Pinnacle Wealth Management Group provides financial planning, portfolio management for individuals and small businesses, business succession planning, education planning, estate planning, family office services, insurance, philanthropic planning, tax planning, and tax preparation.
Pinnacle Wealth Management Group reports 209 clients. They include 124 individual clients, 79 high-net-worth individuals, and 4 pension and profit-sharing plans. Of its assets, 99.9% ($243M across 617 accounts) are managed with discretion; $231K across 1 account is not. A wrap fee program the firm both sponsors and manages holds $244M.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 59% | 21% |
| High-net-worth individuals | 38% | 79% |
| Pension and profit-sharing plans | 2% | <1% |
| Corporations and other businesses | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 124 | $50.2M | 20.6% | $405K |
| High-net-worth individuals | 79 | $192M | 78.9% | $2.43M |
| Pension and profit-sharing plans | Fewer than 5 | $403K | 0.2% | $101K |
| Corporations and other businesses | 2 | $765K | 0.3% | $382K |
| Total | 209 | $244M | 100% | — |
- Clients
- 124
- Regulatory AUM
- $50.2M
- AUM share
- 20.6%
- Avg. per client
- $405K
- Clients
- 79
- Regulatory AUM
- $192M
- AUM share
- 78.9%
- Avg. per client
- $2.43M
- Clients
- Fewer than 5
- Regulatory AUM
- $403K
- AUM share
- 0.2%
- Avg. per client
- $101K
- Clients
- 2
- Regulatory AUM
- $765K
- AUM share
- 0.3%
- Avg. per client
- $382K
Total
- Clients
- 209
- Regulatory AUM
- $244M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
Pinnacle Wealth Management Group is paid through a percentage of assets under management, hourly charges and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Financial Planning
- Fixed fees of $2,000 to $5,000 by scope, or hourly fees of $150 to $300 with a two-hour minimum; one-half due at engagement.
- Platinum Family Office Service
- Fee of 0.25% to 1.00% of assets, in addition to the portfolio management fee, negotiable by assets and complexity.
Daniel Cesta owns 75% or more of Pinnacle Wealth Management Group. It has 4 employees.
Leadership
Daniel CestaShareholder/CCO
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
Staff
- 4 employees
- 4 in advisory functions
- 4 state-registered reps
- 2 broker-dealer reps
- 3 insurance agents
- Owns 75% or more of Pinnacle Wealth Management Group, Inc.
Daniel Cesta
Control person · since November 2015
Pinnacle Wealth Management Group’s regulatory assets grew 1.7× from $147M (March 2021) to $244M (September 2026); clients rose from 178 to 209 and employees were 4 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| September 2026 | $244M | 209 | 4 | 1 |
| March 2025 | $213M | 204 | 4 | 1 |
| March 2024 | $164M | 187 | 4 | 1 |
| March 2023 | $155M | 185 | 4 | 1 |
| March 2022 | $180M | 181 | 4 | 1 |
| March 2021 | $147M | 178 | 4 | 1 |
Besides its headquarters, Pinnacle Wealth Management Group has 0 offices, with 1 listed address in Michigan.
Michigan · 1 listed address
- 849 Penniman Suite 201, PlymouthHQ
Contact and registration details
- Legal name
- Pinnacle Wealth Management Group, Inc.
- Headquarters
- 849 Penniman Suite 201, Plymouth, MI 48170
- Website
- pwmgi.com
- Phone
- 734-667-5581
- SEC file
- 801-113407
- Structure
- Michigan corporation
- Fiscal year end
- December
Pinnacle Wealth Management Group uses Charles Schwab ($243M) as custodian for its separately managed accounts. Pinnacle Wealth Management Group does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Omaha, NE · $243M100%
At year end, Pinnacle Wealth Management Group’s separately managed accounts were mostly in funds (61%) and stocks (26%). Its reported 13F holdings for the quarter ended 30 June 2026 total $214M across 128 positions; the largest are Vanguard Star Fds (5.4%), Innovator ETFS Trust (4.5%) and Innovator ETFS Trust (4.3%).
What the accounts hold
- Stocks26%
- Funds61%
- Bonds1%
- Cash11%
Filed values cover 99%. The neutral 1% gap has no reported category.
Reported 13F holdings
- $214M
- Reported 13F value
- 128
- Positions
- 37.4%
- In the 10 largest
- +5.2%
- Value vs. prior quarter
- Vanguard Star Fds · VG TL Intl Stk F5.4%
- Innovator ETFS Trust · Quity Managd Flr4.5%
- Innovator ETFS Trust · Nasdaq 100 Mana4.3%
- Victory Portfolios II · Short Trm BD ETF4.3%
- Vanguard Scottsdale Fds · Mtg-bkd Secs ETF3.5%
- Victory Portfolios II · Core BD ETF3.4%
- iShares TR · Russell 2000 ETF3.1%
- Vaneck ETF Trust · Gold Miners ETF3.1%
- Invesco Qqq TR · Unit Ser 13.0%
- Vanguard Index Fds · Mid Cap ETF2.9%
Together, the ten largest are 37.4% of reported value.
How many clients does Pinnacle Wealth Management Group have?
Pinnacle Wealth Management Group has 209 clients and manages $244 million for them, as of September 2026. They include 124 individual clients, 79 high-net-worth individuals, and 4 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 25 September 2026
What services does Pinnacle Wealth Management Group offer?
Pinnacle Wealth Management Group provides financial planning, portfolio management for individuals and small businesses, business succession planning, education planning, estate planning, family office services, insurance, philanthropic planning, tax planning, and tax preparation.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
Which custodians does Pinnacle Wealth Management Group use?
Pinnacle Wealth Management Group’s separately managed account assets are held at Charles Schwab & Co., Inc. (Omaha, NE), with $243M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 25 September 2026
How many financial advisors does Pinnacle Wealth Management Group have?
Pinnacle Wealth Management Group has 4 investment adviser representatives registered with state securities authorities, out of 4 employees, and 4 perform investment advisory functions. 2 employees are registered representatives of a broker-dealer and 3 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Pinnacle Wealth Management Group invest in?
At the end of its last fiscal year, Pinnacle Wealth Management Group’s separately managed accounts held 61% registered funds (mutual funds, ETFs, BDCs), 26% exchange-traded equities, 11% cash and equivalents and 1% U.S. government and agency bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Pinnacle Wealth Management Group?
Pinnacle Wealth Management Group’s direct owner is Daniel Cesta (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 25 September 2026
How does Pinnacle Wealth Management Group get paid?
Pinnacle Wealth Management Group is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Pinnacle Wealth Management Group?
Pinnacle Wealth Management Group’s main office is at 849 Penniman Suite 201, Plymouth, MI 48170. Its phone number is 734-667-5581. Its website is pwmgi.com.