Financial Peak

Financial Peak provides investment management and financial planning to individuals, high‑net‑worth individuals, charitable organizations, and businesses, delivering tailored portfolios and written financial plans that address retirement, estate, tax, cash‑flow, and business‑planning needs. The firm reports managing roughly $13.5 million for a small client base and offers both limited‑scope project engagements and ongoing comprehensive planning.

The firm’s investment approach emphasizes modern portfolio theory and primarily passive management, constructing portfolios from index mutual funds, ETFs, or equities to target asset‑allocation and risk‑return objectives; it also uses model portfolios available through Charles Schwab’s platform and may engage third‑party strategists for some client accounts. Financial planning is integrated with portfolio management and is offered under a variety of arrangements (fixed‑fee, hourly, and ongoing monthly engagements) with periodic reviews tied to client goals.

Noteworthy distinctions include the principal’s separate activity as a licensed insurance agent, disclosed as occupying a small portion of time, which the firm identifies as a potential conflict when insurance products are recommended. The firm also offers educational seminars and speaking engagements for groups (sometimes pro bono) and explicitly discloses its use of Schwab’s model platform and related third‑party model arrangements and the attendant conflicts of interest.