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

Life Insurance

How much life insurance would you need to produce a sufficient income stream for your family?

Tax-Deferred Savings

Compare the potential future value of tax-deferred investments to that of taxable investments.

Roth IRA Conversion

This calculator can help you determine whether you should consider converting to a Roth IRA.

Long-Term Care Self Insurance

Will you be able to afford nursing home care?

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Newsletters

Tax-Efficient Investments for the Tax-Averse

Raising taxes is one of many ideas that have been proposed to help reduce mounting federal budget deficits. Readers who are concerned about the prospect of higher taxes in the future may want to consider the tax advantages associated with municipal bonds and tax-exempt mutual funds.

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.

Retaining MVPs with Executive Bonus Life Insurance

An economic recovery is likely to bring more job opportunities to top performers, but it could prove costly for businesses to replace productive employees who decide to leave. An executive bonus plan funded with cash-value life insurance can be used to reward and retain an organization's most valuable employees.

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.

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