Financial Planning
At Twin Peaks Wealth Advisors, we deliver customized, comprehensive financial planning in San Francisco and across the nation. Our mission: address your financial needs and goals show you how to reach your goals with clarity and confidence.
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?
We specialize in answering these questions with tailored, tax-aware financial strategies backed by years of experience in California financial planning and investment planning.
What We Bring to the Table
Accountability Partner
- Take action, overcome procrastination, maintain consistent motivation
- Set deadlines, track progress, celebrate wins
- Gain perspective, build confidence
Maximize Opportunities
- Stay current on the latest trends and investments
- Adapt to changes in California tax planning
- Unlock access to private investments and alternative strategies
More Time On Your Calendar
- Let us handle meetings and paperwork
- You can focus on your family or career
- Regular reviews of changes and adjustments
A Professional Process to Manage Your Finances
- Comprehensive assessment of your financial status
- Goal-setting that reflects your lifestyle
- Custom plan design accounting for investments, taxes, insurance, etc.
Avoid Common Mistakes
- Inadequate diversification
- Underutilization of tax-advantaged accounts
- Improper equity compensation handling
Client Technology Platform
- e*Money: financial planning software, encrypted file storage
- Black Diamond: On demand Performance reporting, Client timeline, meeting notes, investment & market updates
Aligning Spouse on Goals
- Align around goals that excite both partners
- Build a plan that supports what each person values
- Act as an objective third party to keep conversations productive
- Keep sight of the big picture while navigating important details
Behavioral Investment Counseling
- Stay disciplined through market cycles and uncertainty
- Reduce emotional decision-making that can derail long-term success
- Focus on what you can control: savings, allocation, and behavior
- Build confidence with context, perspective, and clear communication
What You Get — Package Details
Essentials 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
- Self-Directed Brokerage strategy within your 401(k) plan (if available)
Equity Compensation
- Stock diversification plan for ESPP and RSUs (click for example)
Retirement
- Review and optimize retirement account contributions (IRA, Roth, etc.) and employer plan selections
- Assist with consolidating old 401(K)s or other employer retirement accounts, handling paperwork and coordinating transfers
- Evaluate employer retirement plans (401(K), 403(b), SEP IRA, etc.)
- Retirement income forecasting and scenario modeling, including Social Security claiming strategies and required minimum distributions
Insurance & Family Planning
- Insurance planning (Life, Disability, Long-term care)
- Assist with completing insurance applications, acting as a liaison between clients and insurance carriers to manage underwriting requirements
- Elect employee benefits & evaluate supplemental coverage needs
- Education and college funding
- Review custodial account contributions
Tax Planning
- Tax-return software analysis (Holistiplan report)
- Mega Back Door Roth Contribution
- Traditional versus ROTH contribution analysis
- Roth IRA Conversion analysis
Complete 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
- Self-Directed Brokerage strategy within your 401(k) plan (if available)
- Alternative investment strategy (private equity, non-traded real estate, private credit, venture capital, hedge funds)*
Equity Compensation
- Stock diversification plan for ESPP and RSUs (click for example)
- Concentrated stock strategies & liquidation (10b5-1 planning)*
- Stock options strategy and stock plan optimization for ISOs and NSOs*
Retirement
- Review and optimize retirement account contributions (IRA, Roth, etc.) and employer plan selections
- Assist with consolidating old 401(K)s or other employer retirement accounts, handling paperwork and coordinating transfers
- Evaluate employer retirement plans (401(K), 403(b), SEP IRA, etc.)
- Retirement income forecasting and scenario modeling, including Social Security claiming strategies and required minimum distributions
Tax Planning
- Tax coordination meeting with your accountant*
- Tax-return software analysis (Holistiplan report)
- Mega Back Door Roth Contribution
- Traditional versus ROTH contribution analysis (click for example)
- Roth IRA Conversion analysis (click to see an example)
- Annual gifting & charitable giving*
Insurance & Family Planning
- Insurance planning (Life, Disability, Long-term care) (click for example analysis)
- Assist with completing insurance applications, acting as a liaison between clients and insurance carriers to manage underwriting requirements
- Elect employee benefits & evaluate supplemental coverage needs
- Education and college funding (click for example analysis)
- Review custodial account contributions
- Estate planning review – updating documents and beneficiaries as needed*
Frequently Asked Questions
What’s the main difference between Essentials and Complete Package?
The Complete Package offers integrated planning in collaboration with an external tax professional, along with more detailed and sophisticated investment strategies. This package 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.
If I want one service from the Complete Package, can I swap that for a service in the Essentials Package I don’t need?
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. We’ll tailor the engagement to fit your needs.
What is the additional fee to include my spouse?
The flat fee of $8,000 for the Essentials Package will include your immediate family.
How will we get started if I choose to engage in the financial planning with Twin Peaks?
- Sign agreement & invoice
- Build your financial profile in eMoney. Connect all accounts; enter income, expenses, and savings to build a 360 view of your finances.
- Together, we complete a risk assessment and identify your priorities and goals.
- Meet regularly over the first 8 weeks to address cash-flow planning, retirement planning, home purchase modeling, education funding, investment and insurance planning, and more. Then, we meet quarterly (or as needed) on specific topics. See the graphic below for a picture of what this could look like.
Does the financial planning package offer unlimited meetings with advisors?
We are typically able to help you with the items in the financial planning engagement in an average of 8 planning sessions. However, it’s common for the engagement to require anywhere between 5 and 12 planning sessions.
We recommend new clients meet 4 times in the first 8 weeks, then spaced out check‑ins every 60 to 90 days. We’ll always schedule the next meeting at the end of a session, so everyone knows what comes next.
Of course, you’re also able to schedule a one-off call when things come up.
How does the financial planning package differ from wealth management?
Financial planning provides the roadmap: strategies for cash flow, retirement, taxes, investment planning, etc. Wealth management includes ongoing portfolio management, alternative investments, risk assessments, and the fee is based on a percentage of assets under management (AUM). Our financial planning packages are flat-fee based.
Your First 90‑Day Financial Planning Roadmap
Here’s a sample meeting schedule for your first three months. Phase by phase, we’ll address cash flow, retirement, investment plan, equity compensation, insurance, tax planning, and more.
Ready to Take Control of Your Financial Future?
Whether you’re a tech executive navigating equity compensation or a high-net-worth family planning for retirement, our San Francisco financial planning team is here to guide you. We specialize in financial planning for executives, equity planning, and tax-efficient decision-making to build a plan tailored to your goals.
Let’s build your roadmap together.
Schedule an introductory call to see how our financial planning services can help you move forward with confidence.
