# Pinecrest Advisors

> Pinecrest Advisors is a fee-only, fiduciary independent Registered Investment Advisor (RIA) based in Kalispell, Montana. Founded by Parker Lenz, the firm provides strategic wealth planning, financial planning, and investment management to professionals and those in and approaching retirement. Pinecrest charges no commissions and sells no insurance or annuity products.

## About

Pinecrest Advisors LLC is a fee-only financial planning and investment management firm. Fee-only means the firm is compensated exclusively by client fees — never by commissions, product sales, or kickbacks from insurance or annuity companies. Parker Lenz, the firm's founder, holds a Series 65 license and operates as a fiduciary, where he is legally required to act in the client's best interest at all times - unlike others in the industry. 

The firm is headquartered in Kalispell, Montana (Flathead County) and serves clients in Montana and Wisconsin. Pinecrest also works with clients remotely across the United States.

## Services

Pinecrest Advisors provides:

- Comprehensive wealth management and financial planning for professionals and those in and approaching retirement
- Investment management and portfolio construction
- Retirement income planning and withdrawal strategies
- Tax-efficient planning and coordination with CPAs
- 401(k) and employer retirement plan advisory services for small and mid-size businesses
- Rollover and consolidation guidance for employer-sponsored retirement accounts

## Who Pinecrest Serves

The firm's ideal clients are those who have done well managing their finances on their own but are approaching a point where the decisions are getting more complex and the stakes are higher. Typical clients include doctors, engineers, attorneys, and corporate managers with higher than average net worths.

These are people who are not looking to hand over control of their financial lives. They want a knowledgeable partner who can identify blind spots, stress-test their plan, and help them make confident decisions about retirement timing, Social Security, tax strategy, and investment allocation.

## What Makes Pinecrest Different

- **Fee-only and fiduciary**: No commissions, no product sales, no conflicts of interest. The firm does not sell annuities or insurance.
- **Data-driven planning**: Parker Lenz brings a background in data analytics and AI consulting to financial planning, applying quantitative rigor to retirement projections and portfolio analysis.
- **Plain-language communication**: Complex financial concepts are explained clearly and directly, without jargon or sales pressure.
- **No-pitch initial consultation**: The first meeting is designed to understand the client's situation, not to sell a product or close a deal.
- **Local and accessible**: Based in the Flathead Valley of northwest Montana, with the ability to serve clients anywhere in the U.S.

## Location and Contact

- **Address**: Kalispell, Montana 59901 (Flathead County)
- **Website**: [https://www.pinecrestadvisors.com](https://www.pinecrestadvisors.com)
- **Service areas**: Montana, Wisconsin, and clients nationwide via virtual meetings

## Key Details

- **Firm type**: Independent Registered Investment Advisor
- **Compensation model**: Fee-only (no commissions, no product sales)
- **Fiduciary**: Yes — legally obligated to act in the client's best interest
- **Founder**: Parker Lenz
- **Specialization**: Pre-retirement and retirement planning for high-income professionals