As an independent firm, PINNACLE Financial Strategies, LLC, does not have any proprietary products to sell or sales managers to answer to. Your personal financial fears and dreams are our sole focus. We encourage interaction with your other professionals (CPA and attorney) to be certain that the concepts and strategies we implement are in concert with the rest of your planning.
The best way to describe what we do may be to tell you what we don’t do:
We are not stockbrokers; buying and selling, just trying to make a quick buck.
We are not market timers; trying to read the crystal ball to see when the best time is to get in or out of the market.
We are not some typical insurance agents, who believe that life insurance is the answer to all of your financial problems.
With that in mind, we do investment management, which usually entails mutual funds (open-end, closed-end, and ETFs) as well as individual stocks and bonds on a limited basis. It may also involve life insurance, disability insurance, long-term care insurance, and some annuities, but we only recommend them if they're in your best interest.
Everything we do is based on gaining an understanding of the details of your situation first. Then, as an independent firm, we provide access to a wide range of products and product providers (mutual fund families and insurance carriers) for potential solutions. In the end, if the planning is done correctly, the products should fit together very naturally.
Remember, the best product on the market is of no benefit to you or your family if it does not solve your problem. When done correctly, all the pieces to the puzzle will fit together nicely.