Pinkerton Retirement Specialists Review

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Pinkerton Retirement Specialists, registered in 2010, serves 14 state(s) with a licensed staff of 8 advisors. Pinkerton Retirement Specialists manages $763.6 million and provides investment advisory services for 754 clients (1:95 advisor/client ratio).

Firm Information

Summary Firm
Overall Rating
Minimum Investment $500,000
Average Client Balance $1,012,773
Total AUM $763.6 million
Advisor / Client Ratio 1:95
Website Visit Site
Phone Number 800-634-2008
Headquarters Coeur d'Alene, ID
Locations See locations
SEC Filings View SEC IAPD CRD #120973

Disciplinary Questions

After checking the disciplinary records of Pinkerton Retirement Specialists, our system found no disciplinary questions to ask. Checks take place monthly.

Conflict Questions

After checking the regulatory records of Pinkerton Retirement Specialists, our system has identified the following question(s) to ask. Learn more.

What percentage of income does Pinkerton Retirement Specialists receive from fees versus commissions?

Pinkerton Retirement Specialists can accept commissions for its investment advisory services. These commissions may be earned from the sale of investment or insurance products and are paid by the companies providing the products being sold. While this allows for a broader range of investment options and management styles a firm can offer, it can also create an incentive for the firm to put their financial interests ahead of your own. Is the firm’s purpose to provide you financial planning and ongoing advice or to sell commission-based products to its clients?

Is Pinkerton Retirement Specialists also a Broker-Dealer or are they affiliated with one? What conflicts arise from this relationship? How does Pinkerton Retirement Specialists mitigate them?

Currently Pinkerton Retirement Specialists is also a Broker-Dealer or is affiliated with one. When firms are dual-registered as broker-dealers, they may be subject to compensation-related conflicts of interest, including revenue sharing from mutual funds, cross-selling of commissioned insurance products, and the sale of proprietary investment products. All of these conflicts can negatively impact clients via hidden fees and overall higher costs.

Does Pinkerton Retirement Specialists offer mutual funds that have 12b-1 fees?

12b-1 fees increase the total annual cost of owning a mutual fund with no guarantee of higher returns. Some firms receive these fees as payments, which creates an incentive to promote them.

How does Pinkerton Retirement Specialists approach insurance sales? What conflicts do I need to be made aware of?

Currently Pinkerton Retirement Specialists actively practices as insurance brokers or agents, or they are affiliated with an insurance company or agency. This arrangement creates a conflict where the firm and its representatives may be motivated to insure clients with products, including annuities and life insurance, that generate high sales commissions when lower-cost alternatives may exist.

Which securities does Pinkerton Retirement Specialists trade for itself that it will also be recommending to me?

Pinkerton Retirement Specialists has marked in their disclosures that they trade recommended securities. While this often can be seen as "eating your own cooking," there are several inherent conflicts that can arise. For example, front running is when a financial professional buys or sell securities ahead of their client. In short, any financial professional should disclose all positions they hold (or have sold short) that they will also be recommending to you.

Our system found no other conflict questions to ask. Checks take place monthly.

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Disciplinary History

An important aspect of the Trust Algorithm is processing the SEC Form ADV Part 1 filing of each Registered Investment Advisor (RIA). “Item 11 Disclosure Information” contains a list of valuable disclosures that are relevant for Americans.

As identified in SEC Form ADV Part 1, Item 11 “Disclosure Information”, the Trust Algorithm identified the following disciplinary disclosures for Pinkerton Retirement Specialists:


Unfortunately, there is no single, uniform pricing standard for working with a financial advisor. Catchphrases, including "fee-only," can be helpful; however, Americans often get confused with competitors promoting "fee-based" in response.

Ultimately, to understand the underlying costs of advisory services, we always recommend asking for an itemized fees breakdown and reading the firm's ADV Part 2 Brochure (Item 5, "Fees and Compensation").

View Fee Disclosures


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This automated report was generated using SEC and FINRA data and was last updated on October 11th, 2021*. For data support, email "". Views: 190 (trailing six months). Firms that receive a 4.5 or 5-star rating are considered Trusted by Learn more.

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