Peak Wealth Advisors, Inc.

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Client assets under management

$97,519,179

Clients

238

25% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

119

Very High

Average account size

$409,744

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

Financial planning Portfolio management Pension consulting

Expertise

General retirement planning

Fee options

Fixed

Financial planning fixed fees ranging from $3,000 to $10,000, negotiable depending on scope.

Percentage

$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%

Project-based

$300 per hour for financial planning and tax preparation services, negotiable depending on circumstances.

Other

Fee-only: Financial planning services offered at $300 per hour (negotiable) and fixed fees ranging from $3,000 to $10,000.

Main office location

Peak Wealth Advisors, Inc.

1493 Higuera Street

San Luis Obispo CA 93401, United States

Number of offices

Most active in

California

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

Facebook Website (805) 233-7011

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.

General retirement planning

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.

General retirement planning

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