General
Our home office is conveniently located in Triad Center I at 6000 Poplar Avenue, Suite 250, Memphis, TN 38119. While we are rooted in the heart of East Memphis, our team serves clients throughout the greater Memphis metropolitan area and the Mid-South region. We frequently partner with individuals and families in Germantown, Collierville, Bartlett, Lakeland, and Arlington, as well as those just across the border in Olive Branch and Southaven, Mississippi. Whether you prefer an in-person meeting at our Poplar Avenue office or a virtual consultation from anywhere in the country, we make professional wealth management accessible and convenient for the entire Mid-South community.
Retirement Readiness & Income.
We build a retirement projection based on your current savings, expected contributions, investment growth, and lifestyle goals. If you’re not exactly on track, small adjustments—saving more, retiring slightly later, or optimizing your investment strategy—can make a major difference over time.
We determine a sustainable withdrawal strategy based on longevity, inflation, portfolio structure, and market risk. Our goal is to help you enjoy retirement while reducing the risk of outliving your money, often building income plans with dependable income sources.
We coordinate IRA withdrawals, Roth distributions, Social Security timing, and investment income to manage tax brackets, work towards reducing Medicare surcharges, and improve lifetime tax efficiency.
We evaluate gifting strategies, education funding options, and long-term cash flow to balance generosity with financial stability.
IRMAA (Income-Related Monthly Adjustment Amount) is a Medicare surcharge that increases Part B and Part D premiums for higher-income retirees. Because IRMAA is based on income from two years prior and operates in income tiers, proactive planning around Roth conversions, capital gains, and withdrawals is essential to help avoid unnecessary premium increases.
Investment Strategy & Risk.
Your portfolio should reflect your time horizon, income needs, risk tolerance, and legacy objectives. We align allocation with your goals rather than chasing short-term performance.
For high-net-worth families, risk is less about daily volatility and more about concentration, liquidity, leverage, and permanent capital loss. We stress-test portfolios and evaluate exposures—including overlooked risks like tax law changes and estate implications for heirs.
Market volatility is normal, but emotional decisions can permanently harm long-term results. During downturns, we stay disciplined, rebalance strategically, and help keep your portfolio aligned with your time horizon so you aren’t forced to sell at the wrong time.
We evaluate tax impact, staged selling strategies, hedging approaches, exchange funds, and charitable gifting options. If held inside a retirement account, an NUA strategy may provide significant tax advantages and should be reviewed before making changes.
Alternatives can enhance diversification and potential returns but introduce illiquidity and complexity. We assess whether these investments align with your liquidity needs and broader portfolio structure.
Tax Planning & Efficiency.
Tax planning is one of the biggest value-adds an advisor provides. We evaluate your entire financial picture using strategies such as asset location, Roth conversions, tax-loss harvesting, charitable planning, and capital gains management. The objective is long-term tax efficiency, not just lowering this year’s bill.
We design flexible strategies that remain effective under multiple tax scenarios and revisit plans regularly to adapt to legislative changes.
Planning should begin 1–3 years before a business sale, IPO, or inheritance. We coordinate tax planning, trust structures, diversification strategy, and charitable planning in advance.
Legacy & Estate Planning.
We review beneficiary designations, coordinate estate documents, and help provide your family clarity to avoid probate delays and unintended outcomes.
Strategies may include lifetime gifting, irrevocable trusts (SLATs, GRATs), dynasty trusts, and charitable structures to minimize estate taxes while maintaining flexibility.
We model sustainable spending while preserving a defined legacy target, allowing you to enjoy your wealth confidently while working to protect future generations.
Asset protection includes proactive strategies such as proper titling, trusts, LLC structures, umbrella insurance, and state-specific planning. These protections must be established before a legal claim arises.
Cash Flow & Life Contingencies.
Most households benefit from maintaining 3–6 months of expenses in liquid reserves. Higher net worth families may also need additional liquidity for private investments or large planned expenditures.
We compare interest rates, opportunity cost, tax considerations, and cash flow flexibility to determine the most efficient strategy for your situation.
We incorporate Medicare planning, supplemental insurance decisions, HSAs, and long-term care strategies into retirement projections to prepare for one of retirement’s largest expenses.
Disclaimer: This information does not constitute legal or tax advice. PCIA and its associates do not provide legal or tax advice. Individuals should consult with an attorney or professional specializing in the fields of legal, tax, or accounting regarding the applicability of this information for their situations.
