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
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Financial Planning
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Retirement Planning
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Investment Planning
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Retirement Income Planning
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Investment Management
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Social Security Timing
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Annuities
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Required Minimum Distribution (RMD) Planning
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Roth Conversion Strategy
Local Factors That Affect Retirement
Your former employer in Winston-Salem can affect how you use your retirement savings today.
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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.
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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.
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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:
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.
What Clients Say About Winston‑Salem.
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