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Pinnacle Wealth Management

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Pinnacle Wealth Management

Registration as an investment adviser does not imply a certain level of skill or training. Investments are a means to an end.

Investment advice offered through Pinnacle Wealth Management, a doing business name for Gladstone Institutional Advisory LLC, an SEC registered investment adviser. Pinnacle Wealth Management "Ray Gutowski" comes from the culmination of my entire career in investments/wealth management and, more importantly, my dedication over the past 13 years to helping individuals and families achieve their very

individual dreams. Money and investments are an extension of what we want for ourselves and our families, as well as the impact we can have on everyone around us.

05/10/2026

Today, we pause to celebrate the incredible women who shape our lives with their love, strength, and guidance. Whether by blood, by choice, or by spirit, the influence of a mother is the foundation upon which so many of our lives are built.

We want to extend a sincere thank you to all the mothers and mother figures in our community:

- 𝗧𝗼 𝘁𝗵𝗲 𝗳𝗶𝗿𝘀𝘁-𝘁𝗶𝗺𝗲 𝗺𝗼𝗺𝘀 navigating a world of new beginnings.
- 𝗧𝗼 𝘁𝗵𝗲 𝗴𝗿𝗮𝗻𝗱𝗺𝗼𝘁𝗵𝗲𝗿𝘀 who carry the wisdom and traditions of generations.
- 𝗧𝗼 𝘁𝗵𝗲 𝘀𝘁𝗲𝗽𝗺𝗼𝗺𝘀 and bonus moms who choose to love and support with open hearts.
- 𝗧𝗼 𝘁𝗵𝗲 𝗳𝗼𝘀𝘁𝗲𝗿 𝗺𝗼𝗺𝘀 and mother figures who provide a safe haven and guidance when it’s needed most.
- 𝗧𝗼 𝘁𝗵𝗲 𝗺𝗲𝗻𝘁𝗼𝗿𝘀 and role models who nurture growth and inspire confidence.

Motherhood isn’t defined by a single role, but by a thousand quiet acts of resilience and devotion. Your dedication does more than just support a household; it inspires the communities we serve and helps define the future we all share.

Thank you for everything you do, seen and unseen. We hope your day is filled with the same warmth and joy you bring to others every day.

05/06/2026

As we move into May, we often receive questions from friends and colleagues of our clients asking: "How do I know if my current financial path is still the right one?"

It is a fair question. The world has changed significantly over the last few years, and a strategy that was successful in the past may not be fully optimized for the landscape of 2026.

Sometimes, the most valuable thing a professional can provide is simply a second opinion. A fresh look at your roadmap can offer the clarity needed to stay the course or the insight to make a necessary pivot. It is not about changing for the sake of change; it is about ensuring your plan remains as ambitious as your goals and as resilient as the times require.

If you or someone you care about has questions about their current strategy, we are always here to help. We believe that everyone deserves the confidence and peace of mind that comes with a clear, professional perspective.

Have a question about your current direction? Let’s start a conversation and ensure your roadmap is ready for what is next.

05/04/2026

Small businesses are the heartbeat of our economy.

As we celebrate National Small Business Month this May, the numbers tell a powerful story. In 2026, small firms represent 99.9% of all U.S. businesses and employ nearly 46% of the private workforce. Despite shifting markets, 70% of owners expect growth this year.

However, scaling brings complexity. Many owners are currently navigating the 2026 rollout of SECURE 2.0 provisions. This includes the new "super catch-up" limits for owners aged 60–63 and tax credits, up to $1,000 per employee, for businesses contributing to staff retirement plans.

Whether you’re a solo founder or managing a team, your financial strategy should be as ambitious as your goals. From optimizing tax strategies to securing your personal retirement, we help manage the nuances of success. You’ve built something incredible. Let’s ensure the foundation is strong enough for what’s next.

𝗖𝗼𝗻𝘁𝗮𝗰𝘁 𝗼𝘂𝗿 𝗳𝗶𝗿𝗺 𝘁𝗼𝗱𝗮𝘆 𝘁𝗼 𝘀𝗰𝗵𝗲𝗱𝘂𝗹𝗲 𝗮 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗵𝗲𝗮𝗹𝘁𝗵 𝗰𝗵𝗲𝗰𝗸-𝘂𝗽.

