What We Do

 

At PINNACLE Financial Strategies, LLC, we understand that every client’s needs are unique. With that in mind, we offer a wide range of products and services, all customized for you.
 

Here are a few of the services available to you:

Investment Management: Clients ask us to manage their IRAs, old 401(k) rollovers, and other taxable accounts. In doing so, we pay very close attention to risk when designing an asset allocation strategy. We can coordinate your various investments (i.e. current 401(k), CDs, and other holdings) to help avoid material overlaps and holes, while giving you the confidence of coordination you deserve.

Retirement Planning: Entering retirement can be a very stressful event. It is far more than just money; it is also a change in habits, relationships and abilities. We help you prepare for and enter into retirement. If you are uncomfortable with how your money is invested, or would like to receive another check every month that is not affected by the stock market or changes in interest rates, these are things we can help you do with our retirement planning services.  

Insurance: It is often said that you only need insurance if you love someone or owe someone. We help you determine the type of policy that best addresses your needs and how much protection makes sense. We then shop it around to secure a good value for you. In addition, we review your current policies, in light of your situation, and recommend adjustments if needed to help you put things in place.

College Funding: The cost of attending a college or university continues to rise rapidly. Fortunately, there are more ways to save and invest for college than ever before (529s, Coverdale ESAs, state TAP programs, UTMA and UGMAs, and so forth). Working with us, and through our affiliation with Commonwealth, you have access to numerous options. We help you sort through which combination of these plans and other options is right for you.

Estate Planning: You have worked hard to accumulate what you have today, and we want to help maximize what stays in your family. We stay current on all estate tax laws so you can take full benefit of what is available. We review your will, how your assets are owned (jointly, individually, TOD, etc.), and your beneficiary designations to help you minimize the costs associated with passing your estate to the next generation. Life insurance trusts, bypass trusts, charitable trusts, are just some of the tools we will bring to your attention as we work closely with you and your attorney to get things into place.

Qualified Plans: Retirement plans provide a benefit that will help you and your company retain and attract talent. This benefit can come with a lot of regulatory scrutiny. Our services focus on SIMPLE IRAs for small businesses, 401(k) plans with a minimum of $1 million in assets, and defined-benefit plans in excess of $250,000. We have access to dozens of different investment options and work closely with you to fulfill your due diligence responsibility. We can work with you to provide a benefit that meets the needs of your company and your employees.

Long-Term Care: You may be in good health, active, and young enough not to have to think about planning for a potential long-term care event. The reality is that long-term care can upend your family and your finances. The best time to talk about a crisis is before it happens. That is why we encourage you to have a conversation about long-term care with your family today. As you discuss these important issues, please remember that we can provide you with information about long-term care planning and review your financial plan to ensure that you and your family are prepared for whatever life changes you face. 

Charitable Giving: Giving back to your community, church, or alma mater is always a great feeling. We can help you optimize your charitable intentions. While most people consider leaving something after their deaths, there are strategies you should consider while still living. Some of these strategies can multiply the value of the gifts you may already be making. While some high-net-worth people consider establishing a Private Family Foundation, there are numerous other ways (for example, a Donor Advised Fund-DAF or a Charitable Remainder Trust-CRT) you can create a legacy or make larger, meaningful gifts to charity.  We can help you determine which strategy or combination of strategies best help you fulfill your philanthropic goals.

Call us today to schedule a consultation.

 

Pinnacle Financial Strategies does not provide legal or tax advice. You should consult a legal or tax professional regarding your individual situation.  Fixed insurance products and services offered through CES Insurance Agency.