Confidential Planning specializes in the design and implementation of retirement programs for educators and employees of school systems, universities, hospitals, and not-for-profit organizations.

Our decades of experience in the 403(b) market, along with our strong partnerships in the recordkeeping and administration world, have helped us to create our exclusive MultiChoice 403(b) program. MultiChoice was designed to save the employer time and money, simplify the administrative burden and to remain up-to-date with all the new 403(b) regulations. Our offerings include the MultiChoice vendor option and also a single-provider platform, at no cost to your district.

Learn more about how our 403(b) platforms can benefit you. Download our MultiChoice® 403(b) Plan brochure, e-mail us, or contact one of our advisors today.

Confidential Planning is a proud member of the Pinnacle Family of Companies, an organization designed to provide a full range of financial solutions to individuals, businesses, and institutions. For more information on our member companies, visit PinnacleHoldingCo.com.


Fee Transparency – Know how much it is going to cost you annually to use our program

DOL Compliant – K-12 403(b) plans are Non-ERISA, or do not comply with the Employee Retirement Income Security Act of 1974. Our program adheres to the fiduciary standard, which puts our clients best interests first.

Open Architecture – Our plan has investments from some of the best mutual fund companies in the world, creating an all-star lineup to choose from. All of which are non-proprietary, giving us true unbiased opinions.

Low Cost – All of our funds are institutionally priced giving our customers some of the most competitively priced investments on the market. We do not charge up-front commissions or to change your investment selection.

Flexibility – Since our program is open-architecture, you have the freedom to move about the investments in the plan and do not have mandatory holding requirements, that the Tax-sheltered annuities have, holding your money hostage for long periods of time.

Our Fields of Expertise

Professional Advice

All of our representatives are fully licensed and are Registered Investment Advisors (RIA’s). We have some of the best tools and resources to help you maximize your pension, save for kids college, and protect your assets and your loved ones.

Retirement Planning

As a participant in our program, you will receive complimentary access to our financial planning software and calculators. Ask your representative today for a no-cost retirement income plan.

Life Insurance

Whether you just purchased a new home, have a growing family, or would like to get the most out of your pension, we may have a solution that can help protect what matters the most to you and your loved ones. Contact us today if you would like to learn more.

529 College Savings

With college tuition increasing at a rapid rate, see how you can benefit from setting up a 529 College Savings Account and the benefits to you and your family.

We Can Help Employers

At Confidential Planning we have several solutions to help ease the administrative burden on a school district. We offer a single solution for districts looking to pass off the burden of administering a 403(b) plan, where we service and educate all participants, at no cost to the district. We also offer our MultiChoice program as a vendor through various third-party administrators contracted by the school district.

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We Can Help Participants

We believe we our MultiChoice program is one of the best decisions you can make as an employee of a school district. If you would like additional information please type in your contact information and one of our registered representatives will get back to you quickly.

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315.234.1016 | Toll-Free: 800.822.9968 | Fax: 315.251.0042

Securities and advisory services offered through Pinnacle Investments, LLC member FINRA/SIPC. Confidential Planning is an SEC Registered Investment Advisor.

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