We want you to see the full value of a relationship with Twin Peaks Wealth Advisors. We hope this will answer many of your questions.
Our Story
Our financial planning journey started when we were 14 years old. That was the first time we learned what a financial planner is.
Our father, who was the primary breadwinner and financial decision maker of our household, was diagnosed with stage four cancer and only had 6 months to live. Prior to his passing, he hired a financial planner to help my mom with this aspect of her life. When we first started working with him, we were very anxious about our financial future and had several questions/unknowns: would we be able to live in the same house? Would we be able to go to college without needing student loans? Could my mom retire in the Bay Area with her existing assets and the life insurance proceeds she would receive?
Working with a planner allowed us to put a structure and process behind our family’s finances with key action steps we had to take along the way. By evaluating and modifying our strategy and investments regularly, we were able to attain the financial goals my mother had laid out. His advice moved us to action with clarity and confidence.
Our own story is what drives us. We’ve seen, firsthand, the benefits of working with a planner and we want to bring that same confidence and clarity to the clients we serve.
Our Core Values
Organization
We will help bring order to your financial life, by assisting you in getting your financial house in order (at both the “macro” level of investments, insurance, estate, taxes, etc., and also the “micro” level of household cash flow).
Objectivity
We bring insight from the outside to help you avoid emotionally driven decisions in important money matters, by being available to consult with you at key moments of decision-making, doing the research necessary to ensure you have all the information, and managing and disclosing any of our own potential conflicts of interest.
Education
We will explore what specific knowledge will be needed to succeed in your situation, by first thoroughly understanding your situation, then providing the necessary resources to facilitate your decisions, and explaining the options and risks associated with each choice.
Accountability
We will help you follow through on financial commitments, by working with you to prioritize your goals, show you the steps you need to take, and regularly review your progress towards achieving them.
Proactivity
We work with you to anticipate your life transitions and to be financially prepared for them, by regularly assessing any potential life transitions that might be coming, and creating the action plan necessary to address and manage them ahead of time.
Partnership
We attempt to help you achieve the best life possible but will work in concert with you, not just for you, to make this possible, by taking the time to clearly understand your background, philosophy, needs and objectives, work collaboratively with you and on your behalf (with your permission), and offer transparency around our own costs and compensation.
Our Mission
Provide financial confidence by delivering customized financial advice designed to give clients the ability to pursue their goals. We drive customer value and aim to differentiate ourselves by:
1
Saving time and energy
Researching and executing investment strategies can be overwhelming and outsourcing it can relieve your mental capacity.
2
Access to Investment Opportunities
Investment options evolve regularly and new opportunities are not always readily available to the public. As your financial advisor, we will proactively share new growth ideas that fit your short and long-term financial objectives.
3
Optimize for Tax Relief
Our experience can help you navigate your unique investment and tax scenario.
4
Increasing confidence
we take an educational approach to financial planning & investing with our clients to help you avoid common mistakes, understand your goals, and hold you accountable to those goals. We look at multiple approaches and proactively share the benefits and considerations of each path.
5
Transparent Service Packages
clients have different needs at different life stage and we offer a broad spectrum of solutions (from flat-fee investment packages and ad-hoc hourly consulting services to specialized Exit Planning and Estate Planning offerings) to give us the flexibility to work with almost anyone is who is need of our help. From our $400 per hour consulting service to our flat rate packages, we offer clients 100% transparent billing with no hidden fees or charges. We also advise on a household basis and do not charge additional fees to include spouses unless it is a unique situation where finances are completely separate and an entirely different investment strategy is required
Frequently Asked Questions
What’s the value proposition of hiring Twin Peaks Wealth Advisors (TPWA)?
- Save hours of time researching financial planning topics and investment strategies.
- Moving to action on financial planning items and investment strategies that may have otherwise been placed on your mental back burner.
- Avoid the common mistakes.
- Know you’re striving to maximize opportunities available to you.
- Have someone outline your goals and hold you accountable to them.
- Have new ideas brought to you proactively and regularly.
- Consistently take action towards your goals by design rather than by default.
- Access to alternative investments, risk-managed investing, and separately managed accounts.
What makes you different?
- We show you, don’t just tell you.
- We take an educational approach in evaluating planning and investing strategies with our clients. We look at multiple approaches and educate you about the benefits and considerations of each path.
- Twin brothers born and raised in the Bay Area who are committed to making sure that people in our communities have access to an experienced financial partner.
Also, with Exit Planning, the game is completely different. The tax code around equity compensation is complicated, and it takes experienced financial consultants and outside CPAs to tackle its strategy. We think it is important that people know the advanced strategies out there when dealing with their equity, and we have been helping clients strategically navigate exits for 13 years.
We offer a full service Estate Planning package that is an end-to-end planning strategy for you. We will educate you on the documentation, discuss general estate planning and gifting strategies, refer the drafting of the documents to experienced estate planning attorneys, and more. We believe estate planning is a critical component to getting your financial house in order.
What if I only need advice on an ad-hoc basis?
If you have some money and just want advice on investments, you can check out our flat-fee investment packages. We give you the advice. You implement.
Some wealth advisors have a minimum. What if I do not have enough money to work with you?
While we do have an asset minimum for our Complete Wealth Management packages, all of our other packages are flat fee. Our flat fee packages give us the flexibility to work with almost anyone who is in need of our help. If you are early on in your career and just beginning your financial journey, we have a Financial Planning Starter package that could be a fit for you. If you are later on in your career and looking to plan for retirement, you can check out our Financial Planning Essentials/Advanced or Retirement Planning packages.
We suggest scheduling an introductory call where we can learn more about your financial situation on a deeper level. During that conversation, we can find the appropriate service or package for you. And sometimes, we may suggest that you are doing great and don’t really need our help, and that’s okay too!
What is the additional fee to include my spouse?
Nothing. At TPWA, we advise on a household basis. Unless it is a unique situation where finances are completely separate within the household and the advice is different, our packages apply to the entire household.
