Pinnacle Strategies
Pinnacle Strategies is a privately held boutique financial advisory firm affiliated with New York Life that delivers estate planning, asset protection, business succession, and wealth management to affluent individuals, business owners, and physicians from offices in Florida, New York, and Connecticut.
- Company typePrivate
- Founded1983
- HeadquartersFort Myers, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Pinnacle Strategies does
Pinnacle Strategies, Inc. is a privately held boutique financial advisory firm headquartered in Fort Myers, Florida, with regional offices in Melville, New York, and Stratford, Connecticut. Founded by Robert Andrew Moro—who first established a predecessor firm, Kristin Financial Group, after joining New York Life Insurance Company in 1983—the firm operates as an independent practice affiliated with New York Life and its subsidiaries NYLIFE Securities LLC and Eagle Strategies LLC. The firm serves affluent individuals and families, privately held business owners, corporate executives, and physicians, delivering estate and asset protection planning, business succession and exit planning, executive benefits consulting, philanthropy planning, and wealth optimization services.
The firm's product portfolio is organized around four core pillars: estate and asset protection planning (including ILITs, SLATs, generation-skipping trusts, family limited partnerships, and domestic asset protection trusts); business succession and exit planning (including buy-sell funding, key person insurance, deferred compensation, and recapitalization); executive benefits services (including split dollar, executive bonus, executive carve-out, qualified plans, and group benefits via payroll deduction); and philanthropy planning (including charitable lead/remainder trusts and private foundations). It operates a dedicated physician-focused practice covering retirement, tax, debt management, asset protection, education planning, insurance, and employee benefits for medical residents, fellows, and practicing physicians. The firm relies on third-party technology platforms—eMoney for financial planning, Eagle Strategies investment management programs, Ash Brokerage for multi-carrier insurance access, and a roster of third-party money managers (Loring Ward, Morningstar, Brinker Capital, Cohen & Steers, Ibbotson, Frontier Asset Management, Fund Evaluation Group, Cumberland Advisors, Reinhart Partners, Rothschild Wealth Management & Trust, HGK, TJIM, IPC, GWK, and Roosevelt Investments)—rather than proprietary technology.
Pinnacle Strategies generates revenue through three streams: (i) recurring fee-based financial planning and investment advisory services delivered through Eagle Strategies LLC; (ii) transaction-based commissions on insurance products (life, long-term care, disability, annuities) placed through New York Life and other unaffiliated carriers via Ash Brokerage; and (iii) transaction-based commissions on securities products distributed through NYLIFE Securities LLC. Distribution is relationship-led, executed by a core team of approximately seven to nine advisors and client services staff across three offices, with individual advisor licensure spanning 25+ U.S. states (primary commercial concentration in CT, FL, NJ, NY, and surrounding states). Customer acquisition relies on referrals from attorneys, CPAs, and insurance partners; community involvement (Rotary, Chamber of Commerce, Johnny Mac Foundation, NAIFA, Estate Planning Council of Nassau County); employer-sponsored financial education seminars; and the brand credibility of the New York Life affiliation. Pricing is not publicly disclosed and is quote-based per engagement.
Pinnacle Strategies firmographics
Firmographics- Name
- Pinnacle Strategies
- Legal name
- Pinnacle Strategies, Inc.
- Website
- https://pinnaclestrategiesinc.com
- Company type
- Private
- Founded year
- 1983
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Pinnacle Strategies is a privately held boutique financial advisory firm affiliated with New York Life that delivers estate planning, asset protection, business succession, and wealth management to affluent individuals, business owners, and physicians from offices in Florida, New York, and Connecticut.
- Ownership category
- akta.pro rank
Pinnacle Strategies industry classification
Industry- Product category
- Financial Advisory Services
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Comprehensive Financial Planning (FSAEAAAA)
- akta.pro secondary industries
- Business Owner & Executive Financial Planning (FSAEAAAO), Estate & Legacy Planning Advisory (FSAEAAAG), Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD), Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)
Keywords
Where Pinnacle Strategies is headquartered
LocationHeadquarters
- HQ city
- Fort Myers
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Pinnacle Strategies business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Financial Advisory Fees: Fee-based financial planning and investment advisory services provided through Eagle Strategies LLC, a registered investment adviser subsidiary of New York Life. Advisors provide comprehensive financial planning, investment management, and ongoing portfolio advisory services.
