Pinecone Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
0
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
0
Very LowAverage account size
—
About
Pinecone Financial is a state-registered, sole-proprietorship investment adviser that, per its brochure, provides financial planning, investment consultation, and ongoing coaching to individuals and high-net-worth clients; the firm is newly formed and currently reports no assets under management. Although classified in the investment-manager category, the disclosed services focus on one-time financial plans, hourly engagements, and ongoing planning rather than managing client accounts directly.
The firm describes an investment approach grounded in Modern Portfolio Theory and primarily practices passive investment management, constructing diversified portfolios with low-cost index mutual funds and ETFs and emphasizing long-term horizons and tax efficiency. Pinecone prepares client-specific investment policy statements and leaves trade execution and custody to clients’ chosen custodians; it does not accept custody or exercise discretionary trading authority.
Notable differences from many investment-manager peers include its fee model and operating posture: the brochure discloses fixed fees for plans, an hourly planning rate and a modest monthly coaching fee, and it does not rely on percentage-of-AUM advisory fees. The firm also operates with a single advisor and no reported clients or AUM to date, accepts modern payment methods (e.g., Square/PayPal/Venmo) for fees, and the principal maintains outside employment, factors that may influence how services are delivered.
Client services
Financial planning
Expertise
Cash flow / budgeting
Retirement income strategy
General retirement planning
General tax planning
Fee options
$1,500 fixed fee for development and delivery of a financial plan
$300 per hour for hourly financial planning engagements
Fee-only: $300 per hour for hourly financial planning; $1,500 fixed fee for financial plan; $100 per month for ongoing planning and coaching
Main office location
Pinecone Financial
Oakland CA, United States
Number of offices
1
Most active in
Pinecone Financial has reported serving >5 clients in these states in the last 12 months.
California
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 not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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