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Pinnacle Wealth Management

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Warwick, RI
Pinnacle Wealth Management

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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.

11/01/2026

An extra hour in your day might not seem like much, but it could be just enough time to give your finances some attention.

Daylight Saving Time ends Sunday, November 1, as clocks fall back one hour in most of the country. While you're adjusting to the time change, consider checking in on a few areas of your financial life.

𝗬𝗼𝘂𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗴𝗼𝗮𝗹𝘀: Have your priorities shifted since the beginning of the year? Consider whether your current plan still reflects what you're working toward.

𝗬𝗼𝘂𝗿 𝘀𝗽𝗲𝗻𝗱𝗶𝗻𝗴 𝗵𝗮𝗯𝗶𝘁𝘀: With the holidays approaching, now is a good time to revisit your budget and prepare for upcoming expenses.

𝗬𝗼𝘂𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝘀𝗮𝘃𝗶𝗻𝗴𝘀: Review your contributions and consider whether any adjustments make sense before the year ends.

The final months of the year offer a valuable opportunity to address financial details that can easily get overlooked during a busy season.

Looking for guidance as you head into 2027? Connect with our team to review your financial strategy and discuss your next steps.

11/01/2026

Halloween is meant for fictional scares. Unanswered financial questions have a way of feeling more intimidating the longer they are ignored.

Maybe an old beneficiary designation needs attention. Perhaps your insurance coverage no longer reflects your life, retirement accounts have become scattered, or an important year-end decision is still waiting to be addressed.

A financial plan cannot make every uncertainty disappear, but it can help you identify potential risks, organize your priorities, and determine which steps deserve attention first.

As October comes to a close, choose one financial loose end you would like to resolve before the end of the year.

Our team can help you bring those lingering questions into the light. Contact us to schedule a year-end financial review.

Wishing you and your family a safe and happy Halloween!

10/26/2026

Choosing a financial advisor involves more than comparing firms or reviewing investment options. It means understanding how the relationship works and whether the advisor’s approach aligns with your needs.

For our firm, independence supports a more personal and flexible planning experience. We begin with the client’s goals, priorities, and complete financial picture before evaluating the strategies and resources that may be appropriate.

Independence, however, should never replace transparency. Before working with any financial professional, consider asking:

• How are you compensated?
• Which planning and investment services are included?
• What fees or potential conflicts should I understand?
• Who will hold my assets?
• How often will my plan be reviewed and updated?

A strong advisory relationship is built on clear expectations, open communication, and a planning process that evolves with your life.

We welcome these questions. If you would like to learn more about our independent approach and how we work with clients, contact our team to start a conversation.

10/25/2026

Retirement planning involves more than reaching a savings goal. Your investments, income sources, taxes, healthcare needs, insurance coverage, and estate plan all play a role in shaping how retirement may look.

The challenge is making sure those decisions work together.

A comprehensive retirement review can help you:

• Translate your goals into a realistic income strategy
• Evaluate whether your investment approach reflects your timeline and risk tolerance
• Consider how withdrawals from different accounts may affect taxes
• Prepare for healthcare costs and other unexpected expenses
• Adjust the plan as your life, priorities, and financial circumstances change

Financial advisors cannot remove every uncertainty, but they can help you evaluate tradeoffs, test assumptions, and make decisions with a clearer understanding of the potential impact. When appropriate, they can also coordinate with your tax, legal, and insurance professionals.

If you are unsure whether the pieces of your retirement plan are working together, our team is here to help. Contact us to schedule a retirement strategy review.

10/24/2026

One of the greatest advantages in retirement planning is time. Beginning earlier gives your contributions more opportunities to benefit from potential compounding and can provide a longer period to navigate changes in the market.

