Q: Does Pinnacle Fund Management have custody of my assets? A: No. Each client has his or her own account, typically at Fidelity Brokerage Services, Manulife Financial, Nationwide Financial, or a similar custodian. Pinnacle Fund Management is authorized by the client to make trades in the account, deduct fees if applicable, and receive duplicate confirmations. Q: Can Pinnacle Fund Management actively manage my individual 401(k) account? A: Yes. Providing your plan offers an adequate selection of funds and has limited or no trading restrictions, we can actively manage your 401(k) account for you according to one of our five investment portfolios. Q: Can I have multiple accounts with Pinnacle Fund Management? A: Yes. Many clients have an individual brokerage account or a joint account with their spouse, a Roth or Traditional IRA, and a managed 401(k) account. We can also set up custodial accounts for children, SEP IRA’s, Simple IRA’s, and trust accounts. Q: Can I take my money out of my Pinnacle managed account? A: Absolutely. While most investments such as mutual funds, should be considered long term in nature, we can liquidate your positions at anytime, and you can withdraw any or all of your money with generally no surrender charges. However, certain mutual funds do have short term trading restrictions, which can generate redemption fees. In addition, there may be an early withdrawal penalty regarding qualified retirement accounts if a distribution is taken prior to age 591/2. Q: How is Pinnacle Fund Management compensated? A: Our clients pay us a quarterly or semi-annual fee based on the total value of their account(s) determined at the market close at then end of each quarter. We primarily manage accounts utilizing no-load funds, which typically do contain commissions or transaction costs.  Our goal is to make certain that our clients’ are always invested in the highest quality mutual funds in all market conditions. Q: Can fees be paid directly from my account? A: Clients are given the option to have their fee automatically deducted from the account each quarter or semi-annually (if allowed and determined by the custodian), or they may choose to remit payment using a check. Q: What do I do to get started? A: Call our office toll free at (800) 646-0148, and one of our Investment Advisor Representatives will assist you in determining what type of account(s) is right for you.  Next, we will mail the appropriate documentation to you, or you may visit one of our offices, and we will help you complete the paperwork. You can open most accounts with a check made payable to the brokerage firm, such as Fidelity Brokerage Services, or you may transfer assets directly from an existing broker, investment adviser or banking institution.  If you have an existing 401(k) account, which you would like us to actively manage, we will work with you to access your account on-line.