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873.vbg{position:absolute;inset:0;background:linear-gradient(145deg,var(--ink) 0%,#0C1040 60%,#192060 100%);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:1.4rem;}
874.vbg::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 80% 60% at 70% 25%,rgba(43,76,200,.35),transparent 60%),radial-gradient(ellipse 40% 50% at 20% 80%,rgba(196,129,58,.12),transparent 55%);}
875.v-label{font-size:.66rem;letter-spacing:.22em;text-transform:uppercase;color:rgba(197,205,232,.6);font-weight:600;position:relative;z-index:1}
876.play-btn{width:84px;height:84px;border-radius:50%;border:1.5px solid rgba(196,129,58,.5);background:rgba(196,129,58,.12);display:flex;align-items:center;justify-content:center;cursor:pointer;transition:all .3s var(--ease);position:relative;z-index:1;}
877.play-btn:hover{background:rgba(196,129,58,.28);transform:scale(1.06);box-shadow:0 0 40px rgba(196,129,58,.2)}
878.play-btn svg{fill:var(--bronze);width:28px;height:28px;margin-left:4px}
879.v-caption{font-family:var(--fell);font-style:italic;font-size:1rem;color:rgba(197,205,232,.55);position:relative;z-index:1}
880.stats-strip{background:var(--off-white);border:1px solid var(--linen);border-left:3px solid rgba(196,129,58,.3);border-radius:4px;padding:1.4rem 2rem;display:flex;justify-content:space-between;align-items:center;}
881.stat{text-align:center}
882.stat-n{font-family:var(--serif);font-size:2.4rem;color:var(--charcoal);font-weight:400;line-height:1}
883.stat-l{font-size:.65rem;letter-spacing:.1em;text-transform:uppercase;color:var(--stone);margin-top:5px;font-weight:500}
884.stat-div{width:1px;height:32px;background:var(--linen)}
885/* ── TRUST BAR ── */
886.trust-bar{background:var(--ink);border-top:none;border-bottom:3px solid rgba(196,129,58,.3);padding:0;overflow:hidden;position:relative;}
887.trust-bar::before{content:'';position:absolute;inset:0;background:linear-gradient(90deg,rgba(196,129,58,.06) 0%,transparent 40%,transparent 60%,rgba(196,129,58,.06) 100%);pointer-events:none;}
888.trust-ticker{display:flex;align-items:stretch;width:100%;}
889.trust-item{flex:1;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:.4rem;padding:2rem 1.8rem;border-right:1px solid rgba(197,205,232,.08);position:relative;transition:background .3s;}
890.trust-item:last-child{border-right:none}
891.trust-item:hover{background:rgba(196,129,58,.07)}
892.trust-item-number{font-family:var(--serif);font-size:2.2rem;font-weight:400;line-height:1;color:#F5A623;letter-spacing:-.02em;text-shadow:0 0 28px rgba(245,166,35,.35);}
893.trust-item-label{font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;color:rgba(197,205,232,.6);font-weight:500;text-align:center;line-height:1.55}
894.trust-item-source{font-size:.65rem;letter-spacing:.1em;text-transform:uppercase;color:rgba(245,166,35,.7);font-weight:700;margin-top:.2rem}
895.trust-item-big .trust-item-number{font-size:3.2rem;color:#F5A623;text-shadow:0 0 40px rgba(245,166,35,.55),0 0 90px rgba(245,166,35,.25);}
896/* ── PRESS BAR ── */
897.press-bar{background:var(--charcoal);border-top:none;border-bottom:1px solid rgba(197,205,232,.08);padding:2.8rem 5vw;}
898.press-bar-label{font-size:.55rem;letter-spacing:.28em;text-transform:uppercase;color:rgba(197,205,232,.35);font-weight:600;text-align:center;margin-bottom:1.8rem}
899.press-logos{display:flex;align-items:center;justify-content:center;gap:0;flex-wrap:wrap}
900.press-pub{display:flex;flex-direction:column;align-items:center;gap:.5rem;cursor:pointer;transition:all .25s;padding:1.4rem 3.5rem;border-right:1px solid rgba(197,205,232,.08);position:relative;}
901.press-pub:last-child{border-right:none}
902.press-pub:hover{background:rgba(196,129,58,.07)}
903.press-pub:hover .press-pub-name{color:var(--bronze)}
904.press-pub-name{font-family:var(--serif);font-size:1.9rem;font-weight:600;color:rgba(255,255,255,.8);letter-spacing:.01em;line-height:1;transition:color .25s}
905.press-pub-name.msn{font-family:var(--sans);font-size:1.75rem;font-weight:800;letter-spacing:-.03em;color:rgba(255,255,255,.8)}
906.press-pub-name.biz span{color:#E84040;font-weight:800}
907.press-pub-detail{font-size:.62rem;letter-spacing:.16em;text-transform:uppercase;color:rgba(197,205,232,.4);transition:color .25s}
908.press-pub:hover .press-pub-detail{color:rgba(196,129,58,.7)}
909.press-section{padding:8rem 5vw;background:var(--parchment);border-top:1px solid var(--linen)}
910.press-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem;margin-top:3rem}
911.pcard{background:var(--warm-white);border:1px solid var(--linen);border-radius:6px;padding:3rem 2.5rem;display:flex;flex-direction:column;gap:1.4rem;
911transition:box-shadow .3s,transform .3s;}
912.pcard:hover{box-shadow:var(--sh-lg);transform:translateY(-4px)}
913.pcard-pub{font-size:.68rem;letter-spacing:.18em;text-transform:uppercase;font-weight:700;color:var(--bronze)}
914.pcard-headline{font-family:var(--serif);font-size:1.3rem;font-weight:500;color:var(--charcoal);line-height:1.3}
915.pcard-quote{font-family:var(--fell);font-style:italic;font-size:1.02rem;color:var(--stone);line-height:1.78;border-left:3px solid rgba(196,129,58,.25);padding-left:1.2rem;flex:1}
916.pcard-date{font-size:.62rem;letter-spacing:.1em;text-transform:uppercase;color:var(--stone);opacity:.6}
917.audience-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;margin-top:3rem}
918.acard{background:var(--warm-white);border:1px solid var(--linen);border-radius:6px;padding:3rem 2.5rem;border-top:4px solid var(--linen);transition:border-top-color .3s,box-shadow .3s,transform .3s;}
919.acard:hover{border-top-color:var(--bronze);box-shadow:var(--sh-lg);transform:translateY(-4px)}
920.acard-icon{font-family:var(--serif);font-size:2.8rem;color:rgba(196,129,58,.3);margin-bottom:1.2rem;line-height:1}
921.acard h3{font-family:var(--serif);font-size:1.55rem;font-weight:500;color:var(--charcoal);margin-bottom:.65rem}
922.acard p{font-size:.97rem;color:var(--stone);line-height:1.85}
923.pillar{padding:3rem 2.2rem;border-top:2px solid var(--linen);transition:border-color .3s}
924.pillar:hover{border-top-color:var(--bronze)}
925.pillar-n{font-family:var(--serif);font-size:5rem;font-weight:300;color:rgba(196,129,58,.2);line-height:1;margin-bottom:.8rem}
926.pillar h3{font-family:var(--serif);font-size:1.55rem;font-weight:500;color:var(--charcoal);margin-bottom:.7rem}
927.pillar p{font-size:.97rem;color:var(--stone);line-height:1.88}
928.test-card{background:var(--warm-white);border:1px solid var(--linen);border-radius:6px;padding:3rem 2.5rem;display:flex;flex-direction:column;justify-content:space-between;transition:box-shadow .3s,transform .3s}
929.test-stars{color:#F5A623;font-size:.95rem;letter-spacing:.25em;margin-bottom:1.1rem}
930.test-q{font-family:var(--fell);font-style:italic;font-size:1.15rem;color:var(--charcoal);line-height:1.7;margin-bottom:1.5rem;flex:1}
931.test-name{font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:var(--bronze);font-weight:700}
932.test-detail{font-size:.78rem;color:var(--stone);margin-top:4px}
933.cta-banner{background:linear-gradient(160deg,#0E1340 0%,var(--ink) 50%,#1D2570 100%);padding:8rem 5vw;text-align:center;position:relative;overflow:hidden}
934.cta-banner::before{content:'';position:absolute;inset:0;pointer-events:none;background:radial-gradient(ellipse 70% 60% at 50% 110%,rgba(43,76,200,.3),transparent 65%)}
935.cta-banner .h2{color:var(--white);position:relative;z-index:1}
936.cta-banner .h2 em{color:var(--bronze)}
937.cta-banner p{color:rgba(197,205,232,.72);font-family:var(--fell);font-style:italic;font-size:1.2rem;line-height:1.8;max-width:580px;margin:1.4rem auto 2.8rem;position:relative;z-index:1}
938.cta-btns{display:flex;gap:1rem;justify-content:center;flex-wrap:wrap;position:relative;z-index:1}
939.cta-contact{display:flex;gap:2.5rem;justify-content:center;flex-wrap:wrap;margin-top:2rem;position:relative;z-index:1}
940.cta-contact a{font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:rgba(197,205,232,.45);transition:color .2s;text-decoration:none}
941.cta-contact a:hover{color:var(--bronze)}
942.about-hero{padding:80px 5vw 7rem;background:linear-gradient(160deg,#111747 0%,var(--ink) 55%,#1D2570 100%);display:grid;grid-template-columns:1fr 1fr;gap:5rem;align-items:center;min-height:70vh}
943.about-portrait{aspect-ratio:4/5;border-radius:6px;overflow:hidden;background:transparent;display:flex;align-items:center;justify-content:center;box-shadow:none;position:relative}
944.about-portrait img{width:100%;height:100%;object-fit:cover;object-position:center top;display:block;mask-image:radial-gradient(ellipse 88% 85% at 52% 42%,black 38%,transparent 78%);-webkit-mask-image:radial-gradient(ellipse 88% 85% at 52% 42%,black 38%,transparent 78%);filter:contrast(1.04) brightness(.97)}
945.portrait-placeholder{font-family:var(--serif);font-style:italic;font-size:.85rem;color:rgba(197,205,232,.3);text-align:center;padding:2rem;line-height:2}
946.values-list{display:flex;flex-direction:column;gap:0}
947.value-item{display:grid;grid-template-columns:56px 1fr;align-items:start;gap:0;padding:0;border-bottom:1px solid var(--linen);transition:background .25s}
948.value-item:first-child{border-top:1px solid var(--linen)}
949.value-item:hover{background:rgba(196,129,58,.04)}
950.vi-mark{display:flex;align-items:center;justify-content:center;width:56px;padding:1.8rem 0 1.8rem 0;font-family:var(--serif);font-size:1.5rem;color:var(--bronze);flex-shrink:0;align-self:stretch;border-right:1px solid var(--linen)}
951.value-body{padding:1.8rem 0 1.8rem 1.8rem}
952.value-item h4{font-family:var(--serif);font-size:1.35rem;font-weight:500;color:var(--charcoal);margin-bottom:.4rem;line-height:1.2}
953.value-item p{font-size:.97rem;color:var(--stone);line-height:1.85}
954.team-grid{display:flex;flex-wrap:wrap;justify-content:center;gap:1.8rem;margin-top:3.5rem}
955.tcard{flex:0 0 calc(25% - 1.35rem);text-align:center;padding:2.5rem 1.8rem;background:var(--warm-white);border:1px solid var(--linen);border-radius:6px;
955transition:box-shadow .3s,transform .3s,border-color .3s}
956.tcard:hover{box-shadow:var(--sh-lg);transform:translateY(-4px);border-color:rgba(196,129,58,.3)}
957.tav{width:96px;height:96px;border-radius:50%;margin:0 auto 1.4rem;background:linear-gradient(135deg,var(--ink),var(--sapphire));border:3px solid rgba(196,129,58,.3);display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-size:1.7rem;color:var(--bronze);box-shadow:0 4px 20px rgba(26,31,107,.18);overflow:hidden;flex-shrink:0}.tav img{width:100%;height:100%;object-fit:cover;object-position:center top;display:block;border-radius:50%}
958.tcard h4{font-family:var(--serif);font-size:1.25rem;font-weight:500;color:var(--charcoal);margin-bottom:.4rem}
959.tcard p{font-size:.88rem;color:var(--stone);line-height:1.65}
960.giving-box{background:var(--ink);border-radius:4px;padding:4.5rem 5rem;text-align:center}
961.approach-hero{padding:28px 5vw 3.5rem;background:linear-gradient(160deg,var(--parchment) 0%,var(--cream) 100%);text-align:center;border-bottom:1px solid var(--linen)}
962.process-timeline{position:relative;max-width:820px;margin:3.5rem auto 0;display:flex;flex-direction:column}
963.process-timeline::before{content:'';position:absolute;left:21px;top:0;bottom:0;width:1px;background:linear-gradient(to bottom,transparent,var(--linen) 8%,var(--linen) 92%,transparent)}
964.pstep{display:grid;grid-template-columns:44px 1fr;gap:2.5rem;padding:2.5rem 0;border-bottom:1px solid var(--linen);position:relative}
965.pstep:last-child{border-bottom:none}
966.ps-num{width:44px;height:44px;border-radius:50%;flex-shrink:0;background:var(--white);border:1.5px solid var(--bronze);display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-size:1rem;font-weight:500;color:var(--bronze);position:relative;z-index:1;transition:.3s}
967.pstep:hover .ps-num{background:var(--bronze);color:var(--white)}
968.ps-tag{display:inline-block;font-size:.56rem;letter-spacing:.16em;text-transform:uppercase;color:var(--bronze);background:rgba(196,129,58,.09);border:1px solid rgba(196,129,58,.2);padding:.18rem .55rem;border-radius:2px;margin-bottom:.5rem;font-weight:600}
969.pstep h3{font-family:var(--serif);font-size:1.3rem;font-weight:500;color:var(--charcoal);margin-bottom:.45rem}
970.pstep p{font-size:.85rem;color:var(--stone);line-height:1.85}
971.deliv-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;margin-top:3rem}
972.deliv{background:var(--warm-white);border:1px solid var(--linen);border-radius:4px;padding:2rem 1.8rem;border-top:3px solid var(--bronze)}
973.deliv h4{font-family:var(--serif);font-size:1.05rem;font-weight:500;color:var(--charcoal);margin-bottom:.45rem}
974.deliv p{font-size:.8rem;color:var(--stone);line-height:1.75}
975.compare-wrap{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--linen);border:1px solid var(--linen);border-radius:4px;overflow:hidden;margin-top:3rem}
976.compare-col{background:var(--off-white);padding:2.5rem 2.2rem;display:flex;flex-direction:column}
977.compare-col.highlight{background:var(--ink)}
978.compare-col h3{font-family:var(--serif);font-size:1.15rem;font-weight:500;margin-bottom:.5rem;color:var(--charcoal)}
979.compare-col.highlight h3{color:var(--white)}
980.compare-col .sub{font-size:.78rem;color:var(--stone);margin-bottom:1.5rem}
981.compare-col.highlight .sub{color:rgba(197,205,232,.6)}
982.compare-items{list-style:none;display:flex;flex-direction:column;gap:1rem}
983.compare-items li{display:flex;align-items:flex-start;gap:.75rem;font-size:.82rem;color:var(--stone);line-height:1.72;width:100%}.compare-items li>span:not(.ci-dot){flex:1;min-width:0}
984.compare-col.highlight .compare-items li{color:rgba(197,205,232,.8)}
985.ci-dot{width:6px;height:6px;border-radius:50%;background:var(--linen);flex-shrink:0;margin-top:.45rem}
986.compare-col.highlight .ci-dot{background:var(--bronze);box-shadow:0 0 6px rgba(196,129,58,.4)}
987.services-hero{padding:80px 5vw 6rem;background:linear-gradient(160deg,#111747 0%,var(--ink) 55%,#1D2570 100%);text-align:center;position:relative;overflow:hidden}
988.services-hero .display{color:var(--white)}
989.services-hero .display em{color:var(--bronze)}
990.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem;margin-top:3.5rem}
991.svc-card{background:var(--warm-white);border:1px solid var(--linen);border-radius:4px;padding:2.5rem 2.2rem;
991transition:box-shadow .3s,transform .3s,border-color .3s}
992.svc-card:hover{box-shadow:var(--sh-lg);transform:translateY(-4px);border-color:rgba(196,129,58,.22)}
993.svc-icon{font-family:var(--serif);font-size:2.2rem;font-weight:300;color:rgba(196,129,58,.3);margin-bottom:1rem;line-height:1}
994.svc-card h3{font-family:var(--serif);font-size:1.2rem;font-weight:500;color:var(--charcoal);margin-bottom:.6rem}
995.svc-card p{font-size:.82rem;color:var(--stone);line-height:1.8;margin-bottom:1.4rem}
996.svc-list{list-style:none;display:flex;flex-direction:column;gap:.4rem}
997.svc-list li{font-size:.75rem;color:var(--stone);padding-left:1rem;position:relative;line-height:1.5}
998.svc-list li::before{content:'◆';position:absolute;left:0;font-size:.35rem;color:var(--bronze);top:.35rem}
999.svc-feature{display:grid;grid-template-columns:1fr 1fr;gap:0;background:var(--linen);border-radius:4px;overflow:hidden;margin-top:4rem}
1000.svc-feature-text{padding:4rem;background:var(--white)}
1001.svc-feature-visual{padding:4rem;background:var(--ink);display:flex;flex-direction:column;justify-content:center;}
1002.svc-stat{margin-bottom:1.5rem}
1003.svc-stat-n{font-family:var(--serif);font-size:2.8rem;font-weight:300;color:var(--bronze);line-height:1}
1004.svc-stat-l{font-size:.65rem;letter-spacing:.1em;text-transform:uppercase;color:rgba(197,205,232,.45);margin-top:.25rem}
1005.resources-hero{padding:80px 5vw 6rem;background:linear-gradient(160deg,var(--parchment) 0%,var(--cream) 100%);border-bottom:1px solid var(--linen)}
1006.resource-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem;margin-top:3rem}
1007.rcard{background:var(--warm-white);border:1px solid var(--linen);border-radius:4px;overflow:hidden;transition:box-shadow .3s,transform .3s}
1008.rcard:hover{box-shadow:var(--sh-lg);transform:translateY(-4px)}
1009.rthumb{height:160px;background:linear-gradient(135deg,var(--ink),var(--sapphire));position:relative;display:flex;align-items:center;justify-content:center;overflow:hidden}
1010.rthumb::after{content:'';position:absolute;inset:0;background:radial-gradient(circle at 70% 30%,rgba(196,129,58,.2),transparent 60%)}
1011.rthumb-icon{font-family:var(--serif);font-size:2.5rem;color:rgba(255,255,255,.12);position:relative;z-index:1}
1012.rbody{padding:1.8rem}
1013.rtype{font-size:.58rem;letter-spacing:.18em;text-transform:uppercase;color:var(--bronze);font-weight:600;margin-bottom:.4rem}
1014.rcard h3{font-family:var(--serif);font-size:1.05rem;font-weight:500;color:var(--charcoal);margin-bottom:.5rem;line-height:1.3}
1015.rcard p{font-size:.78rem;color:var(--stone);line-height:1.7;margin-bottom:1.2rem}
1016.lead-magnet{background:var(--ink);border-radius:4px;padding:4.5rem 5rem;display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:center;margin-top:4rem}
1017.contact-hero{padding:80px 5vw 5rem;display:grid;grid-template-columns:1fr 1fr;gap:5rem;align-items:start;background:linear-gradient(160deg,var(--cream) 0%,var(--parchment) 100%)}
1018.contact-info{display:flex;flex-direction:column;gap:1.8rem;margin-top:2.5rem}
1019.ci-item{display:flex;align-items:flex-start;gap:1rem}
1020.ci-icon{width:40px;height:40px;border-radius:50%;flex-shrink:0;background:rgba(196,129,58,.09);border:1px solid rgba(196,129,58,.2);display:flex;align-items:center;justify-content:center;font-size:1rem}
1021.ci-item h4{font-size:.65rem;letter-spacing:.12em;text-transform:uppercase;font-weight:600;color:var(--charcoal);margin-bottom:.3rem}
1022.ci-item a,.ci-item p{font-size:.85rem;color:var(--stone);text-decoration:none}
1023.ci-item a{color:var(--bronze);transition:opacity .2s}
1024.ci-item a:hover{opacity:.75}
1025.intake{background:var(--warm-white);border:1px solid var(--linen);border-radius:4px;padding:3rem 2.5rem;box-shadow:var(--sh)}
1026.intake-title{font-family:var(--serif);font-size:1.55rem;font-weight:500;color:var(--charcoal);margin-bottom:.3rem}
1027.intake-sub{font-family:var(--serif);font-style:italic;font-size:.95rem;color:var(--stone);margin-bottom:2rem;line-height:1.5}
1028.step-indicator{display:flex;margin-bottom:2.5rem;position:relative}
1029.step-indicator::before{content:'';position:absolute;top:11px;left:0;right:0;height:1px;background:var(--linen);z-index:0}
1030.si-item{flex:1;display:flex;flex-direction:column;align-items:center;gap:.4rem;position:relative}
1031.si-dot{width:24px;height:24px;border-radius:50%;border:2px solid var(--linen);background:var(--white);display:flex;align-items:center;justify-content:center;font-size:.6rem;font-weight:700;color:var(--stone);position:relative;z-index:1;transition:.3s}
