It’s never too early to start planning for the future. Life has many milestones, and retirement is one that you’ll want to carefully prepare for so that you can enjoy every moment, protect yourself and your loved ones and ensure that your wealth is passed to the next generation according to your wishes.


You never know what the future may hold, but you can certainly put plans in place that align with how you’d like your retirement to be. We work closely with our clients to understand their vision for the future and tailor our services accordingly. Whether that vision involves spending more time with family, traveling the world or relocating, we’ll build a financial plan that makes your money work harder until the day you retire and beyond.

Regardless of when you hope to retire, putting a retirement strategy in place now will help you understand you may outlive your savings or have to compromise on your future plans due to lack of funds. With over 30 years of experience in retirement planning and wealth management, our professionals can help you to make the decisions that will help work towards maximizing your retirement fund and allow you to transition into retirement with confidence.

This material was created for educational and informational purposes only and is not intended as ERISA, TAX, LEGAL or INVESTMENT advice. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational material.


Our retirement planning services consider risk and reward in equal amounts. That means we build contingencies into your plan that help to offset economic fluctuations, take tax considerations into account and which adapt to unexpected changes in your personal life. Whether retirement is years away or right around the corner, we can help you to build an overall wealth strategy that helps you to plan for the future you want. Our retirement planning and wealth management team will help you to chart a course toward your retirement without losing sight of your immediate financial goals.

We support all types of retirement plans including:


The most common type of pension in today’s modern workplace. They are the perfect option for employees that want more control over how their money is invested and for employers looking to control pension contribution costs.


Having access to a guaranteed amount of money when you retire can bring much more economic security and help you to have a prosperous and fulfilling retirement. This is where a defined benefit plan can come in.


Whether you have held an executive position for many years, or you have just entered the world of C-suite employment, If you fail to plan for your retirement now, it could mean working for years longer than you originally planned.


Annuities can be used as a part of your retirement planning strategy and when set up in the right way, an annuity retirement plan would provide you with a steady stream of income for the rest of your life.


Individual Retirement Account (IRA) could be one of the smartest moves you make towards planning for your retirement. It offers a wider range of investment opportunities that may otherwise be unavailable to 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.

This material was created for educational and informational purposes only and is not intended as ERISA, TAX, LEGAL or INVESTMENT advice. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational material.

Let’s put all your hard-earned money to work.

Whether you are wanting to save for retirement or you are about to retire, we can help.

If you are a business owner looking to find the right package for your company, we can help there too.


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.


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


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


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


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


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

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.