Business Details
26 Years
experience
Your Trusted Financial Partner in Roanoke, VA
Founded in 2000, Pearman And has dedicated over two decades to empowering individuals, families, and small businesses to achieve their financial goals. Our approach combines personalized financial planning with fiduciary responsibility, ensuring clients receive objective advice tailored to their unique circumstances. With expertise in retirement planning, wealth management, and investment strategies, we prioritize transparency and long-term client relationships.Our fee-based structure aligns client and advisor interests, fostering trust through clear communication and ethical practices. Recognized for excellence through industry certifications and client loyalty, we remain committed to delivering actionable solutions that simplify complex financial decisions. Headquartered in Roanoke, Virginia, we serve clients across North Carolina, Pennsylvania, Virginia, West Virginia, and Idaho.
Services
Retirement Planning
Wealth Management
Investment Advisory
Estate Planning
Tax Strategies
College Funding
Business Succession Planning
Risk Management
Cash Flow Analysis
Philanthropy Planning
Details
- Year established: 2000
Highlights and features
- We offer 23 years of experience in personalized financial planning and investment management.
- Our fiduciary responsibility ensures all recommendations prioritize client best interests.
- Fee-based structure eliminates conflicts of interest associated with commission-driven models.
- Comprehensive approach covers retirement, estate planning, tax strategies, and wealth preservation.
- Proven track record of long-term client relationships built on trust and transparency.
Services
Retirement Planning
We develop customized retirement strategies that address income needs, tax efficiency, and risk management. Our approach integrates Social Security optimization, 401(k) rollovers, and sustainable withdrawal plans. With over 23 years of experience, we help clients transition from accumulation to secure income generation while minimizing market volatility impacts.
Wealth Management
Our wealth management services combine portfolio diversification with long-term financial goal alignment. We offer fee-based investment advisory using modern portfolio theory and risk assessment tools. Services include trust management, endowment planning, and intergenerational wealth transfer strategies tailored to high-net-worth individuals and families.
Estate Planning
We coordinate with legal professionals to create comprehensive estate plans that minimize tax liabilities and ensure asset distribution according to client wishes. Our services cover wills, trusts, power of attorney documents, and charitable giving strategies. We emphasize liquidity planning to maintain family financial stability during transitions.
Tax Strategies
Our tax planning services focus on reducing lifetime tax burdens through strategic investment positioning and retirement account management. We implement tax-loss harvesting, Roth conversions, and income bracket management techniques. The approach considers both current tax liabilities and future implications of financial decisions.
Business Succession
We help business owners develop exit strategies that preserve company value and ensure smooth leadership transitions. Services include buy-sell agreements, key employee incentives, and valuation planning. Our approach coordinates with accounting and legal professionals to create legally sound succession frameworks that protect both business and personal financial objectives.
People
Ben Pearman
Owner and Managing Principal
Ben Pearman And has guided individuals and businesses in financial planning for 23 years. Certified as a Small Business Advisor, he specializes in holistic wealth management and fiduciary investment strategies. His client-first philosophy emphasizes transparent communication and long-term relationship building through fee-based advisory services.
Questions
What financial planning services do you specialize in?
We specialize in retirement planning, wealth management, estate planning, tax strategies, and business succession planning tailored to individual and small business needs.
How does your fee-based model work?
Our fee-based structure charges a percentage of assets under management, ensuring alignment with client interests by eliminating commission-based product incentives.
Do you work with out-of-state clients?
We serve clients in North Carolina, Pennsylvania, Virginia, West Virginia, and Idaho, providing remote advisory services through secure digital communication platforms.
How do you handle investment risk management?
We use modern portfolio theory, risk assessment tools, and diversification strategies tailored to individual risk tolerance levels while maintaining long-term growth objectives.
What sets you apart from other financial advisors?
Our 23-year track record, fiduciary responsibility commitment, and holistic approach combine personalized service with institutional-quality investment management frameworks.
How often do you review client portfolios?
We conduct quarterly performance reviews and annual comprehensive plan assessments, with additional check-ins available for significant life changes or market events.