- Insurance Products: Commission-based revenue from sale of insurance products including life insurance, long-term care insurance, disability insurance, and annuities through New York Life Insurance Company and other insurance carriers. Products include individual and corporate policies for income replacement, asset protection, and estate planning.
- Securities Products and Services: Registered representatives through NYLIFE Securities LLC (Member FINRA/SIPC) offer securities products and services, generating commissions on investment products such as mutual funds, annuities, and other securities.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Custom advisory services with tailored pricing based on client complexity and assets under management |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Pinnacle Strategies product offering
Product offeringCore offering
Pinnacle Strategies is a boutique financial advisory firm providing estate and asset protection planning, business succession and exit planning, executive benefits design, and philanthropy planning for affluent individuals, families, and business owners. Through its affiliation with New York Life Insurance Company, NYLIFE Securities LLC, and Eagle Strategies LLC, the firm also distributes life insurance, long-term care insurance, disability insurance, securities products, and fee-based investment advisory services. The firm offers specialized integrated financial planning exclusively for physicians and medical professionals covering retirement, tax, debt management, asset protection, and education planning.
Product overview
Pinnacle Strategies, Inc. is a boutique financial advisory firm offering a comprehensive suite of wealth management services primarily focused on affluent individuals, families, business owners, corporate executives, and physicians. The firm provides estate and asset protection planning, business succession planning, executive benefits, and philanthropy planning as its core service pillars. For physicians specifically, the firm offers integrated financial planning covering retirement planning, tax strategies, debt management, asset protection, education planning, insurance, and employee benefits. Additional services include wealth optimization through various trust structures (Charitable Lead/Remainder Trusts, Generation Skipping Trusts, Family Foundations), wealth protection (ILITs, SLATs), wealth transfer strategies (Revocable Living Trusts, FLPs), and asset protection trusts (DAPTs). The firm also provides disability insurance products and long-term care insurance solutions. Through its partnership with Eagle Strategies LLC, the firm offers fee-based financial planning and investment advisory services. Financial calculators are available through New York Life's platform for educational purposes. The firm operates as part of the New York Life Insurance Company family, offering products through NYLIFE Securities LLC.
Differentiator
Problem solved
Functional benefit
Products and services
- Estate and Asset Protection Planning
Companies that use Pinnacle Strategies
Customer profileSegments4 records
Ideal customer profiles4 records
Pinnacle Strategies technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Pinnacle Strategies partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- New York Life Insurance CompanycoreNew York Life Insurance Company is the parent organization and primary strategic partner. Pinnacle Strategies advisors are agents, registered representatives, and financial advisors affiliated with New York Life and its subsidiaries. New York Life is a Fortune 100 company, the largest mutual individual life insurance company in the United States, with over 180 years of history. The affiliation provides access to insurance products, securities platforms, investment management programs, and institutional credibility.
- NYLIFE Securities LLCcoreNYLIFE Securities LLC is a FINRA/SIPC member, licensed insurance agency, and wholly-owned subsidiary of New York Life. Pinnacle Strategies advisors are registered representatives offering securities products and services through this channel. The firm operates under NYLIFE Securities' regulatory umbrella for investment products distribution.
- Eagle Strategies LLCcoreEagle Strategies LLC is a Registered Investment Adviser headquartered in New York City, wholly-owned by New York Life Insurance Company. Through this partnership, Pinnacle Strategies provides fee-based financial planning, investment advisory services, and access to investment management programs. The firm leverages Eagle's investment research, third-party manager due diligence, and financial planning technology platforms.
Scale indicators3 records
Recent moves5 records
Expansion highlights5 records
Pinnacle Strategies competitors and assessment
Company assessmentBroad incumbents
- Northwestern Mutual Wealth Management: Mutual insurer-owned wealth management practice with thousands of financial advisors providing insurance, investment, and planning services to HNW households. Comparable in insurance-affiliated boutique-advisor model and HNW target market; materially larger scale.
- Cambridge Investment Research: Large independent broker-dealer and RIA supporting affiliated advisors who serve HNW individuals with holistic financial planning, investment advisory, and insurance. Comparable as a multi-affiliate wealth advisory network; structurally different as an independent (not NYL) platform.
