Pinelight Financial PLLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$35,125,521
This total excludes 2 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
31
26% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
31
TypicalAverage account size
$1,133,081
About
Pinelight Financial is a small, independent registered investment adviser managing roughly $41.3 million for about 31 clients, serving individuals, high‑net‑worth investors, businesses, and retirement/pension plans. The firm provides financial planning, ongoing portfolio management, retirement plan investment management, and pension consulting, and also offers group educational seminars and workshops for plan participants.
Portfolios are customized and managed on either a discretionary or non‑discretionary basis, drawing on a mix of active and passive techniques (including core‑and‑satellite and modern portfolio concepts) with attention to tax efficiency and ERISA fiduciary considerations when advising retirement plans. Clients receive written financial plans and periodic reviews, and the firm assists with rollovers, IPS development, manager due diligence, and participant education.
The firm’s principal is a licensed CPA who provides accounting and tax services under separate engagement agreements, creating an affiliated accounting/advisory relationship that the brochure discloses and seeks to manage. Compared with many solo independent advisers, Pinelight’s combination of affiliated accounting services, explicit pension consulting and institutional/plan management work, plus client education workshops, is relatively uncommon.
Client services
Financial planning
Portfolio management
Pension consulting
Educational seminars or workshops
Expertise
Cash flow / budgeting
Debt management
College savings (529s, UTMA, etc.)
General retirement planning
Retirement income strategy
Occupation focus
Founder/Business Owner
Retired
Demographic focus
Approaching retirement
Fee options
$0 - $249,999: 1.50% annually $250,000 - $499,999: 1.20% annually $500,000 - $999,999: 0.95% annually $1,000,000 - $1,999,999: 0.75% annually $2,000,000 - $3,999,999: 0.60% annually $4,000,000 - $7,999,999: 0.50% annually $8,000,000+: 0.45% annually
$250 per hour for financial planning and retirement/pension plan consulting, billed in 15-minute increments
Fee-only: Financial planning: $250 per hour, billed in 15-minute increments; Retirement/Pension Plan Consulting: $250 per hour, billed in 15-minute increments
Main office location
Pinelight Financial PLLC
Estero FL, United States
Number of offices
2
Most active in
Pinelight Financial PLLC has reported serving >5 clients in these states in the last 12 months.
Illinois
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")