Pinnacle Investment Advisors

Investment decisions are made by the firm's managers, all of whom are CPAs. The firm's website directs inquiries to Brian Mulvihill, who appears to serve as the primary contact and advisor. No separate chief investment officer or investment committee is publicly identified.

The firm holds itself out as a local, relationship-based advisory practice serving individuals and families in Michigan and Florida. It does not market through institutional channels, and its website emphasizes personalized service, trust, and the CPA credential as a mark of professionalism and confidentiality.

It is a traditional registered investment advisor, not a family office. The firm is registered in Michigan, with a secondary registration in Florida. It serves multiple unrelated clients and does not report managing the capital of a single family or discrete wealth origin.

Client assets are held at Charles Schwab, as indicated by the Schwab Login on the firm's site. Millennium Trust is used for alternative asset custody, and Morningstar Portal provides investment analytics. This custodian arrangement is standard for independent RIAs and provides an additional layer of client asset protection.

The firm specializes in investment management, retirement planning, and insurance recommendations. It also advises on income tax, gift and estate tax, trusts, and mortgage issues. The bundled service model — tax planning delivered by the same CPA managing the portfolio — is the firm's primary structural feature.