What Pinnacle Insurance & Financial Services does

Pinnacle Insurance & Financial Services, operating as "The Pinnacle Group," is a private insurance brokerage general agency and financial services wholesaler headquartered in Jacksonville, Florida, founded in 2007. The company distributes insurance and financial products—annuities, life insurance, long-term care, wealth transfer solutions, and estate and business planning instruments—exclusively through independent financial advisors, registered investment advisors (RIAs), and broker dealers rather than selling directly to consumers. Its end clients include high-net-worth individuals served through these advisor channels, with use cases spanning estate planning, business succession, executive benefits, premium financing, and tax-advantaged planning.

The company's core offering is the Advisor Portal, a cloud-based platform that provides financial advisors with quoting tools, case management, advanced planning resources, and marketing support in a centralized location. Layered on top is the Advanced Planning Complex (APC), a multi-layered support team staffed with experts registered in all 50 states who assist advisors with complex case design. The firm operates three regional offices (Jacksonville HQ, Atlanta, Boise/Nampa) staffed with Managing Partners and Directors who provide face-to-face, consultative support. The company also maintains affiliate brands—RIA VA Solutions, Finspire Creative, and ClientGen—extending its reach into RIA-specific solutions, creative services, and client management. Securities are offered through a regulatory partnership with Simplicity Investments (Member FINRA/SIPC), and The Pinnacle Group is not affiliated with that broker-dealer.

Revenue is generated through commissions on insurance and annuity products distributed via the advisor channel, with a field-based enterprise sales motion emphasizing consultative partnership rather than transactional vendor relationships. Pricing is not publicly disclosed and is determined by individual client circumstances and product specifications. The company serves banks and credit unions, RIAs, successful independent advisors, and broker dealers, with sub-50 employees supporting a multi-state distribution footprint.

Name

Pinnacle Insurance & Financial Services

Legal name

Pinnacle Insurance & Financial Services, LLC.

Website

https://pinnacleifs.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Pinnacle Insurance & Financial Services (dba "The Pinnacle Group") is a private insurance brokerage general agency headquartered in Jacksonville, FL that distributes annuities, life insurance, and advanced planning solutions to independent financial advisors, RIAs, and broker dealers via regional offices and a cloud-based Advisor Portal.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Wholesaling

NAICS

Insurance Agencies and Brokerages (52421), Portfolio Management and Investment Advice (523940)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industries

Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE), Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

Keywords

• Insurance wholesale distribution
• Annuity product distribution
• Life insurance brokerage
• Advanced planning services
• Financial advisor support

Headquarters

HQ city

Jacksonville

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance and Financial Product Distribution: The company operates as a brokerage general agency/wholesaler distributing insurance and financial products (annuities, life insurance, long-term care) to independent financial advisors, RIAs, and broker dealers. Revenue is generated through commissions on products sold to end clients, with the company providing support services including advanced planning, case design, and ongoing support throughout the application process.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Pinnacle Insurance & Financial Services operates as a brokerage general agency that distributes insurance and financial products—annuities, life insurance, and long-term care insurance—along with advanced planning services to independent financial advisors, RIAs, and broker dealers. The firm supports advisor partners through a cloud-based Advisor Portal (quoting tools, case management, marketing resources) and an Advanced Planning Complex staffed by specialists registered in all 50 states who help design complex wealth transfer, estate, business succession, executive benefit, premium financing, and life settlement strategies.

Product overview

Pinnacle Insurance & Financial Services operates primarily as a financial services wholesaler under the dba 'The Pinnacle Group.' The core product is the Advisor Portal, a cloud-based digital platform that serves as the central hub for financial advisors, providing quoting tools, advanced planning resources, marketing support, and case design capabilities. The Advanced Planning Complex (APC) is a key service module within the offering, providing expert support for complex financial strategies. The company also provides RIA support services and operates regional offices (Atlanta and Boise) that deliver these services with local teams. The portfolio includes annuity solutions, life insurance, long-term care planning, wealth transfer, business valuation, exit strategy planning, executive benefits, premium finance, BOLI, tax planning, and life settlements as service offerings.