1032.si-item.cur .si-dot{border-color:var(--bronze);background:var(--bronze);color:var(--white)}
1033.si-item.done .si-dot{border-color:var(--ink);background:var(--ink);color:var(--white)}
1034.si-label{font-size:.56rem;letter-spacing:.08em;text-transform:uppercase;color:var(--stone);text-align:center}
1035.si-item.cur .si-label{color:var(--bronze)}
1036.fstep{display:none;flex-direction:column;gap:1.1rem}
1037.fstep.active{display:flex}
1038.fg{display:flex;flex-direction:column;gap:.4rem}
1039.fg2{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
1040.flabel{font-size:.63rem;letter-spacing:.12em;text-transform:uppercase;font-weight:600;color:var(--charcoal)}
1041.finput,.fselect,.ftextarea{background:var(--cream);border:1px solid var(--linen);border-radius:2px;padding:.8rem 1rem;font-family:var(--sans);font-size:.85rem;color:var(--charcoal);outline:none;transition:border-color .2s,box-shadow .2s}
1042.finput:focus,.fselect:focus,.ftextarea:focus{border-color:rgba(196,129,58,.5);box-shadow:0 0 0 3px rgba(196,129,58,.08)}
1043.ftextarea{resize:vertical;min-height:90px;line-height:1.6}
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1118
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1120</head>
1121<body>
1122
1123<nav id="nav">
1124  <div class="logo-wrap" onclick="go('home')">
1125    <div class="logo-main">The Pinnacle Group</div>
1126    <div class="logo-sub">Strategic Wealth Planning</div>
1127  </div>
1128  <ul class="nav-links">
1129    <li><a id="nl-home" class="active" href="#home" onclick="go('home');return false;">Home</a></li>
1130    <li><a id="nl-about" href="#about" onclick="go('about');return false;">About</a></li>
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1135    <li><a href="/faq/">FAQ</a></li>
1136    <li><a href="#the-pursuit-with-dr-pat" onclick="goToPursuit();return false;">The Pursuit with Dr. Pat®</a></li>
1137    <li><a id="nl-contact" class="nav-cta" href="#clarity-score" onclick="showQuiz();return false;">See My Leak Score →</a></li>
1138  </ul>
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1142  <a href="#home" onclick="go('home');toggleMob();return false;">Home</a>
1143  <a href="#about" onclick="go('about');toggleMob();return false;">About</a>
1144  <a href="#approach" onclick="go('approach');toggleMob();return false;">Our Approach</a>
1145  <a href="#services" onclick="go('services');toggleMob();return false;">Services</a>
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1148  <a href="/faq/">FAQ</a>
1149  <a href="#the-pursuit-with-dr-pat" onclick="goToPursuit();toggleMob();return false;">The Pursuit with Dr. Pat®</a>
1150  <a href="#clarity-score" onclick="showQuiz();toggleMob();return false;" style="color:var(--bronze);font-weight:500">See My Leak Score →</a>
1151</div>
1152
1153<!-- HOME -->
1154<div class="page active" id="p-home" style="padding-top:76px">
1155  <div class="hero">
1156    <div class="hero-text">
1157      <div class="eyebrow rv">The Pinnacle Group</div>
1158      <h1 class="display rv d1">Coordinate Different.</h1>
1159      <div class="divider rv d2"></div>
1160      <p class="italic-lead rv d2" style="max-width:540px">One team. Every expert. One strategy — built around your life.</p>
1161      <p class="italic-lead rv d2" style="max-width:540px;margin-bottom:2.5rem">We coordinate your banker, your CPA, your attorneys, and your advisors into one clear plan. Most families don't have a money problem. They have a coordination problem. And the cost of that problem compounds every year.</p>
1162      <div style="display:flex;gap:1rem;flex-wrap:wrap" class="rv d3">
1163        <button class="btn btn-bronze" onclick="go('contact')">See My Leak Score</button>
1164        <button class="btn btn-outline" onclick="go('approach')">See How It Works</button>
1165      </div>
1166    </div>
1167    <div class="hero-right rv d2">
1168      <div class="stats-strip rv d3">
1169        <div class="stat"><div class="stat-n">100K+</div><div class="stat-l">Wealth Plans</div></div>
1170        <div class="stat-div"></div>
1171        <div class="stat"><div class="stat-n">30+</div><div class="stat-l">Partnerships</div></div>
1172        <div class="stat-div"></div>
1173        <div class="stat"><div class="stat-n">100+</div><div class="stat-l">Yrs Experience</div></div>
1174        <div class="stat-div"></div>
1175        <div class="stat"><div class="stat-n">5.0★</div><div class="stat-l">Google Reviews</div></div>
1176      </div>
1177    </div>
1178  </div>
1179
1180  <div class="trust-bar">
1181    <div class="trust-ticker">
1182      <div class="trust-item">
1183        <div class="trust-item-source">MSN Money</div>
1184        <div class="trust-item-number" style="font-size:1.05rem;letter-spacing:.04em;color:rgba(255,255,255,.85)">
1184Top 10 Entrepreneurs</div>
1185        <div class="trust-item-label">Setting New Standards for Success</div>
1186      </div>
1187      <div class="trust-item">
1188        <div class="trust-item-source">J.P. Morgan</div>
1189        <div class="trust-item-number" style="font-size:1.05rem;letter-spacing:.04em;color:rgba(255,255,255,.85)">Standard of Excellence</div>
1190        <div class="trust-item-label">Award · Multiple Recipient</div>
1191      </div>
1192      <div class="trust-item trust-item-big">
1193        <div class="trust-item-number" id="ticker-10m">$36.7M+</div>
1194        <div class="trust-item-label">Running total — bank interest saved, tracked internally for our clients ('24–present)</div>
1195      </div>
1196      <div class="trust-item trust-item-big">
1197        <div class="trust-item-number">$24.6M</div>
1198        <div class="trust-item-label">211.6 years off our clients' mortgages and debt</div>
1199      </div>
1200      <div class="trust-item trust-item-big">
1201        <div class="trust-item-number" id="ticker-tax-savings">$52.3M</div>
1202        <div class="trust-item-label">Taxes saved (ongoing)</div>
1203      </div>
1204    </div>
1205  </div>
1206
1207  <div class="trust-item-label">Results may vary. These are ongoing numbers.</div>
1208
1209  <div class="press-bar">
1210    <div class="press-bar-label">As Seen In</div>
1211    <div class="press-logos">
1212      <a class="press-pub" href="https://www.msn.com/en-us/money/startup/dynamic-entrepreneurs-setting-new-standards-of-success/ar-AA21HzAF" target="_blank" rel="noopener noreferrer" style="text-decoration:none;color:inherit">
1213        <div class="press-pub-name msn">msn</div>
1214        <div class="press-pub-detail">Money · 2025 Top 10</div>
1215      </a>
1216      <a class="press-pub" href="https://ceotimes.com/arete-in-action-how-dr-pat-is-redefining-excellence-in-financial-planning/" target="_blank" rel="noopener noreferrer" style="text-decoration:none;color:inherit">
1217        <div class="press-pub-name">CEO Times</div>
1218        <div class="press-pub-detail">Feature · 2025</div>
1219      </a>
1220      <a class="press-pub" href="https://bizweekly.com/spotlight-interview-dr-pat-on-redefining-excellence-in-advanced-planning-private-wealth/" target="_blank" rel="noopener noreferrer" style="text-decoration:none;color:inherit">
1221        <div class="press-pub-name biz"><span>BIZ</span>Weekly</div>
1222        <div class="press-pub-detail">Spotlight Interview · Dec 2025</div>
1223      </a>
1224      <a class="press-pub" href="#newsroom" onclick="go('newsroom');return false;" style="text-decoration:none;color:inherit">
1225        <div class="press-pub-name">NEWSROOM</div>
1226        <div class="press-pub-detail">PRWeb · EIN Presswire · 2026</div>
1227      </a>
1228    </div>
1229  </div>
1230
1231  <section class="section">
1232    <div class="wrap">
1233      <div class="rv" style="text-align:center;margin-bottom:.5rem">
1234        <div class="eyebrow center">Who We Serve</div>
1235        <p class="italic-lead rv d2" style="max-width:560px;margin:0 auto .8rem">Built for Women in Life's Transition, specialty trades business owners — carpenters, electricians, and all the trades — and educators — wherever you are. In person in Aurora, Illinois. Virtually, in all 50 states.</p>
1236        <h2 class="h2" style="text-align:center">Built for <em>Builders.</em><br/>Whoever You Are.</h2>
1237        <p class="body" style="max-width:560px;margin:.8rem auto 0;text-align:center">Our clients share a mindset, not a demographic. They've built with intention — and they want a financial strategy that reflects that.</p>
1238      </div>
1239      <div class="audience-grid">
1240        <div class="acard rv d1" style="border-top-color:var(--bronze)">
1241          <div class="acard-icon">♀</div>
1242          <h3 style="font-size:1.45rem">Women in Life's Transition</h3>
1243          <p>Women in Life's Transition, 35–65, with $250K–$5M in net worth who want a wealth strategy as intentional as the career and life they've built.</p>
1244        </div>
1245        <div class="acard rv d2">
1246          <div class="acard-icon">◈</div>
1247          <h3>Specialty Trades</h3>
1248          <p>Specialty trades business owners — carpenters, electricians, and all the trades — who need coordinated planning across their business and personal wealth — cash flow engineering, IRA exit strategies, succession planning, and tax strategy built for complexity.</p>
1249        </div>
1250        <div class="acard rv d3" style="text-align:center">
1251          <div class="acard-icon">◇</div>
1252          <h3>Educators</h3>
1253          <p>Teachers, administrators, and school professionals who have dedicated their careers to others — and deserve a financial strategy as intentional as their life's work. Pension coordination, tax strategy, and wealth building built around the educator's financial picture.</p>
1254        </div>
1255      </div>
1256    </div>
1257  </section>
1258
1259  <section class="section" style="background:var(--parchment)">
1260    <div class="wrap-md">
1261      <div class="text-center rv">
1262        <div class="eyebrow center">Our Philosophy</div>
1263        <h2 class="h2" style="text-align:center">You Build It. <em>We Protect It.</em><br/>Together, We GIVE.BACK.®</h2>
1264      </div>
1265      <blockquote class="pull-quote rv d1">"True success isn't just about what we achieve — it's about what we give. We prioritize your experience, concierge partnership, and lasting impact over transactions."</blockquote>
1266      <p class="body rv d2">Our <strong>GIVE.BACK.®</strong> Foundation is rooted in a belief that wealth management should be transformative — not transactional.</p>
1267      <p class="body rv d2" style="margin-top:1rem">Over two decades, <strong>Dr. Pat Pachciarz®</strong> has built deep partnerships by connecting vetted experts to empower clients with advanced planning strategies that serve their whole life — and their community.</p>
1268      <div style="margin-top:2.5rem;display:flex;gap:1rem;flex-wrap:wrap" class="rv d3">
1269        <button class="btn btn-bronze" onclick="go('about')">Meet the Team</button>
1270        <button class="btn btn-outline" onclick="go('approach')">Our Approach →</button>
1271      </div>
1272    </div>
1273  </section>
1274
1275  <section class="section">
1276    <div class="wrap">
1277      <div class="text-center rv" style="margin-bottom:3.5rem">
1278        <div class="eyebrow center">What We Believe</div>
1279        <h2 class="h2" style="text-align:center">Three Pillars of the<br/><em>DAITT® Advisory Method</em><br/><span style="font-size:clamp(.9rem,1.4vw,1.2rem);font-family:var(--fell);font-style:italic;font-weight:400;color:var(--stone)">Powered by the <strong style="font-style:normal;font-family:var(--sans)">Pinnacle Decision Engineering OS™</strong></span></h2>
1280      </div>
1281      <div class="grid3">
1282        <div class="pillar rv"><div class="pillar-n">01</div><h3>Education First</h3><p>Every client deserves to understand their own financial picture completely. We lead with clarity — explaining every strategy, every structure, and every recommendation before anything is implemented.</p></div>
1283        <div class="pillar rv d1"><div class="pillar-n">02</div><h3>Coordinated Expertise</h3><p>Your private wealth advisor, tax strategist, risk management specialist, and estate planning and tax attorneys — working in concert, not in silos. One coordinated team, one strategy, one direction.</p></div>
1284        <div class="pillar rv d2"><div class="pillar-n">03</div><h3>Generational Wealth by Design</h3><p>Real wealth planning looks beyond returns. We help you build structures that protect your family, support your community, and carry your values forward — for generations.</p></div>
1285      </div>
1286    </div>
1287  </section>
1288
1289  <section class="section" style="background:var(--parchment)">
1290    <div class="wrap">
1291      <div class="text-center rv" style="margin-bottom:3rem">
1292        <div class="eyebrow center">Client Voices</div>
1293        <h2 class="h2" style="text-align:center">What Our Clients <em>Say</em></h2>
1294      </div>
1295      <div class="grid3">
1296        <div class="test-card rv"><div><div class="test-stars">★★★★★</div><p class="test-q">"Pat and his team have a great process to teach the importance of serving others to reach your goals — not only in life, but also in retirement. IRA EXIT Strategies are phenomenal. My team came out of the first meeting super excited about the next steps. Highly recommend Pinnacle Group!"</p></div><div><div class="test-name">Business Owner &amp; Team Leader</div><div class="test-detail">Google Review · 5 Stars</div></div></div>
1297        <div class="test-card rv d1"><div><div class="test-stars">★★★★★</div><p class="test-q">"As seasoned investors and professionals, we highly recommend Pinnacle to anyone interested in building lasting wealth. Their team of professionals are truly the best we have worked with in the financial industry. We have already implemented several strategies according to our unique goals and look forward to a more financially secure future."</p></div><div><div class="test-name">Seasoned Investors &amp; Professionals</div><div class="test-detail">Google Review · 5 Stars</div></div></div>
1298        <div class="test-card rv d2"><div><div class="test-stars">★★★★★</div><p class="test-q">"Pat is exceptionally knowledgeable and takes a comprehensive approach — he carefully examines the full financial picture and breaks down complex topics into easy-to-understand pieces. There's no one-size-fits-all strategy. My family is certainly better off since taking his advice."</p></div><div><div class="test-name">Family &amp; Retirement Planning Client</div><div class="test-detail">Google Review · 5 Stars</div></div></div>
1299      </div>
1300      <div style="text-align:center;margin-top:2.5rem" class="rv">
1301        <a href="https://g.co/kgs/cH4en3x" target="_blank" class="btn btn-ghost-bronze">View All Google Reviews →</a>
1302      </div>
1303    </div>
1304  </section>
1305
1306  <!-- PRESS SECTION -->
1307  <section class="press-section" id="press-section">
1308    <div class="wrap">
1309      <div class="text-center rv">
1310        <div class="eyebrow center">Media &amp; Recognition</div>
1311        <h2 class="h2" style="text-align:center">Dr. Pat Pachciarz® <em>As Featured In</em></h2>
1312        <p class="body" style="max-width:540px;margin:.8rem auto 0;text-align:center">Recognized by leading business publications for redefining excellence in advanced planning, private wealth management, and the DAITT® Advisory Method.</p>
1313      </div>
1314      <div class="press-grid">
1315        <a href="https://www.msn.com/en-us/money/startup/dynamic-entrepreneurs-setting-new-standards-of-success/ar-AA21HzAF" target="_blank" rel="noopener noreferrer" class="pcard rv" style="text-decoration:none;color:inherit">
1316          <div class="pcard-pub">msn · Money</div>
1317          <div class="pcard-headline">Dynamic Entrepreneurs Setting New Standards of Success</div>
1318          <p class="pcard-quote">"Creator of the DAITT® Advisory Method, modernizing family-office wealth strategy for everyday households — families don't fall behind because they lack income; they struggle when no one coordinates the full financial picture."</p>
1319          <div class="pcard-date">2025 Top 10 · Published April 25, 2026</div>
1320        </a>
1321        <a href="https://ceotimes.com/arete-in-action-how-dr-pat-is-redefining-excellence-in-financial-planning/" target="_blank" rel="noopener noreferrer" class="pcard rv d1" style="text-decoration:none;color:inherit">
1322          <div class="pcard-pub">CEO Times · Feature</div>
1323          <div class="pcard-headline">Arete in Action: How Dr. Pat Pachciarz® Is Redefining Excellence in Financial Planning</div>
1324          <p class="pcard-quote">"His GIVE.BACK.® philosophy — that if he cannot prove financial improvement in writing, the client doesn't pay — is a radical approach in an industry often criticized for lack of transparency."</p>
1325          <div class="pcard-date">2025 · JPMorgan Standard of Excellence Award Recipient</div>
1326        </a>
1327        <a href="https://bizweekly.com/spotlight-interview-dr-pat-on-redefining-excellence-in-advanced-planning-private-wealth/" target="_blank" rel="noopener noreferrer" class="pcard rv d2" style="text-decoration:none;color:inherit">
1328          <div class="pcard-pub">BIZWeekly · Spotlight Interview · Dec 2025</div>
1329          <div class="pcard-headline">Dr. Pat Pachciarz® on Redefining Excellence in Advanced Planning &amp; Private Wealth</div>
1330          <p class="pcard-quote">"A simple case suddenly becomes a high-value planning opportunity. And clients feel it immediately: Clarity. Savings. Direction. Confidence."</p>
1331          <div class="pcard-date">December 2025</div>
1332        </a>
1333      </div>
1334      <div style="margin-top:3.5rem;background:var(--ink);border-radius:4px;padding:2.5rem 3rem;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:2rem" class="rv">
1335        <div>
1336          <div style="font-size:.58rem;letter-spacing:.2em;text-transform:uppercase;color:rgba(197,205,232,.45);font-weight:600;margin-bottom:.4rem">MSN Money · Published April 25, 2026</div>
1337          <div style="font-family:var(--serif);font-size:1.3rem;font-weight:400;color:var(--white);line-height:1.2"><strong>MSN Money</strong> 2025 Top 10 Entrepreneurs:<br/>Setting New Standards for Success</div>
1338          <a href="https://www.msn.com/en-us/money/startup/dynamic-entrepreneurs-setting-new-standards-of-success/ar-AA21HzAF" target="_blank" rel="noopener noreferrer" style="font-size:.75rem;color:rgba(197,205,232,.6);text-decoration:underline">Read on MSN →</a>
