Pinnacle Retirement & Financial Planning provides personalized financial planning and investment management services to individuals, families, and businesses throughout the San Francisco Bay Area. Operating as a registered investment advisor, Pinnacle Retirement & Financial Planning focuses on helping clients navigate retirement, tax minimization, cash flow planning, and estate goals. The planning process generally precedes any investment management relationship to understand personal financial goals, risk profile, and time horizons. Financial planning covers topics such as cash flow analysis, retirement income planning, budgeting, investment rebalancing, employee stock option analysis, tax minimization, insurance needs, and estate review. Investment management services are offered on a discretionary basis, with assets held at independent third-party custodians like Fidelity. Pinnacle Retirement & Financial Planning operates as a fee-only practice, meaning compensation comes solely from client fees rather than commissions on products.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.00% |
| $1.0M - $3.5M | 0.90% |
| $3.5M - $6.0M | 0.80% |
| $6.0M - $8.5M | 0.70% |
| $8.5M+ | 0.60% |
Firm reserves the right to charge an additional 0.25% for assets housed with different custodians and requesting consolidated reports. Fees are negotiable.