Sources:
https://advocacy.sba.gov/2026/02/03/advocacy-releases-frequently-asked-questions-about-small-businesses-2026/

https://www.thesmallbusinessexpo.com/blog/small-business-outlook-for-2026-will-growth-and-stability-continue-this-year/

https://www.adp.com/resources/articles-and-insights/articles/s/secure-2-tax-credits-401k.aspx

https://www.quarles.com/newsroom/publications/secure-2-0-act-retirement-plan-update-roth-catch-up-contributions-in-2026

04/28/2026

𝗜𝗳 𝘆𝗼𝘂 𝗵𝗮𝘃𝗲 𝗮 𝗙𝗹𝗲𝘅𝗶𝗯𝗹𝗲 𝗦𝗽𝗲𝗻𝗱𝗶𝗻𝗴 𝗔𝗰𝗰𝗼𝘂𝗻𝘁, 𝘁𝗵𝗲 𝗲𝗻𝗱 𝗼𝗳 𝗔𝗽𝗿𝗶𝗹 𝗺𝗮𝘆 𝗯𝗲 𝗮𝗻 𝗶𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁 𝗱𝗲𝗮𝗱𝗹𝗶𝗻𝗲 𝘁𝗼 𝘄𝗮𝘁𝗰𝗵.

For some plans, April 30, 2026 is the last day to submit claims for eligible expenses from the 2025 plan year. This is often called the run-out period, which is the extra time you have to request reimbursement after the plan year ends.

That matters because FSA funds are generally still subject to a use-it-or-lose-it rule, though some employers may offer a carryover or grace period instead. The exact deadline depends on your plan.

𝗜𝗳 𝘁𝗵𝗶𝘀 𝗮𝗽𝗽𝗹𝗶𝗲𝘀 𝘁𝗼 𝘆𝗼𝘂, 𝗻𝗼𝘄 𝗶𝘀 𝗮 𝗴𝗼𝗼𝗱 𝘁𝗶𝗺𝗲 𝘁𝗼:
• review unpaid medical, dental, or vision expenses from 2025
• gather receipts and required documentation
• confirm your reimbursement deadline with your benefits provider

Deadlines like this are easy to miss, but they can have a real financial impact. If you still have FSA dollars from last year, make sure you understand your plan rules before the month ends.

04/24/2026

𝗔 𝗳𝗲𝘄 𝗽𝗿𝗮𝗰𝘁𝗶𝗰𝗮𝗹 𝗮𝗿𝗲𝗮𝘀 𝘄𝗼𝗿𝘁𝗵 𝗽𝗮𝘆𝗶𝗻𝗴 𝗮𝘁𝘁𝗲𝗻𝘁𝗶𝗼𝗻 𝘁𝗼:
• Know where your money is going each month
• Build a spending plan you can realistically maintain
• Set aside money for unexpected expenses
• Be thoughtful about how and when you take on debt
• Start preparing early for future financial goals

These are not complicated ideas, but they can have a lasting impact. Over time, habits like these can help create more confidence, more stability, and a stronger sense of control over your financial life.

Sometimes the most meaningful progress comes from getting the basics right and staying consistent with them. As Financial Literacy Month continues, it is a great reminder to check in on the habits that support your bigger goals.

Source:
https://www.nasfaa.org/10_tips_for_financial_literacy_month

04/22/2026

Social Security is one of the few retirement decisions that can permanently affect your income, which is why it deserves thoughtful planning.

For many people, Social Security is not just a monthly benefit. It is an important part of building reliable income in retirement. When you choose to claim can affect how much you receive for the rest of your life.

You can start receiving benefits as early as age 62, but claiming before full retirement age usually reduces your monthly benefit. Waiting longer can increase it, up to age 70. That is why the decision should be looked at in the context of your full financial picture.

Social Security planning also connects to other important questions, like when you want to retire, how much income you will need, and which assets you plan to rely on first.

During National Social Security Month, it is worth taking a closer look at how this benefit fits into your retirement strategy. If you have not reviewed your options yet, this is a meaningful place to start with your advisor.

04/20/2026

April is a good time to revisit your retirement strategy, especially if you are getting closer to retirement.

For some higher-income workers age 50 and older, catch-up contributions to a workplace retirement plan may now need to go into a Roth account instead of a traditional pre-tax account.

In simple terms, that means you may pay taxes on that money now instead of later in retirement.

That may not sound ideal at first, but it can still offer benefits. Roth contributions grow tax-free, and qualified withdrawals in retirement are also tax-free. For some investors, that can create more flexibility later on.

