Pinnacle Wealth Collaboration™
Co-Advisor Program
Bringing More To The Table for the Clients You Serve
Build Your Wealth Management Firm Without Building it Alone
Your clients already trust you with some of the most important financial decisions in their lives. Many of those decisions now extend beyond tax or legal planning into retirement, investments, business succession, estate planning, trust administration, wealth transfer, and legacy planning.
Through Pinnacle Wealth Collaboration™, we help CPA and law firms build their own wealth management firm through a co-advisor relationship.
Your firm brings the trust, client relationships, and professional expertise. Pinnacle brings the wealth management platform, CFP® planning professionals, investment process, trust capabilities, technology, reporting, and operational support.
Together, we sit at the same table with clients and deliver coordinated advice.
A CPA Perspective
“I’ve consulted with CPA firms across the country, and the best firms are not looking to hand clients off. They want to stay involved, deepen the relationship, and bring more value to the table. Pinnacle helps them build a real wealth management offering around the client relationships they already have.”
— David A. Krebs, CPA
What Is Wealth Collaboration™?
Wealth Collaboration™ is Pinnacle’s co-advisor platform for professional firms that want to build a wealth management firm without building the full infrastructure alone.
This is not a traditional referral relationship.
Your firm is not simply handing clients off to an outside advisor. You remain central to the client relationship, and Pinnacle works with you to help deliver the planning, investment, trust, technology, and operational support needed to serve clients in a more complete way.
The goal is simple:
Help your firm build a real wealth management offering around the client relationships you already have.
This Is Not "Send Us Your Clients”
Traditional referral relationships often move the planning conversation away from the CPA or attorney.
A client is referred to an outside advisor. The advisor leads the relationship. Over time, your firm may lose visibility into investment decisions, retirement planning, estate planning, family wealth conversations, business succession issues, and future planning opportunities.
The Pinnacle co-advisor model is designed differently.
Your firm stays involved. Pinnacle brings the wealth management platform. The client receives coordinated advice.
Traditional Referral Model
Client is referred to an outside advisor
Outside advisor controls the wealth management relationship
Your firm may lose visibility over time
Investment, tax, legal, retirement, estate, and business planning may happen in separate silos
Revenue opportunity leaves your firm
Next-generation relationships may drift elsewhere
Pinnacle Co-Advisor Model
Your firm remains central to the client relationship
Pinnacle works alongside your firm in the client experience
CFP® professionals, investment management, trust, reporting, technology, and operations are supported by Pinnacle
Advice is coordinated across tax, legal, investment, retirement, estate, and business planning
Your firm can create recurring revenue and enterprise value
Clients receive a more connected planning experience
The difference is important.
This model helps your firm build wealth management around relationships you already own.
Why Professional Firms Build Wealth Management
Many CPA and law firms are already involved in the most important financial decisions their clients make.
You may be advising clients on:
Business sales
Succession planning
Estate planning
Tax planning
Trust structures
Retirement decisions
Charitable planning
Family wealth transfer
Executive compensation
Entity planning
Next-generation planning
But without a coordinated wealth management platform, those conversations often move to another advisor.
That creates risk.
The client may begin looking elsewhere for guidance your firm could have helped coordinate. Your firm may lose visibility. The relationship may become fragmented. Future planning opportunities may leave your firm.
The Pinnacle co-advisor model is built to help solve that problem.
Why the Co-Advisor Model Works
Clients Get Coordinated Advice
Tax, legal, investment, retirement, estate, trust, business, and family planning are brought together instead of being handled separately.
Your Firm Builds Recurring Revenue
The co-advisor model allows your firm to participate in wealth management revenue and create value beyond project-based, hourly, or seasonal work.
Your Firm Builds Enterprise Value
A wealth management offering can help your firm become more differentiated, more scalable, and more valuable over time.
You Avoid Building It Alone
Building a full wealth management firm requires people, systems, technology, compliance, investment management, reporting, planning tools, and operations. Pinnacle helps provide the structure so your firm can focus on the client relationship and professional expertise.
Your Firm Keeps the Relationship
Pinnacle Brings the Platform
Clients continue to see your firm as a central part of their planning team. You are not handing them off and hoping the relationship stays connected.
Pinnacle provides the wealth management infrastructure needed to support CFP® planning professionals, investment management, trust services, reporting, technology, operations, and advisor support.
