Independent, fiduciary firm serving retirees in Forsyth County

Financial Advisor in Winston-Salem, NC

Piedmont Capital Advisors works with Winston-Salem retirees who built their careers at local employers such as Reynolds American and Wake Forest Baptist. Jacob Rice, CFP®, CLU®, ChFC®, RICP®, helps people in the area choose investments that fit their needs. As a fiduciary, he must put your interests first when making recommendations.

We cater to clients in Winston-Salem from our nearby Kernersville office, with meetings available by phone or in person. Your first conversation costs nothing.

Schedule a Free Consultation

Call (336) 803-2435

How Piedmont Capital Advisors Can Help

Retirement planning covers more than managing your investment accounts. We help those in Winston-Salem and throughout the Piedmont Triad make decisions based on what they want their retirement to look like.

Comprehensive financial planning

We bring your retirement finances into one plan so you can see how the pieces work together.
Retirement income planning

We help you decide when to claim Social Security, how to handle RMDs, and which accounts to draw from first.
Investment management

We build your portfolio around your goals, with access to investment products from across the market.
Tax mitigation strategy

We look for ways to reduce your tax bill through Roth conversions and smart withdrawal decisions. Your CPA handles the tax return.
Annuities

We consider annuities when guaranteed income makes sense for your retirement plan.

What Happened to Your Winston-Salem Retirement Account?

Winston-Salem retirees often still have retirement accounts tied to employers such as Wachovia and BB&T. Both banks went through major mergers, so the account you remember may now be under a different company name.

What Happened to Wachovia?

Wachovia had deep roots in Winston-Salem. First Union bought the bank in 2001, then Wells Fargo acquired Wachovia in 2008. If you still have an old Wachovia statement, Wells Fargo now manages that account.
What Happened to BB&T?

BB&T also called Winston-Salem home for decades. In 2019, BB&T merged with SunTrust to create Truist. Your old BB&T retirement account may now have different investment choices or fees.

Schedule a Consultation

We help Winston-Salem retirees trace old accounts to their current providers and review whether they still fit their retirement plans.

Schedule a Free Consultation

Call (336) 803-2435

Local Factors That Affect Your Retirement

Where you worked and where you live in Winston-Salem may impact your retirement plan:

Atrium Health Wake Forest Baptist employs more than 20,000 people, making it Forsyth County's largest employer. Many healthcare workers have a 403(b) with its own withdrawal rules. A career at Reynolds American or another longtime local employer may come with a pension alongside a 401(k).

We build your withdrawal strategy around the accounts you actually have. The order in which you use those accounts can affect when you claim Social Security and how much income your portfolio needs to provide.

Why Winston-Salem Retirees Choose Piedmont Capital

Here’s how we stack up against what you would get at another firm:

What Matters To You

With Piedmont Capital

What You May Find Somewhere Else

Working with a fiduciary

Jacob has a legal duty to put your interests first.

Some firms don’t meet this standard.

Choosing from a wide range of investments

We are independent, so we can recommend investments based on your needs.

Some firms limit recommendations to their own investment products.

Talking to someone you know

You can reach Jacob or his staff directly with questions.

Some firms use call centers for client calls.

Schedule a Consultation

How a First Conversation With Us Works

Your first contact with us is simple. Here’s what you can expect:

01
Reach out:

Call us or schedule online. We can meet by phone or at our Kernersville office.
02
Talk through your goals:

Tell us about your retirement goals and the accounts you have now. We can also look at older accounts that may have changed over the years.
03
Review your plan:

Our team puts together recommendations based on your goals and the accounts you actually have.
04
Decide what comes next:

We review the plan together. You decide what to do next.

Schedule a Consultation

Start With A Conversation About Your Goals

Piedmont Capital Advisors helps Winston-Salem retirees get a straight answer about what their accounts mean for retirement, so contact our team today. There's no cost for a first conversation and absolutely no obligation to move forward. We have a 4.9-star rating on Google.

Schedule a Free Consultation

Call (336) 803-2435

Frequently Asked Questions

How should I prepare for the first meeting?

Have recent statements for any accounts you can find, whether they date back years or you opened them recently. If you cannot find an old statement, don’t worry. We may be able to help you track down the account.

Is there a minimum amount to work with you?

We do not require a minimum account balance. Give us a call, and we can tell you whether our services fit your situation. If we're not the right fit, we will tell you plainly.

What happens after the first meeting?

You decide what happens next. Some people move forward right away, while others take time to think about things. We answer your questions and give you room to decide without pressure.

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.

Schedule Your Free Consultation Now

Call (336) 803-2435

Client Reviews

What Clients Say About Winston‑Salem.

    
 
 
         
   Kinsley Fraser 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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.
  
 
        
   Jason Schilling 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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!
  
 
        
   Michael Torbert 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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.
  
 
        
   Alison Hofmann 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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.
  
 
        
   Tommy Newsom 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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.
  
 
        
   Mark Bolens 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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
  
 
        
   Brandi Leonard 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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.
  
 
        
   Katherine Burger 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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.
  
 
        
   Duwayne Grimm 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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.
  
 
        
   Epic Coolman 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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