Broker Check

Services

Putting Your Money to Work


Investment Management Designed Around Your Goals


We build and manage diversified portfolios aligned with your timeline and risk tolerance. Our approach emphasizes cost- and tax-aware implementation and ongoing risk management.


What we do:

- Managed accounts and diversified ETF/SMA/mutual fund portfolios
- When appropriate, access to alternatives (e.g., RILAs, private equity) to complement core holdings
- Ongoing monitoring, rebalancing, and risk reviews

Keeping More of What You Earned


Tax Planning Integrated With Your Investments


We take a forward‑looking approach to help reduce lifetime tax impact across accounts and income sources, coordinating with your CPA when appropriate.


What we do:


-Roth conversion analysis and tax‑efficient withdrawal sequencing
-Loss harvesting, asset location, Social Security and Medicare timing considerations
-Business owner deductions and estate tax awareness 

Your Retirement Paycheck


Retirement Income Planning and “Your Retirement Paycheck”


We turn savings into a coordinated, sustainable income plan so you know what’s coming in, when, and for how long—adjusted as markets and life evolve.


What we do:

-Social Security and pension optimization
-RMD planning and withdrawal order across accounts
-One‑page income map; ongoing stress tests for inflation and market variability 

Learn More About Retirement Income Planning

Passing It On 


Estate and Legacy Planning Coordination


We help align beneficiary designations, titling, and your financial plan with your attorney’s documents to support efficient, intentional asset transfer.


What we do:


-Beneficiary and titling audit across all accounts and policies
-Will/trust review guidance; coordination with your estate attorney
-Business succession, real property/land transfer, and gifting strategies

Private Asset Placement


Private Investments and Alternatives (When Appropriate)


For qualified clients, select private equity, private credit, and other alternatives may complement diversified portfolios. We focus on fit, risks, fees, and liquidity before any decision.


What we do:


-Suitability and accreditation review
-Education on structures, risks, fees, and liquidity constraints
-Ongoing monitoring within the total‑portfolio context 

Protecting Your Ability to Earn


 Income Protection and Insurance Planning


We help protect the cash flow your plan depends on through coverage evaluations tailored to your role and responsibilities.


What we do:


-Individual disability coverage aligned to occupation and income
-Business overhead expense and key person coverage coordination
-Periodic policy reviews and beneficiary/ownership checks 

Life Insurance That Does More Than You Think


Life Insurance for Protection and Estate Liquidity


From straightforward income replacement to policies designed to support estate objectives, we evaluate options and integrate them with your broader plan.


What we do:


-Term and permanent policy design, stress‑testing, and reviews
-Estate liquidity planning and beneficiary/ownership coordination
-Collaboration with your attorney/CPA as needed 

Planning Your Exit on Your Own Terms


Business Succession and Owner Exit Planning


We model sale, transfer, or gradual step‑back scenarios and align them with your personal financial independence goals, with contingency plans for disability or death.


What we do:


-Transition scenarios, timelines, and readiness checklists
-Buy‑sell agreement funding coordination

-Informal business valuation
-Collaboration with legal and tax advisors 

Why Work With Us?

Why Work With Us?

There's no shortage of financial advisors, but many may not understand your world. Bill Gross grew up on a farm, worked construction, built a cabinet shop from the ground up, and spent over a decade as a commodities broker working alongside farmers before ever becoming a financial advisor. Tucker spent his college years in construction, studying entrepreneurship, and still spends his time hunting and in the outdoors. We didn't learn about your world in a textbook — we came from it. That's not a marketing line. It's why we built this firm for the people we understand best and enjoy working with most. When you sit down with Palmerus Wealth you're not explaining your life to someone who has never done the work. You're talking to people who get it — and who built a firm specifically around helping people like you make the most of everything they've worked for.

Ready to see what your full picture looks like?

If something on this page resonated with you, the next step is a simple conversation. No obligation, no pitch — just an honest look at where things stand and whether we can help. Fill out the form below with any questions and we'll be in touch.

Thank you!
Oops!