An Education Initiative of Pinnacle Wealth
An Education Initiative of Pinnacle Wealth
For 40 years, Kevin Engbers, CFP® has walked clients through the questions that money can’t answer alone: What is your life for? How much is enough? What do you want to leave behind? True Wealth Academy is the home for that work — open now to anyone ready to hang the plumb line.
"True Wealth is everything you have that money can't buy, and death is unable to take away."
Whether you’re starting your career, raising a family, building a business, or planning your legacy — the Plumbline Process meets you where you are. Choose the path that fits the season you’re in.
For the person ready to ask deeper questions about purpose, calling, and what their life is actually for. Walk our proven process at your own pace in a cohort or with an advisor.
If you’re already a Pinnacle Wealth client, the Academy is included — the digital home for the Blueprinting Process and Plumbline Check-Ins your advisor has been doing all along.
Go beyond the standard 401(k) or HR employee benefits. Offer workplace financial wellness that supports your team’s lives is the most differentiated benefit you can offer.
A small group curriculum on calling, sufficiency, generosity, and legacy — for churches and ministries that want a stewardship program their congregation will be engaged in.
Twenty minutes, four dimensions, nine principles, no math. Hang the plumbline against the life you’ve actually built and see with more clarity if the structure is true.
Kevin Engbers is a CERTIFIED FINANCIAL PLANNER™ professional and the founder of Pinnacle Wealth in Sioux Falls, South Dakota. For four decades, he has sat with families on the brink of every major life transition first job, first child, retirement, end-of-life and watched what made the difference between people who arrived in those moments with peace and those who arrived in panic.
True Wealth Academy is the curriculum he wished every family had access to as part of their financial journey. It’s the conversations he’s had for decades with families he’s served, now available beyond a single appointment.
Founder, True Wealth Academy · Pinnacle Wealth
True Wealth lives out in a life that is financially confident, physically fit, spiritually nourished, and emotionally engaged. These four dimensions are the foundation — the corners of the structure True Wealth is built on. They describe what a True Wealth life looks like.
You know where you stand and where you're going. Sufficiency is named, generosity is built in, and money is held with intention rather than anxiety.
You're living in a way your future self will thank you for. Health is a stewardship discipline the body that carries everything else you're trying to build.
There is a bedrock under the rest of the life a deep "why" that holds everything together when seasons change and circumstances shift.
Present with the people who matter most. The relationships money can't replace and time can't recover invested in with the same care as any portfolio.
The nine principles describe how you stay true to the cornerstones the daily disciplines that keep the structure aligned, plumb, and built true over a lifetime.
The plumb line is hung against nine dimensions of a life worth building. Together they form what we call the True Wealth Portfolio — a complete map of what is yours, what is given, and what you’ll leave behind.
Be a living example of the transformational power of love.
Stick to your core values.
Cherish relationships.
Value your health.
Wisely use your financial resources.
Be open to wise counselors.
True Wealth meets you where you are. Seven stages, one continuous journey — from the first paycheck to the legacy you’ll leave behind. Each stage has its own work, its own questions, its own plumb line.
The patterns of a lifetime begin here — not in lessons, but in what children watch the household repeat. The Repeaters stage is for parents and grandparents shaping the earliest financial instincts of the next generation.
Identity is forming. First jobs, first paychecks, first real choices. The Challengers stage helps the rising generation see money as a tool for the life they want — not the destination.
Career, marriage, mortgage, kids, aging parents — everything in motion at once. The Jugglers stage is about living the story you want to tell, not just the one you fell into.
The legacy years. Finishing well. The ethical will, the generosity plan, the final blessing — the things money can’t carry on its own. The Legacy Leaders stage is the completion of the blueprint.
True Wealth Academy mirrors the same five-step process Pinnacle Wealth has refined over four decades of advising families. Walk it once and return to it at every life transition.
A glimpse of how Pinnacle Wealth approaches advising. See the full Proven Process at PinnacleWealth.com →
Get to know each other. Understand what you want most and where you’re starting from.
Listen deeply. Uncover values, priorities, and the questions money alone can’t answer.
Write what you’re building toward the mission, the vision, the plumbline itself.
Build the plan. Investments, tax, estate, generosity each one aligned to the blueprint.
Live it out and check in. Re-hang the plumbline on schedule the work is the relationship.
The True Wealth Podcast goes beyond dollars and cents to explore what truly matters. Through honest stories and meaningful conversations, the Pinnacle Wealth team — hosted by Ryan Ovenden, Kevin Engbers, and Nik Aamlid — leads conversations on living out the 9 Principles of True Wealth.
The Plumbline Assessment is the first step. The result is a personal Portfolio map showing where you’re aligned and where the wall has gone crooked.
