Fiduciary financial planning for retirees and pre-retirees across Forsyth County.

Financial Planner in Winston-Salem, NC

Piedmont Capital Advisors is a fiduciary financial planner in Winston-Salem, NC, with no proprietary products. Jacob Rice, CFP®, ChFC®, CLU®, RICP®, leads the firm and brings 12 years of industry experience. Our Kernersville office is just 15 miles east of downtown on Salem Parkway.

We build each retirement income plan around the pension and company stock you earned during your career with Forsyth County employers. You’ll also talk with the same people every time you call.

Winston-Salem Financial Planning Services

  • Financial Planning

  • Retirement Planning

  • Investment Planning

  • Retirement Income Planning

  • Investment Management

  • Social Security Timing

  • Annuities

  • Required Minimum Distribution (RMD) Planning

  • Roth Conversion Strategy

Local Factors That Affect Retirement

Your former employer in Winston-Salem can affect how you use your retirement savings today.

  • Reynolds Retirees Holding British American Tobacco Shares

    British American Tobacco bought Reynolds American in 2017 and paid shareholders in cash and BAT American Depositary Shares. Many retirees from the Tobaccoville plant and downtown offices still own those shares with decades-old cost bases. Selling all of them in one year could create a large capital gains tax bill, so we can spread those sales across several tax years.

  • Wachovia and BB&T Families Whose Banks Moved to Charlotte

    Wachovia started in Winston-Salem and moved its headquarters to Charlotte after the 2001 First Union merger. Wells Fargo then acquired Wachovia in 2008. BB&T took a similar path when it merged with SunTrust in 2019 to create Truist. Former employees from both banks may still have old 401(k) accounts or stock from those deals. We can review your accounts and work them into your retirement income plan.

  • Hospital and University Careers With Two Savings Plans

    Nurses and physicians at Atrium Health Wake Forest Baptist and Novant Health often retire with both a 457(b) and a 403(b). A nonprofit employer's 457(b) may not roll into an IRA, so its payout schedule can affect how you draw from your other accounts. Retirees moving to Arbor Acres or Salemtowne also may face an entrance fee. We plan which account should cover that cost before you need to pay it.

How We Compare

Here are some ways Piedmont Capital Advisors compares with other financial planning firms in Winston‑Salem:

What You Need
Piedmont Capital Advisors
Other Financial Planners
Advice in your best interest
Jacob serves as a fiduciary, so the law requires him to put your interests first on advisory accounts.
Some firms follow a lower suitability standard. Ask how the advisor gets paid before you sign.
Funds picked for you
We do not sell proprietary products and choose funds from a wide range of sources that fit your plan.
Some firms with in-house funds may have an incentive to recommend their own products.
A plan based on your goals
We start with what you want your money to do, then set your investment risk around those goals.
Some firms set your investment mix mainly around your age or birth year.
Help with old company stock
We can spread sales of low-basis shares across tax years to help manage the capital gains tax.
Some firms sell shares all at once when you need cash.
A real person on the phone
We let you speak with a member of our team directly when you call.
Some firms route calls through a central service line.

Financial Planning in Winston-Salem You Can Trust

Your retirement plan starts with a CFP® professional who holds the RICP® retirement income designation. We begin with a free consultation and focus on the retirement questions that matter most to you right now. Get in touch now to see if Piedmont Capital Advisors is a good fit for your situation in Forsyth County.

Frequently Asked Questions

How do you get paid for what you do?

We earn a percentage of assets on advisory accounts, and some products, such as annuities, pay us a commission. Before you act on any recommendation, we explain in writing how that specific choice compensates us. You decide what to do next with the full numbers in front of you.

Do I have to come to Kernersville for meetings?

No. Winston-Salem clients can meet with us in person at our Kernersville office, or you can talk to us by phone or video, whichever works better for you. We arrange meetings around your schedule, and you get the same personal support and direct access to our team, no matter how you communicate.

What happens to my accounts if I move them to you?

We handle the transfer paperwork with your current firm, and in most cases, your investments move directly to us without a sale. When a transfer requires a sale that could create taxes, we flag it first and talk through your options. You continue to receive statements during the transfer, so you can track each account and make sure the balances match.

How often will I hear from you after the plan starts?

