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Make credit work for you, not against you. Pinnacle’s financial advisors explain how to build, manage, and protect your credit for long-term financial health.

Boost your income without changing jobs. Pinnacle’s financial advisors share easy ways to cut costs and save more in every area of your life.

Take control of your money with a budget you can actually stick to. Simple, proven strategies from Pinnacle’s financial advisors to track spending, plan ahead, and reach your goals.

Tariffs continued to lead to volatility and uncertainty globally as GDP growth rates fell and core inflation rose. The on again off again tariffs and resulting trade flows have created volatility in the GDP growth numbers and have made the FOMC’ s mission more difficult. The one offset is that through August 2025 the Treasury has collected $165.2 Billion in tariff proceeds, about two-thirds of which has been paid for by American consumers.

During the second quarter the Trump administration continued to push new tariffs on the United States’ largest trading partners. As we discussed last quarter, the effect of all these actions is that consumer confidence and sentiment has continued to decline as prices have moved higher.

Even for families with the means to pay for tuition outright, college savings plans can carry major advantages. 529 savings plans are designed to be flexible and can be long-lasting, which brings specific benefits for families. Here are some lesser-known ways to use a 529 plan to fund education expenses.

These four retirement mistakes can be expensive, but they’re easy to control. Find out what can you do before it's too late.

Passed with bipartisan support late in 2022 as part of an overall budget package by Congress, the so-called Secure 2.0 provisions represent some of the most significant changes to federal laws around retirement plans. Even more than the original Secure Act from 2019, Secure 2.0 will make retirement savings easier and more accessible to many Americans and will make it easier for businesses of all sizes to offer plans and encourage their employees to participate.

Think you’re too young to consider Medicare? No matter your age, if you are covered by a qualified high deductible health plan (HDHP) with a health savings account (HSA), Medicare should be on your timeline. It’s a milestone you need to include in your long-term HSA planning. Here’s why: Once you enroll in Medicare, you can spend your HSA funds, but you can no longer contribute to your HSA. Our Compliance Officer Ferne Emery offers some guideposts for along the way.

When you’re building a new business, it’s important to assemble a core team of trusted experts to ensure you lay a strong foundation for a successful, sustainable launch. These may include advisors in tax, legal, marketing, human resources or recruiting. When it comes to finances, your mind may jump to “Who’s going to lend me the money?”

You have a business or want to start one. You know the bank is your next stop, but you’re concerned you might not be ready. What do you do? Get started now, before your first meeting. The key is to ask yourself every question you can think of, prepare the answers and gather any documents you need. The more prepared you are, the better your banking experience will be. It can cut down review and decision time and starts your new banking relationship on the right foot.

What does it take to turn veterans into entrepreneurs? There’s no straight line from the military to the business world, but what you learned then can help you now. These are the issues most often faced and the lessons you can use to solve them.

In the first week of July, House Budget Reconciliation Bill (HR 1) was signed into law. Included in the final version were several provisions affecting health and benefits accounts. Here is additional detail and commentary on the provisions included in the final version that became law.

A few years after being phased out, 100 percent bonus depreciation returns for the 2025 tax year. For business owners and real estate investors, this isn’t just a tax perk. It’s a practical way to boost cash flow, potentially reduce tax liability and increase return on investment.

Interest rate uncertainty has put a lot of business owners on edge. When funding an expansion, managing seasonal cash flow or just trying to plan ahead, the uncertainty of floating loan rates can make long-term budgeting feel like a guessing game. If that sounds familiar, an interest rate swap might be a tool worth exploring.

With the influx of calendar reminders, appointments, practices and games flooding your inbox, so too come the marketing emails targeting the exact things you need for this season of busyness. Don’t forget to be on the lookout for fraudulent emails and malicious links outside of Pinnacle too!

Have you received a text or email about a missed toll payment? Did you scratch your head trying to remember when you might have missed one–or the last time you drove on a toll road? You’re not alone.

Mobile payment apps like Venmo, Cash App and Zelle make it easy to send money virtually between friends and family. Just download the app, set up a free account, connect it to your bank account or debit card, and voila! You can pay your babysitter, reimburse a friend for picking up groceries or chip in for a group birthday gift. Easy, right? Yes, as long as you treat it like cash, because there are no strings attached. "Cash" sent through a mobile payment app can’t easily be retrieved or refunded if you send it to the wrong person or don’t receive what you paid for.

While dealing with problems resulting from identity theft can be time-consuming and frustrating, most victims can resolve their cases by being assertive, organized, and knowledgeable about their legal rights. Read this for steps you should take immediately.

If you believe your Pinnacle debit or credit card is lost or stolen, call us immediately.

Depending on the services you want, you should be able to discover an option that fits your needs and your budget.