Pinnacle Edge Newsletter Summer 2013 .pdf
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DeHollander & Janse
Financial Group says
market volatility may
be “good news”
ALSO IN THIS ISSUE:
NEW Pinnacle Investment Services
Lending a Hand in the Community
A Letter from Bank President David Barnett
PINNACLE BANK HAS ANNOUNCED A NEW PARTNERSHIP WITH
DEHOLLANDER & JANSE FINANCIAL GROUP, CREATING
PINNACLE INVESTMENT SERVICES
The partnership will expand the services available to our
customers, including: wealth management, retirement planning,
insurance, estate planning, tax strategy and business planning.
“A partnership with DeHollander and Janse Financial Group is a
natural choice because of their extensive market knowledge and
our similar “client-first” philosophies,” said Pinnacle Bank CEO,
David Barnett. Our customers now have access to valuable wealth
management advice in addition to the checking, savings, home
mortgage, credit and loan services Pinnacle Bank provides.
Rob DeHollander and Roy Janse are CERTIFIED FINANCIAL PLANNERTM professionals focused on growing, protecting
and managing their clients’ wealth. As Investment Advisor Representatives of Commonwealth Financial Network, their
goal is to “bring the best ideas from Wall Street to Main Street.”
“The timing of our partnership is excellent because there is a growing need for the financial guidance our firm is able
to provide. We are enthusiastic about pairing our firm’s consulting expertise with Pinnacle Bank’s already impressive
services,” said Rob DeHollander, principal of DeHollander and Janse Financial Group.
For more information about Pinnacle Bank and how you may be able to benefit from their partnership with
DeHollander and Janse Financial Group, please visit www.PinnacleBankSC.com or visit your local Pinnacle Bank branch.
DEHOLLANDER & JANSE TALK MARKET VOLATILITY
At the end of May, the Dow Jones Industrial Average suffered a 208.96-point drop, and the S&P 500 registered a
23.67-point drop. This volatility has continued since a press conference, where Federal Reserve (Fed) Chairman Ben
Bernanke indicated that the Federal Reserve might start to slow its stimulus program earlier than expected. This pull
back may result in higher interest rates and may cause investors to give current stock values another look. Interest
rate sensitive investments such as bonds, real estate investment trusts and even dividend paying stocks have sold off
recently based on the news.
As volatile as the markets have been, this is actually good news. There have been no additional indications that the
Fed will back off of its stimulus program in the immediate future and the economic news is encouraging. This reflects
strength in the real economy, driven by gains in housing, employment and consumer spending. A healthier real
economy would give businesses the opportunity for development and for our communities to continue to grow.
Keep this in mind as we head into the upcoming earnings season. Volatility is likely to continue in the financial markets,
but the real economy’s recovery is both wide and deep. Over time, the market should reflect that recovery, despite
any short-term volatility. At DeHollander & Janse Financial Group, we focus on your long-term plan rather than shortterm news. In today’s world, a sound financial plan involves investing intelligently, minimizing taxes and managing risk.
Our approach helps clients accumulate, preserve and distribute their wealth with confidence. Let us help you build a
roadmap to your goals and dreams!
Investments offered through Commonwealth Financial Network are not insured by the FDIC; are not insured by any federal government agency; are not a
deposit or other obligation of, or guaranteed by, Pinnacle Bank; and are subject to investment risks, including possible loss of the principal amount invested.
*Securities and Advisory Services Offered Through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. 3515 Pelham Road, Suite 100,
Greenville, SC 29615. (864) 770-0220
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, certified financial planner™ and CFP® in the U.S.
Lending a Hand in the Community
As a locally owned and operated establishment, Pinnacle Bank
tries to give back to the community whenever possible, and
giving back is exactly what Mary Murray and Carrie Wallace
did with their volunteer projects in the Greenville area.
