Overview
We are dedicated to providing individuals and other types of clients with a wide array of investment
advisory services. Our firm traces its roots to 2013 when its predecessor firm, Pinnacle Asset
Management, Inc., registered as an independent Registered Investment Adviser. Pinnacle Wealth
Management, LLC was formed in California and has been in business as an independent Registered
Investment Adviser since 2021. Our firm is owned by Pinnacle Asset Management, Inc. and Zboralske
Investment Management, Inc.
Description of the Types of Advisory Services We Offer
Asset Management:
We emphasize continuous and regular account supervision. As part of our asset management service,
we generally create a portfolio, consisting of individual stocks or bonds, exchange traded funds (“ETFs”),
options, mutual funds and other public and private securities or investments. The client’s individual
investment strategy is tailored to their specific needs and may include some or all of the previously
mentioned securities. Each portfolio will be initially designed to meet a particular investment goal,
which we determine to be suitable to the client’s circumstances. Once the appropriate portfolio has been
determined, we review the portfolio at least annually and if necessary, rebalance the portfolio based
upon the client’s individual needs, stated goals and objectives.
When deemed suitable for the client, our firm utilizes the sub-advisory services of a third-party
investment advisory firm or individual advisor to aid in the implementation of an investment
portfolio designed by our firm. Before selecting a firm or individual, our firm will ensure that the
chosen party is properly licensed or registered.
Financial Planning & Consulting:
Our firm provides a variety of standalone financial planning and consulting services to clients for the
management of financial resources based upon an analysis of current situation, goals, and objectives.
Financial planning services will typically involve preparing a financial plan
or rendering a financial
consultation for clients based on the client’s financial goals and objectives. This planning or
consulting may encompass Investment Planning, Retirement Planning, Estate Planning, Charitable
Planning, Education Planning, Corporate and Personal Tax Planning, Cost Segregation Study,
Corporate Structure, Real Estate Analysis, Mortgage/Debt Analysis, Insurance Analysis, Lines of
Credit Evaluation, or Business and Personal Financial Planning.
Written financial plans or financial consultations rendered to clients usually include general
recommendations for a course of activity or specific actions to be taken by the clients.
Implementation of the recommendations will be at the discretion of the client. Our firm provides
clients with a summary of their financial situation, and observations for financial planning
engagements. Financial consultations are not typically accompanied by a written summary of
observations and recommendations, as the process is less formal than the planning service. Assuming
all the information and documents requested from the clients are provided promptly, plans or
consultations are typically completed within 6 months of the client signing a contract with our firm.
ADV Part 2A – Firm Brochure Page 5 Pinnacle Wealth Management, LLC
Tailoring of Advisory Services
We offer individualized investment advice to clients utilizing our Asset Management service.
Each client has the opportunity to place reasonable restrictions on the types of investments to be held
in the portfolio. Restrictions on investments in certain securities or types of securities may not be
possible due to the level of difficulty this would entail in managing the account. Restrictions would
be limited to our Asset Management service. We do not manage assets through our other service.
Participation in Wrap Fee Programs
We do not offer a wrap fee program.
Regulatory Assets Under Management
Our firm manages $159,061,764 all on a discretionary basis calculated as of December 31, 2023.