At PDS Planning, we believe true wealth isn’t just about how much money you have, but how fully you’re living. Wealth should fuel purpose, joy, and peace of mind. Yet, many families struggle to feel the freedom their financial security should bring.
They’re financially sound on paper but can feel emotionally stuck. They hesitate to spend their assets and sometimes find it difficult to enjoy the rewards of their success or lose direction without a defined purpose. The financial plan may be solid, but the life plan feels incomplete.
Why Wealth Alone Isn’t Enough
Having significant assets doesn’t automatically translate into happiness. We’ve seen clients defer bucket-list travel goals, skip long-desired home improvement, or even delay retirement, not because they can’t afford it, but because they’re waiting for “permission.”
On the other hand, some overspend in search of fulfillment, only to find the joy short-lived. Neither extreme lead to long-term satisfaction. At PDS, we believe intentional spending, aligned with your personal values and life goals, is key to achieving the ultimate return on investment – a meaningful and fulfilling life.
Beyond the Numbers
Our planning process begins not with your portfolio or balance sheet, but with your purpose. One of the first questions we ask isn’t “Can you afford this?” Rather, we want to know, “Are you living the life you truly want?”
That’s where our comprehensive approach to financial planning makes all the difference. We consider your investments, tax strategy, estate plan, charitable giving goals—and most importantly—what brings you happiness. Everything we do is tailored to who you are, not just what you have.
Whether it’s finally taking that dream trip with your family, picking up a new hobby, or reinvesting in your community, our goal is to help connect your financial decisions to a more fulfilling life.
Helping You Live a Richer Life
We understand that wealth is complex. It’s not just about returns or how much you can accumulate; it’s about living a richer life. Our goal is to develop a financial plan that provides confidence that you will not exhaust your portfolio during your lifetime.
We hope this peace of mind serves as a reminder that you indeed do have true wealth – not measured against others but against your life’s purpose and the meaningful activities you share with loved ones.
A Relationship-Driven, Flat-Fee Model
At PDS, we’ve built our practice around transparency and trust. Our flat, fixed-fee pricing model means we charge for the time and expertise we provide and not a percentage of your portfolio. We have built a fee structure to minimize conflicts of interest, allowing us to deliver advice which is not influenced by our compensation.
Our clients appreciate knowing exactly what they’re paying and exactly what they’re getting. Most importantly, they appreciate the lasting relationships we build along the way.
It’s Your Life. Let’s Plan for It.
If you’ve built significant wealth but still feel uncertain, unfulfilled, or stuck, you’re not alone. Many successful individuals experience this tension between financial security and personal satisfaction. Let’s change that.
At PDS Planning, we’re committed to helping you live the life you’ve worked so hard to create—with intention, confidence, and joy.
IMPORTANT DISCLOSURE INFORMATION: Please remember that past performance is no guarantee of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by PDS Planning, Inc. [“PDS”]), or any non-investment related content, made reference to directly or indirectly in this blog will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this blog serves as the receipt of, or as a substitute for, personalized investment advice from PDS. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. PDS is neither a law firm nor a certified public accounting firm and no portion of the blog content should be construed as legal or accounting advice. A copy of the PDS’ current written disclosure Brochure discussing our advisory services and fees is available for review upon request or at www.pdsplanning.com. Please Note: PDS does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to PDS’ web site or blog or incorporated herein, and takes no responsibility for any such content. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. Please Remember: If you are a PDS client, please contact PDS, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, or if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services. Unless, and until, you notify us, in writing, to the contrary, we shall continue to provide services as we do currently. Please Also Remember to advise us if you have not been receiving account statements (at least quarterly) from the account custodian.
