{"id":962,"date":"2021-02-10T16:45:28","date_gmt":"2021-02-11T00:45:28","guid":{"rendered":"https:\/\/www.pinnacleprivateadvisors.com\/?page_id=962"},"modified":"2022-02-11T09:25:16","modified_gmt":"2022-02-11T17:25:16","slug":"comprehensive-wealth-management","status":"publish","type":"page","link":"https:\/\/www.pinnacleprivateadvisors.com\/comprehensive-wealth-management\/","title":{"rendered":"Comprehensive Wealth Management"},"content":{"rendered":"<div id='av_section_1'  class='avia-section main_color avia-section-default avia-no-border-styling  avia-full-stretch av-section-color-overlay-active avia-bg-style-scroll  avia-builder-el-0  el_before_av_submenu  avia-builder-el-first   av-minimum-height av-minimum-height-custom  container_wrap sidebar_right' style='background-repeat: no-repeat; background-image: url(https:\/\/www.pinnacleprivateadvisors.com\/wp-content\/uploads\/2020\/11\/A-romantic-couple-on-vacation-time-enjoys-the-summer-sunset-by-the-pool-1256295810_2125x1416-1-1030x687.jpeg);background-attachment: scroll; background-position: center center;  '  data-section-bg-repeat='stretch'><div class='av-section-color-overlay-wrap'><div class='av-section-color-overlay' style='opacity: 0.8; background-color: #0c0f30; '><\/div><div class='container' style='height:350px'><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-962'><div class='entry-content-wrapper clearfix'>\n<div  style='padding-bottom:0px; color:#ffffff;' class='av-special-heading av-special-heading-h2 custom-color-heading blockquote modern-quote  avia-builder-el-1  avia-builder-el-no-sibling  '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Comprehensive Wealth Management: <\/h2><div class='special-heading-border'><div class='special-heading-inner-border' style='border-color:#ffffff'><\/div><\/div><\/div>\n\n<\/div><\/div><\/main><!-- close content main element --><\/div><\/div><\/div><div class='clear'><\/div><div id='sub_menu1'  class='av-submenu-container main_color  avia-builder-el-2  el_after_av_section  el_before_av_heading  av-sticky-submenu av-switch-768 submenu-not-first container_wrap sidebar_right' style='  z-index:301' ><div class='container av-menu-mobile-active '><a href='#' class='mobile_menu_toggle' aria-hidden='true' data-av_icon='\ue8a5' data-av_iconfont='entypo-fontello'><span class='av-current-placeholder'>Menu<\/span><\/a><ul id=\"menu-submenu-services\" class=\"av-subnav-menu av-submenu-pos-center\"><li id=\"menu-item-999\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-top-level menu-item-top-level-1\"><a href=\"https:\/\/www.pinnacleprivateadvisors.com\/comprehensive-wealth-management\/\" itemprop=\"url\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Comprehensive Wealth Management<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li id=\"menu-item-1000\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-top-level menu-item-top-level-2\"><a href=\"https:\/\/www.pinnacleprivateadvisors.com\/tax-efficient-retirement\/\" itemprop=\"url\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Tax Efficient Retirement Planning<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li id=\"menu-item-998\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-top-level menu-item-top-level-3\"><a href=\"https:\/\/www.pinnacleprivateadvisors.com\/private-client-lending\/\" itemprop=\"url\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Private Client Lending<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li id=\"menu-item-997\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-top-level menu-item-top-level-4\"><a href=\"https:\/\/www.pinnacleprivateadvisors.com\/advanced-financial-planning\/\" itemprop=\"url\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Advanced Financial Planning<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li id=\"menu-item-996\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-top-level menu-item-top-level-5\"><a href=\"https:\/\/www.pinnacleprivateadvisors.com\/complex-trust-and-estate\/\" itemprop=\"url\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Complex Trust and Estate<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li id=\"menu-item-995\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-top-level menu-item-top-level-6\"><a href=\"https:\/\/www.pinnacleprivateadvisors.com\/charitable-giving\/\" itemprop=\"url\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Charitable Giving<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<\/ul><\/div><\/div><div class='sticky_placeholder'><\/div><div