Pinnacle Wealth, LLC

Pinnacle Wealth, LLC Matthew Radintz is an Investment Advisor Representative with Osaic Wealth, Inc. Securities and investment advisory services offered through Osaic Wealth, Inc.

member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, Matthew H. Radintz began his career in financial services in 2005 with J.A. Counter and Associates. In 2009 he joined Mark Devereux when Mark founded Pinnacle Wealth Advisory Group, Inc. For nearly twelve years, Matthew helped grow and operate western Wisconsin's premier boutique financial planning firm.

In late 2020, the negotiations for transitioning the business began, and in March of 2021, Matthew acquired the assets of the firm. Matthew’s passion is educating and assisting individuals as they pursue their own financial and retirement goals. He has worked with advisors and clients in all facets including wealth management, investment accounts, estate planning, charitable giving, life and disability insurance, annuities, and long-term care planning. Matthew holds life, accident, and health insurance licenses, FINRA registrations Series 7 and 63, and is an Investment Advisor Representative of Osaic Wealth, Inc., a full-service broker-dealer. Mr. Radintz is an active volunteer within his community. He serves as the President of the Glenwood City Wrestling Club. His interests are hunting, golfing, motocross, boating, and tending to his hobby farm. Matthew resides in Glenwood City, WI with his wife Angie and their 3 active kids. Osaic Wealth, Inc. is separately owned and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth, Inc., Inc. Securities and Investment Advisory Services offered through Osaic Wealth, Inc., Member FINRA, SIPC, and an SEC Registered Investment Adviser. I am licensed to sell Insurance Products in the following states: WI, MN
I am licensed to sell Securities in the following states: WI, MN, AL, AZ, GA, MT

Wishing all of my family, friends, and amazing clients a Happy Thanksgiving!I’m grateful every day for the trust, suppor...
11/27/2025

Wishing all of my family, friends, and amazing clients a Happy Thanksgiving!

I’m grateful every day for the trust, support, and relationships that make this journey so rewarding. Hope you all enjoy good food, good company, and a well-earned day of rest.

Inside the AI Power Loop: How Big Tech Fuels the AI BoomEver wonder what’s really powering ChatGPT and the broader AI bo...
10/15/2025

Inside the AI Power Loop: How Big Tech Fuels the AI Boom

Ever wonder what’s really powering ChatGPT and the broader AI boom? It’s not just clever code — it’s a massive web of partnerships, investments, and infrastructure deals between the world’s biggest tech players.

OpenAI, the creator of ChatGPT, doesn’t actually own the computers it runs on. Instead, it rents enormous computing power from Microsoft, Oracle, and a fast-growing company called CoreWeave. Microsoft is also OpenAI’s largest investor, pumping in over $10 billion. That gives Microsoft early access to OpenAI’s tech — the same AI now showing up in tools like Word, Excel, and Copilot — and lets them resell it through their Azure cloud.

Underneath all of this sits Nvidia, which builds the specialized GPUs (computer chips) that make AI training possible. Nvidia sells its chips to everyone — Microsoft, Oracle, CoreWeave, and more — and even invests in CoreWeave to ensure steady demand. Meanwhile, AMD, Nvidia’s main rival, is racing to catch up and grab a piece of the action.

In short, the AI world is a closed loop of money, chips, and compute power:
OpenAI rents from Microsoft → Microsoft relies on Nvidia → Nvidia invests in CoreWeave → CoreWeave supplies OpenAI. It’s an ecosystem built on collaboration and competition, all driving one thing — the relentless demand for AI computing.

I just crunched some wild numbers and had to share! If you put $10,000 in the S&P 500 on Jan 1, 2005, with dividends re...
09/25/2025

I just crunched some wild numbers and had to share! If you put $10,000 in the S&P 500 on Jan 1, 2005, with dividends reinvested, you’d have $80,430 today, Sep 25, 2025. But if you tried timing the market and missed just the 20 BEST trading days (out of 5,200), you’d be left with $37,500. That’s less than half! It’s not about timing the market—it’s about time in the market. Stay invested and let it grow!

📖 September is Life Insurance Awareness MonthA few years ago, a young couple sat in my office. They’d just bought their ...
09/14/2025

📖 September is Life Insurance Awareness Month

A few years ago, a young couple sat in my office. They’d just bought their first home, had a baby, and were doing everything “right”—saving for retirement, building careers, and loving life. But when I asked, “If something happened to you tomorrow, how would your family manage?”—there was a long pause.

They realized they had planned for vacations and college funds… but not for the unexpected.

We worked together to create a life insurance plan that would:
❤️ Pay off their mortgage
❤️ Replace income so one parent could stay home
❤️ Cover future education costs for their little one

Now, they sleep easier knowing their family’s future is secure, no matter what.

Life insurance isn’t just about numbers—it’s about love and responsibility. It’s about protecting the people and dreams that mean the most.

