


These questions are just the tip of the iceberg. There is an awful lot to consider once your retirement is in full-swing. Visit our contact page and complete our easy online form to get started on your wealth management plan today.


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


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.


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.

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.