Philosophy & Principles

Pepper International was founded by Carol Pepper in 2001 to help families gain greater control over their wealth and to help them relate more effectively to the financial services industry. Carol spent over 20 years in the wealth management industry, serving as a senior private banker for several large private banks, a portfolio manager for one of the leading family offices in the United States and as a technology builder for a large investment bank. Based on her experience as a provider of services to wealthy families, she came to believe that families could and should expect more from their experts. She formed Pepper International to help families receive the best possible advice and expertise.

• Families should remain in control of their wealth

  • Families should be able to have a completely customized solution for their wealth management needs
  • Families should have full transparency on the fees they are paying
  • Families should be able to have a private view of their entire asset base
  • Families should have complete knowledge of any conflicts of interest that their experts may have so they can understand what motivates the advice they are receiving
  • Families should have a clear understanding of the risks they are taking when they invest

• Families should be able to align their values and interests completely with their wealth management plans

  • Families should be able to express their values and interests to their wealth advisors and receive plans that reflect those values
  • Families should be able to understand their investments and plans after explanations from the experts
  • Families have a right to expect honesty, integrity and transparency from their expert advisors