Private Wealth Management & Consulting

What Private Wealth Management & Consulting does

Private Wealth Management & Consulting is an independent Registered Investment Advisor founded in 2012 by Edward Knowles and headquartered at 1680 Metropolitan Circle in Tallahassee, Florida, with a secondary office in Destin. The firm provides fee-based, comprehensive wealth management to high-net-worth individuals, executives, business owners, and credit union members across the Florida Panhandle, with service lines spanning investment management, retirement planning (including Social Security maximization), active tax management, estate planning, insurance and risk management, education funding via 529 plans, and executive/small-business benefits. The core team numbers five (Knowles as President/Wealth Advisor, Associate Wealth Advisor Cindy Garcia, Operations Manager Dawson Hulme, Client Service Specialist Zackary Loesch, and Senior Intern Owen Franklin), supplemented by an established Florida State University intern pipeline. The firm does not disclose revenue and operates without institutional or private equity backing.

The firm's technology stack is assembled from standard independent-RIA infrastructure rather than proprietary systems. LPL Financial serves as the registered broker-dealer and RIA, providing custody, compliance, and the WealthVision/eMoney financial planning platform; SEI Connect handles document management and statement/tax-form access; NFS Wealthscape supports account custody; and NextPhase Income Distribution Planning is the in-house differentiated methodology for time-segmented retirement income distribution. Client-facing distribution combines high-touch in-office advisory, three digital self-serve portals (WealthVision/eMoney, SEI Connect, Account View), and a credit-union channel via the FSU Credit Union Wealth Advisors program; client acquisition is supported by an extensive content library (100+ articles, 20+ videos, calculators) and a weekly market commentary newsletter archived since 2020.

PWMC operates a subscription/recurring revenue model with AUM-aligned or comprehensive flat fees discussed individually with clients, supplemented by a complimentary discovery review for prospects and no public fee schedule. Go-to-market is sales-led and relationship-driven, augmented by channel partnerships with credit unions. In 2025 the firm announced a transition to become a partner firm of U-Vest Financial, with branding migration and the LPL WealthVision platform consolidation scheduled through 2026; ownership and the advisory team remain unchanged under the arrangement.

Name

Private Wealth Management & Consulting

Legal name

Private Wealth Management & Consulting

Website

https://pwmcllc.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

1–10 employees

Short description

Private Wealth Management & Consulting is an independent Tallahassee-based RIA offering fee-based comprehensive wealth management — investment, retirement, tax, estate, insurance, and education planning — to high-net-worth individuals, executives, business owners, and credit union members, transitioning to U-Vest Financial as a partner firm.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro industry

PRIMARYFSAAACAB

Financial Planning–Led RIAs

Financial & Insurance/Asset & Wealth Management/Registered Investment Advisors (RIAs) & Independent Wealth Managers

SECONDARYFSABADAK

Private Banking Business Owners & Entrepreneur Solutions (Liquidity Events, Pre-IPO)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Private Banking

SECONDARYFSAEAAAO

Business Owner & Executive Financial Planning

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Investment Advisory & Financial Planning

SECONDARYFSAEABAC

Private Banking & UHNW Wealth Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

SECONDARYFSAEABAB

Broker-Dealer Affiliated Wealth Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

Keywords

• Wealth management advisory
• Financial planning services
• Retirement income planning
• Investment management services
• Estate and tax planning

Headquarters

HQ city

Tallahassee

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Fee-Based Wealth Management Advisory: Comprehensive financial planning and investment advisory services with fees aligned to AUM or flat-fee comprehensive offering rather than transaction-based commissions. Services include retirement planning, tax management, investment management, estate planning, and insurance services.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Private Wealth Management & Consulting delivers fee-based comprehensive financial planning and wealth management advisory services to high-net-worth individuals, executives, business owners, and credit union members. Core offerings include investment management, retirement planning, tax management, estate planning, risk management/insurance, education funding, and employee benefits, delivered through licensed wealth advisors backed by LPL Financial's broker-dealer and RIA infrastructure. The firm uses eMoney/WealthVision, SEI Connect, and Account View client portals, and is currently transitioning to operate under the U-Vest Financial partner firm brand.

Product overview

Private Wealth Management & Consulting is a fee-based financial advisory firm offering comprehensive wealth management services. The core offering centers on a unified financial planning and advisory platform that combines investment management, retirement planning, tax strategies, estate planning, risk management, and education funding. The firm operates primarily through LPL Financial as its broker-dealer and is transitioning to become part of U-Vest® Financial as a partner firm. Client-facing technology includes eMoney/WealthVision for financial planning, SEI Connect for document management, and the NextPhase Income Distribution Planning process for retirement income strategies. The firm also offers 529 college savings plans through American Funds CollegeAmerica and publishes a weekly market insights newsletter.

