Our Investment Advisory Services

Pinnacle’s Investment Process

Pinnacle offers Investment Advisory services with integrated multiple investment disciplines and administrative functions to provide a single, high quality source to meet your personal and financial goals as defined in your Financial Plan. Pinnacle’s philosophy is one of discipline, flexibility, responsibility and a high level of monitoring for risk and performance. Using the above investment information developed in your Financial Plan, we incorporate the following portfolio design process in your portfolio:

  • We design a client-specific investment portfolio with both asset class and sub-asset class targets and target ranges, all of which are dictated by your Financial Plan or risk tolerance.
  • Once the portfolio’s asset allocation and sub-asset allocation strategies are established, our fiduciary responsibility shifts to recommending high quality specialist money managers and/or low-cost index strategies for your portfolio.
  • Our fiduciary responsibility then shifts to monitoring your portfolio and the performance of each manager.

How Does Pinnacle Manage our Clients' Money Managers?

As a fiduciary, Pinnacle believes that every money manager recommended by Pinnacle and employed by our clients to manage their investment portfolio must do the following:

  • Go through a rigorous screening process to be hired and retained.
  • Provide complete disclosure of every trade being made.
  • Provide disclosure of internal expenses.
  • Maintain the disciplined investment standards they had when they were hired.
  • Perform above benchmark levels over a reasonable period of time (3 to 5 years).

Providing the above investment manager due diligence requires expert resources. We utilize industry leading consultants to help us evaluate and monitor our clients’ money managers on an ongoing basis.

What are Pinnacle’s Investment Advisory Fees?

Client’s cost structure depends on portfolio size and is a percentage of assets being managed by Pinnacle. The fee will generally range between .60% and 1.2% depending on portfolio size. The larger the portfolio, the lower the cost.

Are my Investments Safe with Pinnacle?

 Pinnacle is a non-custodial investment advisor and acts as a fiduciary under both state and federal law, just like your accountant or attorney. All your investments are held in accounts under your name with an approved nationally recognized custodian or a trust department, such as Charles Schwab. Pinnacle downloads the investment data from your custodians each night, but does not have access to, or custody of, your investment assets.

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*Please Note: Limitations.  Different types of investments involve varying degrees of risk.  Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended and/or undertaken by Pinnacle) or any planning or consulting services, will be profitable, equal any historical performance level(s), or prove successful.