Adrian C. Spitters, CFP®, FCSI®, CEA, widely known as The Son of a Dutch Farmer, is President and Private Wealth Advisor at PFC Wealth Solutions^™. For nearly four decades, he has worked with business owners, professionals, farmers, landowners, affluent retirees, and family wealth stewards to bring order to complex financial lives. Adrian’s work sits at the intersection of investment strategy, asset security, succession, estate continuity, and long-term capital architecture. He is known for helping families look beyond account values alone and ask the deeper questions that determine whether wealth remains accessible, resilient, and useful through changing economic, business, and family circumstances.

Adrian’s financial career began in 1987 during the week of Black Monday. He wrote his Canadian Securities Course examination on the Saturday before the Dow Jones Industrial Average fell 22.6 percent on Monday, October 19. That first weekend taught him a lesson that has shaped his work ever since: market value and financial security are not the same. The technology bubble, the Global Financial Crisis, and the repeated shocks that followed reinforced his conviction that history supports preparation, not market timing. His perspective is grounded in the practical discipline of identifying vulnerability early, strengthening liquidity before it is required, and preserving meaningful choices before circumstances force decisions.

Raised on a dairy farm in British Columbia’s Fraser Valley, Adrian brings a builder’s perspective to wealth. He understands that operating families do not simply own portfolios. They own land, businesses, real estate, operating assets, insurance, investment accounts, responsibilities, and legacies that must work together over time. Through The Merrick Spitters Asset Security Framework^™, Adrian asks four questions about every asset: Who controls it? How can it be accessed? How independently is it owned? How will it support the family through change? These questions form the foundation of capital architecture designed to reduce unnecessary dependence on any one market, institution, currency, or economic outcome.

The framework connects five areas of long-term wealth stewardship: physical precious metals; alternative investments and productive private assets; discretionary portfolio management through independent registered firms; tax-aware capital planning; and comprehensive wealth and continuity planning. Depending on a family’s circumstances, this may involve private real estate, private credit, insurance, estate liquidity, and planning for the sale or transfer of a business, farm, property, or family enterprise. Adrian’s objective is to help ensure that every asset has a clear job, that liquidity is available when it is needed, and that the family’s professional team is working toward a coordinated long-term outcome.

Adrian is the author of Who’s Investing Your Money?, Ready to Sell Your Business?, Ready to Sell Your Farm?, and How to Sell Your Farm Successfully. With Peter J. Merrick, TEP®, he co-authored the international bestseller It Starts With Gold^™, which examines monetary history, tangible ownership, and gold’s role in protecting wealth. Together, Adrian and Peter are co-founders of The Merrick Spitters Reset Report^™, an independent educational publication focused on structural financial risk, asset security, succession, and long-term wealth stewardship. Adrian is also its publisher and weekly editorial voice, examining economic, monetary, and financial developments through the lens of history, ownership, and resilience.

Adrian and Peter are now developing Killing Crypto^™, a major new work comparing cryptocurrency, digital currencies, and precious metals. Building on the ideas introduced in the white paper Last Asset Standing^™, the book greatly expands the analysis of monetary systems, digital control, asset security, liquidity, jurisdictional awareness, and financial sovereignty. It examines the differences between cryptocurrency, state-issued digital currencies, and tangible precious metals, asking what each may mean for privacy, ownership, resilience, and individual choice in a rapidly changing financial world.

Known for clear thinking, high conviction, and a practical respect for the people behind the balance sheet, Adrian challenges the assumption that diversification alone creates security. His message is clear: wealth is not secure simply because it has value on paper. It must remain owned, accessible, liquid, and useful when it matters most. Preparation is not prediction. It is the discipline of understanding risk early enough to preserve meaningful choice for the people, enterprises, and legacies that depend on it.