We have knowledgeable financial advisors that will help in the following areas:

Investment Management

We offer investment advice based on computer models and ancillary services to develop and manage each client's portfolio in a sophisticated asset allocation program. Our focus will be on asset allocation and professional management. Our investment approach employs the use of Modern Portfolio Theory which helps provide solutions for improved risk management, the objective design of investment portfolios, and the selection of appropriate investments. Before we generate an asset allocation plan, an initial interview and data-gathering questionnaire is completed by the client to determine their goals, needs and risk tolerance. We primarily recommend no load mutual funds and our fees are strictly asset-based management fees. These mutual funds and fee structure help avoid potential conflicts of interest involved when commission-based products are recommended.

Investment Consultations

For those clients who do not desire intensive Investment Management services, Pinnacle Investment Advisors, LLC provides investment advice through Consultations offered on an hourly rate basis.

Comprehensive Financial Planning

We also offer individually tailored written financial plans. These financial plans consist of two components:

• A comprehensive analysis of the client's current financial situation.
• A follow-up meeting to discuss the appropriate steps to be taken to succeed.

Insurance Recommendations and Implementation

Pinnacle Investment Advisors, LLC is also a licensed insurance agency in the state of Michigan and receives normal commissions on insurance products. Insurance products are provided to clients for personal, estate and business needs. The following types of insurance are currently offered:

• Life insurance
• Health and disability insurance
• Long-term care insurance

Income Tax, Gift, and Estate Tax Advice

Our goal is to work with our clients to help minimize their tax obligations. All of the managers of Pinnacle Investment Advisors, LLC are CPAs with extensive experience in tax matters and can assist the clientele with tax planning recommendations.

Estate Planning

Planning to help minimize estate tax for our affluent clients is a vital concern to us. We can assist clients in such areas as establishing credit shelter trusts, developing gifting programs, using family LLCs, and creating irrevocable life insurance trusts. We have long standing relationships with several law firms which can prepare the appropriate legal documents including wills, trusts, and other legal entities.

Mortgage Issues

We help our clients by reviewing their home mortgages and may make recommendations to refinance, improve their personal cash flow, or to convert non-deductible consumer interest into deductible mortgage interest. We can also assist our clients in determining what type of mortgage is suitable for them on a new home purchase.

Retirement Planning

All of our clients want to retire with sufficient savings and investments to live comfortably without having to worry about outliving their savings. Sometimes, the calculations and absolute dollars can seem astounding. We prefer to use an integrated approach to retirement planning which includes:

• A comprehensive analysis of the client's current situation
• A plan that guides the client with a series of steps necessary to retire comfortably
• Investment and savings strategies
• Maximization of tax sheltered retirement plans
• Retirement distribution decision making
• And many other types of advice

Products

Pinnacle Investment Advisors, LLC recommends the services of Charles Schwab & Co., Inc., or a similar discount broker. The recommendation is based on the discount rates, variety of services available to clients and account protection offered through the Securities Investor Protection Corporation (SIPC).

Representatives of Pinnacle Investment Advisors, LLC are not registered representatives of Charles Schwab & Co., Inc. or any other broker/dealer and do not receive any commissions or fees from recommending these services. Products offered through discount brokers include:

• Stocks
• Bonds
• Mutual Funds
• Money Markets/Certificates of Deposit (CD's)
• Annuities
• Exchange Traded Funds