id='after_submenu'  class='main_color av_default_container_wrap container_wrap sidebar_right' style=' '  ><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-962'><div class='entry-content-wrapper clearfix'>\n<div  style='padding-bottom:0px; ' class='av-special-heading av-special-heading-h2  blockquote modern-quote  avia-builder-el-3  el_after_av_submenu  el_before_av_hr  avia-builder-el-first  '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Comprehensive Wealth Management: <\/h2><div class='special-heading-border'><div class='special-heading-inner-border' ><\/div><\/div><\/div>\n<div   class='hr hr-short hr-left   avia-builder-el-4  el_after_av_heading  el_before_av_textblock '><span class='hr-inner ' ><span class='hr-inner-style'><\/span><\/span><\/div>\n<section class=\"av_textblock_section \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock  '   itemprop=\"text\" ><h3>What does it mean to be a fiduciary?<\/h3>\n<p>Being a fiduciary means putting our clients&#8217; interests ahead of our own.\u00a0 As RIAs we are legally bound and ethically motivated to act in the best interest of each of our clients. In the case of Pinnacle Private Advisors, our fiduciary responsibility means that, as we manage the assets of our clients, we must do so with only their best interest at heart.\u00a0 Not the best interests of outside shareholders, corporate stakeholders, or our own profit.<\/p>\n<p>Legally speaking, a fiduciary is bound by law to put our client&#8217;s best interests ahead of our own profit. Being an RIA (Registered investment advisor) means we have a fiduciary duty to our clients. The standards of fiduciary relationships start with a &#8220;prudent person standard of care;&#8221; originally put into place in 1830. Fiduciaries must ensure that no conflict of interest arises in the relationship.<\/p>\n<h3>Suitability vs. Fiduciary Standard<\/h3>\n<p>Registered Investment Advisor (RIA)s\u00a0 are most often engaged on a fee-basis.\u00a0 In 1940 the investment Advisors Act was passed which established the fiduciary standards ensuring that the SEC or state securities regulators could oversee the investment advisory relationship and ensure that a &#8220;duty of loyalty and care is maintained&#8221;.<\/p>\n<blockquote>\n<p>An RIA cannot buy securities for their own account prior to buying them for a client.\u00a0 They also must not choose a trade based on higher commissions for the advisor or investment firm.<\/p>\n<\/blockquote>\n<p>Ensuring that clients have accurate and complete information for each trade as a &#8220;best execution&#8221; standard, meaning that they must strive to trade securities with the best combination of low-cost and efficient execution.<\/p>\n<\/div><\/section>\n<div   class='hr hr-short hr-left   avia-builder-el-6  el_after_av_textblock  el_before_av_toggle_container '><span class='hr-inner ' ><span class='hr-inner-style'><\/span><\/span><\/div>\n<div  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/FAQPage\"   class=\"togglecontainer   toggle_close_all  hasCurrentStyle avia-builder-el-7  el_after_av_hr  avia-builder-el-last \" data-currentstyle='color:#0015ff; border-color:#0015ff; background-color:#7bb0e7; '>\n<section class=\"av_toggle_section\"  itemscope=\"itemscope\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"  >    <div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  >        <p data-fake-id=\"#toggle-id-1\" class=\"toggler  hasCustomColor av-inherit-font-color  av-inherit-border-color \"  itemprop=\"name\"  style='background-color: #7bb0e7; color: #0a0a0a; border-color: #000cff; ' data-hoverstyle='background-color: #0a0a0a; color: #ffffff; ' role=\"tab\" tabindex=\"0\" aria-controls=\"toggle-id-1\">What are stocks?<span class=\"toggle_icon\" style='border-color:#0a0a0a;'>        <span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p>        <div id=\"toggle-id-1\" class=\"toggle_wrap \"    itemscope=\"itemscope\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" >            <div class=\"toggle_content invers-color  av-inherit-font-color  av-inherit-border-color \"  itemprop=\"text\"  style='background-color: #7bb0e7; color: #0a0a0a; border-color: #000cff; ' ><p>Stocks give their holders a share of ownership in a company.<\/p>\n<h3>There are two primary types of stocks: common stock, and preferred stock.<\/h3>\n<p><strong>Common\u00a0<\/strong>stock entitles owners to vote at shareholder meetings and receive dividends.