Two Palms Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Two Palms Financial works with individual investors and small-business owners, providing tailored financial planning, portfolio management (available only to clients who engage the firm’s ongoing comprehensive planning service), and business strategy services offered on either a project or ongoing basis. The firm was formed in September 2024 and reports discretionary assets under management of roughly $17.17 million.
The firm generally employs long-term, passive buy-and-hold strategies using mutual funds, exchange-traded funds, stocks, and bonds, and conducts portfolio reviews and rebalancing on a recurring basis (monthly reviews are described for managed accounts). Portfolio management is provided on a discretionary basis when engaged, and the firm may recommend and oversee Outside Managers, offer direct indexing and socially responsible investing options, and coordinate implementation with clients’ other professionals.
Compared with many single-advisor independent firms, Two Palms Financial periodically hosts educational seminars and workshops (in-person or virtual) at no charge, and it offers business-owner–focused services including company valuation reports prepared in partnership with RISR for a separate fee. The firm also discloses a philanthropic practice of donating up to 2% of annual advisory fees to a client-designated charity and structures portfolio access so that ongoing planning and strategy work are integral to its managed-account offering.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Fixed fees typically ranging from $4,000 to $25,000 per engagement for Financial Planning and Business Strategy Services
$0 - $2,499,999: 0.85% $2,500,000 - $4,999,999: 0.70% $5,000,000 - $9,999,999: 0.55% $10,000,000+: 0.40%
Minimum fee: Not explicitly stated as a minimum, but fixed fees for Financial Planning Services typically range from $4,000 to $25,000 per engagement Fee-only: Fixed fee Financial Planning Services ranging from $4,000 to $25,000; Portfolio Management Fees based on AUM tiers; Business Strategy Services fixed fees $4,000 to $25,000; no commissions.
Main office
San Clemente CA
Advisors at this office
1
Most active in
California · Missouri
Also doing business as
Two Palms Financial · Two Palms Planning · Two Palms Planning LLC
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
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