1339        </div>
1340        <div style="width:1px;height:48px;background:rgba(197,205,232,.12)"></div>
1341        <div>
1342          <div style="font-size:.58rem;letter-spacing:.2em;text-transform:uppercase;color:rgba(197,205,232,.45);font-weight:600;margin-bottom:.4rem">CEO Times · 2025</div>
1343          <div style="font-family:var(--serif);font-size:1.3rem;font-weight:400;color:var(--white);line-height:1.2"><strong>CEO Times</strong> — Featured</div>
1344        </div>
1345        <div style="width:1px;height:48px;background:rgba(197,205,232,.12)"></div>
1346        <div>
1347          <div style="font-size:.58rem;letter-spacing:.2em;text-transform:uppercase;color:rgba(197,205,232,.45);font-weight:600;margin-bottom:.4rem">BIZWeekly · Dec 2025</div>
1348          <div style="font-family:var(--serif);font-size:1.3rem;font-weight:400;color:var(--white);line-height:1.2"><strong>BIZWeekly</strong> — Spotlight Interview</div>
1349        </div>
1350        <div style="width:1px;height:48px;background:rgba(197,205,232,.12)"></div>
1351        <div>
1352          <div style="font-size:.58rem;letter-spacing:.2em;text-transform:uppercase;color:rgba(197,205,232,.45);font-weight:600;margin-bottom:.4rem">Award Recognition</div>
1353          <div style="font-family:var(--serif);font-size:1.3rem;font-weight:400;color:var(--white);line-height:1.2"><strong>J.P. Morgan</strong> Standard of Excellence</div>
1354          <div style="font-size:.75rem;color:rgba(197,205,232,.5);margin-top:.3rem">Multiple Recipient</div>
1355        </div>
1356        <div style="width:1px;height:48px;background:rgba(197,205,232,.12)"></div>
1357        <div>
1358          <div style="font-size:.58rem;letter-spacing:.2em;text-transform:uppercase;color:rgba(197,205,232,.45);font-weight:600;margin-bottom:.4rem">Philosophy</div>
1359          <div style="font-family:var(--serif);font-size:1.3rem;font-weight:400;color:var(--white);line-height:1.2"><strong>GIVE.BACK.®</strong></div>
1360          <div style="font-size:.75rem;color:rgba(197,205,232,.5);margin-top:.3rem">If we can't find it or explicitly show you, you don't pay.</div>
1361        </div>
1362        <button class="btn btn-bronze" onclick="showQuiz()">See My Leak Score →</button>
1363      </div>
1364    </div>
1365  </section>
1366
1367  <div class="cta-banner">
1368    <h2 class="h2 rv" style="color:var(--white)">Ready to Work With a Team<br/><em>Built Around Your Life?</em></h2>
1369    <p class="rv d1">A complimentary, no-pressure call to explore what's possible for your wealth. We listen first — always.</p>
1370    <div class="cta-btns rv d2">
1371      <button class="btn btn-bronze" onclick="go('contact')">See My Leak Score</button>
1372      <button class="btn btn-outline-w" onclick="go('services')">Explore Our Services</button>
1373    </div>
1374    <div class="cta-contact rv d3">
1375      <a href="tel:+18154860722">☎ 815-486-0722</a>
1376      <a href="mailto:[email protected]">✉ [email protected]</a>
1377    </div>
1378  </div>
1379</div>
1380
1381<!-- ABOUT -->
1382<div class="page" id="p-about" style="padding-top:76px">
1383  <div class="about-hero">
1384    <div class="rv">
1385      <div class="eyebrow" style="color:rgba(197,205,232,.55)">Our Story</div>
1386      <h2 class="display rv d1" style="color:var(--white)">Two Decades of<br/><em>Giving First.</em></h2>
1387      <div class="divider rv d2"></div>
1388      <p class="body rv d2" style="color:rgba(197,205,232,.68)">The Pinnacle Group was founded by <strong>Dr. Pat Pachciarz®</strong>, CEPA®, CPT, CNC — on one guiding principle: that true success is measured not just by what we build, but by what we GIVE.BACK.®. A Certified Exit Planning Advisor (CEPA®) and former J.P. Morgan Private Client Group advisor, Dr. Pat Pachciarz® serves clients in Aurora, Illinois, with the proprietary DAITT® Advisory Method.</p>
1389      <p class="body rv d2" style="color:rgba(197,205,232,.68);margin-top:1rem">A former J.P. Morgan Private Client Group advisor with over two decades in private wealth management, <strong>Dr. Pat Pachciarz®</strong> brings the depth of institutional expertise and the heart of a servant leader to every engagement.</p>
1390      <ul class="rv d2" style="margin-top:1.5rem;list-style:none;display:flex;flex-direction:column;gap:.75rem">
1391        <li style="color:rgba(197,205,232,.75);font-size:.85rem;display:flex;gap:.8rem;align-items:flex-start"><span style="color:var(--bronze);margin-top:2px">◆</span><span><strong style="color:var(--white)">MSN Money</strong> — 2025 Top 10 Entrepreneurs: Setting New Standards for Success (published April 25, 2026) · <a href="https://www.msn.com/en-us
1391/money/startup/dynamic-entrepreneurs-setting-new-standards-of-success/ar-AA21HzAF" target="_blank" rel="noopener noreferrer" style="color:var(--bronze);text-decoration:underline">Read on MSN →</a></span></li>
1392        <li style="color:rgba(197,205,232,.75);font-size:.85rem;display:flex;gap:.8rem;align-items:flex-start"><span style="color:var(--bronze);margin-top:2px">◆</span><span>Featured in <strong style="color:var(--white)">CEO Times</strong> and <strong style="color:var(--white)">BIZWeekly</strong></span></li>
1393        <li style="color:rgba(197,205,232,.75);font-size:.85rem;display:flex;gap:.8rem;align-items:flex-start"><span style="color:var(--bronze);margin-top:2px">◆</span><span>Multiple <strong style="color:var(--white)">J.P. Morgan</strong> Standard of Excellence Award Recipient</span></li>
1394        <li style="color:rgba(197,205,232,.75);font-size:.85rem;display:flex;gap:.8rem;align-items:flex-start"><span style="color:var(--bronze);margin-top:2px">◆</span><span>Master's in Personal Financial Planning, College for Financial Planning — in progress (2026–2028)</span></li>
1395        <li style="color:rgba(197,205,232,.75);font-size:.85rem;display:flex;gap:.8rem;align-items:flex-start"><span style="color:var(--bronze);margin-top:2px">◆</span><span>Founder, <strong style="color:var(--white)">Pinnacle Academy™</strong> — Excellence in Habits</span></li>
1396        <li style="color:rgba(197,205,232,.75);font-size:.85rem;display:flex;gap:.8rem;align-items:flex-start"><span style="color:var(--bronze);margin-top:2px">◆</span><span>Chairman, <strong style="color:var(--white)">GIVE.BACK.®</strong> Foundation</span></li>
1397      </ul>
1398      <button class="btn btn-outline-w rv d3" style="margin-top:2rem" onclick="go('contact')">See My Leak Score →</button>
1399    </div>
1400    <div class="about-portrait rv d2">
1401      <img src="/images/dr-pat-pachciarz-jill-sage.jpg" loading="lazy" decoding="async" alt="Dr. Pat Pachciarz® and Jill Sage, PMP® — The Pinnacle Group team" style="width:100%;height:100%;object-fit:cover;object-position:center top;display:block;"/>
1402    </div>
1403  </div>
1404
1405  <section class="section" style="background:var(--cream)">
1406    <div class="wrap">
1407      <div class="rv" style="text-align:center;margin-bottom:4rem">
1408        <div class="eyebrow center">What Guides Us</div>
1409        <h2 class="h2" style="text-align:center">Our Core <em>Values</em></h2>
1410        <div class="divider center"></div>
1411        <p class="body" style="max-width:520px;margin:.8rem auto 0;text-align:center">These aren't words on a wall. They're the commitments that shape every recommendation, every relationship, and every result we deliver.</p>
1412      </div>
1413      <div style="display:grid;grid-template-columns:1fr 1fr;gap:1.5rem" class="rv d1">
1414        <div class="value-item" style="border-top:1px solid var(--linen);border-radius:6px;overflow:hidden;background:var(--warm-white)">
1415          <div class="vi-mark">◆</div>
1416          <div class="value-body">
1417            <h4>A Standard of Excellence</h4>
1418            <p>We operate at the highest professional standard — every engagement, every time.</p>
1419          </div>
1420        </div>
1421        <div class="value-item" style="border-top:1px solid var(--linen);border-radius:6px;overflow:hidden;background:var(--warm-white)">
1422          <div class="vi-mark">◆</div>
1423          <div class="value-body">
1424            <h4>Do the Right Thing</h4>
1425            <p>Fiduciary commitment isn't a checkbox — it's the foundation of every recommendation we make.</p>
1426          </div>
1427        </div>
1428        <div class="value-item" style="border-top:1px solid var(--linen);border-radius:6px;overflow:hidden;background:var(--warm-white)">
1429          <div class="vi-mark">◆</div>
1430          <div class="value-body">
1431            <h4>Family First</h4>
1432            <p>We plan for your whole life — wealth, health, legacy, and the people who matter most.</p>
1433          </div>
1434        </div>
1435        <div class="value-item" style="border-top:1px solid var(--linen);border-radius:6px;overflow:hidden;background:var(--warm-white)">
1436          <div class="vi-mark">◆</div>
1437          <div class="value-body">
1438            <h4>Servant Leadership</h4>
1439            <p>We lead with optimism, faith, and a genuine desire to see our clients and communities flourish.</p>
1440          </div>
1441        </div>
1442      </div>
1443    </div>
1444  </section>
1445
1446  <section class="section" style="background:linear-gradient(160deg,#111747 0%,var(--ink) 55%,#1D2570 100%)">
1447    <div class="wrap">
1448      <div class="rv" style="text-align:center;margin-bottom:1rem">
1449        <div class="eyebrow center" style="color:rgba(197,205,232,.55);justify-content:center">
1449The People</div>
1450        <h2 class="h2" style="text-align:center;color:var(--white)">Meet the Team <em style="color:var(--bronze)">Behind the Strategy</em></h2>
1451        <p class="body" style="margin-top:1rem;max-width:560px;margin-left:auto;margin-right:auto;text-align:center;color:rgba(197,205,232,.65)">Over 100 combined years of private wealth experience. Each person on this team was chosen not just for their expertise, but for their commitment to putting clients first.</p>
1452      </div>
1453      <div class="team-grid">
1454        <div class="tcard rv" style="background:rgba(255,255,255,.06);border-color:rgba(197,205,232,.12);border-top:3px solid var(--bronze);cursor:pointer" onclick="openBio('drpat')"><div class="tav"><img src="/images/team-dr-pat-pachciarz.jpg" loading="lazy" decoding="async" alt="Dr. Pat Pachciarz®, CEPA® — Founder &amp; CEO, The Pinnacle Group"/></div><h4 style="color:var(--white)">Dr. Pat Pachciarz®</h4><p style="color:rgba(197,205,232,.65)">Dr. Pat Pachciarz®, CEPA®, CPT, CNC<br/>Founder &amp; CEO, Pinnacle Group<br/>&amp; Pinnacle Private Wealth<br/>Founder, Pinnacle Academy™<br/>Chairman, GIVE.BACK.® Foundation<br/>Your private wealth advisor and tax strategist — and the coordinator who brings your banker, your CPA, your attorneys, and your advisors into one clear plan.</p><p style="color:rgba(197,205,232,.65);margin-top:1rem">Most people first knew him as an athlete — captain of the men's basketball team at the University of St. Francis, then a shooting instructor for the Chicago Bulls Training Academy and the National Association of Basketball Coaches, whose early-2000s videos still teach players how to shoot. Basketball lit his love of fitness, and fitness is the door that led to everything he built next.</p></div>
1455        <div class="tcard rv d1" style="background:rgba(255,255,255,.06);border-color:rgba(197,205,232,.12);border-top:3px solid var(--bronze);cursor:pointer" onclick="openBio('jill')"><div class="tav"><img src="/images/team-jill-sage.jpg" loading="lazy" decoding="async" alt="Jill Sage, PMP® — Chief Business Strategist"/></div><h4 style="color:var(--white)">Jill Sage, PMP®</h4><p style="color:rgba(197,205,232,.65)">Chief Business Strategist</p></div>
1456        <div class="tcard rv d2" style="background:rgba(255,255,255,.06);border-color:rgba(197,205,232,.12);cursor:pointer" onclick="openBio('razel')"><div class="tav"><img src="/images/team-razel-esco.jpg" alt="Razel Esco — Chief of Staff &amp; COO" loading="lazy"/></div><h4 style="color:var(--white)">Razel Esco</h4><p style="color:rgba(197,205,232,.65)">Chief of Staff &amp; Chief Operating Officer, Fractional</p></div>
1457        <div class="tcard rv d3" style="background:rgba(255,255,255,.06);border-color:rgba(197,205,232,.12);cursor:pointer" onclick="openBio('judy')"><div class="tav"><img src="/images/team-judy-matugas.jpg" loading="lazy" decoding="async" alt="Judy Matugas"></div><h4 style="color:var(--white)">Judy Matugas</h4><p style="color:rgba(197,205,232,.65)">Chief Marketing Officer, Fractional</p></div>
1458        <div class="tcard rv" style="background:rgba(255,255,255,.06);border-color:rgba(197,205,232,.12);border-top:3px solid var(--sapphire)"><div class="tav">CTO</div><h4 style="color:var(--white)">Fractional CTO</h4><p style="color:rgba(197,205,232,.65)">Strategic technology leadership. Architecting the systems, automation, and digital infrastructure behind Pinnacle’s client experience and operations.</p></div>
1459        <div class="tcard rv d1" style="background:rgba(255,255,255,.06);border-color:rgba(197,205,232,.12);border-top:3px solid var(--sapphire)"><div class="tav">SP</div><h4 style="color:var(--white)">Strategic Partners</h4><p style="color:rgba(197,205,232,.65)">A trusted network of specialists — tax, legal, insurance, and lending — coordinated by Pinnacle to deliver a fully integrated advisory experience.</p></div>
1460      </div>
1461    </div>
1462  </section>
1463
1464  <section class="section">
1465    <div class="wrap">
1466      <div class="giving-box rv">
1467        <div class="eyebrow center" style="justify-content:center;margin-bottom:1rem">Our Foundation</div>
1468        <h2 class="h2" style="color:var(--white);text-align:center">The <em>GIVE.BACK.®</em> Foundation</h2>
1469        <p class="body" style="color:rgba(197,205,232,.68);max-width:680px;margin:1.5rem auto;text-align:center;line-height:1.9"><strong>Dr. Pat Pachciarz®</strong> serves as Chairman of the <strong>GIVE.BACK.®</strong> Foundation — built on a simple belief that growing together and g
1469iving back aren't separate goals, they're the same one.</p>
1470        <p class="body" style="color:rgba(197,205,232,.68);max-width:680px;margin:1rem auto;text-align:center;line-height:1.9">We tithe a portion of every engagement to charitable organizations across the Heart of America.</p>
1471        <p class="body" style="color:rgba(197,205,232,.68);max-width:680px;margin:1rem auto;text-align:center;line-height:1.9">When you work with Pinnacle, your wealth plan is part of something larger than a portfolio.</p>
1472        <div style="display:flex;gap:1rem;justify-content:center;flex-wrap:wrap;margin-top:2rem">
1473          <button class="btn btn-bronze" onclick="go('contact')">See My Leak Score</button>
1474        </div>
1475      </div>
1476    </div>
1477  </section>
1478
1479  <div class="cta-banner">
1480    <h2 class="h2 rv" style="color:var(--white)">Ready to Work with a Team<br/>That's <em>Invested in Your Legacy?</em></h2>
1481    <p class="rv d1">Schedule your complimentary Clarity Call — no obligation, just a real conversation.</p>
1482    <div class="cta-btns rv d2"><button class="btn btn-bronze" onclick="go('contact')">See My Leak Score</button></div>
1483  </div>
1484</div>
1485
1486<!-- APPROACH -->
1487<div class="page" id="p-approach" style="padding-top:76px">
1488  <div class="approach-hero">
1489    <div class="wrap-sm">
1490      <div class="eyebrow center rv">Dr. Pat Pachciarz®'s Proprietary Methodology</div>
1491      <h2 class="display rv d1" style="text-align:center">The DAITT®<br/><em>Advisory Method</em></h2>
1492      <div class="divider center rv d2"></div>
1493      <p class="italic-lead rv d2" style="text-align:center">A disciplined, systems-driven methodology — not generic advice. The DAITT® Advisory Method is Dr. Pat Pachciarz®'s registered framework for engineering measurable financial outcomes across every dimension of your wealth picture: Debt Optimization, Advanced Planning Architecture, Private Wealth Investments, Tax Strategy &amp; Planning, and Trust &amp; Estate Planning.</p>
1494    </div>
1495  </div>
1496
1497  <section class="section">
1498    <div class="wrap">
1499      <div class="rv">
1500        <div class="eyebrow">The DAITT® Framework</div>
1501        <h2 class="h2">From First Conversation<br/>to <em>Fully Engineered Strategy</em></h2>
1502        <p class="body" style="margin-top:.8rem;max-width:620px">DAITT® represents the five disciplines Dr. Pat Pachciarz® engineers across every client engagement: <strong>Debt Optimization, Advanced Planning Architecture, Private Wealth Investments, Tax Strategy &amp; Planning,</strong> and <strong>Trust &amp; Estate Planning</strong>. Every engagement moves through each dimension — nothing siloed, nothing left behind.</p>
1503      </div>
1504      <div class="process-timeline">
1505        <div class="pstep rv"><div class="ps-num">1</div><div><div class="ps-tag">D — Debt Optimization</div><h3>Cash-Flow Engineering</h3><p>We begin where most advisors never go — your cash flow. Debt is not just a liability; it's a lever. We engineer your debt structure, eliminate drag, and redirect cash flow toward compounding strategies that accelerate wealth building from the ground up.</p></div></div>
1506        <div class="pstep rv"><div class="ps-num">2</div><div><div class="ps-tag">A — Advanced Planning Architecture</div><h3>Total Picture Assessment</h3><p>We map your complete financial landscape — income structure, tax positioning, investment alignment, insurance coverage, estate documents, and legacy intentions.</p><p style="margin-top:.8rem">The <strong>Pinnacle Decision Engineering OS™</strong> runs silently behind every analysis, surfacing leakage and sequencing opportunities no single advisor could identify alone.</p></div></div>
1507        <div class="pstep rv"><div class="ps-num">3</div><div><div class="ps-tag">I — Private Wealth Investments</div><h3>Capital Deployed with Purpose</h3><p>Investment strategy at Pinnacle is not about chasing returns — it's about deploying capital as a tax tool and a wealth-building instrument. Whether that means investing back into your business, real estate, private markets, or a tailored portfolio — every dollar is positioned with intention and coordinated across your full financial picture.</p></div></div>
1508        <div class="pstep rv"><div class="ps-num">4</div><div><div class="ps-tag">T — Tax Strategy &amp;
1508 Planning</div><h3>Year-Round Proactive Tax Engineering</h3><p>Working alongside your CPAs, enrolled agents, and tax attorneys, Dr. Pat Pachciarz® coordinates a year-round proactive tax strategy — not a once-a-year filing conversation. Every major financial decision is stress-tested for tax impact before it's made, not after.</p></div></div>
