What is your minimum investment?

Our wealth management services (investment management and ongoing financial planning and consulting) are tailored to clients with $2,000,000 or more of investable assets. For clients with less than $2,000,000 in assets under management, but have $500,000 or more in assets under management, we provide investment management services without the ongoing financial planning and consulting component. We may, in our sole discretion, waive or reduce these minimum account requirements depending on the client’s individual circumstances.

How much do you charge?

We primarily work off of an asset-based fee, anywhere from 0.5% to 1.5% of the assets being managed, depending on the size and scope. But we offer flat-fee engagements as well, and so tailor the pricing to each client’s situation. What is most important to us is that our fee is holistic – covering the wide array of services we offer – and it is transparent. You clearly see what you are paying, our total compensation. When using advisory services, you can be confident we do not receive hidden fees, third party compensation, or other forms of payment off our relationship with you. What you pay is terminable at any point with no penalty to you, and as you are the one compensating us – our focus is delivering value to you.

How do I open an account?

You don’t. We do. Before one becomes a client we need to go through a process with you – to know you, to make recommendations for you, to generate a proposal for you, etc. Start with a conversation with an advisor. We’ll take it from there. And if and when it gets to the point of opening accounts, our fantastic operations team does all the heavy lifting.

How can I view my account online?

You will have convenient online access found on our website.

I don’t know a lot about investing. Will you be able to explain unfamiliar topics to me in a way that’s easily understood?

Investing and financial planning can be confusing and intimidating topics for many clients. Ongoing education and guidance are a big part of what the relationship with our team will provide when we work together. Whether you want a deeper understanding of concepts or a basic explanation of what we can provide, we are always willing and available to offer clear and easy-to-understand guidance.

What is your investment philosophy?

Our firm’s philosophy prioritizes growing wealth while managing risk. We seek to provide our client’s returns that align with their specific risk tolerance and personal goals while managing downside risks. Risk and rewards have a strong correlation with each other, so we seek to optimize returns without taking outsized risks to work towards those returns.

Are you available to answer my questions when I have them? Will I be billed for each time I call you?

We are always available to answer your questions and we won’t send you an invoice either! Both our wealth management and financial planning engagements include full access to the entire Wealth Advisors team. We are available to answer your questions by phone, email or Zoom and are committed to providing accurate and timely answers to your questions.

What is

Wealth Management?

Q: Where can I find information on your investments?

Out of the process described above, any proposal we generate will cover as much or as little investment granularity as is warranted and appropriate. But we are a boutique private wealth advisor, not a mutual fund company. Our investment management is customized.

Wealth management is more than just investment advice—it’s a holistic approach to managing your entire financial life. At Twin Peaks Wealth Advisors, we integrate financial planning and investment services to help high-net-worth individuals and families in the San Francisco Bay Area work towards their long-term goals that can help give them peace of mind.

Our wealth management framework includes two core components:

Together, these services form the foundation of a personalized strategy that adapts as your life and goals evolve.

Our Transparent Fee Structure

Our Wealth Management service is offered for an annual advisory fee, calculated based on the total value of the assets we manage on your behalf. For detailed information, please refer to our fee schedule below.

Relationships start at $2,000,000

Note: We may waive or reduce our minimum asset requirements at our discretion, depending on your individual circumstances.

What We Bring to the Table

The Wealth Management Process

Our structured approach ensures all aspects of your financial life are addressed:

1. Discovery

Understanding your financial situation, goals, and values.

2. Strategy Development

Crafting a customized plan encompassing investments, taxes, and estate considerations.

3. Implementation

Executing the strategy with precision and care.

4. Monitoring and Review

Regularly assessing progress and making necessary adjustments.

Our commitment is to provide ongoing support and guidance as your financial needs evolve.

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

Frequently Asked Questions

What kind of investments do you help your clients diversify into?

Outside of stocks and bonds, we also help clients diversify into private real estate, private equity, structured notes, private credit fund, hedge funds, and venture capital. We also help our tech clients diversify their company stock into tax-efficient strategies such as exchange funds, direct indexing, and qualified opportunity zone funds.

Where can I find information on your investments?

Any proposal we generate will cover as much or as little investment granularity as is warranted and appropriate. We are a boutique private wealth advisor, utilizing a wide range of investment solutions in client portfolios. While many of the investments we’ll use in your accounts may be similar to other clients’ portfolios, your precise portfolio allocations will be customized. You will receive emails with information, websites, performance, and commentary on investments in consideration for your portfolio.

Can you tell me how your portfolios have performed historically?

Yes. We primarily utilize portfolio strategies from large institutional asset managers such as Blackrock, JP Morgan, Fidelity, where performance data is transparent and updated on a regular basis. Same goes for the majority of the Alternative Investments we utilize in client’s portfolios. The sponsors publish performance data on their funds at regular intervals. As we evaluate strategies appropriate for your objectives, we dive into returns, risks, expected volatility, and more.

How often do you make changes in my portfolio?

You can expect to see trades in your account on a quarterly basis as your portfolio is rebalanced. There are instances where trading may be more active such as during account transfer, new cash that needs to be invested, a change to your overall strategy, or due to tax-loss harvesting. If you see 0 trades in your account during a quarter, it means we determined no further action was required. You can rest assured that we are monitoring your account at all times.

Do I still have a say over what investments are made in my account under management?

Of course. You may inform us of any investment preferences and requirements, and you retain the ability to trade in your own accounts at any time. You are the ultimate decision maker, and we are here to partner with you to make educated and timely decisions.

What if I can’t meet the asset management minimum, can I engage and work towards it?

We are happy to engage with you in a financial planning capacity until your asset level warrants having Twin Peaks manage your accounts. Our hope is to always overdeliver and deepen our working relationship regardless of the engagement model that’s right for you.

Can I start small and scale up over several months to your $500K minimum for your investment management package?

We are happy to work with you in a financial planning capacity until there is $500K or more to manage, in which we can also engage in an investment management relationship.

What Will My Year Look Like?

At Twin Peaks Wealth Advisors, our approach to wealth management isn’t reactive; it’s proactive and intentional. Financial clarity comes from consistent, well-timed planning. That’s why we follow a customized, comprehensive annual calendar to ensure nothing falls through the cracks.

From tax planning and investment reviews to retirement planning and estate updates, we help you stay on track all year long.

Your Financial Journey with Twin Peaks

At Twin Peaks Wealth Advisors, wealth management isn’t a one-time event— it’s an evolving partnership that grows with you. Whether you’re focused on structuring your portfolio, planning for retirement, or ensuring your wealth creates a lasting impact, we provide guidance at every stage.

This visual framework outlines the four key phases of your financial journey:

Wealth Management?