Pearl Wealth Group

Pearl Wealth Group

Pearl Wealth Group was established in 2023 by an undisclosed founding team in Tampa, Florida. The firm launched as a registered investment advisor after the post-2022 rate reset reshaped the retirement-income landscape, a period when traditional 60/40 portfolio failures drove demand for alternative income structuring. Its founding identity is tied to a specific moment in US monetary policy rather than a multi-generational wealth transfer. The firm's strategy emphasizes retirement income strategies, combining managed equity and fixed-income allocations with direct indexing in certain accounts. It deploys across public equities, investment-grade and high-yield corporate credit, and real estate investment trusts, with a tilt toward current-yield generation. The advisory practice accepts both discretionary mandates, where Pearl Wealth Group constructs and rebalances portfolios, and non-discretionary arrangements where it provides model portfolios and trade recommendations that require client approval. Geographic focus is concentrated in the Tampa Bay region and broader west-central Florida, with a client base drawn from retiree migration patterns into the Sun Belt. The firm's scale remains undisclosed, with no public AUM figures or advisor headcount released as of early 2026. Pearl Wealth Group operates without satellite offices or known adjacent philanthropic vehicles. The structural differentiator at Pearl Wealth Group lies in its timing and mandate design. Launching a retirement-income specialist during a period when US money market funds swelled to over $6 trillion (per ICI, 2024) placed the firm in direct competition with cash equivalents for retiree assets. Its architecture as a dedicated income-engineering practice, rather than a generalist RIA, creates a focused thesis that distinguishes it from accumulation-oriented competitors in the Florida market. Governance and succession planning details have not been publicly addressed given the firm's early-stage profile.