<\/p>\n<p><strong>Preferred<\/strong>\u00a0stockholders usually don\u2019t have voting rights but they receive dividend payments before common stockholders do, and have priority over common stockholders if the company goes bankrupt and its assets are liquidated.<\/p>\n<p><strong>Here&#8217;s a list of stock categories:<\/strong><\/p>\n<ul>\n<li><strong>Growth stocks\u00a0<\/strong>have earnings growing at a faster rate than the market average. They rarely pay dividends and investors buy them in the hope of capital appreciation. A start-up technology company is likely to be a growth stock.<\/li>\n<li><strong>Income stocks<\/strong>\u00a0pay dividends consistently. Investors buy them for the income they generate. An established utility company is likely to be an income stock.<\/li>\n<li><strong>Value stocks\u00a0<\/strong>have a low price-to-earnings (PE) ratio, meaning they are cheaper to buy than stocks with a higher PE. Value stocks may be growth or income stocks, and their low PE ratio may reflect the fact that they have fallen out of favor with investors for some reason. People buy value stocks in the hope that the market has overreacted and that the stock\u2019s price will rebound.<\/li>\n<li><strong>Blue-chip stocks<\/strong> are shares in large, well-known companies with a solid history of growth. They generally pay dividends.<\/li>\n<li><strong>Large-cap<\/strong> stocks are market capitalization stocks in large companies.<\/li>\n<li><strong>Mid-cap<\/strong> stocks are market capitalization stocks in mid-sized companies.<\/li>\n<li><strong>Small-cap<\/strong> stocks are market capitalization stocks in smaller companies.<\/li>\n<li><strong>Microcap<\/strong> stocks are stocks in startups.<\/li>\n<li><strong>Penny stocks<\/strong> are stocks in companies with very low or no earnings; they don&#8217;t pay dividends and are highly speculative (think Wolf of Wall Street).<\/li>\n<\/ul>\n            <\/div>        <\/div>    <\/div><\/section>\n<section class=\"av_toggle_section\"  itemscope=\"itemscope\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"  >    <div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  >        <p data-fake-id=\"#toggle-id-2\" class=\"toggler  hasCustomColor av-inherit-font-color  av-inherit-border-color \"  itemprop=\"name\"  style='background-color: #7bb0e7; color: #0a0a0a; border-color: #000cff; ' data-hoverstyle='background-color: #0a0a0a; color: #ffffff; ' role=\"tab\" tabindex=\"0\" aria-controls=\"toggle-id-2\">What are bonds?<span class=\"toggle_icon\" style='border-color:#0a0a0a;'>        <span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p>        <div id=\"toggle-id-2\" class=\"toggle_wrap \"    itemscope=\"itemscope\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" >            <div class=\"toggle_content invers-color  av-inherit-font-color  av-inherit-border-color \"  itemprop=\"text\"  style='background-color: #7bb0e7; color: #0a0a0a; border-color: #000cff; ' ><h3 id=\"mntl-sc-block_1-0-86\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\">What is a Bond?<\/span><\/h3>\n<p id=\"mntl-sc-block_1-0-87\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">A bond represents a promise by a borrower to pay a lender their principal and interest on a loan. Bonds are issued by governments, municipalities, and corporations. The interest rate (coupon rate), principal amount, and maturities will vary from one bond to the next in order to meet the goals of the bond issuer (borrower) and the bond buyer (lender). Most bonds issued by companies include options that can increase or decrease their value and can make comparisons difficult for non-professionals. Bonds can be bought or sold before they mature, and many are publicly listed and can be traded with a broker.<\/p>\n<h3 id=\"mntl-sc-block_1-0-23\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">Characteristics of Bonds:<\/h3>\n<ul id=\"mntl-sc-block_1-0-25\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">\n<li><strong>Face value<\/strong>\u00a0is the money amount the bond will be worth at maturity; it is also the reference amount the bond issuer uses when calculating interest payments. For example, say an investor purchases a bond at a premium $1,090 and another investor buys the same bond later when it is trading at a discount for $980. When the bond matures, both investors will receive the $1,000 face value of the bond.<\/li>\n<li><strong>The coupon rate<\/strong>\u00a0is the rate of interest the bond issuer will pay on the face value of the bond, expressed as a percentage. For example, a 5% coupon rate means that bondholders will receive 5% x $1000 face value = $50 every year.