Nate Lowther, CEPA®
Financial Advisor
Nate brings a planning-first approach to every client relationship, with deep experience in retirement income design and tax-efficient distribution strategies for South Carolina families.
Retirement Planning · Summerville & Charleston, SC
Built for the retirement you actually want.
Shape a life guided by your priorities, strengthened by steady planning, and grounded in the legacy you envision.
Premier Wealth Partners is an independent, fiduciary firm providing retirement planning and wealth management to families, professionals, and business owners in Summerville, Charleston, and across South Carolina. We build strategies for people who’ve worked too hard to leave their future to chance. No products pushed. No one-size-fits-all plans. Just a tailored plan aligned with what you want.
A true fiduciary,
100% of the time
As an independent Registered Investment Adviser, we are legally obligated to always act in your best interest. No commissions. No product quotas. Transparent fees and advice that puts you first, always.
- Your interests first, with a duty of loyalty and care
- Conflicts disclosed in plain English
- Transparent, fee‑only compensation
Registered Investment AdviserHeld to a fiduciary standard
Independent & fee-awareNo proprietary product quotas
Local team, real accessDirect line to your advisor
SEC Adviser Info (IAPD)Full disclosure, always
Who We Serve
Two paths. One philosophy.
Whether you're five years from retirement or twenty, the question is the same: does my money support the life I actually want? We start there — and work backward.
For pre-retirees & retirees
You've built it. Now make it last.
You're 5–15 years from retirement, or already there. You don't need market hype — you need a plan that protects what you've built and turns it into reliable income for the next 30 years.
- Income strategies that survive bad markets
- Tax-efficient withdrawal sequencing
- Social Security & Medicare timing
- Legacy & estate planning
For professionals & business owners
You're earning well. Is your wealth working as hard as you are?
You're 40–60, peak earning years, often with complex income, equity comp, or business interests. You need accumulation strategy, tax planning, and a partner who plays the long game with you.
- Tax-efficient accumulation strategies
- Equity compensation & concentrated stock
- Business owner exit & succession
- Multi-generational wealth planning
Independent advice.
Charleston roots.
We're a Charleston-rooted, independent practice — not a national brand with a regional outpost. You'll work directly with the advisor whose name is on your plan, with the South Carolina tax and estate landscape baked into every recommendation.
The Premier Wealth Complete Financial Strategy
A plan, not a pitch.
Three meetings. No pressure. By the end, you'll have a written plan you can use whether you work with us or not.
1
Step One
Discover
A conversation, not a sales pitch. We get to know your goals, your timeline, what keeps you up at night, and what retirement actually looks like to you.
45 minutes · In-person, video, or phone
2
Step Two
Design
We examine your full financial picture — investments, taxes, insurance, Social Security, estate. Then we model what's possible and where the gaps are.
We do the work between meetings
3
Step Three
Align
You receive a written, personalized plan covering income, tax strategy, risk, and legacy — yours to keep regardless of whether we move forward together.
No obligation · No fee for your Complete Financial Strategy
Specialized Planning
Planning built for your situation.
Different careers and life stages raise different questions. Explore how we help.
Retirement planning
Charleston & Summerville retirement planning
Retirement income, Social Security timing, tax-efficient withdrawals, and a written plan for the life you want.
Explore retirement planningBusiness owners
Build wealth beyond the business
Exit and succession planning, tax strategy, and personal wealth that does not depend on one sale.
Explore business owner planningPhysicians
A great income, a great plan
High-income planning, tax-efficient saving, practice ownership, and locums income.
Explore physician planningPilots & military
Pensions, TSP, and career transitions
Coordinating benefits and retirement plans for airline pilots and transitioning military officers.
Explore pilot and military planningYour Advisors
People who pick up the phone.
You'll work directly with your advisor — not an account number passed between assistants. Here's who you'll be talking to.
Matthew Davis
Financial Advisor
A former Marine Corps Captain and Teach for America educator, Matthew brings discipline, accountability, and a relational, nonjudgmental approach to helping families define their goals and build plans to reach them.
Zach Cole
Wealth Associate – Junior Financial Advisor
Zach supports clients and advisors with thoughtful planning and attentive service. He previously served clients at MassMutual and holds his Life and Health insurance licenses.
Latest insights
Practical thinking on retirement income, taxes, and planning for business owners and professionals.
Business Owners
Your Business May Be Worth $5 Million. That Does Not Mean You Are Wealthy.
A $5 million valuation is not the same as financial independence. How business owners can build wealth that does not depend on one perfect exit.
