Dale K Matthew

Dale K Matthew Helping business owners and high-performing professionals make clear, confident financial decisions.

To every kind of mom: the foster moms, the step moms, the solo moms, the grieving moms, and every mom in between.Happy M...
05/10/2026

To every kind of mom: the foster moms, the step moms, the solo moms, the grieving moms, and every mom in between.

Happy Mother's Day.!

You are seen, you are celebrated, and you are loved. From our Pinnacle Wealth Group family to yours. ❤️

Most people don’t realize this about life insurance.Some companies are shareholder-owned.Others are mutual.That differen...
04/27/2026

Most people don’t realize this about life insurance.

Some companies are shareholder-owned.

Others are mutual.

That difference matters.

Mutual companies are owned by policyholders—not Wall Street.

That means a stronger focus on long-term stability, dividends, and client-first decisions.

At Pinnacle Wealth Group, partnered with Ameritas, this structure allows us to position strategies built around long-term value—not quarterly pressure.

Shareholder companies?

They answer to investors.

Mutual companies?

They answer to policyholders.

Neither is “right” or “wrong”—but it tells you where priorities sit.

If you own participating whole life with a mutual company, you’re not just a client… you’re part of the equation.

Most people are never told that.

Book 15 mins if you want to see how this actually applies to your situation:

There’s a reason Indexed Universal Life keeps coming up more lately.It’s not hype. It’s usage.Recent data from LIMRA sho...
04/21/2026

There’s a reason Indexed Universal Life keeps coming up more lately.

It’s not hype. It’s usage.

Recent data from LIMRA shows IUL continues to take a meaningful share of new life insurance sales, with demand trending up.

So what’s driving it?

When structured correctly, it can offer
• Permanent protection
• Tax-advantaged growth
• Market-linked upside with downside protection

Here’s where most people get it wrong.

IUL is not a product you just get.
It’s a strategy. Design matters.

Done right, it can be powerful.
Done wrong, it underperforms.

https://www.nerdwallet.com/insurance/life/learn/indexed-universal-life-insurance

If you’re thinking about how this fits into your overall strategy, I’m happy to walk through it with you.

Real Estate Agents: A Simple Way to Add More Value for Your BuyersOne question many homebuyers ask after closing is: “Wh...
04/20/2026

Real Estate Agents: A Simple Way to Add More Value for Your Buyers
One question many homebuyers ask after closing is: “What happens to the house if something happens to me?”
That’s where I help.
At Pinnacle Wealth Group, I work with homeowners to put mortgage protection coverage in place so their family can keep the home if the unexpected happens. One solution we often use is Ameritas Instant Term, which offers a streamlined underwriting process and fast decisions for many qualified applicants.
For your clients, that can mean:
🏡 Protection that helps cover the mortgage
⚡ Faster approvals compared to traditional underwriting
💡 Access to policies that may include living benefit options
For realtors, it means having a trusted resource you can refer your buyers to after closing so they understand their protection options.
My goal is simple:
• Support your clients after the transaction
• Help families protect the home they worked so hard to buy
• Build long-term referral partnerships with real estate professionals
If you’re a realtor who wants a reliable mortgage protection resource for your buyers, let’s connect.
Message me or comment below and I’d be happy to share how we can support your clients.
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Monday reminder:Wake up. Smile. And remind yourself — today is your day.Opportunity is everywhere… but the right environ...
04/20/2026

Monday reminder:

Wake up. Smile. And remind yourself — today is your day.

Opportunity is everywhere… but the right environment makes all the difference.
At Pinnacle Wealth Group, we’re building with professionals who want more — more impact, more growth, and more control over their future.

If you’re a financial professional quietly thinking about your next chapter, my door is always open for a conversation.

Let’s make it a great week.

April is Financial Literacy Month.But here’s the truth most people won’t say:Financial literacy isn’t about knowing more...
04/13/2026

April is Financial Literacy Month.

But here’s the truth most people won’t say:

Financial literacy isn’t about knowing more…
It’s about doing more with what you already know.

Most people understand the basics:
• Spend less than you earn
• Save consistently
• Invest for the long term

Yet very few actually execute.

Why?

