Pinnacle Wealth Strategies, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Pinnacle Wealth Strategies, LLC provides comprehensive financial planning and targeted consulting services to individuals, families, business owners and businesses, delivering written financial plans through a multi-meeting discovery and review process. The firm does not manage client investment assets directly; clients implement recommendations through custodians or, if they choose, through the firm’s owners in their separate capacities with other financial firms.
The firm’s planning approach is individualized and asset-allocation focused, taking into account clients’ goals, time horizons and risk tolerance to produce a written plan and recommended next steps, with annual update meetings offered. Pinnacle’s written plans generally do not recommend specific individual securities and leave execution, custody and ongoing investment management to clients or third-party managers.
Pinnacle’s owners maintain multiple professional roles and affiliations — including registered representative relationships with a broker‑dealer, investment adviser representative roles, independent insurance agent licenses, an active law practice, and an affiliation with an accounting practice — and the brochure discloses these relationships and the procedures used to address resulting conflicts. The firm also relies on fixed planning fees and hourly consulting fees rather than a percentage-of‑AUM fee model, and it describes disclosure and fiduciary-duty measures when owners may receive commissions or other compensation for implementing recommendations.
Client services
Expertise
Demographic focus
Fee options
$280 per hour for consulting services
Fee-only: Comprehensive Financial Planning Fees based on net worth: Up to $2,000,000: $2,950; $2,000,000 to $4,000,000: $4,450; $4,000,000 to $6,000,000: $5,900; $6,000,000 to $10,000,000: $8,200; $10,000,000 and Above: Negotiable. Consulting services offered at $280 per hour.
Main office
292 Washington Ave Ext, Suite 106
Albany NY 12203
Advisors at this office
3
Most active in
New York
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Lawyer
They provide legal services, typically billed separately.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
Forms ADV
Advisors at this firm
Frederick S
CFP®, PFS™, Series 66
Albany, NY
Pinnacle Wealth Strategies, LLC
Frederick Schmalkuche is a partner at Pinnacle Wealth Strategies, LLC with 25 years of industry experience and holds the CFP®, PFS™, and Series 66 credentials. He has also been affiliated with Latitude Advisors, LLC and GWN SECURITIES, Inc. since 2011. Additionally, he is a partner at the CPA firm Foster & Schmalkuche, PC, where he dedicates the majority of his professional time. Pinnacle Wealth Strategies provides comprehensive financial planning and consulting services to individuals, families, and businesses. The firm delivers written financial plans focused on asset allocation and client goals, while clients maintain execution and investment management through custodians or advisors outside the firm.
Sharon M
Series 66
Albany, NY
Pinnacle Wealth Strategies, LLC
Sharon Merkle is a financial advisor with Pinnacle Wealth Strategies, LLC, holding a Series 66 designation and 27 years of industry experience. She also operates a law practice specializing in estate planning, business law, employment law, elder law, commercial contracts, and real estate. Merkle has worked at Pinnacle Wealth Strategies since 2002 and holds roles at GWN Securities, Inc. and Latitude Advisors, LLC. Pinnacle Wealth Strategies provides comprehensive financial planning and consulting services to individuals, families, and business clients through a multi-meeting process that results in written financial plans. The firm focuses on individualized, asset-allocation centered plans and does not manage client assets directly, leaving implementation to clients or third-party managers.
Howard G
Series 66
Albany, NY
Pinnacle Wealth Strategies, LLC
Howard Goldson is a financial advisor at Pinnacle Wealth Strategies, LLC with 25 years of industry experience. He holds a Series 66 designation and has worked at Latitude Advisors, LLC and GWN Securities, Inc. He is also a licensed independent insurance agent specializing in life insurance and annuities. Pinnacle Wealth Strategies provides comprehensive financial planning and consulting services to individuals, families, and business owners, delivering written, asset-allocation focused plans without direct asset management, allowing clients to implement recommendations through custodians or other firms.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)