Business Details
4 Years
experience
Financial Life Planning Experts in Raleigh, NC
PLC Wealth Management is your dedicated partner in navigating the complexities of financial planning. Founded by seasoned professionals with decades of combined experience in wealth management, we specialize in aligning financial strategies with your core values and life goals. Our approach is rooted in the belief that true financial success stems from understanding the intersection of personal aspirations and economic realities. We act as trusted guides, offering tailored advice to help clients optimize their resources, minimize tax burdens, and achieve long-term stability. Our commitment to continuous improvement ensures that every plan evolves alongside your life journey. By prioritizing stewardship and efficiency, we help clients transform financial success into lasting significance.Our team combines advanced technology with personalized service to deliver actionable insights, whether you're planning for retirement, managing generational wealth, or navigating unexpected life changes. With a focus on transparency and integrity, we empower clients to make informed decisions that reflect their unique circumstances. Our expertise spans tax-efficient investment strategies, risk management, and behavioral coaching to mitigate emotional volatility in financial decision-making. At PLC Wealth Management, we measure success not by market benchmarks, but by our clients' ability to pursue meaningful lives unburdened by financial uncertainty.
Services
Tax Planning
Investment Management
Risk Management
Estate Planning
Retirement Planning
Asset Allocation
Insurance Audits
Behavioral Coaching
Portfolio Maintenance
Financial Policy Statements
Details
- Year established: 2022
Highlights and features
- We offer integrated tax and financial planning tailored to your values
- Our advisors hold elite certifications including CFP, CPA, and PFS designations
- We implement evidence-based investment strategies for measurable results
- Our behavioral coaching helps avoid emotional investment decisions
- We provide comprehensive risk management and insurance audits
Associations and certifications
- CLU
- ChFC
- CFP
- CPA
- PFS
What people say
Values-aligned planning
Compassionate guidance
Tax-efficient strategies
Personalized approach
Seasoned professionals
Services
Investment Management
Our evidence-based investment strategies focus on diversified global portfolios and strategic asset allocation. We implement tax-sensitive approaches while maintaining cost efficiency across all investment tiers. By combining factor-based investing with Fama-French research, we optimize returns while minimizing behavioral risks. This service helps clients navigate market volatility with disciplined rebalancing strategies.
Tax Planning
Integrated tax planning addresses capital gains harvesting, tax-efficient asset location, and strategic withdrawal methods. Our approach coordinates with overall financial objectives to minimize lifetime tax burdens. We employ advanced techniques for both current and intergenerational tax efficiency while maintaining compliance with evolving regulations.
Risk Management
We conduct comprehensive reviews of insurance coverage and risk exposure, identifying protection gaps while eliminating redundancies. This service evaluates life, disability, and long-term care policies to ensure adequate safeguards. Our analysis considers both personal circumstances and broader economic risks impacting financial security.
Goal Planning
Values-driven goal planning establishes clear financial finish lines aligned with personal aspirations. We quantify objectives while developing actionable pathways for achievement. This approach incorporates cash flow management and behavioral coaching to maintain progress through market fluctuations and life transitions.
Portfolio Maintenance
Ongoing portfolio maintenance ensures optimal tax efficiency and asset allocation through regular rebalancing. We monitor investment performance against benchmarks while implementing strategic adjustments. This service includes quarterly reporting and technology-driven performance tracking to maintain alignment with evolving financial objectives.
People
Josh Self
Managing Partner
With CLU, ChFC, and CFP designations, Josh brings over 20 years of experience in comprehensive financial planning, specializing in tax-efficient strategies and intergenerational wealth transfer.
Michael Perkins
Senior Wealth Planner
As a CPA and PFS, Mike focuses on complex tax situations and retirement income planning, combining accounting expertise with sophisticated wealth management techniques for high-net-worth clients.
Sandra Coghlan
Operations Manager
Sandra oversees firm operations and client service delivery, ensuring seamless execution of financial plans while maintaining strict adherence to compliance standards and service protocols.
Michael Zeblo
Associate Advisor
A CPA and CFP, Michael specializes in investment analysis and behavioral finance, helping clients implement evidence-based strategies while providing comprehensive financial education.
Questions
What is Financial Life Planning?
Our approach connects financial decisions with personal values and life goals, creating coordinated strategies that evolve alongside your changing circumstances and aspirations.
How do you handle investment management?
We implement diversified, tax-sensitive portfolios based on Fama-French research, focusing on cost efficiency and strategic asset allocation rather than market timing.
What makes your tax planning different?
We integrate tax considerations into every aspect of financial planning, optimizing both current and future tax scenarios through proactive, coordinated strategies.
Do you work with specific client profiles?
We specialize in serving accomplished individuals seeking comprehensive wealth management, particularly those transitioning through significant life changes or retirement planning.
How are fees structured?
Our investment management fees use tiered asset-based pricing starting at 1.500% for portfolios under $500,000, decreasing for larger balances with transparent fee calculation.
What services are included?
We offer integrated tax planning, investment management, risk assessment, estate planning, and behavioral coaching to create holistic financial strategies aligned with client goals.