Differentiator

Problem solved

Functional benefit

Brands

• RIA VA Solutions: Affiliate company providing RIA solutions
• Finspire Creative
• ClientGen

Products and services

• Advisor Portal A cloud-based digital platform that gives financial advisors and registered representatives self-service access to quoting tools, case management, advanced planning resources, marketing support, and case design capabilities in one centralized location.
• Advanced Planning Complex (APC) A multi-layered support team of advanced planning specialists, registered in all 50 states, that helps financial advisors identify business opportunities and design complex strategies for high-net-worth clients across wealth transfer, estate planning, business succession, executive benefits, premium financing, BOLI, and life settlements.
• Insurance and Annuity Product Distribution Wholesale distribution of annuities, life insurance, and long-term care insurance products to independent financial advisors, RIAs, and broker dealers, with support services including advanced planning, case design, and ongoing application support.
• Wealth Transfer and Estate Planning Solutions Insurance- and annuity-based strategies for wealth transfer and estate planning designed for high-net-worth clients, delivered through Pinnacle's advisor partners with Advanced Planning Complex support.
• Business Succession and Executive Benefits Planning Business planning services including business valuation, exit strategy design, executive benefits, premium financing, and Bank-Owned Life Insurance (BOLI) solutions for business-owner clients of Pinnacle's advisor partners.
• Life Settlements Services Life settlements services that allow eligible policyholders to monetize existing life insurance policies, coordinated for advisors and their high-net-worth clients through Pinnacle's distribution and advanced planning infrastructure.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Simplicity InvestmentscoreOthersSecurities are offered through Simplicity Investments, Member FINRA/SIPC, located at 475 Springfield Ave, Summit, NJ 07901. This is a regulatory/compliance partnership required for securities distribution. The Pinnacle Group is not affiliated with Simplicity Investments.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Lion Street: Insurance-focused BGA/wholesaler that distributes life insurance, annuities, and advanced-planning solutions through independent financial advisors and RIAs — virtually identical business model to Pinnacle, including HNW focus and partnership-style advisor support.
• Park Avenue Securities: Insurance and securities distribution arm focused on HNW clients, offering advanced planning support to advisors and RIAs — similar product mix and advisor-centric distribution.
• Insurance Designers of America (IDA): Insurance-focused BGA providing life insurance, disability, and annuity products to financial advisors — comparable wholesaler/distributor model serving independent advisor channels.
• The Leaders Group: Independent BGA distributing life insurance, annuities, and long-term care products through financial advisors, with similar regional-office field model and consultative case-design support.
• CreativeOne: BGA built specifically to serve the RIA channel with insurance, annuity, and practice-management support — directly overlaps Pinnacle's advisor-portal plus advanced-planning go-to-market.

Broad incumbents

• HD Vest Financial Services: Tax-focused IBD/broker-dealer with insurance distribution capabilities serving CPAs, advisors, and HNW clients — overlapping with Pinnacle's HNW and advanced-planning positioning.
• Cambridge Investment Research: Large independent IBD with insurance and annuity solutions and a deep advisor-support infrastructure; competes with Pinnacle for enterprise relationships with RIAs and broker-dealers.
• Kestra Financial: Large independent broker-dealer with significant insurance distribution and advanced-markets support; competes with Pinnacle for the same RIA and IBD-affiliated advisors but at much greater scale.
• Cetera Financial Group: Major IBD network with in-house insurance distribution and advanced planning resources; broader product shelf and technology stack than Pinnacle but overlapping RIA/broker-dealer customer base.

Emerging players

• USA Financial: RIA support platform and BGA delivering insurance, annuity, and practice-management solutions to independent advisors — comparable partnership-style model with technology emphasis.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/pinnacle_ifs
• Facebookfacebook.com/pinnacleifs
• LinkedInlinkedin.com/company/1828499

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pinnacle Insurance & Financial Services