Wealth Management
Our Fiduciary Pledge
Pinnacle is not just an SEC Registered Investment Advisor; we are your fiduciary under both state and federal law. What does this mean for you? It means we hold a position of exceptional trust and confidence when working with you. As fiduciaries, we are bound to act with unwavering loyalty to your financial objectives, with complete transparency regarding our compensation.
The Pinnacle Touch
When you select Pinnacle, you are choosing a wealth manager that upholds the highest standards of integrity:
We are a fee-only wealth manager.
We never take custody of your assets.
We do not sell any investment or insurance products.
Our revenue is derived exclusively from our clients; no third-party influences.
Our fee structure is competitive.
Experience Comprehensive Collaboration
At Pinnacle, we seek to redefine wealth management with our well-rounded commitment to your financial well-being. As a fee-only Wealth Management firm, we work exclusively with individuals, business owners, and their families.
Comprehensive Financial Plan: Your roadmap to success.
Annual Wealth Scorecard: Keeping your plan relevant.
Daily Asset Tracking: Stay informed and ahead of the curve.
Daily Net Worth Monitoring: Your financial pulse in real-time.
Institutional-Grade Advisory: Expert guidance with you every step of the way.
Comprehensive Services Structured Around You
Pinnacle offers a comprehensive range of services carefully tailored to meet your unique requirements:
Performance Reporting: Insights at your fingertips.
24/7 Secure Access: From logging in to reaching milestones, access your accounts from our convenient and secure client portal.
Personal Planning Quarterback: Proactive support for the whole team.
Client-Centric Meetings: Collaborative discussions and solutions.
At Pinnacle, we seek to redefine the norms of Wealth Collaboration™. We are not simply managing numbers; our team of professionals is dedicated to maximizing results and minimizing uncertainty. When you partner with us, your objectives and well-being will always take center stage.
Lifetime Wealth Management Program:
Dedicated to creating unique roadmaps based on each family’s story. This holistic program covers all areas of planning, ensuring families are well equipped to make thoughtful decisions which lead to successful outcomes throughout their financial journey.- Wealth Scorecard: Receive a transparent annual assessment of your wealth management, facilitating informed decision-making and ongoing collaboration with your advisors that include asset location and loss harvesting.
- Full-bodied Financial Planning: Your journey begins with a Comprehensive Financial Plan, mapping out your life’s financial goals.
- Guided Investments: Access Investment Advisory Services for expert investment management.
- Lifelong Support: Experience our Lifetime Quarterback Service, ensuring continuous support for all your financial needs and inquiries.
- Wealth Collaboration™: We bring your CPA and Attorney to the table to provide holistic planning.
- Streamlined Access: Easily manage your accounts with Account Aggregation and our secure online client portal.
- Fee Structure: Fees are based on managed assets, with a quarterly planning fee of $250 and a 15 bps performance tracking fee for non-managed assets over $250K. The Minimum Annual Fee is $5,000.
Family Office Wealth Management Program:
This exclusive program goes beyond traditional wealth management, addressing the unique needs and aspirations of ultra-high-net-worth individuals and their families. Pinnacle helps create a team of financial experts that provide concierge-level service to oversee and optimize every aspect of the family’s financial affairs.- Wealth Scorecard: Receive a transparent annual assessment of your wealth management, facilitating informed decision-making and ongoing collaboration with your advisors.
- Holistic Financial Planning: Begin with a Comprehensive Financial Plan, considering every aspect of your wealth.
- Elite Investment Advisory: Access Top-Tier Investment Advisory Services, specializing in high-net-worth portfolios.
- Family Office Expertise: Experience our Family Office Quarterback Service, catering to your specialized and multifaceted needs.
- Wealth Collaboration™: We bring your CPA and Attorney to the table to provide holistic planning.
- Seamless Portfolio Management: Manage your extensive assets effortlessly with Account Aggregation and our secure online client portal.
- Fee Structure: Fees are based on managed assets and include a 10 bps Family Office Fee, along with a 15 bps performance tracking fee for non-managed assets over $1M. The Minimum Annual Fee is $25,000.
