48 Peaks Wealth Advisors LLC

48 Peaks Wealth Advisors LLC is a single‑advisor independent registered investment adviser that provides non‑discretionary asset management and related advisory services to individuals, pension and profit‑sharing plans, trusts, estates, charitable organizations and business entities. The firm reports roughly $7.19 million in assets under management across 16 client relationships and also facilitates third‑party manager engagements and platform services through Buckingham Strategic Partners.

The firm’s investment approach is grounded in Modern Portfolio Theory with a focus on strategic asset allocation, periodic rebalancing and the option for tactical, actively managed strategies using fundamental and technical analysis. Notably, 48 Peaks operates primarily on a non‑discretionary basis — it determines recommended trades and allocations but obtains client approval before execution — and it documents objectives and reviews client accounts at least annually.

What distinguishes the firm from many independent peers is the combination of a predominantly non‑discretionary practice and the principal’s ongoing activity as a licensed insurance agent (life insurance business), with insurance commissions representing a small portion of time and compensation; the firm also receives referral fees and certain economic benefits from third‑party managers and platform providers. These relationships and compensation arrangements are disclosed in the firm’s brochure and are described as potential conflicts of interest that are managed through disclosure, client choice, and the firm’s fiduciary obligations.