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Empowering financial growth

Apple Employees

Did you know that you have special benefits as an Apple employee? We can help you optimize your benefits.

  1. The Apple 401(K) – The 2025 401(K) maximum contribution is $23,500.
  2. Are you taking advantage of Apple’s Mega Backdoor Roth benefit? We can walk you through the implementation.
  3. Are you aware of Apple’s low-fee investment options that could grow your 401(K)? Apple offers low-fee options for both index funds and target date retirement funds.

Everyone has their financial goals, but not everyone knows how they will get there.

  • How much risk should I take to reach my goals?
  • Do I have enough to retire and at what age?
  • How do I save for my children’s education and my retirement at the same time?
  • How can I be as tax-efficient as possible?

These are all valid questions, and fortunately, we have the answers.

Twin Peaks Wealth Advisors LLC is not affiliated with Apple or the Apple benefits department. Twin Peaks Wealth Advisors has personal financial planning relationships with multiple clients who are Apple employees.

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Our Apple Services

Let’s Make It Easy. Start Here.

What Our Clients At Apple Say We Bring To The Table

Accountability Partner

  • Take Action | Stop Procrastinating | Improve Motivation
  • Set Deadlines | Make Progress
  • Greater Perspective & Confidence 

Maximize Opportunities By Staying in the Know

  • Latest Trends and Investments
  • Consider Changes in Tax Landscape
  • Gain Access to Private Investments
  • Minimize Risks

More Time On Your Calendar

  • Focus on Your Personal Life
  • We Set Meetings
  • Discuss Any Changes
  • Remain on Track

A Professional Process to Manage Your Finances

  • Assess Current Situation
  • Set Realistic Goals
  • Design Custom Plan
  • Account For All Considerations

Avoid Common Mistakes

  • Inadequate Diversification
  • Not Taking Advantage of Tax-Advantaged Accounts
  • Poor Investment Choices

Client Technology Platform

"Done For You" Ongoing Engagement | Wealth Management

Our most comprehensive offering with a 360 management of your finances.

 

  1. Financial Planning
  2. Ongoing Investment Management
  3. All other unique financial needs i.e. estate planning, special tax coordination, etc.

$2,000,000 minimum with TPWA

 

Download Fee Schedule

“Done With You” | A La Carte Packages

If you are requiring help on a specific area of your finances, the following flat-fee packages are right for you.

iEssentials Package

Starting at $8,000

We deliver on this engagement
in 180 days or less

Goals & Cash Flow Planning

  • Outline short, intermediate, and long-term financial objectives
  • 5 year cash flow and savings projection (click the link to see a video of an example)
  • Assistance with major purchases (i.e. home buying help)

Investment Planning

  • Develop your concentrated stock liquidation strategy
  • Build a go-forward investment plan for your future savings
  • Investment portfolio analysis and recommendations to asset allocation and/or target date funds
  • Fidelity Brokeragelink

Equity Compensation

Retirement

  • Review retirement account contributions (IRA and Roth)
  • Evaluate Fidelity 401(k) plan
  • Retirement income forecasting and planning 

Insurance & Family Planning

Tax Planning

iComplete Package

Starting at $15,000

We deliver on this engagement
in 180 days or less
*Designates Unique to Complete Package

Goals & Cash Flow Planning

  • Outline short, intermediate, and long-term financial objectives
  • 5 year cash flow and savings projection (click the link to see a video of an example)
  • Assistance with major purchases (i.e. home buying help)

Investment Planning

  • Develop your concentrated stock liquidation strategy
  • Build a go-forward investment plan for your future savings
  • Investment portfolio analysis and recommendations to asset allocation and/or target date funds
  • Fidelity Brokeragelink
  • Alternative investment strategy (private equity, non-traded real estate, private credit, venture capital, hedge funds)*

Equity Compensation

Retirement

  • Review retirement account contributions (IRA and Roth)
  • Evaluate Fidelity 401(k) plan
  • Retirement income forecasting and planning 

Insurance & Family Planning

Tax Planning

Insurance & Family Planning

Apple Vesting Schedule (Twice Per Year, Initial Grant Varies)

  • ~April 15th, 2025
  • ~October 15th, 2025

More About Apple’s Deferred Compensation Plan

The First 3 Months - iComplete

Please note that the below meeting structure is just an example. Meeting topics and frequency will be adjusted based on your specific situation.

Meeting notes

Frequently Asked Questions

What’s the main difference between iEssentials and iComplete?

The primary distinction between the plans is that the iComplete Package offers integrated planning in collaboration with an external tax professional, along with more detailed and sophisticated investment strategies. This package particularly focuses on liquidation strategies for company insiders who are subject to material non-public information and blackout trading windows and eligible for 10b5-1 trading plans. Coordinated planning ensures that your strategy is crafted with complex financial planning and tax implications considered, providing a more holistic approach to managing your finances.

Yes, you can. Our packages are priced based on how much time we spend with you so let us know what you have in mind and we’ll tailor the engagement to fit your needs.
For the Complete package, there are no extra fees to include your spouse. The flat fee of $8,000 for the Essentials package will include your whole family.

View Our Pricing Below