Your Strategic Partner
- Legacy Planning
- Long Term Care Planning
- Longevity Planning
Smarter Planning Starts Here
Financial professionals—including RIAs, IARs, CPAs, and attorneys—often face the complex “3-Ls”:Legacy, Long Term Care, and Longevity Planning. These areas demand specialized knowledge, accurate cost modeling, and transparency across multiple carriers. A sub-advisor firm can provide institutional-grade expertise and technology without straining internal resources. By leveraging top-tier platforms like Veralytic, Morningstar Annuity Intelligence, HALO by Lumiant, and Ensight, advisors can deliver fast, resilient, and personalized strategies.
Life Insurance Planning
Fiduciary‑Aligned Insurance Guidance offers clients unbiased, strategy‑driven insurance planning, while maintaining integrity. We provide the expertise; you keep the independence.
Long‑Term Care Strategies
Objective LTC Planning That Protects Clients — Deliver proactive long‑term care solutions grounded in fiduciary duty, not product incentives. Your clients receive clarity and protection, and you stay true to your advisory model.
Longevity & Annuity Expertise
Income Strategies Built for Fiduciaries
Access annuity and longevity planning support designed for advisors. We help you evaluate solutions objectively so clients receive the right fit — not a sales pitch.
We Support Advisors And Clients
Life Insurance and LTC Planning require thorough evaluation of carriers and products to ensure optimal outcomes. We use Ensight for instant comparisons across 50+ top-rated carriers, streamlining quotes and enhancing competitiveness, while Veralytic reveals hidden policy risks through independent ratings. These tools empower Attorneys and CPAs to deliver audit-ready, estate-aligned recommendations for trusts and premium gifting.
Longevity Planning hinges on realistic expense projections. HALO by Lumiant transforms this process by modeling personalized health care and LTC cost trajectories across retirement decades, factoring in regional care prices, medical inflation (historically 5–7%), and probability-weighted.
Proactive LTC Planning That Protects Clients
Long‑term care is one of the biggest risks to retirement security. We help you address it with objective, fiduciary‑aligned strategies that put client well‑being first.
Our Research Advantage
Data‑Driven Tools That Elevate Your Recommendations
Bring clarity and precision to every client conversation with industry‑leading research platforms.
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Business Succession Planning That Protects Your Clients’ Legacy — and Your Fiduciary Standard
Give your business‑owner clients clarity, confidence, and a roadmap for the future with objective, third‑party valuations and strategic planning support from Marshall & Stevens, delivered through The Kimbrough Team at The Pinnacle Group. No commissions. No conflicts. Just expert guidance that elevates your value as a trusted advisor.
On your staff, but not on your payroll
The Kimbrough Team can serve as an extension of a financial advisor’s practice, offering specialized insurance and retirement planning expertise without being direct employees. This structure allows advisors to access their support and services on demand, without the overhead or compliance burden of adding to payroll. It’s a seamless way to enhance planning capabilities while maintaining operational efficiency and fiduciary focus.
Key Benefits
✓ No added compliance burden
✓ No hiring or overhead
✓ Seamless integration into your planning process
Our Team
Kevin Kimbrough
CFP®, CLU®, ChFC®, AEP®, CLTC®
Kevin.Kimbrough@Pinnacleifs.com
Steven Curry
CLTC®
Steven.Curry@Pinnacleifs.com
Kathleen Kimbrough
CLTC®
Kathleen.Kimbrough@Pinnacleifs.com
Let’s Strengthen Your Client Outcomes — Together
© 2026. kimbrough-team.com