1509        <div class="pstep rv"><div class="ps-num">5</div><div><div class="ps-tag">T — Trust &amp; Estate Planning</div><h3>A LIVING TRUST STRATEGY</h3><p>A living estate strategy — included in your <strong>Pinnacle Private Wealth</strong> engagement and reviewed alongside your plan annually.</p><p style="margin-top:.8rem">This includes a Revocable Living Trust, Last Will &amp; Testament, Medical Power of Attorney, Financial Power of Attorney, and Deed Retitling — coordinated and maintained as your life evolves.</p><p style="margin-top:.8rem">Five to ten years from retirement? See <a href="https://drpat.co/pre-retirement-planning/" style="color:var(--bronze)">what to do before you retire, including trust planning →</a></p></div></div>
1510      </div>
1511    </div>
1512  </section>
1513
1514  <section class="section" style="background:var(--parchment)">
1515    <div class="wrap">
1516      <div class="text-center rv">
1517        <div class="eyebrow center">What You Receive</div>
1518        <h2 class="h2" style="text-align:center">Your <em>Pinnacle Wealth Blueprint</em> — The Deliverable</h2>
1519        <p class="body" style="max-width:580px;margin:.8rem auto 0;text-align:center">Every engagement produces one structured, client-ready document. Not a stack of reports — a single, clear picture of your financial future.</p>
1520      </div>
1521      <div class="deliv-grid">
1522        <div class="deliv rv"><h4>Financial Opportunity Map</h4><p>Every identified opportunity for efficiency — across taxes, fees, insurance, and structural positioning — with estimated annual impact.</p></div>
1523        <div class="deliv rv d1"><h4>Strategic Decision Sequence</h4><p>A ranked, time-ordered action plan: exactly what to do first, second, and third — and why the sequence matters for compounding your outcomes.</p></div>
1524        <div class="deliv rv d2"><h4>What You Keep Calculation</h4><p>After taxes, fees, and structural inefficiencies — exactly how much wealth is retained under each scenario. Current vs. engineered, side by side.</p></div>
1525        <div class="deliv rv"><h4>Legacy Architecture Overview</h4><p>Estate and trust structures, beneficiary alignment, and charitable giving strategy — ensuring your values are protected and your legacy is intentional.</p></div>
1526        <div class="deliv rv d1"><h4>Cost of Waiting Analysis</h4><p>A quantified model showing the real dollar impact of delaying key financial decisions — grounded in math, not urgency.</p></div>
1527        <div class="deliv rv d2"><h4>Financial Scoreboard</h4><p>An ongoing performance dashboard tracking your wealth health across key indicators — accountability and measurable progress, every quarter.</p></div>
1528      </div>
1529    </div>
1530  </section>
1531
1532  <section class="section-sm" style="background:var(--ink)">
1533    <div class="wrap">
1534      <div class="grid2 rv">
1535        <div>
1536          <div class="eyebrow" style="color:rgba(197,205,232,.5)">Powered By</div>
1537          <h2 class="h2" style="color:var(--white)">Pinnacle Decision<br/><em>Engineering OS™</em></h2>
1538          <div class="divider"></div>
1539          <p style="color:rgba(197,205,232,.65);font-size:.88rem;line-height:1.9">Behind every <strong>DAITT®</strong> engagement runs the <strong>Pinnacle Decision Engineering OS™</strong> — a proprietary platform built entirely on financial engineering principles.</p>
1540          <p style="color:rgba(197,205,232,.65);font-size:.88rem;line-height:1.9;margin-top:1rem">It orchestrates AI-powered analysis, leakage detection, sequencing strategy, and client-ready outputs — so <strong>Dr. Pat Pachciarz®</strong> can deliver superhuman advisory capability with a fully human face.</p>
1541        </div>
1542        <div style="display:flex;flex-direction:column;gap:1rem">
1543          <div style="background:rgba(43,76,200,.2);border:1px solid rgba(43,76,200,.35);border-radius:4px;padding:1.5rem 1.8rem">
1544            <div style="font-size:.58rem;letter-spacing:.18em;text-transform:uppercase;color:var(--bronze);font-weight:600;margin-bottom:.4rem">Leakage Scanner</div>
1545            <p style="font-size:.8rem;color:rgba(197,205,232,.65);line-height:1.65">Surfaces hidden costs, tax inefficiencies, and structural waste eroding your wealth — automatically.</p>
1546          </div>
1547          <div style="background:rgba(43,76,200,.2);border:1px solid rgba(43,76,200,.35);border-radius:4px;padding:1.5rem 1.8rem">
1548            <div style="font-size:.58rem;letter-spacing:.18em;text-transform:uppercase;color:var(--bronze);font-weight:600;margin-bottom:.4rem">Sequence Engine</div>
1549            <p style="font-size:.8rem;color:rgba(197,205,232,.65);line-height:1.65">Ranks and orders every financial decision by impact and dependency — generating your optimized action roadmap.</p>
1550          </div>
1551          <div style="background:rgba(43,76,200,.2);border:1px solid rgba(43,76,200,.35);border-radius:4px;padding:1.5rem 1.8rem">
1552            <div style="font-size:.58rem;letter-spacing:.18em;text-transform:uppercase;color:var(--bronze);font-weight:600;margin-bottom:.4rem">What You Keep Calculator™</div>
1553            <p style="font-size:.8rem;color:rgba(197,205,232,.65);line-height:1.65">Computes net retained wealth after all taxes, fees, and structural inefficiencies — 
1553current vs. engineered, side by side.</p>
1554          </div>
1555        </div>
1556      </div>
1557    </div>
1558  </section>
1559
1560  <section class="section">
1561    <div class="wrap">
1562      <div class="text-center rv" style="margin-bottom:2.5rem">
1563        <div class="eyebrow center">What Makes Us Different</div>
1564        <h2 class="h2" style="text-align:center">A Practice Built for <em>Your Complexity</em></h2>
1565      </div>
1566      <div class="compare-wrap rv">
1567        <div class="compare-col">
1568          <h3>Traditional Approach</h3>
1569          <p class="sub">Siloed advisors · Franchise model portfolios · Value rarely shown to you in writing</p>
1570          <ul class="compare-items">
1571            <li><span class="ci-dot"></span>Siloed specialists with no shared strategy — each advisor works in isolation</li>
1572            <li><span class="ci-dot"></span>Standardized, off-the-shelf portfolios — the same allocation for thousands of clients</li>
1573            <li><span class="ci-dot"></span>Surface-level tax discussion only — advisors legally cannot give tax advice or strategy</li>
1574            <li><span class="ci-dot"></span>Estate documents are outside scope — cannot create or review them</li>
1575            <li><span class="ci-dot"></span>No specialist coordination unless you pay separately for each relationship</li>
1576            <li><span class="ci-dot"></span>Reactive to market and life events — cash flow engineering not included</li>
1577            <li><span class="ci-dot"></span>Annual review, generic agenda — no personalized planning calendar</li>
1578          </ul>
1579        </div>
1580        <div class="compare-col highlight">
1581          <h3>The Pinnacle Way</h3>
1582          <p class="sub">One coordinated team · Value shown to you in writing before you hire us · If we can't find it or explicitly show you, you don't pay.</p>
1583          <ul class="compare-items">
1584            <li><span class="ci-dot"></span><span>One coordinated team — <strong>Dr. Pat Pachciarz®</strong> coordinates your Private Banker, CPA, Tax Planning Attorney, Estate Planning Attorney, Private Wealth Advisor, and Risk Management Specialist</span></li>
1585            <li><span class="ci-dot"></span><span>Tailored investment strategy built around your whole life — reinvesting in your business, real estate, private markets, or portfolio — 
1585capital deployed with purpose</span></li>
1586            <li><span class="ci-dot"></span><span>Year-round proactive tax optimization with CPAs, enrolled agents, and tax planning attorneys — every decision stress-tested before it's made</span></li>
1587            <li><span class="ci-dot"></span><span>Living estate strategy included: Revocable Living Trust, Last Will &amp; Testament, Medical POA, Financial POA, and Deed Retitling — reviewed annually</span></li>
1588            <li><span class="ci-dot"></span><span><strong>Dr. Pat Pachciarz®</strong> coordinates all communications — one point of contact, zero gaps</span></li>
1589            <li><span class="ci-dot"></span><span>Proactive planning ahead of every major decision — each client receives their own personalized family planning calendar</span></li>
1590          </ul>
1591        </div>
1592      </div>
1593
1594      <p class="body rv" style="margin-top:2.5rem"><strong>The difference, in one line.</strong> We explicitly show you our value, in writing, before you hire us. If we can't find it or explicitly show you, you don't pay.</p>
1595
1596      <p class="body rv" style="margin-top:3rem">There are several ways to work with us and pay, chosen around what you need from DAITT®. What never changes is the order: we find the value and show it to you first, and then you decide.</p>
1597
1598
1599      <div style="text-align:center;margin-top:3rem" class="rv">
1600        <button class="btn btn-bronze" onclick="go('contact')">See My Leak Score →</button>
1601      </div>
1602    </div>
1603  </section>
1604
1605  <section class="section">
1606    <div class="wrap-md">
1607      <h2 class="h2 rv">The Stranded Value We Rescue</h2>
1608      <p class="body rv d1" style="margin-top:1.8rem">Most families don't have a bad-investment problem. They have a stranded-value problem.</p>
1609      <p class="body rv d1" style="margin-top:1rem">Stranded value is money that's yours — sitting where you can't reach it. Tax strategies nobody claimed because nobody looked before April. Interest paid to banks that could have been compounding for the family. Insurance, investments, and estate plans working against each other instead of together.</p>
1610      <p class="body rv d1" style="margin-top:1rem">It doesn't disappear. It just sits there — year after year — because no one advisor sees the whole board.</p>
1611      <p class="body rv d2" style="margin-top:1.8rem">Three places it hides most:</p>
1612      <ul class="compare-items rv d2" style="margin-top:1rem">
1613        <li><span class="ci-dot"></span><span><strong>Unclaimed tax strategy.</strong> The return gets filed. The planning never happens. What's never engineered is never recovered.</span></li>
1614        <li><span class="ci-dot"></span><span><strong>Debt drag.</strong> Interest leaves the family every month with nothing to show for it. Restructured, that same cash flow becomes compounding capital.</span></li>
1615        <li><span class="ci-dot"></span><span><strong>Siloed experts.</strong> The CPA doesn't talk to the advisor. The advisor doesn't talk to the attorney. The family pays for the silence — twice.</span></li>
1616      </ul>
1617      <p class="body rv d3" style="margin-top:1.8rem">We coordinate the experts who can reach it. That's the whole model: find what's stranded, engineer the rescue, prove it in writing.</p>
1618    </div>
1619  </section>
1620
1621
1622  <section class="section" id="the-pursuit-with-dr-pat" style="background:var(--parchment)">
1623    <div class="wrap">
1624      <div class="text-center rv">
1625        <h2 class="h2" style="text-align:center">The Pursuit with Dr. Pat®</h2>
1626        <p class="body" style="max-width:680px;margin:.8rem auto 0;text-align:center">Long-form conversations with the leaders, visionaries, and change-makers redefining purpose, wealth, and impact. New episodes land on YouTube — watch them all here.</p>
1627      </div>
1628      <div class="podcast-list">
1629        <a class="podcast-episode rv" href="https://www.youtube.com/watch?v=how3zd7BRzM" target="_blank" rel="noopener noreferrer"><span class="podcast-number">1.</span><span class="podcast-title">Why Most People Feel Stuck Financially — And How to Fix the System | with Tracie Hulbert</span></a>
1630        <a class="podcast-episode rv d1" href="https://www.youtube.com/watch?v=WXGnjiVevnA" target="_blank" rel="noopener noreferrer"><span class="podcast-number">2.</span><span class="podcast-title">What Happens When Life Takes EVERYTHING From You at Once? | Kashaun Parker</span></a>
1631        <a class="podcast-episode rv" href="https://www.youtube.com/watch?v=5loEdZPvQBU" target="_blank" rel="noopener noreferrer"><span class="podcast-number">3.</span><span class="podcast-title">The Real Reason You Can't Lose Weight (It's Not What You Think) | Jose Mendieta</span></a>
1632        <a class="podcast-episode rv d1" href="https://www.youtube.com/watch?v=OTmbNoK1lwo" target="_blank" rel="noopener noreferrer"><span class="podcast-number">4.</span><span class="podcast-title">Why Can't You Heal What You're Not Willing to Feel? | Dr. Marty K. Casey</span></a>
1633        <a class="podcast-episode rv" href="https://www.youtube.com/watch?v=26T3j4urWHI" target="_blank" rel="noopener noreferrer"><span class="podcast-number">5.</span><span class="podcast-title">A.T.T.I.T.U.D.E. — The 8-Letter Framework Behind 602 Wins &amp; 8 Halls of Fame | Coach Pat Sullivan</span></a>
1634        <a class="podcast-episode rv d1" href="https://www.youtube.com/watch?v=xx55Z774HIg" target="_blank" rel="noopener noreferrer"><span class="podcast-number">6.</span><span class="podcast-title">After 25 Years In Wellness, She Said This Is What Everyone Gets Wrong | Lexie Dendrinelis</span></a>
1635        <a class="podcast-episode rv" href="https://www.youtube.com/watch?v=YkcwNUPIZi8" target="_blank" rel="noopener noreferrer"><span class="podcast-number">7.</span><span class="podcast-title">Why High Performers Quietly Fall Apart Behind Closed Doors | Sarah Shortridge</span></a>
1636        <a class="podcast-episode rv d1" href="https://www.youtube.com/watch?v=y9HC-Zl6AWc" target="_blank" rel="noopener noreferrer"><span class="podcast-number">8.</span><span class="podcast-title">The Choice That Defined 36 Years Behind Bars | Judy Henderson</span></a>
1637        <a class="podcast-episode rv" href="https://www.youtube.com/watch?v=jMxKjOWs2A4" target="_blank" rel="noopener noreferrer"><span class="podcast-number">9.</span><span class="podcast-title">Why the Future of Life Insurance Belongs to Builders, Not Sellers. | Javaughn Spencer</span></a>
1638        <a class="podcast-episode rv d1" href="https://www.youtube.com/watch?v=iYLtsC8hL7g" target="_blank" rel="noopener noreferrer"><span class="podcast-number">10.</span><span class="podcast-title">The Two Paths Of The AI Revolution — And The One Most Operators Miss | Michael Benso</span></a>
1639        <a class="podcast-episode rv" href="https://www.youtube.com/watch?v=VAp96H-oAFU" target="_blank" rel="noopener noreferrer"><span class="podcast-number">11.</span><span class="podcast-title">She Walked Away From a National Brand. Here's Why. | Jessica Cooke</span></a>
1640        <a class="podcast-episode rv d1" href="https://www.youtube.com/watch?v=SX7C1xeHzAU" target="_blank" rel="noopener noreferrer"><span class="podcast-number">12.</span><span class="podcast-title">They Spent 50 Years In Big Pharma — Then Built This Water | Erik Loomis &amp; Dr. Satinder Bharaj</span></a>
1641        <a class="podcast-episode rv" href="https://www.youtube.com/watch?v=zaC_BIXpgoU" target="_blank" rel="noopener noreferrer"><span class="podcast-number">13.</span><span class="podcast-title">A Trafficking Survivor Explains How Predators Target Your Kids | Meredith Seithel</span></a>
1642        <a class="podcast-episode rv d1" href="https://www.youtube.com/watch?v=z2GaiDA5aAs" target="_blank" rel="noopener noreferrer"><span class="podcast-number">14.</span><span class="podcast-title">What Every Parent Gets Wrong About "Lazy" Kids | Dr. Amy Porter</span></a>
1643        <a class="podcast-episode rv" href="https://www.youtube.com/watch?v=IJC
1643MdB4Owlw" target="_blank" rel="noopener noreferrer"><span class="podcast-number">15.</span><span class="podcast-title">5 Things Every Family Needs Before an Alzheimer's Diagnosis | Laura LaMarca</span></a>
1644        <a class="podcast-episode rv d1" href="https://www.youtube.com/watch?v=v5GvWJz5R5Q" target="_blank" rel="noopener noreferrer"><span class="podcast-number">16.</span><span class="podcast-title">Why a Layoff Became a Family Protection Business | Dr. Guy Danhoff</span></a>
1645        <a class="podcast-episode rv" href="https://www.youtube.com/watch?v=T-yGSMffwWs" target="_blank" rel="noopener noreferrer"><span class="podcast-number">17.</span><span class="podcast-title">The $30,000 Tax Mistake Nobody Caught | Amanda Hill, CPA</span></a>
1646        <a class="podcast-episode rv d1" href="https://www.youtube.com/watch?v=gVr3-xTwpc0" target="_blank" rel="noopener noreferrer"><span class="podcast-number">18.</span><span class="podcast-title">Why This Founder Tells People NOT to Start a Business | Rich Lustfeldt</span></a>
1647        <a class="podcast-episode rv" href="https://www.youtube.com/watch?v=axhnAvbqEJE" target="_blank" rel="noopener noreferrer"><span class="podcast-number">19.</span><span class="podcast-title">Why Winners Say They Can (And Losers Don't) | Thomas Blackwell</span></a>
1648        <a class="podcast-episode rv d1" href="https://www.youtube.com/watch?v=t5UfK5Dh9m4" target="_blank" rel="noopener noreferrer"><span class="podcast-number">20.</span><span class="podcast-title">Rejected By Every University. Now She's Grateful For It | Jennifer Bardot</span></a>
1649      </div>
1650      <div class="text-center rv">
1651        <a class="podcast-cta" href="https://www.youtube.com/playlist?list=PLqDnLeuaNk3R5gdNwh3rnA4lzN2EvHIeM" target="_blank" rel="noopener noreferrer">Watch the full playlist on YouTube →</a>
1652      </div>
1653    </div>
1654  </section>
1655
1656
1657  <!-- AEO FAQ — DAITT® Method -->
1658  <section class="section" style="background:var(--parchment)">
1659    <div class="wrap-md">
1660      <div class="eyebrow rv center" style="justify-content:center">Frequently Asked Questions</div>
1661      <h2 class="h2 rv d1" style="text-align:center">Common Questions About the<br/><em>DAITT® Advisory Method</em></h2>
1662      <p class="body rv d2" style="text-align:center;margin:.8rem auto 0;max-width:580px">Answered by Dr. Pat Pachciarz®, CEPA® — Founder &amp; CEO, The Pinnacle Group</p>
1663      <div style="margin-top:3rem;display:flex;flex-direction:column;gap:1.2rem" class="rv">
1664        <div style="background:var(--warm-white);border:1px solid var(--linen);border-radius:4px;padding:2rem 2.2rem;border-left:3px solid var(--bronze)">