However, a longer timeline does not automatically mean taking more investment risk. Your strategy should also reflect:

• Your comfort with market fluctuations
• Your ability to absorb potential losses
• The purpose of the money you are investing
• Your income, obligations, and other financial goals
• The amount of time remaining before withdrawals may begin

Starting early can provide greater flexibility, but starting later does not mean it is too late to make meaningful progress. The appropriate approach may involve adjusting your savings rate, retirement timeline, or investment strategy based on your circumstances.

Whether you are making your first contribution or reviewing an established portfolio, our team can help you build a retirement strategy aligned with your goals, timeline, and risk tolerance. Contact us to start the conversation.

10/23/2026

An employer match can be a meaningful part of your retirement savings strategy, but the percentage advertised by your company may not tell the full story.

Workplace retirement plans can differ in several important ways:

• The amount you must contribute to receive the full available match
• Whether matching contributions are calculated each paycheck or annually
• Whether the plan offers a year-end true-up contribution
• How long you must remain with the company to become fully vested

These details matter. Changing your contribution rate, reaching the annual limit early, or leaving an employer before becoming vested could affect the amount you ultimately receive.

Review your plan documents or benefits portal to confirm how the matching formula works and whether your current contribution rate qualifies for the full available benefit.

Our team can help you understand how your workplace retirement plan fits alongside your other accounts and long-term goals. Reach out to schedule a retirement strategy review.

10/22/2026

Turning 50 can open additional opportunities to strengthen your retirement savings. For 2026, the IRS increased several contribution limits:

• The employee contribution limit for most 401(k), 403(b), governmental 457 plans, and the Thrift Savings Plan is $24,500.
• Participants age 50 and older may contribute an additional $8,000, bringing the potential total to $32,500.
• Eligible participants ages 60 through 63 may qualify for a higher catch-up contribution of $11,250, bringing the potential total to $35,750.
• The IRA contribution limit is $7,500, with an additional $1,100 catch-up contribution for those age 50 and older.

Higher limits create more saving capacity, but contributing the maximum may not be appropriate for every situation. Cash flow, taxes, debt, upcoming expenses, and retirement timing should all be considered.

If you are 50 or older, our team can help you review how catch-up contributions may fit into your broader retirement strategy. Reach out to start a conversation.

10/21/2026

Consistency can be one of the most valuable habits in retirement planning. Automating contributions helps make saving part of your regular financial routine, rather than another task competing for your attention.

Depending on the accounts available to you, this may include payroll contributions to a workplace retirement plan or scheduled transfers into an IRA.

Consider whether your current strategy includes:

• Contributing enough to receive the full employer match, when available
• Gradually increasing your contribution rate as your income grows
• Coordinating retirement savings with cash reserves, debt, and other financial priorities
• Reviewing your account elections and investment allocation regularly

Automation can help keep your progress consistent, but it should not mean leaving your plan untouched. Contribution amounts, account types, and investment choices may need to change as your income, goals, and retirement timeline evolve.

Our team can help you review how your current contributions fit into your broader retirement strategy. Reach out to start a conversation about the next steps for your plan.

10/20/2026

“How much do I need to retire?” sounds like one question, but it is really several.

When might you retire? What spending is essential, and what is flexible? Which income sources are predictable? How could inflation, taxes, healthcare costs, or a longer life change the picture?

That is why a useful retirement projection is usually a range of outcomes, not a single magic number. Testing different scenarios can reveal where the plan has flexibility and where a small adjustment today may matter later.

Ask to see what happens to your plan when one key assumption changes. The answer may be more useful than the original projection.

10/19/2026

Retirement readiness is more than reaching a target balance.

A durable plan connects four moving parts:
• Savings: what you contribute and where
• Income: how paychecks may be replaced
• Taxes: when different accounts are accessed
• Risk: how markets, inflation, healthcare, and longevity could affect the plan

One strong area cannot always compensate for a weak one. A large portfolio, for example, may still create uncertainty if there is no clear income or withdrawal strategy.

During National Retirement Security Month, look at how the pieces work together and identify the one assumption most worth testing.

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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