<\/li>\n<li><strong>Coupon dates<\/strong>\u00a0are the dates on which the bond issuer will make interest payments. Payments can be made in any interval, but the standard is semiannual payments.<\/li>\n<li><strong>The maturity date<\/strong>\u00a0is the date on which the bond will mature and the bond issuer will pay the bondholder the face value of the bond.<\/li>\n<li><strong>The issue price\u00a0<\/strong>is the price at which the bond issuer originally sells the bonds.<\/li>\n<\/ul>\n<h3 id=\"mntl-sc-block_1-0-35\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\">Categories of Bonds:<\/span><\/h3>\n<ul id=\"mntl-sc-block_1-0-38\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">\n<li><strong>Corporate bonds<\/strong>\u00a0are issued by companies. Companies issue bonds rather than seek bank loans for debt financing in many cases because bond markets offer more favorable terms and lower interest rates.<\/li>\n<li><strong>Municipal bonds<\/strong>\u00a0are issued by states and municipalities. Some municipal bonds offer tax-free coupon income for investors.<\/li>\n<li><strong>Government bonds<\/strong>\u00a0such as those issued by the U.S. Treasury. Bonds issued by the Treasury with a year or less to maturity are called \u201cBills\u201d; bonds issued with 1\u201310 years to maturity are called \u201cnotes\u201d; and bonds issued with more than 10 years to maturity are called \u201cbonds\u201d. The entire category of bonds issued by a government treasury is often collectively referred to as &#8220;treasuries.&#8221; Government bonds issued by national governments may be referred to as sovereign debt.<\/li>\n<li><strong>Agency bonds<\/strong>\u00a0are those issued by government-affiliated organizations such as Fannie Mae or Freddie Mac.<\/li>\n<\/ul>\n<p id=\"mntl-sc-block_1-0-87\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">\n            <\/div>        <\/div>    <\/div><\/section>\n<section class=\"av_toggle_section\"  itemscope=\"itemscope\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"  >    <div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  >        <p data-fake-id=\"#toggle-id-3\" class=\"toggler  hasCustomColor av-inherit-font-color  av-inherit-border-color \"  itemprop=\"name\"  style='background-color: #7bb0e7; color: #0a0a0a; border-color: #000cff; ' data-hoverstyle='background-color: #0a0a0a; color: #ffffff; ' role=\"tab\" tabindex=\"0\" aria-controls=\"toggle-id-3\">What are mutual funds?<span class=\"toggle_icon\" style='border-color:#0a0a0a;'>        <span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p>        <div id=\"toggle-id-3\" class=\"toggle_wrap \"    itemscope=\"itemscope\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" >            <div class=\"toggle_content invers-color  av-inherit-font-color  av-inherit-border-color \"  itemprop=\"text\"  style='background-color: #7bb0e7; color: #0a0a0a; border-color: #000cff; ' ><p>A mutual fund is made up of a pool of money collected from many investors to invest in stocks, bonds, money market instruments, and other assets. Mutual funds are operated by professional money managers, who allocate the fund&#8217;s assets and attempt to produce income for the fund&#8217;s investors. A mutual fund&#8217;s portfolio is structured and maintained to match the investment objectives stated in its prospectus.<\/p>\n<h3 id=\"mntl-sc-block_1-0-97\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\">Advantages of Mutual Funds<\/span><\/h3>\n<p id=\"mntl-sc-block_1-0-98\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">There are a variety of reasons that mutual funds have been the retail investor&#8217;s vehicle of choice for decades. The overwhelming majority of money in employer-sponsored retirement plans goes into mutual funds. Multiple\u00a0mergers\u00a0have equated to mutual funds over time.<\/p>\n<h3 id=\"mntl-sc-block_1-0-125\" class=\"comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading\"><span class=\"mntl-sc-block-heading__text\">Disadvantages of Mutual Funds<\/span><\/h3>\n<p id=\"mntl-sc-block_1-0-126\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">Liquidity, diversification, and professional management all make mutual funds attractive options for the younger, novice, and other individual investors who don&#8217;t want to actively manage their money. However, no asset is perfect, and mutual funds have drawbacks too.