# Pinnacle Pension Consultants

Pinnacle Pension Consultants is a Bank / Wealth / Trust based in Needham, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Needham, United States
- **Region:** North America
- **Address:** Needham, MA, United States
- **Founded:** 2005
- **Assets under management:** Undisclosed
- **Website:** pinnaclepensionconsultants.com
- **LinkedIn:** https://www.linkedin.com/company/pinnacle-pension-consultants-llc

## Regulatory record

- **CRD number:** 133442
- **SEC file number:** 801-68286
- **Registration status:** Registered
- **Latest Form ADV filing:** 2026-03-05
- **Reports private funds:** No

## About

Pinnacle Pension Consultants was founded in Needham, Massachusetts in 2005 by Greg Lewis. The firm operates exclusively as a retirement plan specialist, advising plan sponsors on qualified plans, 403(b) arrangements, and ERISA compliance. Its client base spans individuals, high-net-worth families, pension plans, charitable organizations, and corporations. The firm’s investment consulting centers on Investment Policy Statement development and ongoing provider benchmarking. Pinnacle runs formal RFPs to compare fees and services, monitors vendor relationships, and designs participant education programs intended to improve employee savings behavior. Its service model covers plan design, fiduciary review, legacy plan migration, and participant-level guidance. All engagements are backed by a written fiduciary commitment. While Pinnacle does not disclose assets under advisement, its scale is that of a boutique advisory practice. Greg Lewis leads the firm from its sole office in Needham. The firm operates as a registered investment adviser, and its narrow mandate — retirement-plan consulting — serves as its structural differentiator in a market where many RIAs layer retirement work on top of broader wealth management. Pinnacle's structural distinction lies in its refusal to dilute focus. Unlike most RIAs that offer retirement plan services as one revenue stream among many, Pinnacle dedicates its entire advisory practice to qualified plans and ERISA-governed accounts. This single-vertical posture means plan sponsors engage a firm whose compliance infrastructure, provider relationships, and educational content are built solely for retirement outcomes.

## Sectors

- Retirement Services

## People

- Greg Lewis — Contact

## Questions

### Who runs investment decisions at Pinnacle Pension Consultants?

Greg Lewis is the principal contact listed on the firm's website. The firm operates as a boutique advisory, with no additional named investment committee members disclosed publicly. Pinnacle's investment consulting centers on plan-level governance — IPS maintenance, fund selection, and monitoring — rather than discretionary portfolio management.

### What is Pinnacle's fiduciary posture?

Pinnacle puts its ERISA fiduciary status in writing for all clients. The firm states explicitly that it is judged on process under ERISA but emphasizes participant outcomes alongside procedural prudence. Its client agreements and investment policy statement work are structured around section 3(21) or 3(38) fiduciary roles depending on the engagement.

### Does Pinnacle manage assets directly or operate as a consultant?

Pinnacle operates primarily as a retirement plan consultant and registered investment adviser. Its services include investment policy development, provider benchmarking, vendor monitoring, participant education, and ERISA consulting — rather than running proprietary funds or managing discretionary separate accounts.

### What types of retirement plans does Pinnacle advise?

Pinnacle advises qualified plans such as 401(k) and profit-sharing plans, as well as 403(b) plans for non-profit and educational organizations. The firm also handles legacy plan consolidation, annuity contract reviews, and insurance contract analysis within 403(b) arrangements.

### Which clients does Pinnacle serve?

According to the firm's regulatory disclosures, Pinnacle advises individuals, high-net-worth individuals, pension plans, charitable organizations, and corporations. Its client-facing materials emphasize plan sponsors and participants as the core constituencies.

## Related profiles

- [Pinnacle Peak Private Client Group](https://altss.com/profile/pinnacle-peak-private-client-group)
- [Pinnacle Portfolio Advisors](https://altss.com/profile/pinnacle-portfolio-advisors)

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Updated: 2026-10-23T13:38:53Z

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