Peak Financial Management, Inc.

Peak Financial Management provides financial planning, investment management, and retirement-plan advisory services to individuals, trusts, estates, charitable organizations, corporations and business entities, and employers/plan sponsors. The firm manages approximately $109 million in client assets and offers coordinated written advisory agreements that cover discretionary portfolio management, financial planning, and ERISA retirement plan services.

PFM’s client engagements are organized around its “Start to Finish Planning Program,” which phases consulting, coaching and investment management work together, and it uses fundamental analysis and an asset-allocation approach derived from Modern Portfolio Theory. Portfolios are typically constructed with mutual funds, ETFs, individual equities and fixed income, and the firm may engage Independent Managers, advise on held-away products (including variable life and annuity contracts), and exercise limited discretionary trading authority for clients.

What is noteworthy in the brochure is the emphasis on institutional and intermediary relationships atypical for a firm of this size: PFM expressly provides ERISA Section 3(38) fiduciary services to employers and plan sponsors and documents assistance with Plan Investment Policy Statements, selection and monitoring of plan investments. The firm also describes working with Independent Managers, using a third‑party platform to manage held‑away defined contribution participant accounts without taking custody, and receiving third‑party support for proxy voting determinations.