1665          <h3 class="h3" style="font-size:1.05rem;margin-bottom:.7rem">What does DAITT® stand for?</h3>
1666          <p class="body">DAITT® — pronounced "date" — is a registered methodology built on five coordinated wealth disciplines: <strong>D</strong> — Debt Optimization; <strong>A</strong> — Advanced Planning; <strong>I</strong> — Private Wealth Investments; <strong>T</strong> — Tax Strategy and Tax Filing; <strong>T</strong> — Trust Planning. Every Pinnacle engagement moves through all five in order — nothing siloed, nothing skipped.</p>
1667        </div>
1668        <div style="background:var(--warm-white);border:1px solid var(--linen);border-radius:4px;padding:2rem 2.2rem;border-left:3px solid var(--bronze)">
1669          <h3 class="h3" style="font-size:1.05rem;margin-bottom:.7rem">Why does the DAITT® sequence matter?</h3>
1670          <p class="body">Order is the strategy. Debt is optimized first because freed cash flow funds everything downstream. Advanced planning comes second because the full picture determines where capital goes. Investments follow because portfolio strategy should serve your tax and estate goals — not sit apart from them. Tax strategy runs year-round because decisions made without tax awareness cost more. Trust planning completes it because protection is the point of everything built before it.</p>
1671        </div>
1672        <div style="background:var(--warm-white);border:1px solid var(--linen);border-radius:4px;padding:2rem 2.2rem;border-left:3px solid var(--bronze)">
1673          <h3 class="h3" style="font-size:1.05rem;margin-bottom:.7rem">What is the Pinnacle Decision Engineering OS™?</h3>
1674          <p class="body">The Pinnacle Decision Engineering OS™ is a proprietary platform that runs behind every DAITT® engagement. It orchestrates AI-powered analysis, leakage detection (surfacing hidden fees, tax inefficiencies, and structural waste), sequencing strategy (ranking every financial decision by impact and dependency), and client-ready outputs. It is what allows Dr. Pat Pachciarz® to deliver institutional-level advisory capability — with the value shown to you in writing before you ever hire us.</p>
1675        </div>
1676        <div style="background:var(--warm-white);border:1px solid var(--linen);border-radius:4px;padding:2rem 2.2rem;border-left:3px solid var(--bronze)">
1677          <h3 class="h3" style="font-size:1.05rem;margin-bottom:.7rem">How is cash flow engineering different from debt consolidation?</h3>
1678          <p class="body">Debt consolidation reduces your number of payments. Cash flow engineering restructures your entire cash flow — eliminating drag, lowering your cost of capital, and redirecting freed dollars into compounding strategies. The goal isn't fewer payments. It's more wealth, faster.</p>
1679        </div>
1680        <div style="background:var(--warm-white);border:1px solid var(--linen);border-radius:4px;padding:2rem 2.2rem;border-left:3px solid var(--bronze)">
1681          <h3 class="h3" style="font-size:1.05rem;margin-bottom:.7rem">How do you pronounce DAITT®?</h3>
1682          <p class="body">Like "date." <strong>D</strong> — Debt Optimization; <strong>A</strong> — Advanced Planning; <strong>I</strong> — Private Wealth Investments; <strong>T</strong> — Tax Strategy and Tax Filing; <strong>T</strong> — Trust Planning.</p>
1683        </div>
1684        <div style="background:var(--warm-white);border:1px solid var(--linen);border-radius:4px;padding:2rem 2.2rem;border-left:3px solid var(--bronze)">
1685          <h3 class="h3" style="font-size:1.05rem;margin-bottom:.7rem">How does The Pinnacle Group charge for financial planning?</h3>
1686          <p class="body">We explicitly show you our value, in writing, before you hire us. If we can't find it or explicitly show you, you don't pay. There are several ways to work with us and pay, chosen around what you need from DAITT®. Price isn't the point; the value you can see is.</p>
1687          <p class="body" style="margin-top:1rem">If we can't find it or explicitly show you, you don't pay.</p>
1688          <h4 class="h3" style="font-size:1.05rem;margin-top:1.5rem;margin-bottom:1rem">She picked the starting line. Then she kept asking for the next one.</h4>
1689          <p class="body">&quot;A recent client asked what it costs to work with us. We told her it depends on what we're working on. She said: start with taxes.&quot;</p>
1690          <p class="body" style="margin-top:1rem">&quot;Layer one — taxes. We found $37,426 she'd already overpaid, plus another $12,112 at risk without proper tax sequencing. We showed it to her in writing. She said: &quot;Okay, we'll keep going.&quot;&quot;</p>
1691          <p class="body" style="margin-top:1rem">&quot;Layer two — debt. $227,516 the old structure was leaving on the table. Found, shown, documented.&quot;</p>
1692          <p class="body" style="margin-top:1rem">&quot;Layer three — investments. She didn't want to change investments. She just wanted to understand what they were costing her. Same investments, about half a percent less in internal 
1692costs — no tech fee, no platform fee. Another $4,318 a year back in her pocket.&quot;</p>
1693          <p class="body" style="margin-top:1rem">&quot;That's <strong>$281,372</strong> in value found and shown — and she asked for every layer herself.&quot;</p>
1694          <p class="body" style="margin-top:1rem">&quot;Now we're on layer four — her trust and advanced planning.&quot;</p>
1695          <p class="body" style="margin-top:1rem">&quot;Nobody sold her the next step. Each layer proved the last one, and she kept going. That's why people want a system and a method — and that's why we built the DAITT® Advisory Method. Several experts built this with us; our job as coordinator is making sure the plan actually gets executed. We anchored our cost against that $281,372. If we can't find it or explicitly show you, you don't pay.&quot;</p>
1696        </div>
1697      </div>
1698      <p class="body" style="text-align:center;margin-top:2rem"><a href="/faq/" style="color:var(--bronze);font-weight:600;text-decoration:none">See all our FAQs — fees, inheritance, widowhood, divorce, and life transitions →</a></p>
1699      <p class="body" style="text-align:center;margin-top:.8rem">Going through a divorce? <a href="https://drpat.co/divorce-financial-planning/" style="color:var(--bronze);font-weight:600;text-decoration:none">Divorce financial planning: QDROs, QILDROs, the house and taxes →</a> · Retiring in the next 5–10 years? <a href="https://drpat.co/pre-retirement-planning/" style="color:var(--bronze);font-weight:600;text-decoration:none">Pre-retirement planning →</a></p>
1700    </div>
1701  </section>
1702
1703  <div class="cta-banner">
1704    <h2 class="h2 rv" style="color:var(--white)">Ready for a Strategy as<br/><em>Intentional as You Are?</em></h2>
1705    <p class="rv d1">Your DAITT® Clarity Call is complimentary and commitment-free.</p>
1706    <div class="cta-btns rv d2">
1707      <button class="btn btn-bronze" onclick="go('contact')">See My Leak Score</button>
1708      <button class="btn btn-outline-w" onclick="go('services')">Explore Services First</button>
1709    </div>
1710  </div>
1711</div>
1712
1713<!-- SERVICES -->
1714<div class="page" id="p-services" style="padding-top:76px">
1715  <div class="services-hero">
1716    <div class="wrap">
1717      <div class="eyebrow center rv" style="color:rgba(197,205,232,.55);justify-content:center">What We Do</div>
1718      <h2 class="display rv d1" style="text-align:center">Every Discipline.<br/><em>One Strategy.</em></h2>
1719      <p class="italic-lead rv d2" style="color:rgba(197,205,232,.68);max-width:620px;margin:1.5rem auto 0;text-align:center">Serving Aurora, Illinois, in person — and all 50 states virtually.</p>
1720      <p class="italic-lead rv d2" style="color:rgba(197,205,232,.68);max-width:620px;margin:1.5rem auto 0;text-align:center">We don't offer products. We engineer outcomes — by coordinating every expert across your financial life into a single, coherent strategy. Our DAITT® service architecture covers cash flow engineering, advanced risk management, private wealth investments, proactive tax strategy, trust &amp; estate planning, Medicare &amp; health planning, business owner solutions, and DIY planning engagements — serving clients in Aurora, Illinois.</p>
1721    </div>
1722  </div>
1723
1724  <section class="section">
1725    <div class="wrap">
1726      <div class="eyebrow rv">The DAITT® Service Architecture</div>
1727      <h2 class="h2 rv d1">Built in Order.<br/><em>Engineered Together.</em></h2>
1728      <p class="body rv d2" style="max-width:620px;margin-top:.8rem">Every service follows the <strong>DAITT®</strong> sequence — because order matters. Cash flow is engineered first, planning architecture is built second, and every decision downstream is better because of what came before it.</p>
1729      <div class="svc-grid" style="margin-top:3rem">
1730
1731        <div class="svc-card rv">
1732          <div class="svc-icon">◌</div>
1733          <div class="ps-tag" style="margin-bottom:.6rem">D — Debt Optimization</div>
1734          <h3>Cash Flow Engineering</h3>
1735          <p>We begin where most advisors never go — your cash flow. Debt is not just a liability; it's a lever. We engineer your debt structure, eliminate drag, and redirect capital toward compounding strategies.</p>
1736          <p style="margin-top:.7rem">
1736Cash flow is the foundation everything else is built on.</p>
1737          <ul class="svc-list"><li>Debt restructuring &amp; elimination strategy</li><li>Cash flow modeling &amp; optimization</li><li>Business owner cash flow architecture</li><li>Capital redeployment sequencing</li></ul>
1738        </div>
1739
1740        <div class="svc-card rv d1">
1741          <div class="svc-icon">◈</div>
1742          <div class="ps-tag" style="margin-bottom:.6rem">A — Advanced Planning Architecture</div>
1743          <h3>Advanced Risk Management Architecture</h3>
1744          <p>Insurance as a strategic asset — not a product. We design protection structures that preserve wealth, transfer risk, and create tax-efficient vehicles for growth.</p>
1745          <p style="margin-top:.7rem">Life insurance is an asset class — tax-free cash flow when designed correctly.</p>
1746          <ul class="svc-list"><li>Life insurance as an asset class</li><li>Tax-free cash flow strategies</li><li>Disability income protection</li><li>Key person &amp; buy-sell coverage</li><li>Long-term care solutions</li></ul>
1747        </div>
1748
1749        <div class="svc-card rv d2">
1750          <div class="svc-icon">◉</div>
1751          <div class="ps-tag" style="margin-bottom:.6rem">I — Private Wealth Investments</div>
1752          <h3>Private Wealth Investments</h3>
1753          <p>Investment strategy built around your whole life — not a generic allocation model. Whether reinvesting in your business, real estate, private markets, or a tailored portfolio — every dollar deployed with intention.</p>
1754          <ul class="svc-list"><li>Personalized portfolio construction</li><li>Risk-aligned investment strategy</li><li>Alternative investments access</li><li>Business reinvestment strategy</li><li>Ongoing performance monitoring</li></ul>
1755        </div>
1756
1757        <div class="svc-card rv">
1758          <div class="svc-icon">§</div>
1759          <div class="ps-tag" style="margin-bottom:.6rem">T — Tax Strategy &amp; Planning</div>
1760          <h3>Tax Strategy &amp; Planning</h3>
1761          <p>Year-round tax engineering — not just filing. Working alongside your CPAs, enrolled agents, and tax planning attorneys, we identify every legal opportunity to reduce your burden and keep more of what you earn.</p>
1762          <ul class="svc-list"><li>Proactive annual tax planning</li><li>IRA Exit &amp; distribution strategies</li><li>Business owner tax structures</li><li>Asset draw order optimization</li><li>Social Security timing strategy</li></ul>
1763        </div>
1764
1765        <div class="svc-card rv d1">
1766          <div class="svc-icon">⊕</div>
1767          <div class="ps-tag" style="margin-bottom:.6rem">T — Trust &amp; Estate Planning</div>
1768          <h3>Trust &amp; Estate Planning</h3>
1769          <p>A LIVING TRUST STRATEGY — included in your <strong>Pinnacle Private Wealth</strong> engagement and reviewed alongside your plan annually.</p>
1770          <p style="margin-top:.7rem">Protecting what you've built — with intention and precision.</p>
1771          <ul class="svc-list"><li>Revocable Living Trust</li><li>Last Will &amp; Testament</li><li>Medical &amp; Financial Power of Attorney</li><li>Deed Retitling</li><li>Beneficiary alignment &amp; review</li></ul>
1772          <p style="margin-top:.7rem"><a href="https://drpat.co/pre-retirement-planning/" style="color:var(--bronze)">Pre-retirement planning: trust, income and health coverage before you retire →</a></p>
1773        </div>
1774
1775        <div class="svc-card rv d2">
1776          <div class="svc-icon">◐</div>
1777          <h3>Medicare &amp; Health Planning</h3>
1778          <p>Navigating healthcare costs and coverage with the same precision we apply to every other element of your financial life — because your health is your greatest asset.</p>
1779          <ul class="svc-list"><li>Medicare Part A, B, C, D strategy</li><li>Supplement plan analysis</li><li>Retirement healthcare cost modeling</li><li>The Full Life Readiness Score™</li></ul>
1780        </div>
1781
1782        <div class="svc-card rv" style="border-top:2px solid var(--bronze)">
1783          <div class="svc-icon">❋</div>
1784          <h3>Business Owner Solutions</h3>
1785          <p>For the business owner who needs a modern-day CFO engineering model — coordinated across every dimension of their business and personal wealth.</p>
1786          <ul class="svc-list">
1787            <li>Buy/sell agreements &amp; key employee strategies</li>
1788            <li>Cash flow engineering for seasonal businesses</li>
1789            <li>Tax strategy &amp; business entity optimization</li>
1790            <li>Succession planning &amp; IRA exit strategy</li>
1791            <li><strong>
1791Strategic Capital Architecture™</strong> — sale-leaseback structures, business collateral lending, non-recourse financing (no personal liability — doesn't affect your debt-to-income)</li>
1792            <li>Working capital solutions for seasonal revenue cycles</li>
1793          </ul>
1794        </div>
1795
1796        <div class="svc-card rv d1" style="background:var(--parchment);border:1px solid var(--linen)">
1797          <div class="svc-icon">◇</div>
1798          <h3>DIY Planning Engagement</h3>
1799          <p>For the self-directed person who wants to get off to the right start — and let compounding work for them.</p>
1800          <p style="margin-top:.7rem">We want to put you in the best possible position — even if you never become a full client.</p>
1801          <ul class="svc-list">
1802            <li>Tax planning strategy &amp; investment allocation</li>
1803            <li>Top 7 questions to ask your own advisor</li>
1804            <li>Personalized sequencing roadmap</li>
1805          </ul>
1806          <div style="margin-top:1.2rem;padding:1rem 1.2rem;background:var(--white);border:1px solid var(--linen);border-radius:4px">
1807            <div style="font-size:.75rem;color:var(--stone)">One-time engagement. One clear plan. Ongoing accountability available — to anchor behavioral drift and prevent tax leakage.</div>
1808          </div>
1809        </div>
1810
1811      </div>
1812    </div>
1813  </section>
1814
1815  <div class="cta-banner">
1816    <h2 class="h2 rv" style="color:var(--white)">Every Service. <em>One Strategy.</em><br/>Built Around Your Life.</h2>
1817    <p class="rv d1">Start with your Leak Score — 7 questions, no obligation, no pitch.</p>
1818    <div class="cta-btns rv d2">
1819      <button class="btn btn-bronze" onclick="showQuiz()">See My Leak Score →</button>
1820      <button class="btn btn-outline-w" onclick="go('approach')">See Our Process First</button>
1821    </div>
1822  </div>
1823</div>
1824
1825<!-- RESOURCES -->
1826<div class="page" id="p-resources" style="padding-top:76px">
1827  <div class="resources-hero">
1828    <div class="wrap">
1829      <div class="eyebrow rv">Knowledge Center</div>
1830      <h2 class="display rv d1">Education Is the<br/><em>Foundation.</em></h2>
1831      <div class="divider rv d2"></div>
1832      <p class="italic-lead rv d2" style="max-width:580px">The more we give you, the more empowered you are — even if you stay where you are. All we're here to do is give you education. Access Dr. Pat Pachciarz®'s weekly intellectual capital series, decade-by-decade planning guides, The Sequencing Map™, The What You Keep Calculator™, The Full Life Readiness Score™, and the Pinnacle Academy™ curriculum.</p>
1833    </div>
1834  </div>
1835
1836  <!-- CLARITY STARTER KIT -->
1837  <section class="section-sm">
1838    <div class="wrap">
1839      <div class="lead-magnet rv">
1840        <div>
1841          <div class="eyebrow" style="color:rgba(197,205,232,.55)">Join the Waitlist</div>
1842          <h2 class="h2" style="color:var(--white)">The Pinnacle<br/><em>Clarity Starter Kit</em></h2>
1843          <p style="color:rgba(197,205,232,.65);font-size:.85rem;line-height:1.9;margin-top:1rem">Three foundational tools — because our brain thinks in threes, and these three will change how you see your financial life:</p>
1844          <ul style="list-style:none;margin-top:1.2rem;display:flex;flex-direction:column;gap:1.1rem">
1845            <li style="color:rgba(197,205,232,.8);font-size:.85rem">
1846              <strong style="color:var(--white);display:block;margin-bottom:.25rem">The Wealth Clarity Checklist</strong>
1847              Because most people don't have a clear picture of where they actually stand — until they do.
1848            </li>
1849            <li style="color:rgba(197,205,232,.8);font-size:.85rem">
1850              <strong style="color:var(--white);display:block;margin-bottom:.25rem">Trust &amp; Estate Readiness Self-Assessment</strong>
1851              Because your estate is more than a will. This shows you exactly where the gaps are before they become problems — covering asset protection, probate readiness, and what happens to what you've built.
1852            </li>
1853            <li style="color:rgba(197,205,232,.8);font-size:.85rem">
1854              <strong style="color:var(--white);display:block;margin-bottom:.25rem">The Top 7 Questions Every Person Should Ask Their Financial Advisor</strong>
1855              Whether you work with us or not. The more you know, the better every conversation gets. Knowledge is the point.