<\/p>\n            <\/div>        <\/div>    <\/div><\/section>\n<section class=\"av_toggle_section\"  itemscope=\"itemscope\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"  >    <div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  >        <p data-fake-id=\"#toggle-id-4\" class=\"toggler  hasCustomColor av-inherit-font-color  av-inherit-border-color \"  itemprop=\"name\"  style='background-color: #7bb0e7; color: #0a0a0a; border-color: #000cff; ' data-hoverstyle='background-color: #0a0a0a; color: #ffffff; ' role=\"tab\" tabindex=\"0\" aria-controls=\"toggle-id-4\">What are limited partnerships?<span class=\"toggle_icon\" style='border-color:#0a0a0a;'>        <span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p>        <div id=\"toggle-id-4\" class=\"toggle_wrap \"    itemscope=\"itemscope\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" >            <div class=\"toggle_content invers-color  av-inherit-font-color  av-inherit-border-color \"  itemprop=\"text\"  style='background-color: #7bb0e7; color: #0a0a0a; border-color: #000cff; ' ><p id=\"mntl-sc-block_1-0-1\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">A limited partnership (LP) is not a <a href=\"https:\/\/www.investopedia.com\/articles\/investing\/090214\/limited-liability-partnership-llp-basics.asp\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"1\">limited liability partnership (LLP).<\/a><\/p>\n<p class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">A limited partnership is usually a type of investment partnership, often used as investment vehicles for investing in such assets as real estate, businesses, securities etc&#8230;<\/p>\n<p class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">An LP is a partnership made up of two or more partners. The general partner oversees and runs the business while limited partners do not partake in managing the business. The general partner has unlimited liability for the debt, and any limited partners have limited liability up to the amount of their investment.<\/p>\n<div id=\"mntl-sc-block_1-0-18\" class=\"comp mntl-sc-block mntl-sc-block-adslot mntl-block\">\n<div id=\"mntl-block_32-0\" class=\"comp mntl-block\"><\/div>\n<\/div>\n<p id=\"mntl-sc-block_1-0-19\" class=\"comp mntl-sc-block finance-sc-block-html mntl-sc-block-html\">\n            <\/div>        <\/div>    <\/div><\/section>\n<section class=\"av_toggle_section\"  itemscope=\"itemscope\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"  >    <div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  >        <p data-fake-id=\"#toggle-id-5\" class=\"toggler  hasCustomColor av-inherit-font-color  av-inherit-border-color \"  itemprop=\"name\"  style='background-color: #7bb0e7; color: #0a0a0a; border-color: #000cff; ' data-hoverstyle='background-color: #0a0a0a; color: #ffffff; ' role=\"tab\" tabindex=\"0\" aria-controls=\"toggle-id-5\">What are asset classes of RE holdings?<span class=\"toggle_icon\" style='border-color:#0a0a0a;'>        <span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p>        <div id=\"toggle-id-5\" class=\"toggle_wrap \"    itemscope=\"itemscope\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" >            <div class=\"toggle_content invers-color  av-inherit-font-color  av-inherit-border-color \"  itemprop=\"text\"  style='background-color: #7bb0e7; color: #0a0a0a; border-color: #000cff; ' ><p>Put simply, an\u00a0<b>asset class<\/b> is a group of financial instruments that have comparable characteristics and exhibit like behaviors in the marketplace.<\/p>\n<h3>Examples include:<\/h3>\n<ul>\n<li>Stocks<\/li>\n<li>Bonds<\/li>\n<li>Alternatives (Aviation, Marine Finance, <b>Real Estate<\/b>, Art Finance, Cryptocurrency, Private Equity, etc.)<\/li>\n<\/ul>\n<p>Real estate asset classes are broken down into two main property types: commercial and residential.<\/p>\n<h3>Residential Real Estate<\/h3>\n<p>Residential property is simply real estate for living. It includes single-family homes, townhouses, condos, and vacation houses. Residential real estate properties are considered an investment if the asset is not owner-occupied, and it is owned for financial gain\u2014either via rent or the appreciation in value.<\/p>\n<ul>\n<li><b>Single-family homes.\u00a0<\/b><\/li>\n<li><b>Co-ops.\u00a0<\/b><\/li>\n<li><b>Condominiums.<\/b><\/li>\n<li><b>Townhouses.\u00a0<\/b><\/li>\n<li><b>Multi-family properties. <\/b><em>(under 4 units)<\/em><\/li>\n<li><b>Vacation homes.\u00a0<\/b><\/li>\n<\/ul>\n<h3>Commercial Real Estate<\/h3>\n<p>CRE, includes any property that generates income.<\/p>\n<ul>\n<li><b>Multi-family.