Pinnacle Financial Planning

The firm provides investment advice and financial planning to individuals, high net worth clients, trusts and estates, and assists clients in accessing third‑party money managers. It structures relationships by recommending registered third‑party managers and serving as a liaison rather than directly exercising investment discretion or custody over client assets.

After collecting client information and objectives, the firm recommends TPMs and monitors their investment style, holdings and performance; these recommendations are governed by referral agreements under which the firm receives a portion of the TPMs’ advisory fees and may participate in a long‑term incentive arrangement with one TPM. The firm also offers standalone financial planning on a negotiable fixed‑fee basis and discloses an affiliated insurance sales activity that occupies a meaningful portion of management time and generates separate compensation.

Distinctive features include the firm’s solicitor/referral model combined with fixed‑fee planning and an explicit insurance‑agent affiliation that creates potential conflicts of interest disclosed in the brochure. The firm discloses prior disciplinary matters involving management—a criminal conviction and a self‑regulatory sanction for an undisclosed private securities transaction—which prospective clients are encouraged to review alongside its TPM referral and incentive arrangements.