This is a helpful reminder that retirement planning is not just about saving more. It is also about understanding how your savings are taxed and making sure your strategy still fits your goals.

As spring moves forward, this is a smart time to check in with your advisor and make sure your retirement contributions are working in your favor.

04/15/2026

Today is the tax deadline. For most taxpayers, April 15, 2026 is the deadline to file a 2025 federal return and pay any taxes owed. An extension gives you more time to file, but not more time to pay.

If you have already filed, today can still be a useful financial checkpoint. Tax season often highlights opportunities to review withholding, organize documents, revisit deductions, and make sure your broader financial plan still reflects your current goals.

If you have not filed yet, the most important step is to act promptly. Filing on time, or requesting an extension if needed, can help reduce unnecessary penalties and keep you in a better position moving forward.

Tax deadlines are not just about paperwork. They are also a reminder to stay proactive and make sure your tax strategy fits into the bigger picture of your financial life.

04/13/2026

𝟮𝟬𝟮𝟲 𝘁𝗮𝘅 𝗹𝗮𝘄 𝘂𝗽𝗱𝗮𝘁𝗲𝘀 𝗺𝗮𝘆 𝗰𝗿𝗲𝗮𝘁𝗲 𝗻𝗲𝘄 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗼𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝗶𝗲𝘀, 𝗲𝘀𝗽𝗲𝗰𝗶𝗮𝗹𝗹𝘆 𝗳𝗼𝗿 𝗳𝗮𝗺𝗶𝗹𝗶𝗲𝘀 𝘁𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝘁𝗮𝘅𝗲𝘀, 𝗴𝗶𝗳𝘁𝗶𝗻𝗴, 𝗮𝗻𝗱 𝗹𝗼𝗻𝗴-𝘁𝗲𝗿𝗺 𝗹𝗲𝗴𝗮𝗰𝘆 𝗴𝗼𝗮𝗹𝘀.

Under the One Big Beautiful Bill Act, the standard deduction for married couples filing jointly increases to $32,200 in 2026, which may make itemizing less beneficial for some households. That can affect how you think about deductions, charitable giving, and overall tax strategy.

The law also raises the federal estate and gift tax exemption to $15 million per person in 2026. For high-net-worth families, that may create more flexibility around wealth transfer, gifting strategies, and estate planning conversations.

Even when changes sound favorable, they are still worth reviewing in context. A larger deduction or exemption does not automatically mean your current strategy is still the best fit. It may simply be a good time to revisit your plan and make sure it still aligns with your goals.

If you have not reviewed your tax and estate planning strategy recently, this is a smart time to check in with your advisor.

04/10/2026

Graduation season is here, bringing with it a natural moment to reflect on achievement, opportunity, and the legacy we hope to create for the next generation.

For some families, that reflection leads to a larger question: how can educational success be honored in a way that creates lasting impact? One meaningful answer may be a scholarship fund.

A scholarship can do more than provide financial support. It can reflect family values, celebrate a loved one’s legacy, and open doors for students whose futures may be shaped by that opportunity. When approached thoughtfully, it becomes a form of giving that is both deeply personal and enduring.

Of course, establishing a scholarship fund requires careful planning. Defining its purpose, determining how it will be funded, deciding who it is intended to serve, and choosing the right structure are all important considerations.

As graduation season highlights the value of education, it also offers a meaningful opportunity to think about how philanthropy can align with your broader legacy goals. If creating a scholarship fund is something you have been considering, this may be the right time to start the conversation.

04/09/2026

The tax deadline is getting close, and waiting until the last minute can make an already stressful process even more complicated.

For most taxpayers, April 15, 2026 is the deadline to file a 2025 federal return and pay any taxes owed. If you need more time to file, you can request an extension, but that does not extend the time to pay. Any tax due is still generally owed by the April deadline.

This is also a good time to look beyond filing alone. Tax season can be a valuable checkpoint for reviewing withholding, identifying missed planning opportunities, organizing important documents, and making sure your broader financial strategy still aligns with your goals.

If your income changed, you sold investments, own a business, or simply have not revisited your tax picture in a while, now is a smart time to do so. A proactive conversation today can help reduce surprises later and create more clarity moving forward.

If you have questions ahead of the deadline or want to make sure your tax planning fits into your larger financial picture, reach out to your advisor.

Address

931 Jefferson Boulevard, Suite 1000
Warwick, RI
02886

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+14013699505

Website

https://pinnaclewealthmanagementri.com/

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