<\/b> (4+ units)<\/li>\n<li><b>Retail.\u00a0<\/b><\/li>\n<li><b>Office.\u00a0<\/b><\/li>\n<li><b>Self-storage.\u00a0<\/b><\/li>\n<li><b>Hotels.<\/b><\/li>\n<li><b>Mobile home Parks.<\/b>\u00a0<a href=\"https:\/\/www.reonomy.com\/blog\/post\/how-to-invest-in-mobile-home-parks\" target=\"_blank\" rel=\"noopener noreferrer\" data-uw-rm-brl=\"false\" aria-label=\"mobile home parks have the highest capitalization rate - opens in new tab\" data-uw-rm-ext-link=\"\">mobile home parks have the highest capitalization rate<\/a>\u00a0of any real estate niche, at 7-10% nationally, according to Reonomy.<\/li>\n<li><b>Land:<\/b><\/li>\n<li>Greenfield land hasn\u2019t previously been developed.<\/li>\n<li>Brownfield land was previously developed and typically requires clean-up before it can be used.<\/li>\n<\/ul>\n            <\/div>        <\/div>    <\/div><\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":309,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comprehensive Wealth Management - Pinnacle Private Advisors<\/title>\n<meta name=\"description\" content=\"Comprehensive Wealth Management includes the guidance of our fiduciary leadership. Your success is our success. As RIAs, we act in your best interest.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pinnacleprivateadvisors.com\/comprehensive-wealth-management\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comprehensive Wealth Management - Pinnacle Private Advisors\" \/>\n<meta property=\"og:description\" content=\"Comprehensive Wealth Management includes the guidance of our fiduciary leadership. Your success is our success. As RIAs, we act in your best interest.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pinnacleprivateadvisors.com\/comprehensive-wealth-management\/\" \/>\n<meta property=\"og:site_name\" content=\"Pinnacle Private Advisors\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Pinnacle-Private-Advisors-103090278421710\" \/>\n<meta property=\"article:modified_time\" content=\"2022-02-11T17:25:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.pinnacleprivateadvisors.com\/wp-content\/uploads\/2020\/11\/A-romantic-couple-on-vacation-time-enjoys-the-summer-sunset-by-the-pool-1256295810_2125x1416-1.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"2121\" \/>\n\t<meta property=\"og:image:height\" content=\"1414\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.pinnacleprivateadvisors.com\/comprehensive-wealth-management\/\",\"url\":\"https:\/\/www.pinnacleprivateadvisors.com\/comprehensive-wealth-management\/\",\"name\":\"Comprehensive Wealth Management - Pinnacle Private Advisors\",\"isPartOf\":{\"@id\":\"https:\/\/www.pinnacleprivateadvisors.com\/#website\"},\"datePublished\":\"2021-02-11T00:45:28+00:00\",\"dateModified\":\"2022-02-11T17:25:16+00:00\",\"description\":\"Comprehensive Wealth Management includes the guidance of our fiduciary leadership. Your success is our success. As RIAs, we act in your best interest.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.pinnacleprivateadvisors.com\/comprehensive-wealth-management\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.pinnacleprivateadvisors.com\/comprehensive-wealth-management\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.pinnacleprivateadvisors.com\/comprehensive-wealth-management\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.pinnacleprivateadvisors.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Comprehensive Wealth Management\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.pinnacleprivateadvisors.com\/#website\",\"url\":\"https:\/\/www.pinnacleprivateadvisors.com\/\",\"name\":\"Pinnacle Private Advisors\",\"description\":\"Experience the Pinnacle of Private Wealth Management\",\"publisher\":{\"@id\":\"https:\/\/www.pinnacleprivateadvisors.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.pinnacleprivateadvisors.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.pinnacleprivateadvisors.com\/#organization\",\"name\":\"Pinnacle Private Advisors\",\"url\":\"https:\/\/www.pinnacleprivateadvisors.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.pinnacleprivateadvisors.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.pinnacleprivateadvisors.com\/wp-content\/uploads\/2020\/12\/pinnacle_logo.png\",\"contentUrl\":\"https:\/\/www.pinnacleprivateadvisors.com\/wp-content\/uploads\/2020\/12\/pinnacle_logo.png\",\"width\":2048,\"height\":1054,\"caption\":\"Pinnacle Private Advisors\"},\"image\":{\"@id\":\"https:\/\/www.pinnacleprivateadvisors.