Pinnacle Wealth Management

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.

With inflation fluctuating and talk of shifting interest rates dominating the headlines, it’s completely natural to wond...
06/03/2026

With inflation fluctuating and talk of shifting interest rates dominating the headlines, it’s completely natural to wonder if your portfolio is properly positioned. When market volatility picks up, a mid-year check-in brings objective clarity to the economic noise.

Instead of trying to time the market, we focus on building a durable wealth strategy. Here is how we stress-test your plan for the second half of the year:
• Asset Allocation: Ensuring your portfolio can withstand short-term swings while keeping your long-term family goals secure.
• Inflation Protection: Verifying that ongoing inflation isn't quietly chipping away at your purchasing power.
• Rate Strategies: Evaluating how potential interest rate cuts might impact a future mortgage or financing strategy.

Your financial plan should give you confidence, not stress. Let's make sure your allocations match your current risk tolerance and legacy goals.

Contact our firm to schedule a mid-year consultation with a financial advisor today.

Are you on track with your 2026 tax strategy? June marks the official halfway point of the year and a critical window fo...
06/01/2026

Are you on track with your 2026 tax strategy? June marks the official halfway point of the year and a critical window for your finances, especially with the Q2 estimated tax deadline approaching on June 15.

A mid-year tax check-in prevents an unwelcome surprise next April and gives you six full months to execute strategic moves. Here is what we look at during a summer review:

• Tax Brackets & Withholdings: Projecting your 2026 liabilities to ensure your withholding is accurate.

• Roth Conversions: Determining if converting a traditional IRA to a Roth makes sense for your portfolio right now.

• RMD Pacing: Properly managing Required Minimum Distributions to minimize tax friction.

Taking a proactive look at your income today allows you to adjust retirement contributions, harvest losses, or maximize deductions effectively before the clock runs out. Don't wait until December to think about tax mitigation.

Visit our website to learn more about our mid-year review process or to schedule a check-in with our team.

Now that tax season is in the rearview, May offers a rare moment of breathing room. It is the ideal time to shift focus ...
05/29/2026

Now that tax season is in the rearview, May offers a rare moment of breathing room. It is the ideal time to shift focus from what you paid last year to what you are building for the future.

In 2026, the retirement landscape is shifting. While many focus on a "magic number" (now estimated at an average of $1.46 million for a comfortable lifestyle), true security is about more than just a balance. It is about how that balance interacts with changing tax laws and increased longevity.

This year is particularly noteworthy due to the full implementation of new catch-up contribution rules. For many high earners, these contributions must now be made on a Roth (after-tax) basis. This is more than just a technicality; it is a strategic pivot that changes your current tax picture and your long-term withdrawal strategy.

A retirement plan should not be a static document tucked away in a drawer. It is a living blueprint that needs to be pressure-tested as market conditions and personal goals evolve. Whether you are five years away from retirement or fifteen, a mid-year audit ensures your momentum is still aligned with your vision.

Is your strategy reflecting the current 2026 landscape? Reach out to our team for a brief conversation to ensure your plan remains as resilient as your goals.

Raising a family is one of life’s most meaningful journeys, but in today's world, it is also a significant financial com...
05/27/2026

Raising a family is one of life’s most meaningful journeys, but in today's world, it is also a significant financial commitment. With the cost of raising a child to age 18 now crossing the $300,000 mark and childcare often requiring 20% of a household budget, the pressure to balance the present with the future is a shared experience for many.

At our firm, we view these figures as part of a larger roadmap. Whether you are welcoming a new addition, navigating the school years, or helping the next generation transition into independence, our goal remains the same: ensuring your hard work builds a lasting foundation.

A strategic plan does more than just manage expenses; it provides flexibility. It ensures your own retirement stays on track while creating the stability your family needs to thrive in an evolving economy. No matter what stage of the journey you are in, we are here to help you turn long-term goals into a concrete reality.

Planning for the future shouldn’t take away from the present. By building a strategy that grows with your family, you can stay focused on the moments that matter most, knowing the foundation is secure.

Is your family’s strategy ready for the milestones ahead? Contact our team today to discuss how we can help you protect your legacy.

Memorial Day is a time of profound reflection, a day to honor the men and women who made the ultimate sacrifice in servi...
05/25/2026

Memorial Day is a time of profound reflection, a day to honor the men and women who made the ultimate sacrifice in service to our nation. Their courage and dedication have secured the very foundations upon which we build our lives, our businesses, and our futures.

At our firm, we believe that honoring a legacy means more than just remembering the past; it means being a diligent steward of the future. We extend our deepest gratitude to the families who have carried the weight of this sacrifice with grace and resilience. Your strength is the backbone of the communities we serve, and your peace of mind is our priority.

We remain steadfast in our commitment to supporting the financial well-being of those who have served and their families. Whether it’s navigating complex benefits, planning for a stable retirement, or ensuring a multi-generational legacy, we are here to provide the professional guidance you deserve. Protecting your financial future is one of the highest ways we can honor the security and peace that was so dearly won.

To those who served, to those we lost, and to the families who support them, we thank you. Your service inspires our commitment to excellence every day.

May is the month when "out of office" plans truly begin to take shape. While the focus is often on the destination, a su...
05/21/2026

May is the month when "out of office" plans truly begin to take shape. While the focus is often on the destination, a successful summer requires a bit of foresight, especially with 2026 travel costs, including airfare, trending nearly 15% higher than last year.