MARCH OF DIMES
Carrie Wallace, a Pinnacle Bank Branch Vice President, recently participated in Greenville’s March of Dimes March for
Babies campaign and walk. Pinnacle Bank not only supported this community event but also encouraged employees
to participate, helping Wallace surpass her fundraising goal of $1,500. In total, the Greenville chapter March of Dimes
raised over $675,000 for research and aid to help mothers carry out full-term pregnancies.
Carrie has been personally involved with March of Dimes for
more than a decade and has seen firsthand how much the
organization benefits local families, and families across the US.
She is inspired by her time spent listening to families speak of
their struggles with premature birth and works passionately to
fight the misconception that premature births are exclusive to
the poor or uneducated.
Besides the March for Babies campaign and walk, Wallace
looks forward to the organization’s other events planned for
the year including a Chef’s Auction, Real Estate Luncheon and
HANDS ON GREENVILLE DAY
Mary Murray, a member of Pinnacle’s Loan Officer Support team, joined 7,000 other volunteers as the United Way
hosted its 19th annual Hands On Greenville community service event on Saturday, May 4,2013. Teams from local
companies, organizations, churches and families completed 230 service projects in the Greenville area. These teams
generated over 28,000 service hours with an estimated value of more than $621,000.
Mary and her local chapter of the Upstate SC
University of Georgia Alumni Association spent
the day working on “The Mutt Mission” at the
Greenville County Animal Center. Her team built
pathways and landscaped the grounds of the
facility and constructed an indoor partition,
creating an open play area for adoptable cats.
Mary enjoyed her day volunteering with Hands
on Greenville and giving back to her local
community, and what better way to show her
“Georgia Bull-Dawg pride” than with animals
from the Greenville County Animal Center!
From the President’s Desk
We understand that businesses have many choices when it comes to their banking relationships. Some customers
put up with average (or worse) service from their bank, yet those relationships are often short-lived and provide no
real value to the customer or the bank. Pinnacle Bank strives to create long-lasting relationships, not measured by the
number of products we sell, but by the value we bring to our customers as partners in their businesses. We provide
value to our business customers by understanding these five fundamentals.
1. Your bank should understand your business and your industry.
Business owners want a bank that can anticipate and meet their needs. That’s why our team of
Personal Bankers wants to get to know you, and work to understand your financial goals and help you plan for the
future. Pinnacle Bank works with partners such as the SBA to better serve our customers, and offers solutions for
working capital, equipment needs and cash management.
2. Customer service still matters.
Great customer service can only be experienced if the entire delivery team is on the same page. A single relationship
manager can’t be everywhere at once, so our relationships involve the entire Pinnacle Bank team. We strive to provide
prompt and knowledgeable service any time, every time, and believe this is best delivered by a team of local Personal
Bankers – not by a 1-800 number.
3. Don’t nickel and dime my business.
Customers understand and expect reasonable fees, but they don’t appreciate being hit with a laundry list that seems
to vary from month to month. Fees for speaking to a live person, fees for document review or fees for excessive
branch visits don’t really seem to fit the definition of “reasonable and expected” to us. Our goal is to provide value
beyond expectation with minimal surprises.
4. Be there in good times and bad.
When things are going well, successful businesses get a lot of calls from bankers, but what happens when times
are a little tougher? You deserve a bank that provides resources and services for business growth and success,
as well as one that works with you through tough times to get your business back on track. From meeting loan
payments to avoiding foreclosure and maintaining good credit, some of our most satisfying work comes from helping
companies regain their their footing by offering creative solutions to challenging situations.
5. Technology matters.
Face-to-face banking with friendly people is critically important to our customers, and we think it’s what
Community Banking is all about. Pinnacle Bank is proud to pair our strong customer service with technology that
gives our customers control over their money and information. Solutions like Net Teller, mobile banking and cash
management services give business owners quick and hassle-free banking options.
If your business values this type of service and you want a strong relationship with your bank, then give us a call. We
welcome the opportunity to serve you!
President and CEO