Dale K Matthew

24/08/2026

Six Figures Isn’t the Finish Line Anymore

What $100,000 Really Means in 2026

For years, earning six figures was considered the ultimate financial milestone.

But the financial landscape has changed.

A recent article in The Quintessential Gentleman points out that, based on purchasing power, you would need approximately $164,000 today to have the same purchasing power that $100,000 provided in 2006. Housing, transportation, food and other everyday expenses have all changed the definition of what it means to be financially comfortable. (The Quintessential Gentleman⁠)

And there’s an important lesson here:

Income is not the same thing as financial security.
You can earn $100,000, $200,000 or more and still feel financially stretched if your income isn’t being converted into assets, protection and long-term wealth.

The New Financial Question
Instead of asking:

“How much do I make?”

Consider asking:

“How much of what I make am I keeping, protecting and building?”

That shift can change the entire financial conversation.

A strong financial strategy should address:

Income protection: What happens if an illness or injury prevents you from working?

Life insurance: Would your family or business be financially secure if your income suddenly disappeared?

Retirement: Are you building enough assets to maintain your lifestyle when your paycheck stops?

Tax efficiency: Are your retirement and investment strategies positioned with taxes in mind?

Asset accumulation: Is your money working toward specific long-term goals?

Business protection: If you own a business, could it continue operating if something happened to you?

Six Figures Should Be a Starting Point, Not the Goal
The goal isn’t simply to earn more money.
The goal is to create financial independence.

That means having the income, protection, savings and assets necessary to give you choices.

At Pinnacle Wealth Group, we believe your financial plan should evolve as your income, family, business and goals evolve.
Because making more money only matters if you have a strategy for what happens next.

Let’s Talk About Your Next Level
If your income has increased but your financial strategy hasn’t kept pace, it may be time for a review.

Let’s look at where you are today and identify opportunities to better protect your income, build wealth and prepare for the future.
Pinnacle Wealth Group LLC

Protect. Accumulate. Retire. Legacy.

Source: The Quintessential Gentleman, “Hitting Six Figures Used to Be the Goal, Here’s Why That’s No Longer Enough,” August 16, 2026. (The Quintessential Gentleman⁠)

04/07/2026

21/06/2026

19/06/2026

Today, we commemorate Juneteenth, a day that marks the end of slavery in the United States and celebrates freedom, resilience, and progress.

At Pinnacle Wealth LLC, we recognize that financial empowerment is an important part of building stronger families, businesses, and communities. As we honor the significance of this day, we remain committed to helping individuals and business owners create opportunities, build wealth, and secure their financial futures.

Let us continue to learn from our history while working together toward a future where opportunity is accessible to all.

Happy Juneteenth.

10/06/2026

Most people buy life insurance for a specific reason.
Protect a family. Cover a mortgage. Fund a buy-sell agreement. Create a legacy.
But life doesn’t stay the same.
Kids grow up. Businesses change. Debt gets paid off. Retirement gets closer.
So, here’s a question worth asking:

Does your policy still serve the purpose it was originally designed for?

At Pinnacle Wealth Group, we regularly review existing policies and often find opportunities to improve efficiency, reduce costs, increase value, or uncover options the policy owner didn’t know existed.
Sometimes the answer is simple: keep it.
Sometimes it needs adjustments.
And sometimes there may be alternatives that provide more value than simply surrendering the policy.
The biggest mistake is assuming a policy purchased 10, 15, or 20 years ago is still the right fit today.
A policy review can provide clarity.

If you haven’t reviewed your life insurance recently, let’s have a conversation.

02/06/2026

The Motivation Trap!

26/05/2026

Death and Tax Planning:

Most people think taxes end when life does.

They don’t.

One of the biggest financial mistakes families and executors make is assuming everything “stops” after someone passes away.

In reality, the final tax return may only be the beginning.

There can still be:
• Final Form 1040 filings
• Estate or trust returns (Form 1041)
• Retirement account distribution issues
• Back taxes or IRS liens
• Inherited asset basis complications
• Executor liability for unpaid taxes

This is where estate planning and financial planning start overlapping in a very real way.

A lot of families focus on transferring assets but overlook the administrative and tax responsibilities that survivors may inherit. That can create unnecessary stress, delays, and costly mistakes during an already difficult time.

The goal isn’t just leaving assets behind. It’s leaving clarity, organization, and a plan.

This is why proactive planning matters.

Worth the read from Forbes:
The final “year of death” 1040 could be just the beginning https://lnkd.in/dyEkbjMd

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This link will take you to a page that’s not on LinkedIn

10/05/2026

To every kind of mom: the foster moms, the step moms, the solo moms, the grieving moms, and every mom in between.

Happy Mother's Day.!

You are seen, you are celebrated, and you are loved. From our Pinnacle Wealth Group family to yours. ❤️

27/04/2026

Most people don’t realize this about life insurance.

Some companies are shareholder-owned.

Others are mutual.

That difference matters.

Mutual companies are owned by policyholders—not Wall Street.

That means a stronger focus on long-term stability, dividends, and client-first decisions.

At Pinnacle Wealth Group, partnered with Ameritas, this structure allows us to position strategies built around long-term value—not quarterly pressure.

Shareholder companies?

They answer to investors.

Mutual companies?

They answer to policyholders.

Neither is “right” or “wrong”—but it tells you where priorities sit.

If you own participating whole life with a mutual company, you’re not just a client… you’re part of the equation.

Most people are never told that.

Book 15 mins if you want to see how this actually applies to your situation:

21/04/2026

There’s a reason Indexed Universal Life keeps coming up more lately.

It’s not hype. It’s usage.

Recent data from LIMRA shows IUL continues to take a meaningful share of new life insurance sales, with demand trending up.

So what’s driving it?

When structured correctly, it can offer
• Permanent protection
• Tax-advantaged growth
• Market-linked upside with downside protection

Here’s where most people get it wrong.

IUL is not a product you just get.
It’s a strategy. Design matters.

Done right, it can be powerful.
Done wrong, it underperforms.

https://www.nerdwallet.com/insurance/life/learn/indexed-universal-life-insurance

If you’re thinking about how this fits into your overall strategy, I’m happy to walk through it with you.