Over the years, we’ve developed and refined a proprietary process we call the PEARL Formula.™ Our process integrates wealth management with risk and debt management, tax planning and philanthropy. Our goal is to take all the pieces of the financial puzzle and put them in place.

Each plan and puzzle is unique. Many of those pieces may not seem relevant now. But as life unfolds and needs evolve InvestWell and the PEARL Formula™ follow a process to ensure financial independence.

Our goal is to help you implement a plan with multiple strategies to reduce risk for all possible outcomes. There is no “one size fits all” solution when it comes to planning for the future. And because we’re an independent firm, we’re under no obligation to sell proprietary products or services.

We’re objective and selective, offering only those investment products and services we believe are best suited to help meet our clients’ financial goals.

When creating the PEARL Formula™ plan we address:


  • Tax Optimization Strategies
  • Maximizing Charitable Contributions
  • Estate Equalization: Wills or trusts — what’s needed?
  • Asset Shifting and Distribution: Assessing and solving income gaps
  • Family Income and Security: Preserving and protecting your portfolio
  • Insurance and Long-Term Care Planning: Handling unexpected life events
  • Business Succession: Crafting and implementing an exit plan
  • We gather the pieces of your financial puzzle.
  • We guide you to what you want to accomplish with business and financial planning.
  • We determine together where we can help.
  • We get you to take action.
WE ask the tough questions

  • Where are you now and what’s important to you?
  • What concerns need to be addressed?
  • What keeps you up at night?
  • Providing financial education and multiple solutions.
We Empower Your decisions by…

  • Providing a financial road map of your “now.”
  • Assessing and analyzing every nuance of your investments.
  • Explaining, without bias, all potential gaps.

YOU make the informed decisions!

WE ask the tough questions
We know there are “critical life events” which may impact your financial plan. Political, geopolitical, economic and other world events can also lead to uncertainty and contribute to viewing the future with apprehension.
While no one can predict the future, we can do our best to anticipate your financial needs for today and beyond. The PEARLFormula™ keeps the pieces firmly in place as your life unfolds and needs evolve.
Build a viable tomorrow, today.
Retirement is about cash flow and minimizing your tax burdens. But what you don’t know in retirement about taxes may have a tremendous impact on how well you live. At InvestWell, we design customized “Tax Maps” and financial plans to assist you in maximizing your income in retirement. Each of us also has a different idea and vision of what retirement looks like. So if you want to retire, we’ll help you get there. If you prefer a “work-optional” lifestyle, we’ll help you get there, too. Whatever retirement looks like for you, the key component is a viable, ongoing financial plan which adapts to your needs.
A complete and sustainable financial plan must address tax planning, risk and debt management, and estate and legal concerns, so we partner with like-minded CPAs and attorneys. Our InvestWell partners are a key part of our process. They ultimately help our clients reach their full potential around financial independence.
Living well occurs when an actionable
plan is implemented…

Get in

P 631.742.3340
F 631.982.5511
Email: Sue@investwellnow.com


Lees Summit, MO

406 NE Douglas St
Lees Summit, MO 64063

Stony Brook, NY

3 Archer Drive
Stony Brook, NY 11790

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