Five Peaks Financial Consulting, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides personalized financial planning and investment advisory services to individuals, pension and profit‑sharing plans, trusts, estates, charitable organizations and small businesses, working with a small number of high‑net‑worth households. Its service offerings include comprehensive financial planning (cash‑flow, tax and estate planning), assistance selecting and monitoring investment managers, pension consulting, and placement of life, disability and long‑term care insurance products.
The firm typically operates in a non‑discretionary capacity: it recommends strategies, creates investment policy statements, and selects third‑party discretionary managers on behalf of clients, while the managers or clients retain day‑to‑day trading authority. Investment selection is informed by fundamental and quantitative analysis, a psychometric risk‑tolerance assessment, periodic reviews (usually semi‑annual or annual), and use of an investment platform that provides reporting, trading and strategist oversight.
Distinctive features include maintained insurance licenses and ongoing pension design and estate‑administration work billed on an hourly basis, which supplements the adviser‑selection and planning services more common among peers. The firm also emphasizes succession planning through formal referral arrangements to vetted third‑party advisory firms and brings a principal’s background in tax, pension design and prior professional credentials to those advisory and consulting engagements.
Client services
Expertise
Fee options
Fixed quarterly consulting or retainer fees based on expected annual time needed; negotiable.
$0 - $50,000: 0.45% (OPS administration fee) $50,000 - $500,000: Between 0.45% and 0.15% (OPS administration fee, tiered schedule) $500,000+: 0.15% (negotiated OPS administration fee breakpoint) $0 - $1,000,000: Examples: 0.80%-1.00% (FPFC fee range depending on review frequency) No limit+: 0.30% - 1.50% (FPFC advisory fee range for assets managed)
$400-$500 per hour for financial planning, tax consulting, and pension design services by Joyce Rolfes.
Account minimum: $500,000 (recommended for multi-manager accounts), $100,000 (recommended for accounts held directly at a mutual fund or advisory variable annuity account); FPFC does not have a minimum account size or annual fee and may waive minimums at their discretion. Fee-only: Hourly rate $400-$500 per hour; fixed retainer fees negotiable; financial planning fees estimated based on hourly rate and subject to negotiation.
Main office
Phoenix AZ
Advisors at this office
1
Most active in
Arizona
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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