James Ruthsatz Pinnacle Advisors LLC

The firm is an Ohio-registered investment adviser that co-advises clients alongside an SEC-registered manager, providing wealth management, financial planning, trust services and retirement plan consulting to individuals, trustees and plan sponsors. Its service menu includes formal and informal wealth management programs, trust wealth management offerings, independent manager selection, and asset-tracking/performance reporting.

Day-to-day investment management is performed by the co-advisor, while the firm focuses on financial planning, ongoing monitoring, coordination of independent managers and client reporting. For retirement plans the firm provides non‑discretionary fiduciary consulting under ERISA (including IPS development, investment option selection, monitoring and participant education) rather than acting as the plan administrator.

Noteworthy features include an affiliation with a separately licensed accounting practice — the firm’s principal maintains an active CPA practice and may recommend affiliated professionals in their licensed capacities — which supports integration of tax and accounting considerations into planning and referrals. The firm also commonly selects and allocates to unaffiliated independent managers, operates a private‑label trust representative office with a federally chartered trust company, and is compensated for referring and coordinating client relationships with its co-advisor, arrangements that are less common among peers in its category.