Pinnacle Wealth

08/07/2026

Retirement spending can be harder to plan for than many people expect.

Fixed expenses are usually easy to list. The harder part is accounting for the discretionary spending, one-time purchases, and lifestyle changes that can add up once retirement begins.

A stronger spending plan starts with more realistic assumptions: https://ow.ly/Fl9b50Zctcn

08/06/2026

The Federal Reserve left interest rates unchanged and struck a more dovish tone.

The bond market told a different story.

Short-term yields fell, while longer-term yields surged and the 30-year Treasury reached its highest level since 2007. That split may reflect concerns about inflation now and the possibility of a tougher Fed response later.

See why the bond market may be challenging the Fed’s message: https://ow.ly/CspG50ZwCJk

08/06/2026

A strong financial plan should not feel like a stack of separate decisions.

Your investments, income needs, tax picture, and long-term goals all affect each other.

The 3-Lane Highway Approach looks at how those pieces work together, so your plan feels more connected to the life you’re actually building: https://ow.ly/hM4H50ZfXjz

08/06/2026

Ryan Ovenden woke up to a foot of sewage water in his basement.

His homeowner’s policy covered flood damage. But not sewer backup. The max benefit for that specific situation? $10,000. The actual damage? A lot more.

Here's the kicker: a $25/year add-on would have given him $50,000 in sewer backup coverage. Twenty-five dollars a year.

Ryan is a CFP® and financial advisor. And even he missed it on his own policy.

That's exactly why an insurance audit matters. Not to add more coverage. But to find the holes you don't know you have.

He breaks down what an insurance audit actually is, when you may need one, and how to know if your coverage is really doing its job:

Many people set up their insurance once and never look back. But life can change, and your coverage needs to keep up. Ryan Ovenden, CFP®, CKA®, Senior

08/05/2026

We have more ways to reach each other than any generation in history.

And yet this conversation with Kevin, Nik and Dan LaRock points out something most of us have quietly noticed... the ability to connect hasn't made it easier to actually know people. Or to be known.

What's getting lost along the way is the slower, harder kind of relationship. The kind built through real conversation, genuine listening, and time spent with people whose lives look nothing like yours.

That's where wisdom actually transfers. And right now, that kind of exchange is becoming rare.

Watch the full conversation with Dan LaRock, Co-Founder of Rock Ranch and author of "Grandpa's Gift," on the True Wealth Podcast.

- Youtube: https://www.youtube.com/playlist?list=PLabQdKOSXuCNiKgVZINvFi8TNaFLBE9sI
- Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp
- Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242
- Pinnacle Wealth: https://www.pinnaclewealth.com/true-wealth-podcast/

08/05/2026

Trying to understand the difference between a Trump Account and a 529 plan? They might sound alike, but they’re meant for different goals.

A 529 is focused on education. A Trump Account lets families begin investing for a child early, and once the child reaches adulthood, it becomes a retirement account.

See what sets the two apart and how each may fit into a longer-term savings plan: https://ow.ly/5QsI50ZusO0

08/04/2026

Happy Birthday, Ryan! Ryan always gets down to the “why” behind what we do, helping us deliver the best experience possible for everyone we work with. We’re grateful to have you on the Pinnacle Wealth team and we hope you have an amazing day!

08/03/2026

Dan LaRock's grandfather preached dozens of sermons decades ago. Dan kept them.

Not as artifacts or family keepsakes: as a resource.

Because when he went back and read them, he realized the messages hadn't aged. The questions his grandfather was wrestling with — about how to live, how to lead, how to handle what life throws at you — are the same ones people are asking today.

That became "Grandpa's Gift." A book built not from modern self-help frameworks, but from wisdom that was already proven across a lifetime... and then some.

Some things don't need to be reinvented. They just need to be passed down.

Watch the full conversation with Dan LaRock, Co-Founder of Rock Ranch and author of "Grandpa's Gift," on the True Wealth Podcast.
- Youtube: https://www.youtube.com/playlist?list=PLabQdKOSXuCNiKgVZINvFi8TNaFLBE9sI
-Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp
- Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242
- Pinnacle Wealth: https://www.pinnaclewealth.com/true-wealth-podcast/

07/30/2026

Higher interest rates can’t produce more oil, computer chips, or shipping capacity. So why would the Federal Reserve consider raising them?

The concern is what happens after a supply shock. Higher costs can spread into transportation, food, services, and wages, especially when demand remains strong.

See why the Fed may act even when it can’t fix the original shortage, and what that could mean for markets: https://ow.ly/TQbg50ZusKX

07/30/2026

Social Security timing is more personal than many people realize.

Waiting can increase monthly benefits for some retirees. For others, claiming earlier may help address cash flow needs, survivor benefit decisions, or pressure on investments during a difficult market.

The key is knowing which scenario actually applies to you: https://ow.ly/5UpC50ZbUM6