Investors who understand this have access to something that most people with $1 million or more don’t.
This is the real reason why most deep-pocketed investors can’t find the right wealth manager.
It doesn’t mean the right company doesn’t exist. It is that they are looking in the wrong place.
The referral and geography model that most people use to find a financial advisor, ask a friend, call someone an accountant knows, or meet someone with an office nearby, was designed for a different era. It was designed for a time when managing large wealth meant driving to a local branch and handing your future over to whoever is training in your zip code.
This model has a roof. For investors with $1 million or more in retirement assets, this ceiling quickly appears.
A geographically appropriate consultant may be excellent at what they do. But excellent at what? Asset development during your working years? maybe. Do you want to coordinate your CPA, real estate attorney and investment manager into one unified strategy? Absolutely not. Can access to the private real estate deals, private credit, and alternative investments be provided at the institutional level that university endowments have used for decades? Almost never.
A wealth manager tailored to your actual level of complexity is not limited by geography. They are patriots. It operates on the same principle that has always governed family offices and institutional investors: selection by specialty and qualifications, not by proximity.
This is the way Appearance of PCM It was built. It has always been available to qualified investors wherever they are.
The transformation is already underway. Most investors haven’t caught up.
According to PwC research on high-net-worth investors, most respondents now prefer to conduct financial planning and advice remotely with an advisor. Only one in four high-net-worth investors still have regular in-person meetings with their financial advisor.
Three out of four no longer meet their wealth manager in person. It’s not because they stopped caring about the relationship. Because they realized that geography was never the right candidate to choose one.
This is not a new phenomenon. It has become impossible to ignore.
The world’s richest families have always worked with specialist advisors, lawyers and investment teams selected for qualifications, not location. The family office does not hire a CPA because their office is nearby. They hire them because they are the best at managing the tax complexity that comes with great wealth.
For the first time, this model has become available to individual investors with assets of $1 million or more. Accessing it requires nothing more than a virtual consultation.
What Appearance of PCM The actual delivery is different from what most people imagine when they think of online wealth management.
This is not a robo-advisor. This isn’t a Zoom call with a specialist who also manages 140 other client relationships.
Appearance of PCM It was built by Michael Paulus, former investment partner at Andreessen Horowitz, Chairman of Addepar, and two-time fintech founder whose companies collectively report more than $6 trillion in assets. He built PCM Encore for his multibillion-dollar private family office, then made it available to qualified investors with assets of $1 million or more.
What does that mean in practice:
A dedicated team of professionals, not a single general consultant. Investment managers, financial planners, estate attorneys, tax accountants, and insurance professionals who work in coordination on your behalf. The same family office model used by the world’s richest families.
Access to alternative investments is not typically available through traditional advisors. Private real estate deals. Non-traded REITs. Private credit. Alternative strategies at the institutional level. Asset classes that university endowments have used for decades to obtain returns and diversification that public markets alone may not provide.
The science of private investing created by a founder who holds two patents. The technology platform underpinning it all Appearance of PCM The client relationship was created for the founder’s family office and refined over years of real-world application before being made available to clients.
A credit structure designed to match your interests. Employee-owned, no private equity, no commissions, no internally owned products. The consultants who answer your calls are the people who own the company.
It was all delivered virtually. From wherever you are.
The problem with local wealth management is not the people. It is the structure.
When most investors find an advisor through referral or geography, they are getting an accretion specialist. Someone who has been trained in asset development during your years in business. An excellent person in the first stage of wealth management.
But retirement is the second stage. It requires something different.
Tax-efficient withdrawal sequences across account types. The timing of Social Security and its interaction with Medicare premium surcharges. Manage RMD and Roth Conversion Window. Coordinate between the investment advisor, CPA, and real estate attorney so that all three are working from the same plan.
Most consulting relationships were never designed to deliver all of this. The advisor manages the portfolio. The CPA files the taxes. The lawyer drafted the documents years ago and has not touched on them since. And the gaps between those three relationships are where wealth quietly disappears.
Appearance of PCM It is specifically designed to fill those gaps. Not as an addition to the traditional consulting model. Such as the company’s founding design.
According to PwC research, 46% of high net worth investors plan to change or add a new wealth management relationship in the next 12 to 24 months. Among the main reasons: the inability of their current advisor to support their changing financial circumstances.
This is retirement transition in plain language. This is exactly the transformation Appearance of PCM Built to serve.
A private consultation is how to start.
We never built Appearance of PCM About marketing. We built it around results. Investors who are best suited to what we offer discover this quickly, because the first conversation is not a sales pitch. It’s a real assessment of whether the family office model is right for your situation.
In a 30-minute virtual consultation, a member of our specialist team will go through your current financial picture, identify specific gaps that a traditional advisory relationship may leave open, and explain exactly what they are. Appearance of PCM The model means your retirement income, your tax strategy, and your estate.
No to moving. There is no waiting room. No commitment.
If it doesn’t fit, we’ll let you know directly. The investors we serve are too sophisticated for anything less.
Appearance of PCM Serves qualified investors nationwide.
Offices in New York, Palo Alto, Bellevue, Aspen, Dallas, Miami, and Richmond.
Citations
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