Two Palms Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$17,173,618
Clients
2
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
2
Very LowAverage account size
$8,586,809
About
Two Palms Financial is a small independent advisory firm that serves individual clients and business owners with tailored financial planning, portfolio management (offered alongside its ongoing comprehensive planning service), and a recently added Business Strategy Services line that includes company valuation reports provided through a third-party. The firm provides both project-based and ongoing planning engagements and can manage client investment accounts on a discretionary basis when authorized.
The firm’s investment approach emphasizes long‑term, passive asset-allocation strategies using mutual funds and ETFs, while also offering alternatives such as direct indexing and ESG-based options when appropriate; portfolios are monitored and rebalanced periodically. Financial planning work is delivered on a non‑discretionary basis unless otherwise agreed, includes implementation support and coordination with other professionals, and typically involves at least annual reviews with more frequent client contact as needed.
Noteworthy features include a practice of hosting educational seminars and workshops—offered in person or virtually and intended as informational presentations rather than individualized advice—which the firm does not charge for, a service that is uncommon among peers. The firm has also expanded into business-focused advisory work (including access to valuation reports) and discloses a policy to donate up to 2% of advisory fees to a charity designated by the client.
Client services
Financial planning
Portfolio management
Selection of other advisers
Educational seminars or workshops
Business strategy services
Expertise
Business ownership considerations
Business exit / sale strategy
Occupation focus
Founder/Business Owner
Fee options
Fixed fees ranging from $4,000 to $25,000 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: Fixed fees for Financial Planning Services ranging from $4,000 to $25,000 depending on service type and complexity Fee-only: Fixed fees for Financial Planning Services (Ongoing and Project-Based), Business Strategy Services, and Educational Workshops (no fee for workshops)
Main office location
Two Palms Financial
San Clemente CA, United States
Number of offices
1
Most active in
Two Palms Financial has reported serving >5 clients in these states in the last 12 months.
California · Missouri
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
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
Quick links
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