Independent | Full-Service | Client-Focused

Independent Employee Benefit & Insurance Planning Firm

At Pivotal Financial Services, we pride ourselves on delivering truly independent planning and consulting. This means our clients receive access to unbiased advice, exceptional products, and top-tier services. As fiduciaries, our sole mission is to prioritize YOUR best interests. Unlike larger firms, we are not bound by sales quotas, proprietary products, or corporate bureaucracy. This independence empowers us to make the pivotal decisions necessary to provide personalized, professional service that consistently surpasses the “one-size-fits-all” approach of larger organizations.

Our Philosophy & Mission

Our philosophy is rooted in timeless core values: integrity, professionalism, empathy, responsiveness, and an unwavering commitment to excellence. These principles guide every interaction and decision we make.

Our mission is to build lasting, intergenerational relationships with our clients. By providing sound, objective financial guidance, we strive to secure your financial goals and dreams while ensuring long-term security for you and your family.

Competence & Comprehensive Continuing Education

Our founding principal and CEO, Clarke D. Hedrick, CFP®, has over 33 years of experience and expertise in financial services. Holding the prestigious CERTIFIED FINANCIAL PLANNER™ designation, Clarke has met rigorous certification requirements, including comprehensive education, examinations, and adherence to a strict code of ethics.

This commitment to competence extends across our team, where every professional upholds the highest standards of integrity and prioritizes our clients' best interests above all else.

Fee-Based Services

As a fee-based financial services firm, we provide transparent, objective advice tailored to your unique needs. Our compensation model combines fees and commissions, ensuring that conflicts of interest are eliminated, and our advice remains solely in your best interest.

Whether you need employee benefit plans, insurance planning, investment advice, or assistance with commissionable products like insurance policies, our approach is always transparent, fully disclosed, and focused on your financial success.

Impeccable Reputation

Integrity, honesty, and professionalism are the cornerstones of our firm. While we adhere to the SEC and FINRA’s “Code of Ethics,” these values are ingrained in the very fabric of our organization. Every team member at Pivotal Financial Services lives by this standard, WITHOUT exception.

This commitment has earned us an impeccable reputation and unparalleled client retention. The greatest compliment we receive is the trust our clients show by referring us to their family, friends, and colleagues.