Your Financial Plan, Built Around Your Life
Every client we work with gets a plan built around their specific situation, not a template. And because Ric handles every conversation and recommendation personally, you always know exactly who you're talking to and where things stand.
What We Do
Guidance That Puts You First
A lot of people reach a point where they realize their finances have grown more complicated than their current approach can handle. We work with you to bring your finances into focus, figuring out what you have, what you need, and what a realistic path forward looks like. From there, we stay involved as your life changes, keeping your plan current and making sure you always know where things stand.
Who We Help
For People Who've Earned a Real Plan.
We work with people across a wide range of situations, but there's usually a common thread: they've reached a point in life where they want to make sure their finances are in good shape.
The Approaching Retiree
You've been saving for years and now want to make sure your plan can actually get you to retirement on your terms, without running out of income once you get there.
The Family Protector
You want to know that if something unexpected happened to you, the people who depend on you would be taken care of financially.
The Disorganized Accumulator
You have accounts, policies, and investments spread across many companies and products, and you want someone to help pull them all together into a plan that actually makes sense.
The Late Starter
You haven't focused on retirement planning as much as you would like, and want to understand where you stand and what your realistic retirement goals.
How We Help
Our Financial Solutions
We cover a range of areas, and for most clients, the work we do together touches more than one of them. Here is where we focus.
Insurance Solutions
Protecting the people who depend on you starts with having the right life insurance, disability insurance, and long-term care coverage in place before you ever need it.
Investment Management
The closer you get to retirement, the more your investments need to reflect your actual goals, your timeline, and your comfort level with risk.
Retirement Planning Strategies
Determining when you want to retire is just the starting point. We help you build a funded, workable plan to get there, including annuity options with guaranteed income riders for clients who want predictable income built into their plan.
Financial Planning and Modeling
Having your full financial picture in one place changes how you make decisions, both the ones in front of you today and the ones further down the road.
Life Insurance
Life insurance doesn't have to be complicated. We'll help you figure out what type and how much makes sense for where you are right now. box-empty
HNW Client Guidance
More wealth usually means more moving parts. We help high-net-worth clients cut through the complexity and focus on what really matters. box-empty
Extended Care Strategies
Long-term care is easy to push to the back burner. We'll help you explore your options now so it doesn't catch you off guard later. box-empty
Small Business Guidance
If you own a business, your personal and business finances are intertwined. We'll help you get both on the same page. box-empty
Social Security Strategies
When you claim Social Security and how you do it can make a real difference. We'll walk you through the scenarios so you can decide what's right for you. box-empty
Cash Flow Analysis
Before we plan for the future, let's understand the present. We'll help you get a clear picture of where your money is going — and where it could be going. box-empty
Education Strategies
Saving for education is a big priority for a lot of families. We'll help you explore your options without throwing your other goals off track. box-empty
Charitable Giving
Want to give back to a cause you care about? We'll help you do it in a way that's smart for your finances too. box-empty
Special Needs Trust
If you're planning for a loved one with special needs, we'll help you navigate the details with the care and attention your family deserves. box-empty
Debt Management
Debt doesn't define your future. We'll help you build a plan to manage it while still making progress on the things that matter. box-empty
Financial Education
We want you to understand your money, not just hand it over. We'll keep you informed and involved every step of the way. box-empty
Who We Are
Over 30 Years, and Still Here for the Long Haul
Ric Pinola has been in this industry since 1993, and Pinola Wealth Advisory has been serving clients since 2009. What has stayed the same through all of it is a simple approach: get to know the people we work with, give honest guidance, and be available when they need us.
Our Process
A Clear Path Forward
Our methodology is designed to build a plan that fits your actual life, not a generic template. Here's how we get there.
Step 1
Understand Where You Stand
We review your complete financial picture and get clear on your goals, concerns, and what you want your future to look like.
Step 2
Build a Realistic Plan
We determine what it takes to reach your goals and map out an approach that fits your situation and what you're willing to put in motion.
Step 3
Put It in Motion and Keep It Current
We implement the plan and stay involved over time, revisiting and adjusting as your goals and circumstances evolve.
Contact Us
Ready to Have a Real Conversation?
If you want a clearer picture of where you stand and what a solid plan might look like for you, we'd love to connect. Reach out to schedule a meeting with Ric, and we'll take it from there.