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/Pinnacle-Private-Advisors-103090278421710\",\"https:\/\/www.instagram.com\/pinnacleprivate\/\",\"https:\/\/www.linkedin.com\/company\/71324681\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Comprehensive Wealth Management - Pinnacle Private Advisors","description":"Comprehensive Wealth Management includes the guidance of our fiduciary leadership. Your success is our success. As RIAs, we act in your best interest.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.pinnacleprivateadvisors.com\/comprehensive-wealth-management\/","og_locale":"en_US","og_type":"article","og_title":"Comprehensive Wealth Management - Pinnacle Private Advisors","og_description":"Comprehensive Wealth Management includes the guidance of our fiduciary leadership. Your success is our success. As RIAs, we act in your best interest.","og_url":"https:\/\/www.pinnacleprivateadvisors.com\/comprehensive-wealth-management\/","og_site_name":"Pinnacle Private Advisors","article_publisher":"https:\/\/www.facebook.com\/Pinnacle-Private-Advisors-103090278421710","article_modified_time":"2022-02-11T17:25:16+00:00","og_image":[{"width":2121,"height":1414,"url":"https:\/\/www.pinnacleprivateadvisors.com\/wp-content\/uploads\/2020\/11\/A-romantic-couple-on-vacation-time-enjoys-the-summer-sunset-by-the-pool-1256295810_2125x1416-1.jpeg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.pinnacleprivateadvisors.com\/comprehensive-wealth-management\/","url":"https:\/\/www.pinnacleprivateadvisors.com\/comprehensive-wealth-management\/","name":"Comprehensive Wealth Management - Pinnacle Private Advisors","isPartOf":{"@id":"https:\/\/www.pinnacleprivateadvisors.com\/#website"},"datePublished":"2021-02-11T00:45:28+00:00","dateModified":"2022-02-11T17:25:16+00:00","description":"Comprehensive Wealth Management includes the guidance of our fiduciary leadership. Your success is our success. As RIAs, we act in your best interest.","breadcrumb":{"@id":"https:\/\/www.pinnacleprivateadvisors.com\/comprehensive-wealth-management\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.pinnacleprivateadvisors.com\/comprehensive-wealth-management\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.pinnacleprivateadvisors.com\/comprehensive-wealth-management\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.pinnacleprivateadvisors.com\/"},{"@type":"ListItem","position":2,"name":"Comprehensive Wealth Management"}]},{"@type":"WebSite","@id":"https:\/\/www.pinnacleprivateadvisors.com\/#website","url":"https:\/\/www.pinnacleprivateadvisors.com\/","name":"Pinnacle Private Advisors","description":"Experience the Pinnacle of Private Wealth Management","publisher":{"@id":"https:\/\/www.pinnacleprivateadvisors.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.pinnacleprivateadvisors.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.pinnacleprivateadvisors.com\/#organization","name":"Pinnacle Private Advisors","url":"https:\/\/www.pinnacleprivateadvisors.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.pinnacleprivateadvisors.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.pinnacleprivateadvisors.com\/wp-content\/uploads\/2020\/12\/pinnacle_logo.png","contentUrl":"https:\/\/www.pinnacleprivateadvisors.com\/wp-content\/uploads\/2020\/12\/pinnacle_logo.png","width":2048,"height":1054,"caption":"Pinnacle Private Advisors"},"image":{"@id":"https:\/\/www.pinnacleprivateadvisors.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/Pinnacle-Private-Advisors-103090278421710","https:\/\/www.instagram.com\/pinnacleprivate\/","https:\/\/www.linkedin.com\/company\/71324681"]}]}},"_links":{"self":[{"href":"https:\/\/www.pinnacleprivateadvisors.com\/wp-json\/wp\/v2\/pages\/962"}],"collection":[{"href":"https:\/\/www.pinnacleprivateadvisors.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.pinnacleprivateadvisors.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.pinnacleprivateadvisors.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pinnacleprivateadvisors.com\/wp-json\/wp\/v2\/comments?post=962"}],"version-history":[{"count":14,"href":"https:\/\/www.pinnacleprivateadvisors.com\/wp-json\/wp\/v2\/pages\/962\/revisions"}],"predecessor-version":[{"id":1157,"href":"https:\/\/www.pinnacleprivateadvisors.com\/wp-json\/wp\/v2\/pages\/962\/revisions\/1157"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pinnacleprivateadvisors.com\/wp-json\/wp\/v2\/media\/309"}],"wp:attachment":[{"href":"https:\/\/www.pinnacleprivateadvisors.com\/wp-json\/wp\/v2\/media?parent=962"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}