Pioneer Wealth Management Group (“Advisor” or “Firm”) is an SEC-registered investment advisor incorporated in Texas since 2005. Milad Taghehchian is the principal owner. Pioneer Wealth Management Group is a fiduciary and is required to always act in its client’s best interest. Pioneer Wealth Management Group provides the following services to its clients: Financial Planning Pioneer Wealth Management Group provides financial planning services to clients. The Firm recommends each new client engage in financial planning services or as part of its asset management services. Financial planning evaluates a client’s present and future financial situation, using known variables and reasonable assumptions to predict future cash flow, investment returns, and distributions. Financial planning may encompass several areas of financial need, including any or all of the following:
• Data Gathering: Advisor gathers required information through requests for the client’s documents and conversations with the client. The information gathered during this engagement will assist Advisor in determining the most appropriate course of action for a client’s financial and investment activity.
• Cash Flow: Advisor compares the client’s current and future income flows with outflows to taxes, savings, liability payments, and other expenses. Cash flow helps to determine needed cash reserves, insurance needs, future expenses, and income needed from investments.
• Tax Planning: Advisor reviews prior years’ taxes and projects current and future tax liabilities from investment accounts, sales transactions, and business income. Advisor may recommend strategies to improve tax situation going forward.
• Retirement: Advisor analyzes savings and investment plans to help the client feel secure about retirement decision. Advisor may simulate scenarios to evaluate the strengths of a client’s retirement plan.
• Education: Advisor analyzes existing education savings, works with the client to define goals for education funding, and creates a savings plan to help the client achieve their stated goals.
• Investments: Advisor analyzes current investments for alignment with the client’s objectives, risk, and expected returns. Advisor evaluates the impact

of investment alternatives on the client’s portfolio.
• Insurance: Advisor reviews existing policies to ensure adequate coverage for life, health, disability, long-term care, liability, and property & casualty.
• Estate: Advisor assists in assessing and developing long-term strategies that align with their family situation and goals. Advisor reviews the client’s needs concerning care and support to family members, instructions on end-of-life care or financial management, and recommendations for estate planning documents. The Firm may offer referrals for service providers who can help the client implement recommendations. A financial plan or services rendered to the client will usually include general recommendations for a course of action to be taken by the client. Asset Management Pioneer Wealth Management Group provides ongoing investment advice based on the individual needs of the client. To determine a suitable investment recommendation for an individual client, Advisor shall review the client’s situation. Such review may include, but would not necessarily be limited to, investment objectives, consideration of the client’s overall financial condition, income and tax status, personal and business assets, risk profile, and other factors unique to the client’s particular circumstances. Following this review, Advisor will create an asset allocation recommendation and an investment policy statement. The investment policy statement guides portfolio management of client’s investments. Investment recommendations are not limited to a specific product or service. Advisor typically constructs portfolios consisting of securities and investments, equity securities, corporate debt securities, certificates of deposit, municipal securities, mutual funds, exchange-traded funds, government securities, option contracts, real estate, and oil and gas interests. Advisor will only recommend products consistent with the client’s stated objectives, risk tolerance, liquidity needs, and suitability. Clients may impose restrictions on investing in certain securities or types of securities. As of December 31, 2022, Advisor had $155,679,364 of discretionary assets under management and $5,132,798 of non-discretionary assets under management.