Individual Services | Pinnacle Wealth Partners' Offerings

Our Individual Services

We believe the tools and resources gained through financial planning can provide the link between what clients envision and what they achieve. With this in mind, we will work with you to develop a plan that will help build, protect, and manage your finances using solutions such as insurance, investments, estate and inheritance planning, business, and tax planning strategies.

Our Approach

You want to be ready for what comes next in your life. Whether you are close to retirement or just starting out, we can help with a financial strategy that is tailored to fit your needs right now and going forward.

Prepare For What's Next

• Getting married

• Buying a home

• Starting a family

• Saving for college

• Navigating divorce

• Living in retirement

• Managing an inheritance

Set Realistic Goals

• Maximizing retirement contributions

• Eliminating debt

• Investing for the future

• Reviewing investments

Protect What Matters Most

• Income protection

• Financial planning for your loved ones

• Diversification of assets

Create Your Legacy

• Estate planning strategies

• Charitable giving

• Transfer of wealth

Live In The Now. We’ll Keep
Our Eye On What’s Ahead.

Investment Strategies

Many individuals have not planned or saved enough for retirement. Furthermore, some may wait until right before anticipated retirement to discuss this with a financial advisor. Our goal is help our clients understand their present needs and prepare them with future needs and goals in mind. We focus on guiding our clients to save more by utilizing tools and resources designed to accumulate wealth and be tax efficient in the process. We can provide the following solutions:

Financial Needs Analysis
Asset Allocation Analysis
Retirement Plan Check Up
Supplemental Retirement Income
Retirement Planning
IRAs (Traditional & Roth)
Wealth Accumulation Strategies
Mutual Funds, Stocks, & ETFs
Actively Managed Investments
Inheritance Management
Social Security Strategies
Long Term Care
Individual Health Insurance*

Charitible Giving Strategies
College Funding Strategies (529 & UTMA)
Retirement Account Rollovers
Account Consolidation
Tax Deferred Savings
Pension Plan Elections
Survivor Income
Annuities (Fixed & Variable)
Employer Rewards Tax Strategies (RSU & Stock Grants)
Tax Management for After Tax Investing
Medicare Supplement Services*

Life Insurance Solutions

Online searches for coverage lack professional expertise to incorporate tax-efficient financial and legacy planning. We review coverage or products that you are considering or policies you already have in place to determine if they meet the needs of you and your family.

We determine life insurance needs for our clients based upon the financial plan and then we source the policy for them utilizing trusted carriers. Once that is agreed upon, we can provide the following solutions:

Term Insurance
Universal Life
Variable Universal Life
Whole Life
Long Term Care
Employer Benefit Check Up

Survivorship Policies
Corporate Owned (Executive Bonus & Split Dollar)
Cash Accumulation, Death Benefit Only or Combination Strategies

Disability Income Insurance Solutions

Your income helps you pay for your home, transportation, food, child care and the list goes on. It is a key part of many of your accomplishments and that is why protecting it should be a priority. Often paired with group coverage provided by your employer, which provides an after-tax benefit, individual policies provide pre-tax benefits and may be essential in replacing your monthly budgetary needs. We can source a variety of disability coverage solutions utilizing trusted carriers. We can provide the following solutions to meet your needs:

Disability Income Insurance
Disability Retire Secure Insurance
Employer Benefit Disability Check Up

Estate Planning Solutions

We partner with your estate planning firm or provide you a network of trusted professionals to help understand and prepare for your legal or estate planning needs*. This engagement is generally a series of two meetings that we host at our office (client, attorney, and financial professional). Some services we effectively collaborate with your attorney are:

Last Will and Testaments
Health Power of Attorney
Financial Power of Attorney
Revocable Trusts
Survivorship Insurance

Irrevocable Trusts
Special Needs Trusts
Charitable Giving
Inheritance Equalization

*Providers are not affiliated with or endorsed by any company of Principal Financial Group®. The member companies of Principal Financial Group® are not rendering legal, accounting, or tax advice.

Tax Strategies

We can work with your tax planning firm or provide you with a network of trusted professionals to help with your tax planning needs. We collaborate with your tax professional to be aligned with what we are providing for you on the financial planning side. We can provide the following solutions:

Charitable Giving Strategies
Gifting Tax Planning
Employer Rewards Tax Strategies (RSU & Stock Grants)

Inheritance Management
Tax Overlay Strategies
Tax Management for After Tax Investing

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If you believe you could benefit from working with a financial professional, let’s review your portfolio, financial trajectory, and goals to see if you’re a good match for our practice.

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