Objective and Independent Advice
Pinnacle’s goal is to provide advice that is objective and in the
best interests of our clients. Our services are 100% “fee only” and not
subject to commissions. We do not receive direct or indirect payments
or referral fees from investment managers, funds, or other
professionals. We are able to use a very wide range of investments and
have no financial incentive to utilize one investment over another. We
put our clients’ interests ahead of our own and provide clients with the
same service and advice as we would to our friends and relatives.
Pinnacle’s staff includes individuals who have earned the
Certified Financial Planner (CFP®) and Chartered Financial Analyst (CFA)
designations. These are generally regarded as the two most rigorous
professional designations in the financial planning and investment
management professions. In addition, Pinnacle’s staff regularly attends
professional conferences and educational events to maintain and advance
their professional knowledge and expertise.
Code of Ethics
Pinnacle’s Code of Ethics
is our formal recognition of the responsibility all employees have to
the public, to colleagues and to our clients. These principles apply to
all employees and provide guidance to them in the performance of their
professional services. The Code requires them to act with integrity,
objectivity, and diligence and to maintain the knowledge and skill
necessary to provide our services competently. It also requires them to
be fair and reasonable and to disclose any conflicts of interest and to
act in a manner that demonstrates exemplary professional conduct.
Pinnacle’s staff is composed of a diverse group of professionals with
backgrounds in a variety of financial management and financial services
fields. We take a team approach to servicing all of our clients and
dedicate the best combination of resources to meet the needs of every
client. We also work with our clients’ other professional advisors such
as attorneys and accountants to ensure that they have a strong
professional team behind them.
We provide the personalized services of a small firm. We know each
of our clients by name, never by a number. We learn about their family,
goals and aspirations. Our clients are almost always assured of easily
reaching us by phone and rarely wind up on voice mail. If we do miss a
call, it is returned promptly. We spend as much time as necessary with
each client to understand their financial situation, clarify their
goals and objectives, and evaluate their options.
While Pinnacle has the flexibility and personal service of a small
firm, we have the resources of a much larger firm through our
affiliation in The Aegis Group, a national network of select independent
financial planning and investment professionals. Its purpose is to
share knowledge, expertise and resources among its members. Each member
brings unique professional expertise and personal experiences to the
group. The member’s background includes Certified Public Accountants
(CPA), Certified Financial Planners (CFP®), Chartered Financial Analysts
(CFA), venture capitalists, MBA’s, and insurance. As a result of the
varied professional backgrounds, members of the Aegis Group are able to
share their knowledge with other members and thereby enable each member
to provide their clients with a range of knowledge and experience
usually only found in much larger firms.
Portfolio Management and Rebalancing Technology
Pinnacle has never hesitated to adopt innovative approaches if it
believes it is in the best interest of our clients. We were one of the
first financial advisors in the Hartford area to utilize no-load mutual
funds in the early 1990’s. More recently we have been an early adapter
of a sophisticated portfolio management technology which enables us to
easily make changes across all portfolios tailored to each client’s
objectives and targeted allocations, in a tax efficient and cost
Safety of Assets
We recommend that the investments be held at an independent,
financially stable discount brokerage firm such as Charles Schwab &
Co. or TD Ameritrade where we have established relationships. The
accounts are registered in each clients name and only the client has
authorization to withdraw funds. The custodian notifies clients of
trades and provides monthly statements. These firms do not engage in
commercial lending, have been profitable and do not face the same
financial challenges as commercial banks. These brokerage firms
segregate their customers’ securities and the segregated securities are
not subject to claims by creditors. Further, each brokerage account is
insured for $500,000 by the SIPC and each brokerage firm maintains
hundreds of millions of dollars of additional insurance. Although the
value of the investments can fluctuate, we have a very high degree of
confidence in the safety of investments held at these custodians.
Commitment to act as a Fiduciary
interest first — ahead of that of our firm and its employees. As defined
by federal law, we will act as a fiduciary.
seeking the best investments at the best prices at all times.
provide impartial advice and act with skill, care, diligence and good
including our compensation from the providers of the products and
services we offer, as well as all fees we pay to others on your behalf.
any unforeseen conflicts that may arise.