Peak Wealth Advisors, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$97,519,179
Clients
238
Advisors
2
of 2 employees
About
Peak Wealth Advisors, Inc. advises individuals, high‑net‑worth clients, trusts, estates, pension and profit‑sharing plans, and business entities, offering asset management, financial planning, 401(k) asset‑management services, and tax preparation. The firm operates with two principal advisors and reports managing about $98.6 million in client assets, including some legacy wrap‑fee accounts.
The firm emphasizes continuous, individualized account supervision with portfolios guided by fundamental and cyclical analysis, quarterly reviews, and periodic rebalancing, and it allows reasonable client‑imposed investment restrictions when practicable. For employer plans Peak Wealth accepts an ERISA fiduciary role for certain services, and it may engage third‑party sub‑advisors for 401(k) asset management and participant education.
Distinctive features include in‑house tax preparation by licensed tax preparers and a Certified Divorce Financial Analyst designation among its principals, creating an integrated tax and divorce‑planning capability that is less common for firms of this size. Peak Wealth discloses that most assets are managed on a discretionary basis, uses LPL as custodian, maintains legacy wrap clients, and does not accept proxy‑voting authority for client securities.
Client services
Expertise
Fee options
Financial planning fixed fees ranging from $3,000 to $10,000, negotiable depending on scope.
$0 - $250,000: 1.50% $250,000.01 - $500,000: 1.30% $500,000.01 - $1,000,000: 1.00% $1,000,000.01 - $3,000,000: 0.80% $3,000,000.01 - $5,000,000: 0.60% $5,000,000.01+: 0.50%
$300 per hour for financial planning and tax preparation services, negotiable depending on circumstances.
Fee-only: Financial planning services offered at $300 per hour (negotiable) and fixed fees ranging from $3,000 to $10,000.
Main office
1493 Higuera Street
San Luis Obispo CA 93401
Advisors at this office
2
Most active in
California
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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.
Forms ADV
Quick links
Advisors at this firm
Donald R
CFP®, Series 63, Series 65
San Luis Obispo, CA
Peak Wealth Advisors, Inc.
Donald Ramirez is a CFP® with 28 years of industry experience, currently serving as an advisor at Peak Wealth Advisors, Inc. since 2009. He also operates a sole proprietorship reselling professional tax software. Peak Wealth Advisors serves individual and high-net-worth clients, trusts, employer retirement plans, and business entities, offering asset management, financial planning, 401(k) asset management, and tax preparation services. The firm emphasizes individualized portfolio construction and continuous supervision, utilizing fundamental and cyclical analysis across various securities with regular reviews and rebalancing.
Helen S
CFP®, Series 66
San Luis Obispo, CA
Peak Wealth Advisors, Inc.
Helen Sipsas is a CFP® professional with 19 years of industry experience, currently serving at Peak Wealth Advisors, Inc. in San Luis Obispo, CA, where she has worked since 2009. She holds a Series 66 license and is one of two advisory professionals at the firm. Peak Wealth Advisors serves individual and high-net-worth clients, trusts, employer retirement plans, and business entities by providing asset management, financial planning, 401(k) asset management, and tax preparation services performed by licensed tax preparers. The firm emphasizes individualized portfolio construction and ongoing supervision, employing fundamental and cyclical analysis with discretionary management and quarterly reviews.
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