Pinion Financial Services, LLC

Pinion Financial Services is an adviser that places primary emphasis on selecting and referring clients to third‑party investment managers and providing ongoing monitoring and consulting for those arrangements. The firm serves pension and profit‑sharing plans, as well as individual and high‑net‑worth clients, but does not manage assets on a continuous discretionary or non‑discretionary basis and reports no assets under management.

In practice Pinion focuses on assisting plan sponsors and investors in choosing Third Party Advisory Services, documenting the relationship, and overseeing suitability — while the selected third‑party advisers make and execute securities transactions. The firm describes using both fundamental and technical analysis and generally advising long‑term mutual fund allocations, and it provides financial planning and retirement plan consulting as part of its evaluation and monitoring process.

What is distinctive relative to many investment managers is Pinion’s explicit role in the selection and ongoing monitoring of other advisers rather than direct portfolio management, and the absence of a direct percentage‑of‑AUM fee charged to clients; instead the firm shares in fees paid to third‑party managers and receives broker‑dealer and insurance compensation. The brochure also discloses affiliated broker‑dealer and insurance activities and separate client contracts with third‑party sponsors, which affect custody, execution, and potential conflicts of interest.