1856            </li>
1857          </ul>
1858        </div>
1859        <div style="display:flex;flex-direction:column;gap:.9rem">
1860          <form id='starter-kit-form' method='POST' name='clarity-starter-kit-waitlist' style='display:flex;flex-direction:column;gap:.9rem;margin:0'>
1861            <input type="hidden" name="form-name" value="clarity-starter-kit-waitlist"/>
1862            <p style="display:none"><label>Don't fill this out: <input name="bot-field"/></label></p>
1863            <input type="text" name="first-name" class="finput" placeholder="Your first name" style="background:rgba(255,255,255,.07);border:1px solid rgba(197,205,232,.2);color:var(--white)" id="lm-name" required/>
1864            <input type="email" name="email" class="finput" placeholder="Your email address" style="background:rgba(255,255,255,.07);border:1px solid rgba(197,205,232,.2);color:var(--white)" id="lm-email" required/>
1865            <button type="submit" class="btn btn-bronze" style="justify-content:center">Join the Waitlist →</button>
1866            <p style="font-size:.62rem;color:rgba(197,205,232,.3);letter-spacing:.05em;text-align:center;margin:0">No spam. Unsubscribe at any time.</p>
1867          </form>
1868          <div id="starter-kit-confirmation" style="display:none;background:rgba(255,255,255,.04);border:1px solid rgba(197,205,232,.2);border-radius:4px;padding:1.5rem">
1869            <div class="eyebrow" style="color:var(--bronze);margin-bottom:.6rem">
1869You're on the list</div>
1870            <p style="color:rgba(197,205,232,.85);font-size:.9rem;line-height:1.7;margin:0">You're on the list, <strong id="sk-conf-name" style="color:var(--white)"></strong>. The Pinnacle Clarity Starter Kit is in final production. We'll send it to <strong id="sk-conf-email" style="color:var(--white)"></strong> the moment it's ready.</p>
1871          </div>
1872        </div>
1873      </div>
1874    </div>
1875  </section>
1876
1877  <!-- DECADE PLANNING -->
1878  <section class="section" style="background:var(--parchment)">
1879    <div class="wrap">
1880      <div class="text-center rv" style="margin-bottom:1rem">
1881        <div class="eyebrow center">Where Are You Now?</div>
1882        <h2 class="h2" style="text-align:center">Planning by <em>Decade</em></h2>
1883        <p class="body" style="max-width:580px;margin:.8rem auto 0;text-align:center">You're never behind. You're one discussion away from the right sequencing.</p>
1884        <blockquote style="font-family:var(--fell);font-style:italic;font-size:1.1rem;color:var(--charcoal);margin:1.5rem auto;max-width:580px;border-left:2px solid var(--bronze);padding-left:1.5rem;text-align:left">"Comparison is the thief of joy. You're never behind — you're one discussion away from the right sequencing."</blockquote>
1885      </div>
1886      <div class="grid3" style="margin-top:2rem">
1887        <div class="card rv"><div style="font-family:var(--serif);font-size:1.8rem;color:var(--bronze);margin-bottom:.5rem">20s</div><h4 style="font-family:var(--serif);font-size:1.1rem;color:var(--charcoal);margin-bottom:.5rem">Start Right. Let Compounding Work.</h4><p class="body" style="font-size:.82rem">DIY planning, first income strategy, avoiding the debt traps, Roth foundation, and the most powerful tool you have: time.</p></div>
1888        <div class="card rv d1"><div style="font-family:var(--serif);font-size:1.8rem;color:var(--bronze);margin-bottom:.5rem">30s</div><h4 style="font-family:var(--serif);font-size:1.1rem;color:var(--charcoal);margin-bottom:.5rem">Build the Foundation.</h4><p class="body" style="font-size:.82rem">House planning, new kids, growing income, first tax strategy conversation, life insurance architecture, and protecting what you're building.</p></div>
1889        <div class="card rv d2"><div style="font-family:var(--serif);font-size:1.8rem;color:var(--bronze);margin-bottom:.5rem">40s</div><h4 style="font-family:var(--serif);font-size:1.1rem;color:var(--charcoal);margin-bottom:.5rem">Optimize Everything.</h4><p class="body" style="font-size:.82rem">Paying down the house, cash flow optimization, tax planning in earnest, business growth, and starting to think about what retirement actually looks like.</p></div>
1890        <div class="card rv"><div style="font-family:var(--serif);font-size:1.8rem;color:var(--bronze);margin-bottom:.5rem">50s</div><h4 style="font-family:var(--serif);font-size:1.1rem;color:var(--charcoal);margin-bottom:.5rem">Peak Years. Peak Planning.</h4><p class="body" style="font-size:.82rem">Retirement sequencing, estate planning, IRA exit strategy, legacy architecture — peak earning years deserve peak planning. <a href="https://drpat.co/pre-retirement-planning/" style="color:var(--bronze)">The 5–10 year pre-retirement checklist →</a></p></div>
1891        <div class="card rv d1"><div style="font-family:var(--serif);font-size:1.8rem;color:var(--bronze);margin-bottom:.5rem">60s</div><h4 style="font-family:var(--serif);font-size:1.1rem;color:var(--charcoal);margin-bottom:.5rem">Distribution by Design.</h4><p class="body" style="font-size:.82rem">Medicare strategy, tax distribution planning, Social Security timing, generational wealth transfer, and protecting everything you've built.</p></div>
1892        <div class="card rv d2"><div style="font-family:var(--serif);font-size:1.8rem;color:var(--bronze);margin-bottom:.5rem">70s</div><h4 style="font-family:var(--serif);font-size:1.1rem;color:var(--charcoal);margin-bottom:.5rem">Protect. Preserve. Pass On.</h4><p class="body" style="font-size:.82rem">Trust &amp; estate repurposing, probate avoidance, privacy, asset protection. What is a full retirement? <a href="https://drpat.co" target="_blank" style="color:var(--bronze)">Explore at DrPat.co →</a></p></div>
1893        <div class="card rv" style="grid-column:1/-1;background:var(--ink);color:var(--white);text-align:center">
1894          <div style="font-family:var(--serif);font-size:1.8rem;color:var(--bronze);margin-bottom:.5rem">80s &amp; 90s</div>
1895          <h4 style="font-family:var(--serif);font-size:1.2rem;color:var(--white);margin-bottom:.5rem">A Full Life. Not Just a Full Portfolio.</h4>
1896          <p style="font-size:.85rem;color:rgba(197,205,232,.7);max-width:600px;margin:0 auto">Time with family. Legacy living. The gift of wisdom. The money was never the point — it was always the vehicle.</p>
1897          <div style="margin-top:1.2rem;display:flex;justify-content:center;gap:1.5rem;flex-wrap:wrap">
1898            <div style="font-size:.75rem;color:rgba(197,205,232,.6)">◆ Faith</div>
1899            <div style="font-size:.75rem;color:rgba(197,205,232,.6)">◆ Family</div>
1900            <div style="font-size:.75rem;color:rgba(197,205,232,.6)">◆ Fitness</div>
1901            <div style="font-size:.75rem;color:rgba(197,205,232,.6)">◆ Finances</div>
1902            <div style="font-size:.75rem;color:rgba(197,205,232,.6)">◆ Freedom</div>
1903          </div>
1904        </div>
1905      </div>
1906    </div>
1907  </section>
1908
1909  <!-- RESOURCE TOOLS -->
1910  <section class="section">
1911    <div class="wrap">
1912      <div class="eyebrow rv">Tools &amp; Resources</div>
1913      <h2 class="h2 rv d1">Everything You Need to<br/><em>Think Clearly.</em></h2>
1914      <div class="resource-grid" style="margin-top:2.5rem">
1915        <div class="rcard rv"><div class="rthumb"><div class="rthumb-icon">◎</div></div><div class="rbody"><div class="rtype">Weekly · Thought Leadership</div><h3>Dr. Pat Pachciarz®'s Intellectual Capital Series</h3><p>A weekly leadership paper on finance, planning, life, and what it means to build with intention. Anchored in <strong>Dr. Pat Pachciarz®'s</strong> registered intellectual framework.</p><a href="https://drpat.co" target="_blank" class="btn btn-ghost-bronze">Read at DrPat.co →</a></div></div>
1916        <div class="rcard rv d1"><div class="rthumb"><div class="rthumb-icon">▷</div></div><div class="rbody"><div class="rtype">Podcast · The Pursuit with Dr. Pat®</div><h3>Featured Episodes by Decade</h3><p>Real conversations on wealth, health, purpose, and legacy — curated by the decade you're in. Because the best financial advice meets you where you are.</p><a href="https://drpat.co" target="_blank" class="btn btn-ghost-bronze">Listen Now →</a></div></div>
1917        <div class="rcard rv d2"><div class="rthumb"><div class="rthumb-icon">◈</div></div><div class="rbody"><div class="rtype">Interactive · Self-Assessment</div><h3>The Pinnacle Life Score™</h3><p>A self-scored assessment across all five Core pillars — Faith, Family, Fitness, Finances, and Freedom. Because wealth planning should support the whole life, not just the portfolio.</p><button class="btn btn-ghost-bronze" onclick="showQuiz()">Take the Assessment →</button></div></div>
1918        <div class="rcard rv"><div class="rthumb"><div class="rthumb-icon">§</div></div><div class="rbody"><div class="rtype">Interactive · Calculator</div><h3>The What You Keep Calculator™</h3><p>Enter your income, tax rate, and current structure to see how much wealth you're actually retaining — and what an engineered approach could change.</p><a href="https://drpat.co" target="_blank" class="btn btn-ghost-bronze">Use Calculator →</a></div></div>
1919        <div class="rcard rv d1"><div class="rthumb"><div class="rthumb-icon">⊕</div></div><div class="rbody"><div class="rtype">Interactive · Self-Assessment</div><h3>The Full Life Readiness Score™</h3><p>Inspired by Dr. Peter Attia's longevity research — this is a conversation starter, not a medical assessment. Are you building a life worth living, not just a portfolio worth having?</p><button class="btn btn-ghost-bronze" onclick="showQuiz()">Get Your Score →</button></div></div>
1920        <div class="rcard rv d2"><div class="rthumb"><div class="rthumb-icon">◐</div></div><div class="rbody"><div class="rtype">Visual · Planning Tool</div><h3>The Sequencing Map™</h3><p>The optimal order of financial decisions by decade — because what you do first determines everything that compounds after it. Visual, clear, and built around your life stage.</p><a href="https://drpat.co" target="_blank" class="btn btn-ghost-bronze">View the Map →</a></div></div>
1921        <div class="rcard rv"><div class="rthumb"><div class="rthumb-icon">❋</div></div><div class="rbody"><div class="rtype">Q&amp;A · Weekly Submission</div><h3>Ask Dr. Pat Pachciarz®</h3><p>Submit your question. The best ones are answered weekly on the YouTube educational series — no names, no pressure, just real answers to real financial questions.</p><a href="https://drpat.co" target="_blank" class="btn btn-ghost-bronze">Submit a Question →</a></div></div>
1922        <div class="rcard rv d1"><div class="rthumb"><div class="rthumb-icon">◉</div></div><div class="rbody"><div class="rtype">Case Studies · Anonymous</div><h3>Client Transformation Stories</h3><p>Real outcomes, anonymized. Organized by decade and financial profile so you can see what's possible for someone in your exact situation.</p><button class="btn btn-ghost-bronze" onclick="showQuiz()">Find Your Profile →</button></div></div>
1923        <div class="rcard rv d2"><div class="rthumb"><div class="rthumb-icon">◆</div></div><div class="rbody"><div class="rtype">Preview · Educational Framework</div><h3>Pinnacle Academy™ Curriculum</h3><p>A sneak peek at the <strong>Pinnacle Academy™</strong> educational framework — built for those who want to learn alongside us, whether as a client, a student, or a future professional partner.</p><button class="btn btn-ghost-bronze" onclick="showQuiz()">Preview the Curriculum →</button></div></div>
1924      </div>
1925    </div>
1926  </section>
1927
1928  <!-- PINNACLE ACADEMY CAREERS -->
1929  <section class="section" style="background:var(--ink)">
1930    <div class="wrap">
1931      <div class="grid2 rv">
1932        <div>
1933          <div class="eyebrow" style="color:rgba(197,205,232,.5)">Join the Network</div>
1934          <h2 class="h2" style="color:var(--white)"><strong>Pinnacle Academy™</strong><br/><em>Build With Us.</em></h2>
1935          <div class="divider"></div>
1936          <p style="color:rgba(197,205,232,.65);font-size:.88rem;line-height:1.9">Whether you want to grow your own practice, deepen your expertise, or build a career within the Pinnacle ecosystem — <strong>Pinnacle Academy™</strong> is the starting point.</p>
1937          <p style="color:rgba(197,205,232,.65);font-size:.88rem;line-height:1.9;margin-top:1rem">We're building a network of excellence — professionals who lead with education, serve with integrity, and GIVE.BACK.® as they grow.</p>
1938          <a href="https://drpat.co" target="_blank" class="btn btn-bronze" style="margin-top:1.5rem;display:inline-flex">Explore Pinnacle Academy™ →</a>
1939        </div>
1940        <div style="display:flex;flex-direction:column;gap:.8rem">
1941          <div style="background:rgba(43,76,200,.2);border:1px solid rgba(43,76,200,.35);border-radius:4px;padding:1.2rem 1.5rem"><div style="font-size:.6rem;letter-spacing:.15em;text-transform:uppercase;color:var(--bronze);font-weight:600;margin-bottom:.3rem">Career Path</div><p style="font-size:.82rem;color:rgba(197,205,232,.75)">Financial Advisor · Insurance Professional</p></div>
1942          <div style="background:rgba(43,76,200,.2);border:1px solid rgba(43,76,200,.35);border-radius:4px;padding:1.2rem 1.5rem"><div style="font-size:.6rem;letter-spacing:.15em;text-transform:uppercase;color:var(--bronze);font-weight:600;margin-bottom:.3rem">
1942Specialty Track</div><p style="font-size:.82rem;color:rgba(197,205,232,.75)">Tax Strategist · Trust &amp; Estate Planning Educator</p></div>
1943          <div style="background:rgba(43,76,200,.2);border:1px solid rgba(43,76,200,.35);border-radius:4px;padding:1.2rem 1.5rem"><div style="font-size:.6rem;letter-spacing:.15em;text-transform:uppercase;color:var(--bronze);font-weight:600;margin-bottom:.3rem">Education Track</div><p style="font-size:.82rem;color:rgba(197,205,232,.75)">Debt &amp; Cash Flow Educator · Advanced Planning Specialist</p></div>
1944          <div style="background:rgba(43,76,200,.2);border:1px solid rgba(43,76,200,.35);border-radius:4px;padding:1.2rem 1.5rem"><div style="font-size:.6rem;letter-spacing:.15em;text-transform:uppercase;color:var(--bronze);font-weight:600;margin-bottom:.3rem">Partner Network</div><p style="font-size:.82rem;color:rgba(197,205,232,.75)">Pinnacle Affiliate Partner · Strategic Referral Network</p></div>
1945        </div>
1946      </div>
1947    </div>
1948  </section>
1949
1950  <div class="cta-banner">
1951    <h2 class="h2 rv" style="color:var(--white)">Ready to Go Deeper Than<br/><em>Resources?</em></h2>
1952    <p class="rv d1">A real advisor. Your actual situation. Seven questions to start.</p>
1953    <div class="cta-btns rv d2"><button class="btn btn-bronze" onclick="showQuiz()">See My Leak Score →</button></div>
1954  </div>
1955</div>
1956
1957<!-- CONTACT -->
1958<div class="page" id="p-contact" style="padding-top:76px">
1959  <div class="contact-hero">
1960    <div class="rv">
1961      <div class="eyebrow">Begin Here</div>
1962      <h2 class="display" style="font-size:clamp(2.2rem,4vw,3.8rem)">Your Pinnacle<br/><em>Clarity Call</em></h2>
1963      <div class="divider"></div>
1964      <p class="italic-lead" style="font-size:1rem;max-width:440px">A 30-minute, complimentary conversation designed to explore what's possible for your wealth — and whether we're the right fit for each other. Serving clients in Aurora, Illinois — and virtually in all 50 states.</p>
1965      <div class="contact-info">
1966        <div class="ci-item"><div class="ci-icon">☎</div><div><h4>Phone</h4><a href="tel:+18154860722">815-486-0722</a></div></div>
1967        <div class="ci-item"><div class="ci-icon">✉</div><div><h4>Email</h4><a href="mailto:[email protected]">[email protected]</a></div></div>
1968        <div class="ci-item"><div class="ci-icon">★</div><div><h4>Google Reviews</h4><a href="https://g.co/kgs/cH4en3x" target="_blank">5.0 Stars · 30+ Reviews →</a></div></div>
1969        <div class="ci-item"><div class="ci-icon">⌂</div><div><h4>Office</h4><address style="font-style:normal;line-height:1.6">The Pinnacle Group<br/>Aurora, IL<br/>United States</address></div></div>
1970      </div>
1971      <div style="margin-top:2.5rem;padding:1.8rem 2rem;background:var(--parchment);border:1px solid var(--linen);border-radius:4px;border-left:3px solid var(--bronze)">
1972        <p style="font-style:italic;color:var(--stone);font-family:var(--fell);font-size:.92rem;line-height:1.75">"We don't lead with a pitch. We lead with a question: what does your ideal financial life actually look like? Everything flows from there."</p>
1973        <p style="margin-top:.8rem;font-size:.65rem;letter-spacing:.12em;text-transform:uppercase;color:var(--bronze);font-weight:600">— Dr. Pat Pachciarz®, CEPA® · Founder &amp; CEO</p>
1974      </div>
1975    </div>
1976    <div class="rv d2">
1977      <div class="intake" id="intake-form">
1978        <div class="intake-title">Tell Us About You</div>
1979        <p class="intake-sub">We'll review your responses before the call so every minute is purposeful.</p>
1980        <form id='pinnacle-intake-form' method='post' name='clarity-call-intake' style='display:contents'>
1981          <input type="hidden" name="form-name" value="clarity-call-intake"/>
1982          <input type="hidden" name="bot-field" style="display:none"/>
1983        <div class="step-indicator">
1984          <div class="si-item cur" id="si-1"><div class="si-dot">1</div><div class="si-label">You</div></div>
1985          <div class="si-item" id="si-2"><div class="si-dot">2</div><div class="si-label">Goals</div></div>
1986          <div class="si-item" id="si-3"><div class="si-dot">3</div><div class="si-label">Picture</div></div>
1987          <div class="si-item" id="si-4"><div class="si-dot">4</div><div class="si-label">Book</div></div>
1988        </div>
1989        <div class="fstep active" id="fs-1">
1990          <div class="fg2">
1991            <div class="fg"><label class="flabel">First Name</label><input class="finput" type="text" placeholder="Sarah" id="f-fname" name="first-name"/></div>
1992            <div class="fg"><label class="flabel">Last Name</label><input class="finput" type="text" placeholder="Johnson" id="f-lname" name="last-name"/></div>
1993          </div>
1994          <div class="fg"><label class="flabel">Email Address</label><input class="finput" type="email" placeholder="[email protected]" id="f-email" name="email"/></div>
1995          <div class="fg"><label class="flabel">Phone Number</label><input class="finput" type="tel" placeholder="(815) 555-0100" id="f-phone" name="phone"/></div>
1996          <div class="fg"><label class="flabel">How did you hear about Pinnacle?</label><select class="fselect" id="f-source" name="referral-source"><option value="">Select one…</option><option>Google Search</option><option>Client Referral</option><option>LinkedIn</option><option>Event or Workshop</option><option>CEO Times / MSN / BIZWeekly</option><option>Other</option></select></div>
1997          <div class="form-nav"><button type="button" class="btn btn-bronze" onclick="nextStep(2)">Continue →</button></div>
1998        </div>
1999        <div class="fstep" id="fs-2">
2000          <div class="fg"><label class="flabel">I am primarily a…</label><select class="fselect" id="f-type" name="client-type"><option value="">Select one…</option><option>Educator or School Professional</option><option>Business Owner or Entrepreneur</option><option>Professional or Executive</option><option>Couple or Family</option><option>Retiree or Pre-Retiree</option><option>Other</option></select></div>
2001          <div class="fg"><label class="flabel">What's most important to you right now?</label><select class="fselect" id="f-goal" name="primary-goal"><option value="">Select your primary focus…</option><option>Reducing my tax burden strategically</option><option>Coordinating my full financial team</option><option>Building a legacy and estate plan</option><option>Growing and protecting my investments</option><option>IRA Exit &amp; retirement income planning</option><option>Business exit or succession planning</option><option>Charitable giving and philanthropy strategy</option><option>General financial clarity and direction</option></select></div>
