One plan that covers your investments, your taxes, your retirement, and your estate together.
As an independent, fiduciary firm, Piedmont Capital Advisors builds your plan around what’s right for you, not a menu of proprietary products.
What a comprehensive plan covers
These are the pieces we bring together into one plan, built around your specific accounts.
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Wealth Management
Build and manage your investment portfolio, matched to your risk tolerance and split across accounts to support it.
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Tax Planning
Decide which account to draw from and when, and revisit that decision every year. This is strategy only. We don't prepare or file your tax returns.
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Retirement Planning
Map your Social Security timing, withdrawal order, and required minimum distributions, so your future is secured from the start.
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Estate Planning
Review your beneficiaries, titling, and trust needs alongside your estate attorney, so your accounts match what your documents say.
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Risk Management
Check your current insurance coverage against the plan, and flag anywhere the two don't match.
Ready to see it all in one place?
Book a free introduction and we'll walk through what a comprehensive plan would look like for you.
Schedule a ConsultationWhy choose Piedmont Capital for your comprehensive plan
Most households have their investments, their taxes, their retirement accounts, and their estate documents handled by three or four different people who never compare notes. Jacob Rice, who holds the CFP® designation built around comprehensive planning, looks at every piece of your plan at once, and coordinates directly with your CPA and your estate attorney so the pieces agree with each other.
On your advisory accounts, he’s also a fiduciary, legally required to act in your best interest, so recommendations are based on what is right for your goals and your future.
How we build your plan
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Fact-find
We ask about every account, policy, and document you have, not just the ones you'd typically bring to an investment meeting.
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Gather the actual paperwork
We pull statements, policies, and estate documents directly, because that's where we find the details that matter.
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Build across all five areas at once
We check and coordinate each decision to make sure it fits with the larger picture. For example, we consider what a Roth conversion does to this year's tax bill before it goes in the plan.
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The written plan
We put the plan in writing across one to three meetings, in plain language, so you can see the whole picture before deciding what to act on.
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Implementation and review
We put the agreed pieces in place, then meet quarterly or annually depending on your needs, and check in with your CPA and attorney as things change.
Who this is for
Here's who tends to start with a comprehensive plan, and what usually brings them in.
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Families approaching retirement
Your investments, tax strategy, and estate documents have never been reviewed together, and you want one plan instead of three separate ones.
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Professionals and business owners in peak earning years
You're juggling equity, tax exposure, and retirement contributions, and want someone watching all of it at once.
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Recent retirees
You want an advisor checking the plan as your income, taxes, and spending change, not a binder that gets filed away.
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Anyone who already has an advisor
You've never seen a written plan that covers all four pieces together, and want a second opinion on what you have.
Already have an advisor?
If that last one is you, we'll review what you have and tell you plainly where it stands. Sometimes that confirms your plan already works, and other times we can show you a better approach.
Schedule a ConsultationBuild one plan around your whole picture
Talk to us about your investments, your taxes, your retirement, and your estate together. The first conversation costs nothing.
Common questions
What does a comprehensive plan cost?
A plan covering five areas doesn't come with a flat rate, because the price depends on how many accounts you have and how complicated your situation is. You'll know the number after we've looked at your accounts together, before you agree to anything.
Does this include preparing or filing my taxes?
No. Our tax planning is strategy only: deciding which account to draw from and when. We don't prepare or file your tax returns. Instead, we work alongside your CPA for that part.
Will you write my will or set up my trust?
No. We coordinate directly with your estate attorney on the documents themselves, and make sure your accounts, beneficiaries, and tax strategy match what's in them.
What does "fiduciary" mean here?
On your advisory accounts, it means Jacob is legally required to act in your best interest, so recommendations are based on what's right for you, not what pays him the most.
What if I already have an advisor?
That's a common reason people call. We'll review what you have and tell you plainly whether it's working or where a stronger plan would help.
How long does it take to build the plan?
Usually one to three meetings to build and present it, then reviews quarterly or annually depending on your needs.