Twin Peaks Wealth Advisors

Twin Peaks Wealth Advisors serves individuals, high‑net‑worth individuals, families, trusts, retirement plans, corporations, and charitable foundations with discretionary investment management, financial planning, consulting, sub‑advisory/third‑party manager services, and retirement plan advisory. The firm also provides legacy position management and offers impersonal seminars and workshops as part of its service menu.

TPWA typically implements diversified portfolios using equities, mutual funds, and ETFs and will recommend alternative investments or ESG/sustainable options when appropriate; it uses third‑party platforms such as eMoney for aggregated reporting and Black Diamond for administrative support. The firm employs tools such as Nitrogen to quantify client risk tolerance, manages separately managed accounts and third‑party manager relationships, and discloses that it may recommend borrowing or margin for clients’ non‑investment financing needs while calculating fees on gross assets.

Several features are notable compared with peers: some of TPWA’s investment adviser representatives are dually registered as registered representatives of Purshe Kaplan Sterling (PKS) and may effect brokerage transactions and receive commissions, and the firm has an affiliated insurance business (TPWA Insurance Services, LLC). TPWA also discloses paid promoter and lead‑generation arrangements—including a disclosed promotional referral arrangement with GreenUp Wealth that allocates 25% of advisory fees to the firm—which indicates a more formalized use of third‑party marketing and referral compensation than is typical for similar team firms.