If you’ve been meaning to “get around to it,” let this be the sign to start today.

📩 Message us or give us a call. Let’s build peace of mind together.

🔒 Pinnacle Wealth LLC – Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Pinnacle Wealth LLC is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth, Inc.

📉 Tariffs, Tumult & Your Portfolio 📈What Horizon Investments — a leading portfolio management firm — says you need to kn...
04/04/2025

📉 Tariffs, Tumult & Your Portfolio 📈

What Horizon Investments — a leading portfolio management firm — says you need to know (in plain English)

🚨 Big news: New tariffs = a $600B tax hike. That’s massive — and it could shake up the economy and markets. Here's the scoop:

👉 Recession risk? 50/50 for 2025
👉 Inflation? Up short-term, possibly down later
👉 Markets? Volatile now, but full of long-term opportunity

So what should YOU do?

✅ Diversify to avoid concentrated risks
✅ Stay invested – don’t let headlines derail your long-term plan
✅ Use smart risk strategies to protect what you’ve built

🎯 Bottom line: Horizon Investments, a trusted voice in portfolio strategy, sees short-term disruption — but reminds us that staying the course is key.

Need help making sense of it all? Let’s talk. 💬



Read the full report at the link below.

https://www2.horizoninvestments.com/special_report_tarriffs_2025

03/13/2025

Annuities: The Good, The Bad, and The Ugly

Annuities can be a hot topic in retirement planning—some people swear by them, others avoid them like the plague. So, let’s break it down:

✅ The Good:
• Guaranteed Income – Many annuities provide a predictable stream of income for life, which can be a big relief in retirement.
• Tax-Deferred Growth – Your money grows tax-free until you withdraw it, which can help with long-term planning.
• Customization – There are different types (fixed, variable, indexed) that can be tailored to your needs.

⚠️ The Bad:
• High Fees – Some annuities come with steep fees, including mortality and expense charges, rider fees, and surrender charges.
• Complexity – The fine print can be confusing, and not all annuities are created equal. Understanding what you’re buying is critical.
• Limited Growth Potential – Many annuities cap market gains, which means you might miss out on higher returns from traditional investments.

❌ The Ugly:
• Long Lock-Up Periods – If you need your money back early, you could face hefty surrender charges.
• Pushy Sales Tactics – Some financial reps push annuities because they pay high commissions, not necessarily because they’re the best fit for you.
• Inflation Risk – If your payments are fixed, inflation can erode your purchasing power over time.

Bottom line? Annuities aren’t inherently good or bad—it depends on your situation. If you’re considering one, make sure you understand the costs, benefits, and alternatives before signing on the dotted line.

Have questions? Let’s chat! I’m happy to help you navigate your retirement options.

03/10/2025

🎢📈 Investing is like riding a roller coaster—don’t jump off mid-ride!

Markets go up and down, just like a roller coaster. If you panic and try to time the perfect moment to get on or off, you’ll probably miss the best parts.

That’s where Dollar Cost Averaging (DCA) comes in. Instead of guessing when to invest, you put in a set amount regularly—sometimes at market highs, sometimes at lows. Over time, you smooth out the ride and take advantage of the dips instead of fearing them.

The key? Stay buckled in, trust the process, and enjoy the long-term gains. Because history shows that after every drop, the market eventually climbs to new heights! 🎢💰

03/07/2025

When store prices drop, it’s a “steal.” When stock prices drop, it’s “too risky.” Funny how perspectives change. Think like an investor!

🎄✨ Merry Christmas and Happy New Year! ✨🎄To my valued clients, my family, and my friends—thank you for making this year ...
12/25/2024

🎄✨ Merry Christmas and Happy New Year! ✨🎄

To my valued clients, my family, and my friends—thank you for making this year so rewarding. Your trust and partnership mean everything to me, and I am truly grateful to play a role in helping you work toward your financial goals.

As we celebrate the holidays, I wish you joy, peace, and meaningful time with your loved ones. Here’s to a prosperous and successful 2025 for us all!

Warm regards,
Matt

There will always be times of fear and panic in the stock market.Short-term events might seem scary, but you're not inve...
08/06/2024

There will always be times of fear and panic in the stock market.

Short-term events might seem scary, but you're not investing for the short term.

Wishing you all a Merry Christmas!
12/25/2023

Wishing you all a Merry Christmas!

As your life changes, so do your life insurance needs. To help protect your family, you’ll need a plan that offers flexi...
11/14/2023

As your life changes, so do your life insurance needs. To help protect your family, you’ll need a plan that offers flexibility. If you are considering purchasing life insurance and have questions about the various features and benefits of each type, reach out to me and I can help you make the informed decision.

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1970 County Road P
Glenwood City, WI
54013

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Monday 7am - 5pm
Tuesday 7am - 5pm
Wednesday 7am - 5pm
Thursday 7am - 5pm
Friday 7am - 5pm

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