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Our Investment Process

“Invest with Purpose” is our theme at Pinnacle Private Wealth. This approach is a well thought out process that permeates through all accounts here at Pinnacle. This process enables us to invest with the sole purpose of addressing each client’s goals and objectives based on their risk tolerance. This is a comprehensive process that is the main force behind every portfolio we design. We want to help clients invest their money with the most amount of certainty and the least amount of risk. 

At Pinnacle, the first step is to get a deep understanding of our clients.  We want to understand what our clients wish to achieve, what their past experiences have been, what is their appetite for risk and what is their ability to withstand volatility in the markets.

We utilize and have access to research firms and economists throughout the country through Triad Advisors and our partner custodians Fidelity, Schwab, and TD Institutional. We leverage our strategic partners from third party firms to provide the most current and up to date information for our clients.

The Process

After understanding our client’s goals and objectives we then start to build specific individual portfolios for each client, keeping in mind the “Invest with Purpose” theme. We believe that portfolio building starts with a tested and disciplined asset allocation process.  All portfolios must be well diversified among broad investment types and have an optimal mix to meet varying investment objectives. In addition, in certain cases, we will target certain companies, sectors, countries, or private equity and alternatives to customize the portfolio to fit our client's needs.

Once your allocation has been established, the next step is to build portfolios with various investment platforms.  As a firm, Pinnacle's philosophy is that a diligent fundamental research and a well defined analytical process, rigorously adhered to, is the key to identifying, recommending and monitoring investment opportunities that seek long term results with less volatility than many portfolios are exposed.

Once the portfolio has been built and implemented, it is continuously tested and monitored to ensure that it remains true to its original goals.  Our investment decisions are consistently monitored against benchmarks and peers.

All clients are different and we offer both strategic and tactical investing methods. Some of our clients believe in buy and hold strategies while others take more of an active approach.  At Pinnacle, we are conscious of both styles, strategic or tactical, and apply a specific strategy for each client.

We seek to achieve solid after tax returns outside of retirement or tax deferred accounts. For certain clients, minimizing taxes can be the most integral part of growing wealth.  We also take advantage of various tax efficient techniques such as tax loss harvesting designed with a goal to maximize and maintain wealth while managing the client’s overall tax exposure relative to their portfolio.

Ultimately, our process at Pinnacle Private Wealth is designed to always be attentive to the purpose of the investment, and focus on addressing our clients goals.

Asset allocation does not ensure a profit or protect against a loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.