Differentiator

Problem solved

Functional benefit

Products and services

• Comprehensive Financial Planning & Advisory Services Highly-personalized financial planning service including investment objectives assessment, risk tolerance evaluation, formal investment planning, tax return review, retirement planning strategies, active tax management, ongoing plan monitoring, and quarterly update meetings for individuals, executives, and business owners.
• Investment Management Portfolio diversification analysis, risk tolerance assessment, and investment vehicle recommendations designed to help clients pursue their financial goals, with access to institutional investment programs and systematic portfolio rebalancing.
• Retirement Planning Maximizing employer-sponsored retirement plans, determining retirement savings needs, Social Security income maximization planning, and comprehensive retirement income strategies for individuals.
• Tax Management Strategies to reduce current and future tax burden, including tax-loss harvesting, bracket management, active management of taxes with non-qualified investment accounts, and coordination with qualified tax specialists.
• Estate Planning Review of wills and trusts, estate alignment with goals, heir preservation through tax and probate cost management, beneficiary designation coordination, and tax/legal advisor collaboration.
• Risk Management / Insurance Services Insurance needs analysis covering Term, Universal, Variable, and Whole Life insurance, Long-Term Care Insurance, and Disability Income Protection, including review of existing policies and coverage recommendations.
• Education Funding Investment and accumulation strategies for funding children's and grandchildren's education, including 529 Savings Plans through American Funds CollegeAmerica.
• Employee and Executive Benefits Business benefits packages to attract and retain qualified employees, including Small Business Retirement Plans (SEP-IRA, SIMPLE IRA, Solo 401(k)), Employee Benefits Analysis, and Business Owner Buy-Out Insurance.
• NextPhase Income Distribution Planning Time-segmented income distribution strategy for retirement that focuses on efficient distribution of accumulated assets during retirement, helping clients plan for years of distribution needs across accumulation and distribution phases.
• American Funds CollegeAmerica 529 Savings Plan Tax-efficient college savings plan offering gifting slips for contributions toward beneficiaries' education expenses including tuition, fees, books, and equipment.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• U-Vest FinancialcoreStrategic or Co-development PartnerPrivate Wealth Management & Consulting is transitioning to become part of U-Vest Financial as a partner firm. This merger allows the team to continue serving clients with the same advisors while adding additional resources, technology, and support. The transition strengthens long-term continuity and contingency planning for clients.
• LPL FinancialcoreTechnology or IntegrationSecurities and advisory services offered through LPL Financial, a registered broker-dealer and RIA. LPL provides the custodial infrastructure, compliance framework, and technology platform (including WealthVision/eMoney) for the firm's operations.
• Credit UnionscoreChannel Partner/ Reseller/ DistributorFSU Credit Union Wealth Advisors program providing wealth management services to credit union members. The firm serves as the advisory arm for participating credit unions, offering retirement planning, investment management, and insurance services to their member base.

Scale indicators3 records

Recent moves5 records

Expansion highlights6 records

Broad incumbents

• Edelman Financial Engines: Large independent RIA combining financial planning, investment management, and retirement-focused advice for individuals and executives — a scaled analog of PWMC's planning-centric, fee-based model.
• Cetera Financial Group: A large broker-dealer and RIA platform supporting thousands of independent advisors with custody, compliance, and practice management — comparable to the LPL Financial platform that PWMC uses to deliver its advisory services.
• Cambridge Investment Research: Independent broker-dealer and RIA supporting independent advisor practices with custodial, technology, and business consulting resources — a comparable infrastructure model for small-to-mid independent wealth management firms like PWMC.
• Northwestern Mutual: Large-scale provider of comprehensive financial planning, insurance, and investment services to individuals and business owners — overlapping with PWMC's bundled wealth, insurance, and retirement planning offering for HNW clientele.
• Focus Financial Partners: Partnership and consolidation platform for independent RIAs, providing capital, technology, and operational scale — comparable in concept to the U-Vest Financial partner-firm model that PWMC is joining.

Direct peers

• Savant Wealth Management: Mid-market independent RIA offering comprehensive financial planning, investment management, and tax services to HNW individuals and business owners — a strong comparable in scale, service breadth, and client profile to PWMC.
• Carson Group: Carson Group operates a partnership model for independent financial advisors, providing shared technology, coaching, and back-office infrastructure — directly analogous to PWMC's transition to U-Vest Financial as a partner firm.
• Mariner Wealth Advisors: Independent, fee-based RIA delivering comprehensive financial planning to HNW individuals, executives, and business owners — closely matching PWMC's service mix, fee model, and target clientele.
• Creative Planning: Large independent RIA providing holistic wealth management including investment, tax, estate, and retirement planning to HNW households — a scaled analog of PWMC's fee-based, planning-led advisory model.

Others

• GreenPath Financial Wellness: Credit-union-affiliated financial wellness and advisory services provider; relevant given PWMC's FSU Credit Union Wealth Advisors channel partnership and credit union distribution model.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/PWMCLLC

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Private Wealth Management & Consulting