Compass Wealth Management Program:
Focused on providing ongoing retirement projections and strategies. We reduce uncertainty for our clients through the creation of reliable income streams, resilient asset allocations and effective tax planning.- Wealth Scorecard: Receive a transparent annual assessment of your wealth management, facilitating informed decision-making and ongoing collaboration with your advisors.
- Your Path to Retirement: This program includes Retirement Plan Projections, providing a clear roadmap to reach your retirement goals.
- Annual Planning Meeting: We'll meet yearly to ensure your financial plan aligns with your evolving objectives.
- Expert Investment Guidance: Benefit from our Investment Advisor Services, helping you make informed decisions with peace of mind.
- Seamless Account Management: Enjoy Account Aggregation and convenient online access via our secure client portal.
- Transparent Fees: Our program fees are based on assets managed with an additional 15 bps performance tracking fee for non-managed assets. The Minimum Annual Fee is $3,000.
Enhanced Wealth Management Program:
Specifically tailored to each business owners’ story. This holistic program covers all areas of planning, ensuring business owners are well equipped to make thoughtful decisions which lead to successful outcomes throughout their financial journey.- Wealth Scorecard: Receive a transparent annual assessment of your wealth management, facilitating informed decision-making and ongoing collaboration with your advisors.
- Comprehensive Financial Planning: Begin with a Comprehensive Financial Plan, designed for your unique financial landscape.
- Advanced Advisory Services: Access Advanced Investment Advisory Services to manage your substantial assets with precision.
- Wealth Collaboration™: We bring your CPA and Attorney to the table to provide holistic planning.
- Effortless Account Management: Seamlessly manage your accounts with Account Aggregation and our secure online client portal.
- Fee Clarity: Fees are structured based on managed assets, including a quarterly planning fee of $750, along with a 15 bps performance tracking fee for non-managed assets over $500K. The Minimum Annual Fee is $10,000.
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Lifetime Wealth Management Program:
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Family Office Wealth Management Program:
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Compass Wealth Management Program:
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Enhanced Wealth Management Program:
Our Proprietary Tool: Wealth Scorecard™
A Wealth Scorecard™ is a comprehensive tool used by Pinnacle to evaluate and measure the performance of a client’s wealth management program. This scorecard is designed to provide a comprehensive overview of how well the client's financial goals are being met and how effectively their wealth is being managed.
The key components of a wealth management scorecard for a client may include:
Financial Goals Achievement: Assessing the progress towards the client's financial goals, such as retirement savings, education funding, or wealth transfer, and determining the extent to which these goals have been achieved.
Investment Performance: Evaluating the returns generated by the client's investment portfolio relative to agreed-upon benchmarks and considering factors like risk-adjusted returns.
Risk Management: Analyzing the alignment between the client's risk tolerance and the risk exposure of their investment portfolio. This involves assessing the volatility and downside protection measures in place.
Costs and Fees: Reviewing the fees associated with managing the client's wealth and ensuring that they are reasonable and provide value for the services rendered.
Asset Allocation: Examining the distribution of assets within the client's portfolio to ensure it aligns with their risk profile, investment time horizon, and overall financial strategy.
Diversification: Assessing the level of diversification within the portfolio to manage risk effectively and capture potential opportunities in different market segments.
Liquidity Management: Evaluating the client's liquidity position and ensuring that there is an appropriate balance between liquid and illiquid assets to meet short-term and long-term financial needs.
Tax Efficiency: Considering the tax implications of the investment strategy and identifying opportunities for tax optimization to enhance after-tax returns.
Communication and Service Satisfaction: Gathering feedback on the client's satisfaction with the communication and service provided by the wealth management team, including regular updates, accessibility of advisors, and responsiveness to inquiries.
Financial Planning Adherence: Confirming that the wealth management strategy aligns with the client's broader financial plan, including adherence to financial planning principles and adjustments for changes in the client's circumstances.
