We work best with kind, thoughtful people from all backgrounds. We welcome people of all races, cultures, and ethnic backgrounds, and value relationships built on trust and mutual respect.

We proudly support veterans and military families. We recognize the unique financial decisions and transitions that can come with military service.

We strive to make financial planning welcoming and accessible. This includes supporting neurodivergent individuals, people with disabilities, including invisible or non-apparent conditions, and families helping a loved one who may need additional support.

We proudly affirm and support the LGBTQIA+ community. Everyone should be able to talk openly about their life, family, relationships, and financial goals and know they are welcome here.

Our values are rooted in the Christian tradition of loving and serving others. Our faith guides how we serve, not what we expect our clients to believe. We welcome people of all faiths and those with no religious affiliation.

Who We Typically Serve

We typically work with clients who have $500,000 or more in investable assets and are looking for a long-term financial planning and investment management relationship. We also help clients navigate major life changes, including retirement, career changes, the loss of a loved one, divorce, and other important transitions.

For those who may not meet this threshold, we provide pro bono financial guidance through community organizations and nonprofit partners.

Our mission at Pendleton Financial is to run a business for you, a business that's essential to your success but peripheral to your focus. We take work off your shoulders, and that includes helping you design the optimal retirement plan for your participants, managing it in a cost-effective way, managing risks and overseeing your fiduciary progress, and being a valuable resource for your benefits team and participants.

Measure us by our ideas and our results; we should be bringing you ideas you wouldn't have thought of yourself, and executing them in ways that bring you success.

Our firm focuses on three core areas with our retirement plan clients: 

1. Fiduciary Assistance.  Ensuring the Plan's administrators, investment committee members, trustees and all other fiduciaries understand their fiduciary responsibilities.  We help them navigate their fiduciary responsibilities in many areas including maintaining their Fiduciary Audit File and ensuring the plan is bench-marked and the employees are educated and engaged.  We serve as a 3(21) Fiduciary and have the ability to provide 3(38) Fiduciary services through our affiliates
2. Employee Education and Engagement.  We meet with all employees at least once per year to help them understand the plan and how they can save for retirement.  By engaging employees we drive up participation and increase satisfaction of the employees.  We also help them understand what an awesome benefit it is you are providing.
3. Investment Selection and Monitoring.  We help you select the absolute best available institutional investments for your plan and participants and monitor those investments.  There are no hidden fees or revenue sharing on the plans we manage and monitor.  We evaluate the performance and management of the funds consistently and formally each quarter.

The Department of Labor fines or penalizes 85% of the plans they audit and the average fine is $600,000*.  Fiduciaries like us help mitigate some of this risk through better compliance practices.

Industries we serve:

• Medical
• Engineering
• Biotechnology
• Pharmaceutical
  
• Professional 
• Technology
  
• Retail
• Legal
• Non-Profit

We also assist organizations with deferred compensation and executive bonus plans using mutual funds, annuities and/or life insurance.  Our unique ability to offer not just one product allows us to evaluate what is truly best for your organization and employees, not what is in our best interest. 

UPMIFA, the Prudent Management of Institutional Funds Act has changed your world.  We help you navigate this new world with the best of Fiduciary assistance.  Gray Pendleton serves as the president of a Raleigh based Foundation (we do not manage for conflict of interest) and he helps other Foundations, Endowments and Institutions manage their assets with the best available strategies, while ensuring their Fiduciaries are educated and remain compliant.