Pinedo Financial Services

Pinedo Financial Services is an independent, state‑registered advisory firm that primarily serves individual clients while also offering portfolio management services beyond retail accounts. The firm’s advisory services are limited to bonds, stocks, mutual funds, annuities and life insurance and it tailors portfolios by reviewing clients’ objectives, time horizon, income and risk tolerances.

As of March 13, 2026, the firm reported managing $21.3 million entirely on a non‑discretionary basis, so clients retain trade approval authority. The firm’s process begins with an interview to establish goals and then seeks investments—notably mutual funds that can access multiple asset classes—with demonstrated track records to construct client portfolios.

Noteworthy features include the firm’s predominant non‑discretionary model and a requirement that clients custody assets with a designated broker‑dealer (LPL Financial), where the firm’s principal is also registered as a representative and affiliated with insurance agencies; those relationships create commission‑based conflicts that are not used to reduce advisory fees. The firm also does not aggregate client trades, relies on custodian statements rather than issuing separate periodic reports, and maintains written proxy‑voting policies.