What Pinnacle Brings to the Table
Pinnacle works alongside your firm to help deliver a coordinated wealth management experience.
CFP® Planning Professionals
Experienced CFP® professionals help support retirement planning, tax-aware planning, cash flow planning, business succession, estate coordination, wealth transfer, and family planning conversations.
Investment Process
A disciplined investment management process designed around client goals, portfolio construction, risk management, diversification, tax awareness, and long-term planning.
Trust Capabilities
Pinnacle Private Trust Services helps families coordinate trustee needs, beneficiary planning, fiduciary responsibilities, trust administration, and long-term legacy planning.
Operations and Service
Account opening, custodian coordination, trading support, billing, reporting, follow-up, documentation, and ongoing client service support.
Advisor Support
Pinnacle helps your firm prepare for client meetings, identify planning opportunities, coordinate next steps, and deliver a consistent client experience.
How the Co-Advisor Relationship Works
1. Your firm Identifies the Opportunity
Your firm recognizes when a client may benefit from broader planning. This may include retirement, investments, business succession, estate planning, trust planning, wealth transfer, or liquidity planning.
3. Your Firm Stays Involved
2. We Evaluate the Fit Together
Pinnacle works with your firm to determine whether the client is a good fit for the co-advisor model and what planning issues should be addressed first.
4. Pinnacle Supports the Wealth Management Experience
Your firm remains part of the client relationship in a role that fits your professional expertise, client relationship, and desired level of involvement.
5. We Meet With the Client Together
Pinnacle provides the CFP® planning professionals, investment management, trust, technology, reporting, and operational support needed to serve the client.
6. The Client Receives Ongoing Coordinated Advice
When appropriate, your firm and Pinnacle sit at the same table with the client to review goals, identify planning opportunities, and coordinate next steps.
The relationship continues through regular planning meetings, investment reviews, tax-aware planning, estate coordination, trust planning, business succession discussions, and clearly defined follow-up.
What the Client Experience Looks Like
The client experience is built around coordination.
Instead of receiving separate advice from separate professionals, clients benefit from a planning team that communicates, coordinates, and works from a shared understanding of the client’s goals.
A typical co-advisor client relationship may include:
Introductory meeting
Discovery meeting
Review of current tax, investment, estate, retirement, and business planning concerns
Financial planning analysis
Investment review and portfolio recommendations
Tax-aware planning opportunities
Estate and trust coordination
Business succession or liquidity planning
Ongoing planning meetings
Clear follow-up and action steps
The client does not have to connect all the dots alone. The planning team works together.
Who This is Built For
The Pinnacle co-advisor model may be a strong fit for CPA and law firms that:
Serve business owners, executives, professionals, retirees, and high-net-worth families
Want to build a wealth management firm or division
Want to remain central to client planning conversations
Want to create recurring revenue opportunities
Want to strengthen retention across generations
Want to protect client relationships from being pulled away by outside advisors
Want to offer a more complete advisory experience
Want to build enterprise value inside the firm
Believe tax, legal, investment, retirement, estate, trust, and business planning should work together
Do not want to build the full wealth management platform alone
Pinnacle has spent more than 25 years helping professional firms serve clients through coordinated wealth planning.
Our experience has shown that clients are better served when their most trusted advisors work together.
That is the purpose of Wealth Collaboration™.
It helps CPA and law firms expand their role, protect client relationships, create recurring revenue opportunities, and deliver a more complete planning experience without building the full wealth management infrastructure alone.
A Proven Co-Advisor Model
For Professional Firms
What Happens on the Roadmap Call?
The best place to start is a practical conversation.
On the 30-minute Wealth Management Roadmap Call, we will discuss:
What a wealth management firm could look like inside your professional firm
Which clients may be strong candidates
How the co-advisor model works
What role your firm would play in the client relationship
What Pinnacle provides through the platform
How client meetings and ongoing service would work
What the next steps would look like if there is a fit
This is not a generic sales call. It is a practical conversation about whether the Pinnacle co-advisor model could help your firm build a more complete client experience.
Build Your Wealth Management Roadmap
Your firm already has the trust.
Pinnacle helps provide the wealth management platform, CFP® planning professionals, investment process, trust capabilities, technology, reporting, and operational support to help turn that trust into a scalable wealth management offering.
Together, we sit at the same table with clients to deliver coordinated advice across the areas of their financial lives that matter most.