For many of our clients, summer travel has become less about simply "getting away" and more about intentional experiences. Whether you are planning a family reunion, a quiet retreat, or an international adventure, the goal is to ensure your time away provides the highest personal value without creating unnecessary financial friction.

As you finalize your summer roadmap, we recommend a few proactive steps to keep your plan on track:

- Review Travel Rewards: Treat your points and miles as a dynamic currency to help offset rising costs. May is the perfect time to audit these assets before summer peak season.

- Verify Protection: If you are traveling abroad or for an extended period, ensure your liability and travel insurance policies are robust enough for your specific itinerary.

- Ensure Continuity: We help you set the structural pieces in place so your portfolio and financial obligations stay secure and seamless while you are off the grid.

Planning for downtime shouldn't be a chore; it’s an investment in your well-being. By handling the logistical details now, you can stay fully present in the moments that matter most.

How are you planning to spend your time this season? Reach out to our firm to ensure your summer strategy is fully aligned with your long-term goals.

Graduation season is a time of immense pride, but it also signals a fundamental shift in a family’s financial ecosystem....
05/19/2026

Graduation season is a time of immense pride, but it also signals a fundamental shift in a family’s financial ecosystem. As the Class of 2026 moves from the classroom to the professional world, the conversation naturally turns from funding an education to building a long-term legacy.

For many families, this year presents a unique opportunity to provide a significant head start. One of the most important shifts in 2026 is the strategic use of unused 529 funds. Under SECURE 2.0 provisions, eligible leftover savings can be rolled over into a Roth IRA for the graduate (subject to lifetime and annual limits). It’s a powerful way to transform tuition savings into a foundation for permanent wealth.

Beyond the technical strategies, this is a moment for mentorship. Helping a new professional navigate their first benefits package, from capturing employer matches to understanding HSA options, is a profound gift that pays dividends for decades. In an era where starting salaries for high-demand majors are reaching new peaks, starting with the right habits is the key to long-term success.

These transitions are exactly why we prioritize comprehensive planning, preparing for the milestones that define your family's future. If you're helping the next generation take their first steps, we are here to support those conversations and ensure their foundation is as strong as their ambition.



Sources
NACE Winter 2026 Salary Survey: https://www.naceweb.org/about-us/press/2026/salaries-expected-to-climb-for-class-of-2026-grads-despite-flat-hiring
IRS.gov (SECURE 2.0 and 529-to-Roth Rollovers): https://www.irs.gov/retirement-plans/plan-sponsor/simple-ira-plan
Savingforcollege.com (529 to Roth IRA: Rollover Rules 2026): https://www.savingforcollege.com/article/roll-over-529-plan-funds-to-a-roth-ira
Empower (529 to Roth IRA Rollover Guide 2026): https://www.empower.com/the-currency/money/529-to-roth-ira-rollover

Beyond the wealth we manage, our priority is protecting your life’s work. This May 15th, we are highlighting a stark rea...
05/15/2026

Beyond the wealth we manage, our priority is protecting your life’s work. This May 15th, we are highlighting a stark reality: financial crime targeting seniors is evolving rapidly.

In the latest FBI reports, losses for Americans over age 60 reached a staggering $7.7 billion, a 37% jump in just one year. Today’s threats include sophisticated AI voice-cloning technology that mimics loved ones with terrifying accuracy. It takes only three seconds of audio for a scammer to clone a voice.

To defend against 2026 tactics, we recommend these safeguards:

- The "Take a Beat" Rule: Scammers thrive on manufactured panic. If a call demands immediate payment or secrecy, pause. Real institutions will always allow you to hang up and verify.

- Family Code Words: Establish a secret phrase with your family. This is the most effective way to verify an identity during a suspected AI-cloned "emergency" call.

- Appoint a Trusted Contact: Ensure your accounts have a designated advocate we can reach out to if unusual activity is detected.

Your legacy belongs to you, not a predator. Let’s keep your security unshakeable.

𝗖𝗼𝗻𝘁𝗮𝗰𝘁 𝘂𝘀 𝘁𝗼 𝗿𝗲𝘃𝗶𝗲𝘄 𝘆𝗼𝘂𝗿 𝘀𝗲𝗰𝘂𝗿𝗶𝘁𝘆 𝘀𝗲𝘁𝘁𝗶𝗻𝗴𝘀 𝗼𝗿 𝘀𝗲𝘁 𝘂𝗽 𝗮 𝘁𝗿𝘂𝘀𝘁𝗲𝗱 𝗰𝗼𝗻𝘁𝗮𝗰𝘁 𝘁𝗼𝗱𝗮𝘆.

Financial success is rarely an accident; it is the result of a deliberate foundation. Navigating a complex market requir...
05/12/2026

Financial success is rarely an accident; it is the result of a deliberate foundation. Navigating a complex market requires more than just hard work, it requires a clear strategy.

Despite the importance of a plan, recent data shows that only about 35% of individuals have a formal, written financial roadmap in place. In an era of constant "financial noise," having a documented structure is a massive advantage. It ensures your short-term decisions stay aligned with your long-term vision, providing the stability needed to weather any economic cycle.

A strategic plan isn't a static document; it’s a dynamic blueprint that allows you to pivot with confidence as life changes. Whether you are scaling a business, managing a family estate, or preparing for a new chapter, a solid foundation is what turns temporary momentum into permanent security.

Let’s ensure your financial roadmap is as strong as the future you’re building.
Contact our firm today to schedule a strategy review and strengthen your plan for the years ahead.

Today, we pause to celebrate the incredible women who shape our lives with their love, strength, and guidance. Whether b...
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.

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

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