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Is a fiduciary advisor providing services to clients nationwide.  They are based in Florida and are dedicated to helping pre-retirees and retirees protect and grow their retirement savings. In today’s financial environment, most people are looking for a reliable strategy for growing their nest egg. Whether that’s through an IRA, an employer-sponsored benefit plan, the stock market, or a bank, you can’t afford to lose it.
 
The Pearl Advisory Group uses many different types of investments and insurance products to help achieve portfolio stability and growth. Our firm is dedicated to and focused specifically upon your individual needs to assure your specific goals are met. We use a variety of planning tools to make sure you have a realistic plan to achieve your retirement goals while mitigating risk.

 

Specializing in Money Management System That Is Designed To Be Low Risk, Low Volatility.

Do you have a strategy to cash out during the next market downturn?

(S&P 500 Jan 1, 2000 to Mar 31, 2017 Source: Yahoo Financial)

(S&P 500 Jan 1, 2000 to Mar 31, 2017 Source: Yahoo Financial)

Discover the power of a tactically managed portfolio

We offer two free reports that help identify your portfolio risk and we will introduce you to investment models that will hold a higher percentage of cash during a down market cycle.

Do you have a retirement plan?
We can help…

The process of making a plan is important to the security of your financial future.  Research has shown that people have a lot of anxiety about retirement and investing because of all the variables involved.  Our planning model makes sure that you know your key financial numbers and we can help you create a tailored plan with your lifestyle, goals, and needs in mind.

Here is our process we call “Know Your Numbers & Have a Plan”

Know your risk score

Every investor has a risk tolerance they are comfortable with and every investment has a risk score. Do you know the number that describes you and your investments?

Know your Max Drawdown number

This is the maximum loss you are willing to take in your investment portfolio. You should set a Max Drawdown number that you are comfortable with ahead of time, not under the pressure of a down market.

Know your annual withdraw rate

Your annual withdrawal rate is the percentage you are taking from your investment portfolio each year. This number depends on many factors and should be customized to fit your needs.

Have a plan!

Most people don’t have a plan. They have stacks of statements and insurance policies that tells them today’s values, but very little about their future financial outlook. We offer a series of reports to anyone who schedules an appointment with us offering insight into your financial plan. 

Find out more about concepts related to retirement and financial planning on our Trust Management page.

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Contact Us

Office: 941.484.6590
Cell: 941.223.1397
Fax: 941.237.3026
lpearljr@gmail.com
lee@thepearladvisorygroup.com

 

accredited business

What Is Your Risk Number?

Our clients assets are held in Trust with Trust Company of America! It is our fiduciary goal to provide to you a level of service, expertise and access unmatched in the industry. We manage investment portfolios for investors who would like to maximize their returns based on their risk tolerance. Our process takes the emotion out of investing. Our clients hire us to help protect and manage their estates against the most prevalent risks including taxes, market risk, longevity, inflation, hyperinflation, medical and lawsuits. If these risks are not managed we can not live Optimal lives. Our goal is to prepare proper planning utilizing and  including tax free growth and income with Trust planning so that our clients can access their money and no one else can. We work with several attorneys who specialize in trust management and estate planning.

 

Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Advisor. Horter Investment Management does not provide legal or tax advice. Investment Advisor Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through The Pearl Advisory Group.Securities transactions for Horter Investment Management clients are placed through Trust Company of America, Jefferson National Life Insurance Company.