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From understanding true ownership costs to navigating dealerships, financing options and online buying, this series breaks down complex decisions into clear, actionable guidance you can use right away. 

Make credit work for you, not against you. Pinnacle’s financial advisors explain how to build, manage, and protect your credit for long-term financial health.

Boost your income without changing jobs. Pinnacle’s financial advisors share easy ways to cut costs and save more in every area of your life.

The U.S. economy has been remarkably resilient in the face of many these challenges, but the damage of short-term economic trends will affect our forecast for the balance of 2026 and 2027. We see lasting damage from the Iran conflict in the bond market as yields have climbed higher. The ten-year Treasury rate was at 3.99% on February 27, and at quarter end yields stood at 4.46%.

The S&P 500 fell 4.35% in the first quarter of 2026 and fell 9.78% from its late January high. So far this year we have seen a remarkable shift from A.I. euphoria in 2025 to a risk off environment driven by the war with Iran and the ensuing energy price spike. We began 2026 feeling constructive on the benefits of “The One Big, Beautiful Bill,” but this has given way to a more cynical view of the U.S. economy and an increased risk of a recession. The FOMC, who had cut the Federal Funds rate by 1.75% in 2024 and 2025, is now on the sidelines, and their path forward remains not clear.

From fortune 500 companies to small businesses, cash balance pension plans are becoming increasingly popular. Because they are employer funded, they allow for a higher annual contribution than traditional 401(k) plans, and employer contributions are tax-deductibles. They also provide flexibility. If an employee leaves or their employer terminates the plan, the balance can be rolled over if the employee is vested.

For many people, one of the biggest fears about getting older is not being able to afford the care they might need, and few conditions have a heavier long-term financial burden than dementia.

These four retirement mistakes can be expensive, but they’re easy to control. Find out what can you do before it's too late.

Passed with bipartisan support late in 2022 as part of an overall budget package by Congress, the so-called Secure 2.0 provisions represent some of the most significant changes to federal laws around retirement plans. Even more than the original Secure Act from 2019, Secure 2.0 will make retirement savings easier and more accessible to many Americans and will make it easier for businesses of all sizes to offer plans and encourage their employees to participate.

When you’re building a new business, it’s important to assemble a core team of trusted experts to ensure you lay a strong foundation for a successful, sustainable launch. These may include advisors in tax, legal, marketing, human resources or recruiting. When it comes to finances, your mind may jump to “Who’s going to lend me the money?”

You have a business or want to start one. You know the bank is your next stop, but you’re concerned you might not be ready. What do you do? Get started now, before your first meeting. The key is to ask yourself every question you can think of, prepare the answers and gather any documents you need. The more prepared you are, the better your banking experience will be. It can cut down review and decision time and starts your new banking relationship on the right foot.

Lack of working capital affects many female-owned businesses. However, government grants for women, affordable loans and microloans, investor funding and other funding options are available. Mapping capital to milestones and blending grants with low‑cost debt, will enable women founders to better manage cash flow, reduce financing costs and hit growth targets.

In the first week of July, House Budget Reconciliation Bill (HR 1) was signed into law. Included in the final version were several provisions affecting health and benefits accounts. Here is additional detail and commentary on the provisions included in the final version that became law.

A few years after being phased out, 100 percent bonus depreciation returns for the 2025 tax year. For business owners and real estate investors, this isn’t just a tax perk. It’s a practical way to boost cash flow, potentially reduce tax liability and increase return on investment.

The cost of financial crimes against older Americans is on the rise. Between 2024 and 2025, it surged from roughly $4.8 billion in 2024 to more than $7.7 billion. Are criminals targeting seniors more? Or are there just more seniors to target? As fraudsters' methods become more advanced and more Americans turn 65 than ever before, it seems likely that both are contributing factors.

With the influx of calendar reminders, appointments, practices and games flooding your inbox, so too come the marketing emails targeting the exact things you need for this season of busyness. Don’t forget to be on the lookout for fraudulent emails and malicious links outside of Pinnacle too!

Have you received a text or email about a missed toll payment? Did you scratch your head trying to remember when you might have missed one–or the last time you drove on a toll road? You’re not alone.

While dealing with problems resulting from identity theft can be time-consuming and frustrating, most victims can resolve their cases by being assertive, organized, and knowledgeable about their legal rights. Read this for steps you should take immediately.

If you believe your Pinnacle debit or credit card is lost or stolen, call us immediately.

Depending on the services you want, you should be able to discover an option that fits your needs and your budget.