2002          <div class="fg"><label class="flabel">What would your ideal financial life look like?</label><textarea class="ftextarea" id="f-vision" name="ideal-vision" placeholder="In your own words — what would 'having it figured out' feel like for you?"></textarea></div>
2003          <div class="form-nav"><button type="button" class="btn btn-outline" onclick="prevStep(1)">← Back</button><button type="button" class="btn btn-bronze" onclick="nextStep(3)">Continue →</button></div>
2004        </div>
2005        <div class="fstep" id="fs-3">
2006          <div class="fg"><label class="flabel">Approximate Net Worth Range</label><select class="fselect" id="f-nw" name="net-worth"><option value="">Select a range…</option><option>$250K – $500K</option><option>$500K – $1M</option><option>$1M – $3M</option><option>$3M – $5M</option><option>$5M+</option><option>Prefer not to say</option></select></div>
2007          <div class="fg"><label class="flabel">Do you currently have a financial advisor?</label><select class="fselect" id="f-advisor" name="current-advisor"><option value="">Select one…</option><option>Yes — and I'm looking for a better fit</option><option>Yes — looking to add a second perspective</option><option>No — and I'm ready to start</option><option>No — still exploring my options</option></select></div>
2008          <div class="fg"><label class="flabel">Anything else we should know before the call?</label><textarea class="ftextarea" id="f-notes" name="additional-notes" placeholder="Optional — any context that would help us make the most of our time together."></textarea></div>
2009          <div class="form-nav"><button type="button" class="btn btn-outline" onclick="prevStep(2)">← Back</button><button type="button" class="btn btn-bronze" onclick="submitIntake()">Submit &amp; Book My Call →</button></div>
2010        </div>
2011        </form><!-- end netlify form — Book step intentionally excluded -->
2012        <div class="fstep" id="fs-4">
2013          <div class="confirm show">
2014            <div class="confirm-icon">✦</div>
2015            <h3 style="font-family:var(--serif);font-size:1.6rem;font-weight:500;color:var(--charcoal)">Thank You, <span id="conf-name">Friend</span></h3>
2016            <p class="body" style="max-width:340px;text-align:center">Your information has been received. Now let's find a time that works for you.</p>
2017          </div>
2018          <div style="background:var(--parchment);border:1px solid var(--linen);border-radius:4px;padding:2rem;text-align:center">
2019            <p class="body" style="margin-bottom:1.2rem;font-size:.85rem">Click below to choose your Clarity Call time.</p>
2020            <a href="https://calendly.com/advanced-planning-pfp/pinnacle-private-wealth-clarity-and-discovery-session" target="_blank" class="btn btn-bronze" style="display:inline-flex;justify-content:center;width:100%">Choose Your Call Time on Calendly →</a>
2021            <p style="margin-top:1rem;font-size:.72rem;color:var(--stone)">Or call us directly: <a href="tel:+18154860722" style="color:var(--bronze)">815-486-0722</a></p>
2022          </div>
2023        </div>
2024      </div>
2025    </div>
2026  </div>
2027
2028
2029  <!-- LOCAL SEO SERVICE AREAS -->
2030  <section class="section">
2031    <div class="wrap">
2032      <div class="text-center rv">
2033        <div class="eyebrow center">Service Area</div>
2034        <h2 class="h2 rv d1" style="text-align:center">Serving <em>Aurora, Illinois</em> and Beyond</h2>
2035        <p class="body rv d2" style="max-width:580px;margin:.8rem auto 0;text-align:center">The Pinnacle Group serves professional women, business owners, and educators in person in Aurora, Illinois — and virtually in all 50 states. Wherever you are, one coordinated strategy is within reach.</p>
2036      </div>
2037      <div class="grid2" style="margin-top:3rem">
2038        <div class="card rv" style="text-align:center">
2039          <div style="font-family:var(--serif);font-size:1.4rem;color:var(--bronze);margin-bottom:.5rem">Aurora, IL</div>
2040          <p class="body" style="font-size:.82rem">Our home base. Private wealth planning, tax strategy, and DAITT® advisory services for business owners and families in the Fox Valley.</p>
2041        </div>
2042        <div class="card rv d2" style="text-align:center">
2043          <div style="font-family:var(--serif);font-size:1.4rem;color:var(--bronze);margin-bottom:.5rem">Virtual · All 50 States</div>
2044          <p class="body" style="font-size:.82rem">Virtual engagements nationwide, anchored in Aurora, Illinois — wherever you are, one coordinated strategy.</p>
2045        </div>
2046      </div>
2047      <div style="margin-top:2.5rem;background:var(--ink);border-radius:4px;padding:2rem 2.5rem;text-align:center" class="rv">
2048        <p style="font-family:var(--fell);font-style:italic;font-size:1.05rem;color:rgba(197,205,232,.75);margin-bottom:1.2rem">"Distance doesn't limit strategy. Wherever you've built it — we'll help you protect it."</p>
2049        <p style="font-size:.65rem;letter-spacing:.12em;text-transform:uppercase;color:var(--bronze);font-weight:600">— Dr. Pat Pachciarz®, CEPA® · The Pinnacle Group</p>
2050      </div>
2051    </div>
2052  </section>
2053
2054  <section class="section" style="background:var(--parchment)">
2055    <div class="wrap-md">
2056      <div class="text-center rv" style="margin-bottom:3rem">
2057        <div class="eyebrow center">What to Expect</div>
2058        <h2 class="h2" style="text-align:center">Your First Conversation<br/>with <em>Pinnacle</em></h2>
2059      </div>
2060      <div class="grid3">
2061        <div class="card rv text-center"><div style="font-family:var(--serif);font-size:2.5rem;font-weight:300;color:rgba(196,129,58,.25);margin-bottom:.8rem">30</div><h3 class="h3" style="font-size:1.1rem;margin-bottom:.5rem">Minutes of Real Conversation</h3><p class="body" style="font-size:.82rem">No slides, no pitch deck. Just a genuine conversation about your life and your goals.</p></div>
2062        <div class="card rv d1 text-center"><div style="font-family:var(--serif);font-size:2.5rem;font-weight:300;color:rgba(196,129,58,.25);margin-bottom:.8rem">0</div><h3 class="h3" style="font-size:1.1rem;margin-bottom:.5rem">Pressure or Obligation</h3><p class="body" style="font-size:.82rem">We believe the right fit reveals itself naturally. You'll know if Pinnacle is right for you.</p></div>
2063        <div class="card rv d2 text-center"><div style="font-family:var(--serif);font-size:2.5rem;font-weight:300;color:rgba(196,129,58,.25);margin-bottom:.8rem">1</div><h3 class="h3" style="font-size:1.1rem;margin-bottom:.5rem">Clear Next Step</h3><p class="body" style="font-size:.82rem">You'll leave knowing exactly what working with Pinnacle looks like — and whether now is the right moment.</p></div>
2064      </div>
2065    </div>
2066  </section>
2067</div>
2068
2069<!-- FOOTER -->
2070
2071<!-- NEWSROOM LISTING -->
2072<div class="page" id="p-newsroom" style="padding-top:76px">
2073  <div class="resources-hero" style="background:linear-gradient(160deg,var(--ink) 0%,#0a0a5c 100%)">
2074    <div class="wrap" style="text-align:center">
2075      <div class="eyebrow center" style="color:rgba(197,205,232,.55)">Press &amp; Announcements</div>
2076      <h2 class="h2" style="color:var(--white)">Newsroom</h2>
2077      <p class="body" style="color:rgba(197,205,232,.65);max-width:560px;margin:.8rem auto 0">Official press releases, strategic alliance announcements, and media coverage from The Pinnacle Group® ecosystem.</p>
2078    </div>
2079  </div>
2080
2081  <section class="section" style="background:var(--cream)">
2082    <div class="wrap" style="max-width:780px">
2083
2084      <div class="newsroom-card" onclick="go('newsroom-detail')" style="cursor:pointer">
2085        <div class="newsroom-card-label">May 2026 · Strategic Alliance</div>
2086        <div class="newsroom-card-headline">The Pinnacle Group® and FutureSight Accounting LLC Announce Strategic Alliance, Expanding the Virtual Private Family Office Ecosystem Across All 50 States</div>
2087        <p class="newsroom-card-subhead">Dr. Pat Pachciarz® Partners with Amanda Hill, CPA and Eric Hill of FutureSight Accounting LLC — St. Louis, Missouri — to Deliver AI-Anchored, Proactive Tax Strategy That Recaptures What Americans Overpay the IRS</p>
2088        <span class="newsroom-card-link">Read Full Release →</span>
2089      </div>
2090
2091      <a href="https://www.msn.com/en-us/money/startup/dynamic-entrepreneurs-setting-new-standards-of-success/ar-AA21HzAF" target="_blank" rel="noopener noreferrer" class="newsroom-card" style="text-decoration:none;color:inherit">
2092        <div class="newsroom-card-label">April 25, 2026 · Media Feature · 2025 Top 10 Entrepreneurs</div>
2093        <div class="newsroom-card-headline">Dynamic Entrepreneurs Setting New Standards of Success</div>
2094        <p class="newsroom-card-subhead">MSN Money — Creator of the DAITT® Advisory Method, modernizing family-office wealth strategy for everyday households.</p>
2095        <span class="newsroom-card-link">View Feature →</span>
2096      </a>
2097
2098      <a href="https://ceotimes.com/arete-in-action-how-dr-pat-is-redefining-excellence-in-financial-planning/" target="_blank" rel="noopener noreferrer" class="newsroom-card" style="text-decoration:none;color:inherit">
2099        <div class="newsroom-card-label">2025 · Feature</div>
2100        <div class="newsroom-card-headline">Arete in Action: How Dr. Pat Pachciarz® Is Redefining Excellence in Financial Planning</div>
2101        <p class="newsroom-card-subhead">CEO Times — JPMorgan Standard of Excellence Award Recipient</p>
2102        <span class="newsroom-card-link">View Feature →</span>
2103      </a>
2104
2105      <a href="https://bizweekly.com/spotlight-interview-dr-pat-on-redefining-excellence-in-advanced-planning-private-wealth/" target="_blank" rel="noopener noreferrer" class="newsroom-card" style="text-decoration:none;color:inherit">
2106        <div class="newsroom-card-label">December 2025 · Spotlight Interview</div>
2107        <div class="newsroom-card-headline">Dr. Pat Pachciarz® on Redefining Excellence in Advanced Planning &amp; Private Wealth</div>
2108        <p class="newsroom-card-subhead">BIZWeekly — A simple case suddenly becomes a high-value planning opportunity.</p>
2109        <span class="newsroom-card-link">View Feature →</span>
2110      </a>
2111
2112    </div>
2113  </section>
2114</div>
2115
2116<!-- NEWSROOM DETAIL — FutureSight Press Release -->
2117<div class="page" id="p-newsroom-detail" style="padding-top:76px">
2118  <div class="resources-hero" style="background:linear-gradient(160deg,var(--ink) 0%,#0a0a5c 100%)">
2119    <div class="wrap" style="text-align:center">
2120      <div class="eyebrow center" style="color:rgba(197,205,232,.55)">Press Release</div>
2121      <h2 class="h2" style="color:var(--white)">Newsroom</h2>
2122    </div>
2123  </div>
2124
2125  <section class="section" style="background:var(--cream)">
2126    <div class="wrap">
2127      <article class="newsroom-article" style="max-width:780px;margin:0 auto">
2128        <a href="#newsroom" onclick="go('newsroom');return false;" style="display:inline-flex;align-items:center;gap:.5rem;font-size:.82rem;letter-spacing:.06em;color:var(--bronze);font-weight:600;text-decoration:none;margin-bottom:2.5rem">← Back to Newsroom</a>
2129
2130        <div style="font-size:.7rem;letter-spacing:.18em;text-transform:uppercase;color:var(--bronze);font-weight:600;margin-bottom:1rem">May 2026 · Strategic Alliance</div>
2131        <h2 style="font-family:var(--serif);font-size:clamp(1.6rem,2.8vw,2.4rem);font-weight:400;color:var(--charcoal);line-height:1.15;margin-bottom:1.5rem">The Pinnacle Group® and FutureSight Accounting LLC Announce Strategic Alliance, Expanding the Virtual Private Family Office Ecosystem Across All 50 States</h2>
2132        <p style="font-family:var(--fell);font-style:italic;font-size:1.05rem;color:var(--stone);line-height:1.7;margin-bottom:2.5rem">Dr. Pat Pachciarz® Partners with Amanda Hill, CPA and Eric Hill of FutureSight Accounting LLC — St. Louis, Missouri — to Deliver AI-Anchored, Proactive Tax Strategy That Recaptures What Americans Overpay the IRS</p>
2133
2134        <div class="newsroom-body" style="font-size:.95rem;color:var(--stone);line-height:1.9">
2135          <p><strong>AURORA, IL &amp; ST. LOUIS, MO — May 2026</strong> — The Pinnacle Group®, the multi-entity private wealth and tax strategy ecosystem founded by Dr. Pat Pachciarz®, today announced a strategic alliance with FutureSight Accounting LLC — the St. Louis, Missouri-based CPA firm founded by Amanda Hill, CPA, and her husband Eric Hill.</p>
2136          <p style="margin-top:1.2rem">The alliance combines Pinnacle's proprietary tax strategy infrastru
2136cture — powered in part by best-in-class AI-driven bookkeeping technology — with FutureSight Accounting's deep CPA expertise and forward-thinking approach to small business financial clarity.</p>
2137          <p style="margin-top:1.2rem">The result: a fully coordinated, technology-anchored tax planning and accounting experience for business owners, professional women, educators, and blue-collar entrepreneurs across all 50 states.</p>
2138
2139          <h3 style="font-family:var(--serif);font-size:1.35rem;color:var(--charcoal);margin:2.5rem 0 1rem;font-weight:500">The Problem This Alliance Solves</h3>
2140          <p>The average American overpays the IRS by tens of thousands of dollars annually — not because they are irresponsible, but because their financial professionals work in silos, react instead of plan, and file instead of strategize.</p>
2141          <p style="margin-top:1.2rem">"Most people don't have a tax problem," said Dr. Pat Pachciarz®, Founder and CEO of The Pinnacle Group®. "They have a coordination problem. Nobody is talking to each other. The CPA doesn't talk to the wealth advisor. The wealth advisor doesn't talk to the tax attorney. And the client pays for all of it — twice."</p>
2142          <p style="margin-top:1.2rem">The Pinnacle-FutureSight alliance changes that equation entirely.</p>
2143
2144          <h3 style="font-family:var(--serif);font-size:1.35rem;color:var(--charcoal);margin:2.5rem 0 1rem;font-weight:500">The Technology-Anchored Strategy Stack</h3>
2145          <p>Pinnacle's ecosystem is built on a foundation of AI-driven bookkeeping automation — ensuring clean, compliant, real-time financial data is always available before strategy is engineered.</p>
2146          <p style="margin-top:1.2rem">This technology layer eliminates the manual burden of bookkeeping, captures every deduction, and surfaces every optimization opportunity before the return is ever filed.</p>
2147          <p style="margin-top:1.2rem">FutureSight Accounting then brings the CPA expertise to execute — with precision, compliance, and a genuine commitment to the client's financial wellbeing.</p>
2148          <p style="margin-top:1.2rem">And Pinnacle coordinates it all — tax strategy, entity optimization, income shifting, and full professional alignment — before April 15th. Not after.</p>
2149
2150          <h3 style="font-family:var(--serif);font-size:1.35rem;color:var(--charcoal);margin:2.5rem 0 1rem;font-weight:500">What the Alliance Delivers</h3>
2151          <ul style="list-style:none;display:flex;flex-direction:column;gap:.8rem;margin-bottom:1.5rem">
2152            <li style="display:flex;gap:.8rem;align-items:flex-start"><span style="color:var(--bronze);margin-top:2px">◆</span><span><strong>AI-Driven Bookkeeping</strong> — clean, compliant, real-time books running automatically in the background</span></li>
2153            <li style="display:flex;gap:.8rem;align-items:flex-start"><span style="color:var(--bronze);margin-top:2px">◆</span><span><strong>Proactive Tax Strategy</strong> — engineered before the return, not discovered after</span></li>
2154            <li style="display:flex;gap:.8rem;align-items:flex-start"><span style="color:var(--bronze);margin-top:2px">◆</span><span><strong>CPA Filing Excellence</strong> — FutureSight Accounting executing every strategy with precision</span></li>
2155            <li style="display:flex;gap:.8rem;align-items:flex-start"><span style="color:var(--bronze);margin-top:2px">◆</span><span><strong>Full Ecosystem Coordination</strong> — tax attorney, estate attorney, private wealth advisor, banker, and CPA — all at the same table, all working for the same client, at no extra cost</span></li>
2156          </ul>
2157
2158          <h3 style="font-family:var(--serif);font-size:1.35rem;color:var(--charcoal);margin:2.5rem 0 1rem;font-weight:500">"Make Your Future Bright"</h3>
2159          <p>FutureSight Accounting LLC was built on one belief — that small business owners deserve financial clarity, not confusion. Amanda Hill, CPA has spent her career translating complex financial data into clear, actionable insights that business owners can actually use.</p>
2160          <p style="margin-top:1.2rem">"At FutureSight, we don't just crunch numbers," said Amanda Hill, CPA. "We translate financial data into clear insights you can actually use. Partnering with Pinnacle means our clients now have access to the full coordinated team they deserve — not just a tax return."</p>
2161
2162          <h3 style="font-family:var(--serif);font-size:1.35rem;color:var(--charcoal);margin:2.5rem 0 1rem;font-weight:500">The Pinnacle Group® Eight-Entity Ecosystem</h3>
2163          <p>The FutureSight alliance is the latest expansion of The Pinnacle Group® ecosystem — an eight-entity, 20-branch platform serving families and business owners across all 50 states:</p>
2164          <ul style="list-style:none;display:flex;flex-direction:column;gap:.7rem;margin:1.2rem 0 1.5rem">
2165            <li style="display:flex;gap:.8rem;align-items:flex-start"><span style="color:var(--bronze);margin-top:2px">◆</span><span><strong>Dr. Pat Pachciarz® | The Pinnacle Group®</strong> — pinnacle-fp.com | drpat.co</span></li>
2166            <li style="display:flex;gap:.8rem;align-items:flex-start"><span style="color:var(--bronze);margin-top:2px">◆</span><span><strong>Pinnacle Private Wealth®</strong> — private wealth management and investment strategy</span></li>
2167            <li style="display:flex;gap:.8rem;align-items:flex-start"><span style="color:var(--bronze);margin-top:2px">◆</span><span><strong>Pinnacle Tax Strategies®</strong> — advanced tax planning, documentation, and substantiation</span></li>
2168            <li style="display:flex;gap:.8rem;align-items:flex-start"><span style="color:var(--bronze);margin-top:2px">◆</span><span><strong>Pinnacle Technologies®</strong>
2168 — AI architecture and infrastructure powering the ecosystem</span></li>
2169            <li style="display:flex;gap:.8rem;align-items:flex-start"><span style="color:var(--bronze);margin-top:2px">◆</span><span><strong>GIVE.BACK.® Foundation</strong> — the philanthropic mandate woven into every strategy, every entity, every decision</span></li>
2170            <li style="display:flex;gap:.8rem;align-items:flex-start"><span style="color:var(--bronze);margin-top:2px">◆</span><span><strong>Pinnacle Academy™</strong> — advanced planning education and professional certification</span></li>
2171            <li style="display:flex;gap:.8rem;align-items:flex-start"><span style="color:var(--bronze);margin-top:2px">◆</span><span><strong>The Pursuit with Dr. Pat®</strong> — the nationally growing podcast and media entity bringing financial clarity, purpose, and human connection to audiences across America</span></li>
2172            <li style="display:flex;gap:.8rem;align-items:flex-start"><span style="color:var(--bronze);margin-top:2px">◆</span><span><strong>Bobby Money™ School</strong> — Dr. Pat Pachciarz®'s financial literacy initiative for children ages 5–14, launching on YouTube Kids in May 2026, co-hosted with a very special co-host, Avery</span></li>
2173          </ul>
2174
2175          <h3 style="font-family:var(--serif);font-size:1.35rem;color:var(--charcoal);margin:2.5rem 0 1rem;font-weight:500">About Dr. Pat Pachciarz®</h3>
2176          <p>Dr. Pat Pachciarz® is a private wealth advisor, tax strategist, CEPA®, certified personal trainer, certified nutrition counselor, currently earning his master's in personal financial planning at the College for Financial Planning (2026–2028), with his ABFP® credential in progress — with over two decades of experience including a foundational career at J.P. Morgan's private bank.</p>