Because real life gets in the way—expenses, emotions, distractions.

So instead of chasing more information this month, try this:

Pick ONE financial habit and commit to it for 30 days.

Automate your savings.
Review your accounts weekly.
Have the conversation you’ve been avoiding.

Simple actions. Real impact.

Financial literacy isn’t built in a day—
It’s built in discipline.

If you’re serious about leveling up this month, let’s connect.

🚨 Attention Financial Advisors 🚨Are you working hard to grow a book of business that doesn't fully belong to you? It may...
04/10/2026

🚨 Attention Financial Advisors 🚨
Are you working hard to grow a book of business that doesn't fully belong to you? It may be time for a change.
Pinnacle Wealth Group is actively recruiting experienced advisors who are ready to take ownership of their practice and their future. We offer true independence, competitive compensation, a robust platform, and leadership that's genuinely invested in your success.
If you or someone you know is ready to make a move, reach out to Dale K. Matthew directly at [email protected]. Let's have a conversation.
Pinnacle Wealth Group LLC | Registered Investment Advisor

Most people set up their 401(k)… and then leave it alone.It’s easy. It’s automatic. And it feels like you’re doing the r...
04/09/2026

Most people set up their 401(k)… and then leave it alone.

It’s easy. It’s automatic. And it feels like you’re doing the right thing.

But that approach can cost you.

The real impact doesn’t come from setting it up once—it comes from revisiting it with intention.

Small adjustments matter:
• Increasing your contribution over time
• Reallocating based on where you are today
• Coordinating your 401(k) with the rest of your financial picture

Individually, these decisions seem minor.

Over time, they compound into something meaningful.

At Pinnacle Wealth Group, this is where we focus.

Not just helping you save—but helping you make smarter decisions along the way.

Because the difference isn’t just in what you invest.

It’s in how often you step back and adjust.

Most “money rules” don’t work for most people.You’ve seen the lists—save this %, invest that %, do everything perfectly....
04/06/2026

Most “money rules” don’t work for most people.

You’ve seen the lists—save this %, invest that %, do everything perfectly. But real life doesn’t work like that.

Money advice often sounds simple.
But it’s not always realistic.

“Save 30% of your income.”
“Have 1 year of expenses saved.”
“Never spend on luxury.”

Sounds great—until real life hits.
Rent. Bills. Family. Unexpected costs.

Here’s a more practical way to approach it:

- Build your emergency fund step by step
Start with one month, then build from there

- Save what you can, not what sounds good online
Even 5–10% is a strong start

- Avoid unnecessary debt
Plan for big purchases instead of reacting to them

- Spend on what actually matters to you
Health, growth, and time with people

- Buy quality over quantity
Cheap often costs more in the long run

- Be intentional about who you work with
It impacts both your income and your peace of mind

- Make time for life, not just money
Money is a tool—not the goal

The best rule?

Make your own.

If you want to build a plan that actually fits your life—not a generic formula—I’m here as a resource.

Today is a reminder that some of the most powerful things in life start quietly.Renewal.Hope.Second chances.Not everythi...
04/05/2026

Today is a reminder that some of the most powerful things in life start quietly.

Renewal.
Hope.
Second chances.

Not everything needs to be forced or perfectly timed.

Sometimes the door is already open—
we just need the courage (or faith) to walk through it.

Grateful for growth, for perspective, and for the people around me.

Happy Easter.

Most people have a clear vision for retirement.🏖️ A beach✈️ More travel👨‍👩‍👧‍👦 Time with family⏰ No alarm clocksBut when...
03/16/2026

Most people have a clear vision for retirement.

🏖️ A beach
✈️ More travel
👨‍👩‍👧‍👦 Time with family
⏰ No alarm clocks

But when I ask the follow-up question, things usually get quiet:

“What’s the actual plan to make that happen?”

Retirement today can last 25–30 years or more. That means the strategy matters just as much as the dream.

The good news is it’s never too early—or too late—to start building a plan designed for reliable income, flexibility, and long-term security.

If you’ve been thinking about retirement but haven’t stress-tested the plan recently, it may be worth a conversation.

Address

San Fransisco, CA

Telephone

+14152384014

Website

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