ASSET MANAGEMENT

TRUST US TO MANAGE YOUR MONEY.

 

Asset Management starts and ends with you — our client. We are keenly aware that you have trusted us to invest your money and that you depend on our insight of the economy and financial markets to accomplish your goals. In this vein, we start by evaluating the markets from both the cyclical and secular cycles. This assessment is a foundational building block for our strategic asset allocation, which is designed to maximize the return of your assets while keeping volatility within a range that you can tolerate..

Based on current and forecasted market conditions, your portfolio will be distributed between stocks, bonds, cash, and our alternative investment strategies. Top-tier institutional money managers are assigned to fill each of these asset classes. A multiplicity of independent research is used to run a tactical overlay on your portfolio. Non-correlated asset classes and strategies are utilized to limit volatility and boost long-term returns. Tax efficiencies are achieved through tax-loss harvesting, as well as the use of IRAs and other qualified accounts.

Pinnacle Trust has developed specific strategies to create diversified investment portfolios that include Alternative Investments. Real estate, oil and gas interests, timber interests, commodities, exchange traded funds (ETFs), managed futures, hedge funds, and private equity are all Alternative Investments that can be explored. Some of these alternative investments are available to accredited investors* only, and must be pre-approved by Pinnacle Trust’s Investment Committee.

*Rule 501 of the SEC regulations defines an individual accredited investor as “any natural person whose individual net worth or joint net worth with that person’s spouse at the time of his purchase exceeds $1,000,000, exclusive of residence” OR “any natural person who had an individual income in excess of $200,000 in each of the two most recent years or a joint income with that person’s spouse in excess of $300,000 in each of those years and has a reasonable expectation of reaching the same income level in the current year.”

Pinnacle Trust provides brokerage and/or custodial services to asset management clients whose accounts are not under our active management. Brokerage services offered under a custodial account include: the purchase or sale of exchange-listed securities, the purchase or sale of retail, non-proprietary mutual funds, holding unlisted or privately held securities for an account, receiving and recording income from assets held in an account, and serving as custodian for self-directed IRA accounts. We also provide consolidated accounts for diverse assets including: exchange-listed stocks and bonds, and non-liquid assets such as real estate, closely held stock, collectibles, or most other assets.

There are several distinctions between our custodial services and an asset management account. As custodian, we do not offer investment advice. We will buy or sell investments only at your direction and we do not act as a securities broker. While Pinnacle Trust may receive credit for trades executed through SEI Investments Brokerage Services, such credit may only be used to offset the cost of investment research and will not result in any compensation paid to Pinnacle Trust.