Pinnacle Investments provides access to thoughtfully curated managed accounts and brokerage options, allowing you to work with an advisor who can align sophisticated strategies with your financial objectives.
What is Fee-Based Investment Management?
Our fee-based advisory accounts deliver a streamlined, comprehensive approach to financial management. You receive professional guidance and thoughtful portfolio oversight under a transparent, asset-based fee model designed for clarity and alignment. As fiduciary advisors, we operate with a legal and ethical obligation to prioritize your best interest in every step of the planning process.
What is a Transactional Brokerage Account?
A transactional brokerage account is a flexible investment option that allows you to buy and sell securities, such as stocks, bonds, mutual funds, and ETFs, while paying commissions on a per-transaction basis. This type of account is ideal for investors who prefer to take an active role in managing their portfolios and make investment decisions independently.
Options Can Help You
As dually registered investment advisors and broker-dealers, our advisors can offer more flexibility in tailoring solutions to your specific needs. This hybrid approach allows our advisors to:
- Provide a wider range of financial products and services based on your risk tolerance, time horizon, and goals
- Customize their compensation structure based on what is in your best interest. One size does NOT fit all!
- Offer more comprehensive financial planning solutions.
A hybrid advisor can offer you more transparency and choice in how your investments are managed:
- You can discuss the pros and cons of each compensation model for different aspects of your financial plan.
- This allows you to make informed decisions about how you want to compensate your advisor for various services.
Advisors who work with both fee-based and commission-based models often have broader expertise:
- They are typically knowledgeable about a wider range of financial products and services.
- This comprehensive knowledge can lead to more informed recommendations and strategies.
Working with an advisor who offers both models can simplify your financial management. This can be particularly beneficial for complex financial situations that require a mix of products and services.
In some cases, this hybrid model can lead to cost savings for clients, especially if you are investing for the long term. For certain transactions or products, a commission-based approach might be more cost-effective than paying ongoing fees. The advisor can choose the most appropriate compensation model for each specific service or product, potentially reducing overall costs.
We Offer
- Traditional IRA — tax-deferred growth; contributions may be deductible.
- Roth IRA — contributions made with after-tax dollars; withdrawals in retirement are tax-free.
- Rollover IRA — holds funds rolled over from an employer-sponsored plan (401(k), 403(b), etc.). Learn more about Rollover IRAs
- SEP IRA — Simplified Employee Pension plan for self-employed individuals or small businesses.
- SIMPLE IRA — Savings Incentive Match Plan for Employees (small business retirement plan).
- Beneficiary (Inherited) IRA — for heirs who inherit an IRA or retirement plan.
- Spousal IRA — for a non-working spouse using the working spouse’s income eligibility.
Taxable Investment Accounts are standard brokerage accounts with no special tax treatment.
- Individual (Taxable) Brokerage Account — for one person’s investments.
- Joint Brokerage Account — shared ownership, usually between spouses or family members.
- Custodial Account (UGMA/UTMA) — assets held for a minor until they reach majority age.
- Trust Account — investments held in the name of a trust.
- Estate Account — a temporary account used to manage a deceased person’s assets.
Education Accounts are designed for education savings.
- 529 College Savings Plan — a tax-advantaged account for education expenses. Learn more about College Savings Plans
- Coverdell Education Savings Account (ESA) — similar to a 529, with more flexibility on expenses.
- Custodial 529 Plan — 529 plan held for a minor under UGMA/UTMA rules.
- 401(k) — employer-sponsored defined contribution plan.
- Roth 401(k) — after-tax version of the 401(k).
- 403(b) — for employees of public schools and certain nonprofits.
- 457(b) — for government and some nonprofit employees.
- Profit-Sharing Plan — employer contributions based on profits.
- Money Purchase Pension Plan — a fixed employer contribution plan.
- Defined Benefit Plan (Pension) — traditional employer-funded pension plan.
Learn more about Employer-Sponsored Plans