Palm Beach Gardens, FL Office

Pinafore Wealth Counsel provides discretionary and non-discretionary investment management, financial planning, retirement consulting, and financial transition planning to individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm manages approximately $174 million for about 100 clients and generally requires a $2 million account minimum for new advisory relationships, although it may waive that requirement in certain cases.

The firm constructs tailored portfolios using mutual funds, ETFs, equities, debt securities and option contracts, and applies a mix of fundamental, technical, charting, and cyclical analysis while monitoring and rebalancing accounts on an ongoing basis. Notably, Pinafore discloses the use of derivatives (options) in separately managed accounts and facilitates securities-backed lines of credit (SBLOCs), practices that are uncommon among similar supported firms and carry distinct risks and conflicts that the firm documents in its brochure.

What distinguishes Pinafore from many peers is its combination of services: it is also licensed as an insurance agency and its representatives may sell commission-based insurance products, a relationship the firm discloses as a potential conflict of interest. The firm additionally offers Financial Transition Planning using Sudden Money Institute methodology and provides retirement plan consulting alongside its investment management services, resulting in an integrated advisory and insurance offering under a relatively concentrated two-advisor structure.