2177          <p style="margin-top:1.2rem">
2177Named one of <a href="https://www.msn.com/en-us/money/startup/dynamic-entrepreneurs-setting-new-standards-of-success/ar-AA21HzAF" target="_blank" rel="noopener noreferrer" style="color:var(--bronze)">MSN Money's 2025 Top 10 Entrepreneurs Setting New Standards for Success</a> (published April 25, 2026), featured in CEO Times and BizWeekly, and host of The Pursuit with Dr. Pat® podcast, Dr. Pat Pachciarz® has built one of the most comprehensive coordinated private wealth ecosystems in the country — backed by the proprietary DAITT® Advisory Method and the Pinnacle Decision Engineering OS™.</p>
2178          <p style="margin-top:1.2rem;font-family:var(--fell);font-style:italic;color:var(--charcoal)">"It's not what you make — it's what you keep." — Dr. Pat Pachciarz®</p>
2179
2180          <h3 style="font-family:var(--serif);font-size:1.35rem;color:var(--charcoal);margin:2.5rem 0 1rem;font-weight:500">About FutureSight Accounting LLC</h3>
2181          <p>FutureSight Accounting LLC is a St. Louis, Missouri-based CPA firm founded by Amanda Hill, CPA and Eric Hill.</p>
2182          <p style="margin-top:1.2rem">The firm specializes in helping small business owners make financial decisions with confidence — delivering tax strategy, bookkeeping, and financial clarity to entrepreneurs who are ready to stop guessing and start growing.</p>
2183          <p style="margin-top:1.2rem">📞 314-710-6262 | <a href="mailto:[email protected]" style="color:var(--bronze)">[email protected]</a></p>
2184
2185          <div style="margin-top:3rem;padding-top:2rem;border-top:1px solid var(--linen)">
2186            <p style="font-size:.85rem;color:var(--stone);line-height:1.8"><strong>Media &amp; Partnership Inquiries:</strong><br/>
2187            Razel Esco | Chief of Staff &amp; COO<br/>
2188            Judy Matugas | Chief Marketing Officer<br/>
2189            The Pinnacle Group®<br/>
2190            <a href="mailto:[email protected]" style="color:var(--bronze)">[email protected]</a><br/>
2191            pinnacle-fp.com | drpat.co | drpatclarity.com</p>
2192          </div>
2193        </div>
2194
2195          <div style="margin-top:3rem;padding-top:2rem;border-top:1px solid var(--linen)">
2196            <p style="font-size:.72rem;letter-spacing:.18em;text-transform:uppercase;color:var(--stone);font-weight:600;margin-bottom:1rem">— Original Distribution —</p>
2197            <p style="font-size:.82rem;color:var(--stone);line-height:1.8">Originally distributed via PRWeb (May 25, 2026) and EIN Presswire (May 26, 2026).</p>
2198            <p style="margin-top:.8rem;display:flex;flex-direction:column;gap:.4rem">
2199              <a href="https://www.prweb.com/releases/the-pinnacle-group-and-futuresight-accounting-llc-announce-strategic-alliance-expanding-the-virtual-private-family-office-ecosystem-across-all-50-states-302780582.html" target="_blank" rel="noopener noreferrer" style="font-size:.82rem;color:#E89356;text-decoration:none;font-weight:600">Read on PRWeb →</a>
2200              <a href="https://www.einpresswire.com/article/914427686/the-pinnacle-group-and-futuresight-accounting-llc-announce-strategic-alliance" target="_blank" rel="noopener noreferrer" style="font-size:.82rem;color:#E89356;text-decoration:none;font-weight:600">Read on EIN Presswire →</a>
2201            </p>
2202          </div>
2203
2204        <div style="margin-top:3rem">
2205          <a href="#newsroom" onclick="go('newsroom');return false;" style="display:inline-flex;align-items:center;gap:.5rem;font-size:.82rem;letter-spacing:.06em;color:var(--bronze);font-weight:600;text-decoration:none">← Back to Newsroom</a>
2206        </div>
2207      </article>
2208    </div>
2209  </section>
2210</div>
2211
2212<footer id="site-footer">
2213  <div class="footer-inner wrap">
2214    <div>
2215      <div class="footer-logo">The Pinnacle Group</div>
2216      <div class="footer-logo-sub">Strategic Wealth Planning</div>
2217      <p class="footer-tagline">You build it. We protect it. Together, we GIVE.BACK.®<br/><span style="font-size:.62rem;color:rgba(255,255,255,.28);margin-top:5px;display:block">Dr. Pat Pachciarz® · DAITT® · GIVE.BACK.® · Pinnacle Decision Engineering OS™ · Pinnacle Academy™ · CEPA®</span></p>
2218    </div>
2219    <div class="footer-col"><h5>Navigate</h5><ul><li onclick="go('home')">Home</li><li onclick="go('about')">About Us</li><li onclick="go('approach')">Our Approach</li><li onclick="go('services')">Services</li><li onclick="go('resources')">Resources</li><li onclick="go('newsroom')">Newsroom</li><li><a href="/faq/">FAQ</a></li><li onclick="showQuiz()">
2219See My Leak Score</li></ul></div>
2220    <div class="footer-col"><h5>Services</h5><ul><li>Tax Strategy &amp; Planning</li><li>Private Wealth Management</li><li>Estate &amp; Trust Planning</li><li>Advanced Insurance</li><li>Medicare Planning</li><li>Business Owner Solutions</li></ul></div>
2221    <div class="footer-col"><h5>Connect</h5><ul><li><a href="tel:+18154860722">815-486-0722</a></li><li><a href="mailto:[email protected]">[email protected]</a></li><li><a href="https://g.co/kgs/cH4en3x" target="_blank">Google Reviews</a></li><li><a href="https://calendly.com/advanced-planning-pfp/pinnacle-private-wealth-clarity-and-discovery-session" target="_blank">Schedule a Call</a></li></ul></div>
2222  </div>
2223  <div class="footer-bottom wrap">
2224    <p>Financial Advisors do not provide specific tax/legal advice. Always consult your tax/legal advisor regarding your own specific situation. © 2026 The Pinnacle Group. All rights reserved. The Pinnacle Group | Pinnacle Private Wealth | Dr. Pat Pachciarz® | DAITT® | GIVE.BACK.® | Pinnacle Financial Engineering OS™ | Serving Aurora, Illinois — virtually nationwide in all 50 states.</p>
2225    <div class="footer-bottom-links"><a href="/privacy-policy/">Privacy</a></div>
2226  </div>
2227  <div class="footer-compliance">
2228    <p>Pinnacle Private Wealth® is a marketing name used by Pinnacle Financial Planning, a Registered Investment Advisor. Registration does not imply a certain level of skill or training.</p>
2229    <p>Nothing on this website constitutes investment advice or a solicitation to buy or sell any security.</p>
2230    <p>Securities custody provided by Altruist Financial LLC, Member FINRA/SIPC.</p>
2231  </div>
2232</footer>
2233
2234
2235<!-- BIO MODAL -->
2236<div id="bio-modal" style="display:none;position:fixed;inset:0;z-index:10000;background:rgba(0,0,0,.65);align-items:center;justify-content:center;padding:2rem" onclick="if(event.target===this)closeBio()">
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2257    photo:'/images/team-dr-pat-pachciarz.jpg',
2258    body:'<p>The Pinnacle Group was founded by <strong>Dr. Pat Pachciarz®</strong>, CEPA®, CPT, CNC — on one guiding principle: that true success is measured not just by what we build, but by what we GIVE.BACK.®.</p><p style="margin-top:1rem">A Certified Exit Planning Advisor (CEPA®) and former J.P. Morgan Private Client Group advisor, Dr. Pat Pachciarz® serves clients in Aurora, Illinois, with the proprietary DAITT® Advisory Method.</p><p style="margin-top:1rem">A former J.P. Morgan Private Client Group advisor with over two decades in private wealth management, Dr. Pat Pachciarz® brings the depth of institutional expertise and the heart of a servant leader to every engagement.</p><p style="margin-top:1rem">Named one of <a href="https://www.msn.com/en-us/money/startup/dynamic-entrepreneurs-setting-new-standards-of-success/ar-AA21HzAF" target="_blank" rel="noopener noreferrer" style="color:#E89356"><strong>MSN Money\'s 2025 Top 10 Entrepreneurs</strong></a> (published April 25, 2026), featured in <strong>CEO Times</strong> and <strong>BIZWeekly</strong>, host of <strong>The Pursuit with Dr. Pat®</strong> podcast, creator of <strong>Pinnacle Academy™</strong>, and founder of the <strong>GIVE.BACK.® Foundation</strong> — Dr. Pat Pachciarz® has built one of the most comprehensive coordinated private wealth ecosystems in the country.</p><p style="margin-top:1rem;font-style:italic;color:#E89356">"It\'s not what you make — it\'s what you keep."</p>'
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2260  jill:{
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2535      </div>
2536      <div style="height:3px;background:var(--linen);border-radius:2px;overflow:hidden">
2537        <div id="quiz-progress" style="height:100%;background:var(--bronze);border-radius:2px;transition:width .4s ease;width:14%"></div>
2538      </div>
2539    </div>
2540
2541    <!-- Screens -->
2542    <div id="quiz-content" style="padding:2rem 2.5rem 2.5rem">
2543
2544      <!-- INTRO -->
2545      <div class="qscreen active" id="qs-intro">
2546        <div style="text-align:center;padding:1rem 0 1.5rem">
2547          <div style="font-size:.6rem;letter-spacing:.2em;text-transform:uppercase;color:var(--bronze);font-weight:600;margin-bottom:1rem">The Pinnacle Group</div>
2548          <h2 style="font-family:var(--serif);font-size:clamp(1.7rem,3vw,2.4rem);color:var(--charcoal);font-weight:400;line-height:1.2;margin-bottom:1rem">Find Your <em style="color:var(--bronze)">Leak Score</em></h2>
2549          <p style="font-size:.9rem;color:var(--stone);line-height:1.85;max-width:460px;margin:0 auto 1.5rem">Seven simple questions. No pressure, no pitch. Just a starting point to understand what matters most — and where we may be able to help.</p>
2550          <p style="font-size:.78rem;color:var(--stone);opacity:.7;margin-bottom:2rem">Takes about 2 minutes.</p>
2551          <button class="btn btn-bronze" style="width:100%;justify-content:center;font-size:.78rem" onclick="quizNext(0)">Begin My Clarity Path →</button>
2552        </div>
2553      </div>
2554
2555      <!-- Q1 -->
2556      <div class="qscreen" id="qs-1">
2557        <h3 style="font-family:var(--serif);font-size:1.45rem;color:var(--charcoal);margin-bottom:.5rem;line-height:1.3">What best describes your situation right now?</h3>
2558        <p style="font-size:.78rem;color:var(--stone);margin-bottom:1.5rem">Select the one that fits best.</p>
2559        <div class="quiz-options" id="qo-1">
2560          <div class="qopt" onclick="selectOpt(1,0,this)">Business owner or entrepreneur</div>
2561          <div class="qopt" onclick="selectOpt(1,1,this)">Professional or executive</div>
2562          <div class="qopt" onclick="selectOpt(1,2,this)">Family focused on long-term planning</div>
2563          <div class="qopt" onclick="selectOpt(1,3,this)">Major life or financial transition</div>
2564          <div class="qopt" onclick="selectOpt(1,4,this)">Exploring financial advice for the first time</div>
2565        </div>
2566        <div class="quiz-nav"><button class="btn btn-outline" onclick="quizBack(0)" style="font-size:.7rem">← Back</button><button class="btn btn-bronze" id="qnext-1" onclick="quizNext(1)" style="font-size:.7rem" disabled>Next →</button></div>
2567      </div>
2568
2569      <!-- Q2 -->
2570      <div class="qscreen" id="qs-2">
2571        <h3 style="font-family:var(--serif);font-size:1.45rem;color:var(--charcoal);margin-bottom:.5rem;line-height:1.3">What prompted you to explore this right now?</h3>
2572        <p style="font-size:.78rem;color:var(--stone);margin-bottom:1.5rem">Select the one that fits best.</p>
2573        <div class="quiz-options" id="qo-2">
2574          <div class="qopt" onclick="selectOpt(2,0,this)">A financial decision is coming up</div>
2575          <div class="qopt" onclick="selectOpt(2,1,this)">I want more clarity and organization</div>
2576          <div class="qopt" onclick="selectOpt(2,2,this)">I'm doing well and want more strategy</div>
2577          <div class="qopt" onclick="selectOpt(2,3,this)">My life or finances recently changed</div>
2578          <div class="qopt" onclick="selectOpt(2,4,this)">I want a second opinion</div>
2579        </div>
2580        <div class="quiz-nav"><button class="btn btn-outline" onclick="quizBack(1)" style="font-size:.7rem">← Back</button><button class="btn btn-bronze" id="qnext-2" onclick="quizNext(2)" style="font-size:.7rem" disabled>Next →</button></div>
2581      </div>
2582
2583      <!-- Q3 -->
2584      <div class="qscreen" id="qs-3">
2585        <h3 style="font-family:var(--serif);font-size:1.45rem;color:var(--charcoal);margin-bottom:.5rem;line-height:1.3">Which area would you most like to improve?</h3>
2586        <p style="font-size:.78rem;color:var(--stone);margin-bottom:1.5rem">Select the one that feels most urgent.</p>
2587        <div class="quiz-options" id="qo-3">
2588          <div class="qopt" onclick="selectOpt(3,0,this)">Investing and wealth building</div>
2589          <div class="qopt" onclick="selectOpt(3,1,this)">
2589Tax efficiency and planning</div>
2590          <div class="qopt" onclick="selectOpt(3,2,this)">Organizing and simplifying my finances</div>
2591          <div class="qopt" onclick="selectOpt(3,3,this)">Retirement or future goals</div>
2592          <div class="qopt" onclick="selectOpt(3,4,this)">Balancing family, career, and big decisions</div>
2593        </div>
2594        <div class="quiz-nav"><button class="btn btn-outline" onclick="quizBack(2)" style="font-size:.7rem">← Back</button><button class="btn btn-bronze" id="qnext-3" onclick="quizNext(3)" style="font-size:.7rem" disabled>Next →</button></div>
2595      </div>
2596
2597      <!-- Q4 -->
2598      <div class="qscreen" id="qs-4">
2599        <h3 style="font-family:var(--serif);font-size:1.45rem;color:var(--charcoal);margin-bottom:.5rem;line-height:1.3">How would you describe your financial life today?</h3>
2600        <p style="font-size:.78rem;color:var(--stone);margin-bottom:1.5rem">Be honest — there's no wrong answer.</p>
2601        <div class="quiz-options" id="qo-4">
2602          <div class="qopt" onclick="selectOpt(4,0,this)">Mostly organized, but I want more strategy</div>
2603          <div class="qopt" onclick="selectOpt(4,1,this)">Doing well — but I may be missing opportunities</div>
2604          <div class="qopt" onclick="selectOpt(4,2,this)">Complex and hard to track</div>
2605          <div class="qopt" onclick="selectOpt(4,3,this)">Stable, but I want a clearer long-term plan</div>
2606          <div class="qopt" onclick="selectOpt(4,4,this)">Still figuring things out</div>
2607        </div>
2608        <div class="quiz-nav"><button class="btn btn-outline" onclick="quizBack(3)" style="font-size:.7rem">← Back</button><button class="btn btn-bronze" id="qnext-4" onclick="quizNext(4)" style="font-size:.7rem" disabled>Next →</button></div>
2609      </div>
2610
2611      <!-- Q5 -->
2612      <div class="qscreen" id="qs-5">
2613        <h3 style="font-family:var(--serif);font-size:1.45rem;color:var(--charcoal);margin-bottom:.5rem;line-height:1.3">What feels most valuable to you right now?</h3>
2614        <p style="font-size:.78rem;color:var(--stone);margin-bottom:1.5rem">Select the one that resonates most.</p>
2615        <div class="quiz-options" id="qo-5">
2616          <div class="qopt" onclick="selectOpt(5,0,this)">A clear, long-term strategy</div>
2617          <div class="qopt" onclick="selectOpt(5,1,this)">Making more tax-efficient decisions</div>
2618          <div class="qopt" onclick="selectOpt(5,2,this)">Simplifying and organizing everything</div>
2619          <div class="qopt" onclick="selectOpt(5,3,this)">A trusted second perspective</div>
2620          <div class="qopt" onclick="selectOpt(5,4,this)">Accountability and follow-through</div>
2621        </div>
2622        <div class="quiz-nav"><button class="btn btn-outline" onclick="quizBack(4)" style="font-size:.7rem">← Back</button><button class="btn btn-bronze" id="qnext-5" onclick="quizNext(5)" style="font-size:.7rem" disabled>Next →</button></div>
2623      </div>
2624
2625      <!-- Q6 -->
2626      <div class="qscreen" id="qs-6">
2627        <h3 style="font-family:var(--serif);font-size:1.45rem;color:var(--charcoal);margin-bottom:.5rem;line-height:1.3">What role would you ideally want an advisor to play?</h3>
2628        <p style="font-size:.78rem;color:var(--stone);margin-bottom:1.5rem">Think about what would actually feel helpful.</p>
2629        <div class="quiz-options" id="qo-6">
2630          <div class="qopt" onclick="selectOpt(6,0,this)">A true strategic partner</div>
2631          <div class="qopt" onclick="selectOpt(6,1,this)">Someone to help simplify and organize</div>
2632          <div class="qopt" onclick="selectOpt(6,2,this)">A proactive planner who thinks ahead</div>
2633          <div class="qopt" onclick="selectOpt(6,3,this)">A second set of eyes on my decisions</div>
2634          <div class="qopt" onclick="selectOpt(6,4,this)">I'm still exploring what I need</div>
2635        </div>
2636        <div class="quiz-nav"><button class="btn btn-outline" onclick="quizBack(5)" style="font-size:.7rem">← Back</button><button class="btn btn-bronze" id="qnext-6" onclick="quizNext(6)" style="font-size:.7rem" disabled>Next →</button></div>
2637      </div>
2638
2639      <!-- Q7 -->
2640      <div class="qscreen" id="qs-7">
2641        <h3 style="font-family:var(--serif);font-size:1.45rem;color:var(--charcoal);margin-bottom:.5rem;line-height:1.3">If things went really well over the next 12 months...</h3>
2642        <p style="font-size:.78rem;color:var(--stone);margin-bottom:1.5rem">What would that feel like?</p>
2643        <div class="quiz-options" id="qo-7">
2644          <div class="qopt" onclick="selectOpt(7,0,this)">More confident in my decisions</div>
2645          <div class="qopt" onclick="selectOpt(7,1,this)">More organized and in control</div>
2646          <div class="qopt" onclick="selectOpt(7,2,this)">More strategic about taxes and wealth building</div>
2647          <div class="qopt" onclick="selectOpt(7,3,this)">Clearer about my long-term direction</div>
2648          <div class="qopt" onclick="selectOpt(7,4,this)">Less mental energy spent worrying about money</div>
2649        </div>
2650        <div class="quiz-nav"><button class="btn btn-outline" onclick="quizBack(6)" style="font-size:.7rem">← Back</button><button class="btn btn-bronze" id="qnext-7" onclick="showQuizResults()" style="font-size:.7rem" disabled>See My Leak Score →</button></div>
2651      </div>
2652
2653      <!-- RESULTS -->
2654      <div class="qscreen" id="qs-results">
2655        <div style="text-align:center;margin-bottom:2rem">
2656          <div style="font-size:.6rem;letter-spacing:.2em;text-transform:uppercase;color:var(--bronze);font-weight:600;margin-bottom:.8rem">Your Results</div>
2657          <h2 style="font-family:var(--serif);font-size:clamp(1.6rem,2.5vw,2.2rem);color:var(--charcoal);font-weight:400;line-height:1.2;margin-bottom:1rem">Thank you — this gives us<br/>a helpful starting point.</h2>
2658          <p style="font-size:.85rem;color:var(--stone);line-height:1.85;max-width:480px;margin:0 auto">Based on what you shared, it sounds like you're looking for more clarity, more confidence, and a more intentional path forward.</p>
2659        </div>
2660        <div id="quiz-tiles" style="display:grid;grid-template-columns:1fr;gap:.8rem;margin-bottom:2rem"></div>
2661        <p style="font-size:.75rem;color:var(--stone);line-height:1.8;margin-bottom:2rem;font-style:italic">These aren't final recommendations — just the areas that may deserve the most attention first, based on your responses.</p>
2662        <div style="display:flex;flex-direction:column;gap:.8rem">
2663          <button class="btn btn-bronze" style="width:100%;justify-content:center" onclick="closeQuiz();window.open('https://lc.pinnacle-fp.com/widget/survey/2Kul5BRqyW1hZRUl2NFM','_blank')">Continue the Conversation →</button>
2664          <button class="btn btn-outline" style="width:100%;justify-content:center" onclick="closeQuiz();go('contact')">Have Our Team Reach Out</button>
2665          <p style="text-align:center;font-size:.72rem;color:var(--stone);margin-top:.5rem">Not ready yet? That's completely fine. Many people start here simply wanting more clarity before their next financial decision. You're in the right place.</p>
2666        </div>
2667      </div>
2668
2669    </div>
2670  </div>
2671</div>
2672
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