Providers & Families Wealth Management
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Providers & Families Wealth Management provides financial planning and discretionary investment management to individuals (including high-net-worth clients), families, trusts, estates, businesses and charitable organizations. The firm offers both project-based planning and an ongoing subscription planning option in addition to portfolio management and solicitor referrals to unaffiliated advisers when appropriate.
The firm constructs customized portfolios using a strategic asset-allocation framework and employs a mix of technical, fundamental, cyclical, quantitative and qualitative analysis as warranted by client objectives. PFWM may engage third‑party sub‑advisors or money managers for day‑to‑day management, monitors accounts on an ongoing basis, and rebalances portfolios as needed; it also may use margin in certain rebalancing situations with client authorization.
What distinguishes PFWM from many peers is the combination of an ongoing subscription planning product with active educational outreach — including client webinars and publicly available YouTube channels — and a practice that explicitly incorporates insurance and risk‑management reviews (life, disability, employer benefits, property/auto/umbrella) into its advisory services. The firm also discloses the use of solicitor arrangements and sub‑advisor relationships, which means some clients may be referred to or have assets managed by unaffiliated advisers under disclosed compensation arrangements.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
$0 - $499,999.99: 1.50% $500,000 - $999,999.99: 1.25% $1,000,000 - $2,999,999.99: 1.00% $3,000,000+: 0.50%
Financial planning hourly rate up to $300/hr
Monthly subscription service for ongoing financial planning up to $250/month; Foundational financial planning subscription fees: $500 one-time onboarding fee + $175/month (individuals), $750 onboarding + $250/month (couples) with 12-month minimum commitment
Minimum fee: $2,500 minimum fee for financial planning services Fee-only: Financial planning charged at up to $300/hr; monthly subscription fees for ongoing planning up to $250/month; foundational financial planning subscription $500 one-time onboarding fee + $175/month (individuals), $750 onboarding + $250/month (couples)
Main office
Carlisle PA
Advisors at this office
2
Most active in
Pennsylvania · Texas
Also doing business as
P&F · P&F Wealth Management · Providers & Families · Providers & Families Wealth Management · Providers And Families Wealth Management LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
Forms ADV
Quick links
Advisors at this firm
Lindsey C
Series 66
Carlisle, PA
Providers & Families Wealth Management
Lindsey Ciarrocca is a financial advisor at Providers & Families Wealth Management with nine years of industry experience. She holds a Series 66 designation and has worked at firms including Hornor Townsend & Kent Inc and Penn Mutual Life Insurance. Outside of her advisory role, Lindsey operates The Exuberant Elephant as a money coach. Providers & Families Wealth Management serves individuals, families, trusts, estates, businesses, and charitable organizations with financial planning and discretionary investment management. The firm utilizes a strategic asset-allocation approach and combines various analytical methods, offering both subscription-based planning and portfolio management services.
Scot W
CFP®, Series 63, Series 65
Carlisle, PA
Providers & Families Wealth Management
Scot Whiskeyman is a CFP® with 14 years of industry experience, currently serving at Providers & Families Wealth Management. His prior experience includes roles at Hornor Townsend & Kent Inc, Penn Mutual Life Insurance, and MetLife Securities. Outside of his advisory work, he is the author of "The Retiree's Complete Annuity Handbook," tutors candidates for FINRA licensing and CFP certification, and serves as board member and treasurer for Carlisle Young Professionals. Providers & Families Wealth Management serves individuals, high-net-worth clients, families, trusts, estates, businesses, and charitable organizations with financial planning and discretionary investment management. The firm offers customized portfolios using strategic asset allocation and integrates tax-aware and estate coordination into its planning, distinguishing itself with a structured subscription model and inclusion of insurance and risk-management reviews.
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