Pivotal Financial Services, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$13,829,468
This total excludes 11 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Total clients
0
Total advisors
1
of 1 employees
Firm size
Investment Manager
May not manage individual clients
Average clients per advisor
0
Average account size
—
About
Pivotal Financial Services is an investment adviser that provides fiduciary retirement-plan services to qualified plans, including 401(k), 403(b), pension and profit‑sharing plans, cash balance plans and deferred compensation arrangements, serving as either a limited‑scope ERISA 3(21) adviser or a discretionary ERISA 3(38) investment manager. The firm also offers financial planning and consulting services to clients on an hourly or fixed‑fee basis.
For plan clients Pivotal assists with investment policy statements, selection and ongoing monitoring of plan investment options and can assume discretionary authority under a 3(38) mandate; the firm documents excluded asset types and provides periodic performance reporting. Its investment analysis relies on fundamental research and published financial sources, while financial planning engagements are scoped to client needs and delivered within specified timeframes.
Noteworthy distinctions include an affiliated insurance business operated by the firm’s principal, who spends a substantial portion of time on insurance activities and may receive commissions for insurance sales; this relationship and the potential conflict of interest are disclosed and subject to firm procedures and fiduciary obligations. It is also uncommon among peers for an investment manager of this size to emphasize pension and profit‑sharing plan consulting and to offer hourly planning fees in addition to institutional plan management.
Client services
Financial planning
Pension consulting
Expertise
Retirement plans for business owners (SEP, solo 401k)
General retirement planning
Wealth management
Occupation focus
Founder/Business Owner
Fee options
Fixed fees for full financial plans range from $500 to $5,500 depending on complexity
up to 0.5% annually (negotiable)
Investment Advisor Representatives receive external compensation from sales of investment-related products such as insurance
$350 per hour for financial planning services
Fee-only: Hourly fee of $350 per hour and fixed fees between $500-$5,500 for financial planning
Main office location
Pivotal Financial Services, Inc.
Melville NY, United States
Number of offices
1
Most active in
Pivotal Financial Services, Inc. has reported serving >5 clients in these states in the last 12 months.
New York
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:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
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.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
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
Quick links
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")