195 Senior Level Advisors in 36 states & Canada, providing exit, transition, and succession planning services to privately held business owners

What Is Pinnacle Equity Solutions

Pinnacle Equity Solutions is a national association of senior-level, professional advisors who are all trained and supported in a common system to deliver high quality, customized solutions to business owners regarding the eventual exit from their privately-held businesses

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Buy John M. Leonetti’s Book

Exiting Your Business, Protecting Your Wealth by John M. Leonetti, CEO of Pinnacle Equity Solutions, Inc.

Exiting Your Business, Protecting Your Wealth
by John M. Leonetti,
CEO of Pinnacle Equity Solutions, Inc.

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Contact Us

Ray J. Fernandez, Jr., CPA*, CFP®, CLU®

“I specialize in helping small business owners transfer their business to their chosen successor while reducing their tax liability. In many cases, this has meant the difference between keeping the business going or liquidating it to pay estate taxes.”

 

Ray Fernandez 2016

Sagemark Consulting

1330 Post Oak Boulevard

Suite #2800

Houston, TX  77056

(713) 552-7928 – phone

(713) 552-7999 – fax

Ray.Fernandez@lfg.com

 

 

 

Comprehensive Fee Based Financial Planning including:

  • Investment Planning
  • Estate / Asset Protection Strategies
  • Retirement Planning
  • Long-Term Care Planning
  • Executive Compensation and Benefits
  • Business Succession
  • Transition Planning

 

  • Ray has earned the CERTIFIED FINANCIAL PLANNER ™ certification (CFP®), CPA* (Certified Public Accountant), and a CLU (Chartered Life Underwriter) designation by the American College of Financial Services.

 

  • Ray is a member of the Business Intelligence Institute, a select group of Sagemark Consulting / Lincoln advisors that focuses on the needs of business owners and provides Business Owner Planning and Advice, Exit and Succession Planning, Executive Compensation, and Corporate Retirement Plans and Benefits.

 

  • Ray is a member of the Financial Planning Association (FPA), the American Institute of CPAs (AICPA), and the National Association of Insurance and Financial Advisors (NAIFA), Comprehensive Fee Based Financial Planning including Investment Planning, Estate / Asset Protection Strategies, Retirement Planning, Long-Term Care Planning, Executive Compensation and Benefits, and Business Succession / Transition Planning.
 
 
 
Ray J. Fernandez, Jr. is a registered representative of Lincoln Financial Advisors Corp., a broker-dealer (member SIPC) and registered investment advisor offering insurance through Lincoln affiliates and other fine companies.  Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. * Licensed but not practicing on behalf of Lincoln Financial Advisors. This firm is not a CPA firm.  CRN-2022033-020818