Pinnacle Financial Group

Your Financial Team: Mike Rich, Lauren Moore, Annette Kernahan, and Steve Kernahan.

At Pinnacle Financial Group, we know it's not just about your money, it's about your life.

With that focus as our guide, our job is to listen, understand, and advise our clients - individuals and business owners alike -  in a holistic approach to wealth accumulation, protection, and enjoyment. As part of their "bird's eye view" planning process, Pinnacle advisors Steve Kernahan and Mike Rich teach their clients about the four domains that make up everyone's financial life: PROTECTION, ASSETS, LIABILITIES, and CASH FLOW. Understanding the interdependence of these four domains, and focusing on efficient deployment of cash flow, leads to financial plans that will work, rather than ones that might.

To guide their work, Steve and Mike use a unique financial tool developed by The Guardian Life Insurance Company of America. Offered at no cost to clients, this tool provides a personalized, secure web site where Pinnacle clients can see and monitor their financial progress, not just in wealth accumulation, but in all four of their financial domains. It's a unique approach to personal and business financial planning that prepares clients for the probable, while protecting them against the possible. To learn more, click here.

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Calculators

Retirement Plan Early Distribution

Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.

Net Worth

A balance sheet summarizes your assets and liabilities and reveals your net worth.

Mortgage Refinancing

Determine whether you should consider refinancing your mortgage.

Credit Card Debt

How Long Will It Take to Pay my Balance?

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Newsletters

Protect Your Business with a Disaster Readiness Plan

Most people think of hurricanes, tornados, and earthquakes as events that could seriously affect the operations of a business and result in shortages of goods and materials. But even a fire or a flood in the warehouse can cause operations to come to a grinding halt. By one estimate, one-quarter of businesses never reopen after a major calamity.

Is Your Business Ready for a Structure Change

Periodically, business owners may want to reconsider whether their current business structure is meeting the needs of their companies. For business owners seeking to expand their operations and reduce their exposure to risk, a popular entity has been the limited liability company. This article describes some additional benefits associated with LLCs.

Are Consumers Holding the Keys to a Better Economy?

Consumer spending still accounts for about 70% of gross domestic product, but some government statistics suggest that consumers may have reduced spending drastically in recent years, especially on discretionary items. High unemployment, household debt, and a general lack of confidence can affect consumers' ability and willingness to spend.

Why You Want to Know How Much Your Business is Worth

An up-to-date valuation may seem like an unnecessary expense for a small business, but it could prove to be invaluable to achieving long-term goals. Knowing the current value of a business can affect how an owner might approach everything from retirement to estate conservation to a succession strategy.

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