Pinnacle Financial Planning is a registered investment advisor located in Aurora, Illinois, founded by Robert Pachciarz. The firm helps clients by recommending third-party money managers to handle their investment portfolios, while Pinnacle Financial Planning acts as the ongoing liaison and monitors performance. In addition to investment oversight, the firm offers standalone financial planning services covering topics such as retirement strategies, cash flow analysis, and estate preservation. Pinnacle Financial Planning also offers insurance products through its managing member. The firm emphasizes a commitment to acting in the best interest of clients, though it earns referral fees from the third-party managers it recommends.
Fee Structure
Portfolio-Based Fees (Flat)
| Portfolio Value | Annual Fee |
|---|---|
| Any | 1.95% |
Fees vary by portfolio strategy ranging from 1.00% to 1.95% total annual fee, shared between Gradient Investments and Pinnacle Financial Planning. Fees are negotiable and assessed quarterly in arrears. An additional $15 quarterly technology service fee applies per account.