Getting Started
What to Expect at Your First Meeting With a Financial Advisor
Nervous about sitting down with an advisor for the first time? Here is what actually happens in the first conversation, what to bring, and how to decide whether it is a good fit.
Business Owners
The 5-4-3-2-1 Concept: A Simple Framework for Business Exit Planning
A simple framework for exit planning: five stages of value, four intangible capitals, three legs of the stool, two paths, and one goal.
Common Questions
What you might be wondering.
Getting started
Who do you work with?
We work with pre-retirees and retirees, business owners, physicians, and pilots and transitioning military officers in Summerville, Charleston, and across South Carolina. Our advisors focus on the planning issues these clients face, including business growth and eventual exit, tax-efficient savings strategies, pension and TSP optimization, RSUs, and locums income. Our process is built for people who want clear guidance and a coordinated strategy, not generic, one-size-fits-all advice.
What services do you provide?
We help clients with financial planning, retirement planning, investment management, insurance planning, business-owner planning, estate coordination, and more. The recommendations we make depend on your goals, circumstances, and priorities.
What happens during the first meeting?
The first meeting is primarily a conversation. We'll learn about your goals, current situation, concerns, and what you would like help accomplishing. We'll also explain how our process works and determine whether working together makes sense.
Do I need to become a client after the first meeting?
No. The initial conversation is designed to help both of us decide whether there is a good fit. There is no obligation to move forward.
What should I bring to the first meeting?
Bring any questions you have. If available, it can also be helpful to bring a basic summary of your accounts, income, expenses, insurance coverage, or retirement goals. Don't worry if you don't have everything prepared, we can guide you through the process.
What happens after I schedule an appointment?
You'll receive a confirmation with the meeting details and any information we'd like you to review beforehand. We'll also explain what to expect so you can come prepared with your questions.
How quickly will you respond if I contact you?
We typically respond within an hour during business days. If you schedule directly through our calendar, you'll receive an immediate confirmation.
I'm not ready to work with an advisor yet. Can I still contact you?
Absolutely. Many people begin by gathering information. A conversation can help you understand your options and decide what, if anything, you want to do next.
Fees & fiduciary duty
Are you a fiduciary?
Yes. As an independent Registered Investment Adviser, we are legally held to the fiduciary standard 100% of the time, putting your interests first with a duty of loyalty and care.
How much does an initial consultation cost?
The initial consultation is free. If we believe we may be a good fit, we'll clearly explain our fees and the services included before you make any decision.
How do you charge for your services?
Our fees are based on assets under management; costs are tiered based on total invested assets. We’ll discuss the specific costs applicable to your situation before beginning any engagement to make sure you understand what to expect for the cost of our services.
Do I need a certain amount of money to work with you?
We do not have a minimum amount of money to work with us, but we do have minimums for certain services, meaning some services will not be available to all investors. If you are unsure, contact us anyway. We’re happy to explain who we serve and point you in the right direction if we aren’t the right fit.
Working together
How is your firm different from other financial advisors?
Our advisors focus on specific individual clients and use a process designed to help our clients have confidence in knowing their advisor deeply understands their needs. Our approach emphasizes structured personalized planning, education, ongoing communication, and comprehensive advice rather than simply providing a product or isolated recommendation.
How do I know whether we're a good fit?
A good fit usually involves shared expectations about communication, services, fees, and the type of guidance you need. Our first conversation gives us an opportunity to discuss those points openly.
How often will we meet?
Most clients meet with us quarterly, with additional communication when important circumstances change. The exact schedule depends on your needs and the services we provide.
Can we meet virtually?
Yes. We offer web-based (tele-wealth) and phone meetings for clients who prefer to meet remotely. In-person meetings are available at our Summerville and Charleston, SC locations if applicable.
How long does it take to develop a financial plan?
The timeline depends on the complexity of your situation and how quickly we receive the necessary information. Most plans take anywhere from 2–6 weeks to complete and up to 3–6 months to fully implement, depending on complexity. We'll explain the process and timeline during the initial meeting.
Do you only manage investments?
No. Investment management may be one part of the relationship, but we also consider areas such as retirement income, cash flow, risk management, tax coordination, estate planning coordination, business planning, or education funding, depending on your needs.
Can you work with my existing accountant or attorney?
Yes. With your permission, we can coordinate with your other professional advisors so that everyone is working from the same information and toward the same objectives.
What if I already have a financial advisor?
That's completely fine. You may still find value in a second opinion or a conversation about your goals and current strategy. We'll respect your existing relationships and will not pressure you to make a change.