- Wealth Enhancement Group: PE-backed national wealth management roll-up (acquired by Lightyear Capital) serving HNW individuals with comprehensive financial planning, investment advisory, and insurance services. Directly comparable as a multi-office, multi-advisor HNW advisory platform, though materially larger and RIA-led rather than NYL-affiliated.
- MassMutual Financial Advisors: Mutual life insurer-affiliated advisor network providing wealth management, retirement, and estate planning to HNW individuals and business owners. Comparable in life-insurance-affiliated advisor model and comprehensive planning approach; serves as a direct competitor for similar insurance-licensed advisor talent.
- Cetera Financial Group: PE-owned (Genstar Capital) independent broker-dealer and RIA network supporting thousands of financial advisors serving HNW clients with securities, advisory, and insurance solutions. Comparable in multi-advisor wealth advisory model targeting mass-affluent and HNW segments.
- Hightower Advisors: PE-backed (Thomas H. Lee Partners) RIA platform serving ultra-high-net-worth and HNW individuals and families with comprehensive wealth, estate, and business planning. Comparable in target client and breadth of services; differs in scale and independent RIA (not insurance-affiliated) structure.
- Mariner Wealth Advisors: PE-backed (Genstar Capital) national RIA providing comprehensive wealth planning, investment management, and family office services to ultra-HNW clients. Comparable in providing estate, business succession, and multi-generational planning for HNW families and business owners.
- Creative Planning: Large national RIA providing comprehensive wealth management, estate planning, and family office services to HNW and ultra-HNW clients including business owners and professionals. Comparable in comprehensive planning depth and HNW business-owner and physician segments; vastly larger scale.
Emerging players
- CAPTRUST: PE-backed (GTCR, Reverence Capital) national RIA specializing in retirement plan advisory and wealth management for corporate executives and HNW individuals. Comparable in serving corporate executives and business owners with retirement planning, deferred compensation, and executive benefits; overlaps on Pinnacle's executive benefits practice.
- OneDigital: PE-backed (Onex, New Mountain) national firm providing employee benefits, retirement planning, and wealth advisory to business owners and corporate executives. Comparable in targeting business owners and executives with combined benefits and financial planning solutions; differs in B2B/employer channel focus.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Pinnacle Strategies social profiles
Digital presencePinnacle Strategies financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pinnacle Strategies leadership team
Management profileNumber of profiles
Profiles8 records
Pinnacle Strategies funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pinnacle Strategies M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Pinnacle Strategies
What does Pinnacle Strategies do?
Pinnacle Strategies is a boutique financial advisory firm providing estate and asset protection planning, business succession and exit planning, executive benefits design, and philanthropy planning for affluent individuals, families, and business owners. Through its affiliation with New York Life Insurance Company, NYLIFE Securities LLC, and Eagle Strategies LLC, the firm also distributes life insurance, long-term care insurance, disability insurance, securities products, and fee-based investment advisory services. The firm offers specialized integrated financial planning exclusively for physicians and medical professionals covering retirement, tax, debt management, asset protection, and education planning.
Is Pinnacle Strategies a public or private company?
Pinnacle Strategies is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Pinnacle Strategies founded?
Pinnacle Strategies was founded in 1983. It employs 1 to 10 people.
Where is Pinnacle Strategies based?
Pinnacle Strategies is headquartered in Fort Myers, United States, in the North America region.
How does Pinnacle Strategies make money?
Three revenue lines are on record. Financial Advisory Fees are the primary driver. The others are insurance Products and securities Products and Services.
Who are Pinnacle Strategies's main competitors?
Broad incumbents on record are Northwestern Mutual Wealth Management, Cambridge Investment Research, Wealth Enhancement Group, MassMutual Financial Advisors, Cetera Financial Group, Hightower Advisors, Mariner Wealth Advisors and Creative Planning. Emerging players are CAPTRUST and OneDigital.
Does Pinnacle Strategies have an API?
No public API is recorded for Pinnacle Strategies.
What industry is Pinnacle Strategies in?
Pinnacle Strategies's product category is Financial Advisory Services. Its primary akta.pro industry code is FSAEAAAA, Comprehensive Financial Planning, with a secondary code of FSAEAAAO, Business Owner & Executive Financial Planning. Its NAICS code is 523940 and its SIC code is 6282.