Creating synergies within all areas of your financial life.
About Us
At PFS 360, financial planning starts with a different question:
Where do you want to go?
Money is a tool. The real goal is having the time, freedom and financial confidence to focus on what matters most to you. That is why we begin by understanding your goals, values, relationships, responsibilities and the life you want your financial resources to support.
Then we take a true 360-degree view. Financial planning, taxes, investments, retirement, estate considerations and - for business owners - the business itself are connected. A decision in one area can affect every other area. We bring those pieces together before helping you decide what comes next.
PFS 360 serves individuals, families and small business owners with integrated financial planning, tax planning and preparation, accounting and wealth management. We also help clients navigate high-impact life transitions including retirement, divorce, inheritance, loss and major business or career changes.
Our job is not simply to produce reports or manage accounts. We help organize the financial picture, identify opportunities and risks, turn recommendations into action and provide accountability along the way.
A TRUE 360° VIEW OF YOUR FINANCIAL LIFE
Our services are designed to work together. PFS 360 coordinates financial planning, tax planning and preparation, small business accounting and wealth management so decisions are made with the whole financial picture in mind. For business owners, we look at both sides of the equation: the business you are building and the personal financial life that business is meant to support.
We provide personal, business and fiduciary tax preparation, projections and proactive tax planning. Because tax decisions affect retirement, investments, cash flow and business decisions, we coordinate tax strategy with the client's broader financial picture.
We provide bookkeeping and financial reporting for small businesses so owners have timely, useful financial information. We then connect the business numbers to tax planning and the owner's personal financial plan.
We help clients answer three questions: Where are you today? Where do you want to go? What needs to happen to get there? Our comprehensive planning can integrate retirement, cash flow, investments, taxes, education, insurance, estate considerations and major life decisions into one coordinated roadmap.
Investment management should support the financial plan, not exist separately from it. We build and monitor portfolios around each client's goals, risk tolerance, time horizon, cash flow, tax considerations and long-term financial roadmap.
Major life changes often create important financial decisions when emotions are running high. We help clients navigate retirement, career changes, inheritance, loss, family changes and other transitions with coordinated financial, tax and investment planning.
Divorce can permanently reshape cash flow, taxes, retirement and long-term financial security. Our divorce financial planning helps clients understand settlement alternatives, asset division and the short- and long-term financial consequences of the decisions in front of them.