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lower rate is only the beginning. There are ways to make a refinance work harder for you. It just takes a little planning and consideration for your personal situation and your goals. Below are some hypothetical scenarios to show how homeowners can refinance their homes to create more stability or to open up opportunities.

Even as the world edges back toward “business as usual,” people continue to rely heavily on doing business digitally – with online shopping, delivery, curbside pick up, and alternative points of sale. The dominant payment form for all this activity? Cards. The challenge is to keep tabs on all the credit, debit and purchasing card activity that happens on a daily basis. Security features become very important, not just for reconciling accounts, but for preventing fraud. To mitigate your risk, here’s what to look for in the cards you use.

Now that the president signed the stimulus bill into law, millions of Americans are looking for their payment. Here are some frequently asked questions that may help ease your mind as you wait.

Divorce is one of the most stressful occurrences in a person’s life and the lives of their family members. While we pray no one ever has to go through a divorce, there is a resource that will provide careful planning and mitigate some of this stress and take the uncertainty out of the financial aspects. A Certified Divorce Financial Analyst (CDFA®) can provide the analysis necessary to ensure that a couple’s divorce is equitable for both parties. An “equitable” divorce doesn’t necessarily mean an “equal” one.

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) both help you reduce your taxable income by putting money away for healthcare expenses. However, there are some major differences between the two.

Fall is open enrollment season for healthcare benefits at many companies. In addition to selecting the right healthcare coverage for yourself and your family, you may also be reviewing your options for healthcare saving and spending.

Learn about the tax advantages, find out who qualifies for an HSA and compare them to flexible spending accounts.

Your business has survived a major crisis, and you’re ready to quit surviving and get back to thriving. First, though, you should do a thorough analysis of your business and financial plans. Now that you’ve experienced what could be a worst-case scenario, the timing is perfect. These are the lessons you can take from hard times to strengthen your business.

Employer-sponsored health insurance is a highly valuable benefit to employees. For many Americans, it’s a necessity. But when employees add up their portion of the premiums plus deductibles and coinsurance, the total can put a significant dent in their household budget. Worries about paying for healthcare can lead to stress, which, as we know, is not good for health. Among the ways employers can help is to offer tax-advantaged healthcare accounts, which help employees offset the burden of these costs.

As the pandemic continues to unfold, it’s drastically changing how businesses can interact with and accept payment from customers. Social distancing measures may be in place for the long-term, and another wave of shutdowns isn’t out of the question.

Beyond the security of all Pinnacle systems and technologies, there are some very simple ways that Pinnacle clients can monitor their accounts to be sure they are free of fraud.

Pinnacle places the highest importance on protecting our clients’ funds and information. Read this for information on how we accomplish that.

Learn about the channels Pinnacle relies on to communicate with our clients.

“Business Email Compromise” (or BEC), is becoming an all too common scam executed by cyber thieves. Criminals work to understand and monitor your business processes, request forms, and partners involved over a period of days or weeks, then they generate a highly targeted attack designed to fool you into thinking you are working with a legitimate business partner. Often times these types of scams result in a significant financial loss to the business.

Owner-operated businesses are an ideal target for identity theft. As a sole-proprietor, the owner and the business are considered one in the same. Here is what you should do if you are the victim of a breach.

In today’s environment chances are good that your card information could be compromised in the future. Here’s what to do if you’re a consumer, a merchant or another type of small business to protect yourself from a security breach.

It has come to our attention that several people have received unsolicited emails appearing to come from Pinnacle Financial Partners. The emails contain bogus transaction information and ask the recipient to check attachments for additional details.

The SBA has released a complete and detailed list of all PPP loans and borrowers. Everyone who took a PPP loan should be on the lookout for fraud and unwanted solicitations. The level of detail involved gives scammers all the information they need to create very convincing fraud emails and phone calls. Here's how to outsmart them.

Cons make their living stealing a small amount of money thousands of times, and some get away with hundreds or thousands of dollars at a time. Banks all over the country have seen a dramatic spike in scams and frauds in 2020. Below are just a few of the most common scams we see.