Piedmont Capital Advisors reviews your plan on a set schedule, quarterly or annually depending on your situation. We also reach out when something changes, such as an RMD deadline or a tax law update. You never need to wonder whether anyone is watching your accounts, because we put the reviews on the calendar ourselves.

Securities and advisory services offered through LPL Financial, a Registered Investment Advisor. Member FINRA & SIPC. The LPL Financial registered representatives associated with this site may only discuss and/or transact securities business with residents of the following states: NC, SC, VA, GA, AL, AZ, CA, FL, IL, KY, MD. This material is for general information only and is not intended to provide specific tax or legal advice. Please consult a qualified tax or legal professional regarding your individual situation.
Client Reviews

What Clients Say About Winston‑Salem.

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Kinsley Fraser profile picture
Kinsley Fraser
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I've been working with the Piedmont Capital Advisors team for nearly 10 years, and I truly can't recommend them enough. No matter what stage of life I've been in or what financial questions I've had, Jake, Eli, and the entire team have always been there with thoughtful guidance and support. One of the things I appreciate most is having advisors I've been able to grow alongside. They understand where I am in life, meet me where I am, and help me make informed decisions without ever making me feel rushed or judged. They've been incredibly patient through all of my questions, changing priorities, and life pivots, while also challenging me in the right ways to think bigger and plan for the future. It never feels like they're just managing investments. They genuinely care about helping their clients build the life they want. If you're looking for a knowledgeable, trustworthy, and down-to-earth team that will be in your corner for the long haul, I couldn't recommend Piedmont Capital Advisors more.
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Jason Schilling profile picture
Jason Schilling
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Jake was great to work with. He took the time to understand me and my goals and wasn’t trying to push any specific product. Highly recommend!
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Michael Torbert profile picture
Michael Torbert
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I would like to thank Jacob and his team at Piedmont Capital Advisors. I was fortunate to meet Jake, via Zoom call when I began to have an awkward banking relationship with my local bank's advice head. Jacob immediately made me comfortable discussing and explaining my specific financial needs and plans for the future. He and his team made my financial switch seamless. Jacob often gives me updates and has always been a brief call or email away.
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Alison Hofmann profile picture
Alison Hofmann
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Jacob and his team have been our financial planners for several years and we feel that we are in good hands. Jacob is proactive about managing our retirement accounts and plan. He reaches out to us a few times a year to go through our accounts and he always has ideas about what to do next and a plan for the future. He is very responsive with answering our questions and meeting with us. We had two financial Planners previously who we met with twice a year with no interaction in between. Jacob is entirely different with innovative ideas about retirement planning and planning for our children too.
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Tommy Newsom profile picture
Tommy Newsom
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Jacob is not only a great certified financial planner, but he and Elijah are great individuals. They are truly interested and care about you personally, your finances and how to make your investments grow for the season of life you’re in. We are very happy with how they handled the transfer of our investments from our previous firm to LPL and how they made everything as seamless as possible.
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Mark Bolens profile picture
Mark Bolens
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I switched advisors because I was not happy with the communication or the handling of my investments , from my first meeting with Jacob I have been impressed, he met with ne and gathered some information and at our second appointment he had a financial plan for me through my retirement . I would recommend him to anyone and a bonus is that he is very personable and listens to your needs
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Brandi Leonard profile picture
Brandi Leonard
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From start to finish, everyone there was incredibly helpful, patient, and knowledgeable when it comes to working with you with your retirement investment. They took the time to truly understand what I needed and didn't rush me. It is rare to find this level of care and professionalism these days! I would highly recommend Jake and Elijah to anyone.
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Katherine Burger profile picture
Katherine Burger
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Jake has been handling some of my accounts for a few years and it is always a pleasure to work with him. He is knowledgeable, understands my goals and works with me to achieve them, and is always quick to respond. I truly enjoy working with him.
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Duwayne Grimm profile picture
Duwayne Grimm
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Our discussion with the financial advisor went well. He did not pressure us, just told us what he could do for us. We like that type of discussion between us and him. We talked it over and decided to work with your company.
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Epic Coolman profile picture
Epic Coolman
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So far everything has been exhalent, response to my inquires have been timely. I would highly recommend Jake Rice and company. Jacob Rice, Piedmont Capital Advisors

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