Who We Serve
Below are a few (but not all) of the common client profiles and households
we work with.
Tech Professionals + Startup Founder & Employees
As Bay Area advisors for 15 years, we have become expert in tech wealth management. From managing your equity compensation to capital gains tax strategies to lending solutions for founders, we will cover it all.
Here are our priorities for tech professionals and startup founders/employees:
- Pre and post liquidity planning
- Stock options strategy and stock plan optimization
- Tax coordination with your accountant
- Construct a diversified investment portfolio
- QSBS planning
- 5-year cash flow planning and savings projection
- And MORE!
Married Household with Children
For our clients who have kids, we know that their time is rarely their own. Outsourcing all financial considerations and planning is the utmost priority for those households.
Here are our priorities for those households with children:
- Cash flow analysis with frequent updates (kids are expensive!)
- Managing your debt strategy
- Evaluating and purchasing necessary life, disability, or long term care insurance
- Establishing a diversified investment strategy
- Tuition and education planning
- Assess retirement savings and evaluate retirement strategy
- Establishing an estate plan for when you are no longer around to provide
- And MORE!
Pre-Retirees
For individuals or couples who are approaching retirement, developing a cohesive strategy is a key exercise to get you on your path to retirement.
Here are the common topics we address:
- Assess retirement savings and evaluate retirement strategy
- Construct a strategy to pay for your fixed expenses in retirement
- Develop a holistic investment strategy with an emphasis on risk management and income generation
- Determine long-term-care needs
- Plan for major expenses such as a child’s wedding, a retirement home, etc.
- And MORE!
Retirees
For individuals or couples who are already in retirement, making sure you have a plan for your income, withdrawals, and taxes is an integral part of your retirement plan. Furthermore, having a plan for your personal care needs and legacy goals can provide peace of mind.
Here are some ways we help retirees:
- Develop your retirement income plan
- Create a budget/plan for your advanced healthcare needs
- Evaluate the tax treatment of your income streams
- Build in downside protection into your investment portfolio
- Identify your legacy planning and charitable giving goals
- And MORE!
Twin Peaks Wealth Advisors
Financial peace of mind through a professional process
Personalized advice, coordinated strategies, and real accountability for families who have built meaningful wealth
We provide financial peace of mind
Through a professional process, personalized services, and real accountability — we coordinate every dimension of your financial life so nothing gets missed.
What We Integrate
Investments, tax planning, risk management, and estate considerations — all in one coordinated strategy built around your life.
Our Commitment
Advice and accountability on an ongoing basis — not a product sale, not a one-time plan. A long-term professional relationship.
Our ideal client
We work with individuals and families — primarily tech professionals and executives — who have built meaningful wealth and are ready for a long-term advisory partner, not a product salesperson. Sound like you?
You Strive For Success
You believe in having a plan, being intentional, and doing the work to implement a strategy that moves you toward your goals and dreams.
You Want a Long-Term Partner
You want a collaborative, qualified advisor for the long haul. Lifelong relationships and goal pursuit are at the heart of why we do what we do.
You Can Delegate
You know there are experts in every field and you prefer to delegate financial responsibilities so you can focus on the things and people you love most.
You Appreciate a Comprehensive Strategy
You prefer one trusted, qualified team that knows the ins and outs of your entire financial picture and looks at everything holistically.
You Love Life
You believe in a high quality of life and value financial confidence. You care more about living the life you've always dreamed of than chasing a rate of return.
You Are Accountable
You value the honest check-in questions that keep you on track. You know that those conversations mean you are progressing toward the goals you have set.
You Understand Limits
You know not everything is in your control. By focusing on what you can control, you continue to move forward despite setbacks and uncertainty.
You Value White-Glove Service
You want quality service and are willing to pay for it. You appreciate complete transparency around pricing and the premium services that come with it.
The G.R.O.W. framework
Our process is built around four stages. Tap each card to explore how we move through your financial life together.
G
Goals
Tap to expand
- Identify where you want to go
- Define what your ideal life looks like
- Align spouses on a shared vision
- Set the goal posts for every recommendation
R
Resources
Tap to expand
- Take full inventory of what you've accumulated
- Review what you are already doing
- Assess existing accounts, plans, and strategies
- Identify gaps before recommending anything new
O
Obstacles
Tap to expand
- Surface known and unknown barriers
- Identify tax gaps and estate blind spots
- Uncover insurance and risk exposures
- Address behavioral and decision patterns
W
What Now
Tap to expand
- Lay out clear, prioritized action steps
- Help your family act with confidence
- Execute consistently — not just once
- Stay accountable together over time
What sets us apart
We are not a typical advisory firm. Here is what makes our approach different.
Two advisor model
More eyes on more areas of your finances. Two advisors means broader coverage and stronger accountability for your family.
Founded in personal experience
Our founders' planning journey began at age 14 after losing their father. We understand that planning is about people, not just portfolios.
Present and future, balanced
We believe families can plan prudently and still live fully today. Life and wealth should work together, not against each other.
Relationship first
We believe relationships are the strongest form of currency. Value alignment is the foundation of every long-term partnership we build.
What clients say we bring to the table
These are the outcomes our clients tell us matter most to them.
Accountability partner for major financial decisions
Aligning spouses on shared goals
Maximizing opportunities others miss
More time back on your calendar
A professional process for every decision
Avoiding common and costly mistakes
Behavioral investment counseling
Tech tools that provide real clarity
Our Core Values — PEARLS
| Value | What It Means To You | |
|---|---|---|
| P | Proactive | We anticipate tax changes, life events, and market shifts — and act before you have to ask. |
| E | Education | We explain the why behind every recommendation so you always understand the decisions being made. |
| A | Accountability | We do what we say we will do — for our clients and for ourselves — every single time. |
| R | Responsibility | We treat your wealth with the same care and diligence we would apply to our own family's finances. |
| L | Leadership | We guide families forward with clarity and confidence, especially when decisions are complex or emotional. |
| S | Support | We are in your corner for the long haul — through market volatility, major life changes, and everything in between. |
Is the company you work for going through an IPO or acquisition?
