Guides › Financial Advisor Fees
Updated September 28, 2026. Quick answer: Peak Financial Advisors discloses a tiered schedule starting at 1.00% in its Form ADV Part 2A (September 2026). Converted to dollars, that runs $5,000 a year on a $500,000 account; see the full table below for $250,000, $1 million and $2 million.
Fee schedules at comparable advisory firms: Beacon Pointe Advisors Fees (2026).
For a closer look at this firm: Peak Financial Advisors Review and How to Leave Peak Financial Advisors.
The published numbers
From the Form ADV Part 2A (September 2026): “Unless negotiated in writing, the annual fee schedule is as follows: Annual Fee Calculation 1.00% on the first $1,000,000 .75% on assets of $1,000,001 $3,000,000, then .65% on assets above $3,000,001”
Note: CRD 115207 was confirmed ACTIVE and SEC registered through a live SEC IAPD lookup on September 28, 2026. Peak Financial Advisors LLC is the registered adviser, a fee-only Denver, Colorado firm, and the SEC record lists Peak Financial Advisors and Peak Financial Advisors, LLC as its names. The firm reports about $268.8 million in regulatory assets under management. The priced figure is the standard percentage-based portfolio management schedule for individual clients, whom the firm reports among its client types. The brochure is dated only by month, September 2026, and states no day.
- $0-$1,000,000: 1.00%
- $1,000,001-$3,000,000: 0.75%
- $3,000,001 and above: 0.65%
The priced figure is the annual portfolio management fee only. The brochure says clients pay Schwab transaction fees on certain purchases and sales, including mutual fund fees of $0 to $65 by share class, a $15 trade-away fee on bonds bought through another dealer, and a $5 per-account fee on high-touch block trades of $1,000 or more, all paid to Schwab and not to Peak. Fees and expenses of mutual funds, ETFs, annuities and other investment company securities are separate from Peak’s management fee. The fee is calculated against all assets in the investment account unless specifically excluded, including cash balances invested in money market funds, short-term investment funds, ETFs and mutual funds, and the entire market value of margined assets. For clients with at least $1,000,000 under management, comprehensive financial planning is included in the percentage fee. Otherwise a one-time plan is billed separately, generally between $2,500 and $25,000.
What you would pay
| Account balance | Annual fee (dollars) | Effective rate |
|---|---|---|
| $250,000 | $2,500 | 1.00% |
| $500,000 | $5,000 | 1.00% |
| $1,000,000 | $10,000 | 1.00% |
| $2,000,000 | $17,500 | 0.88% |
The schedule is worded as a percentage on the first $1,000,000 and on the assets in each band above it, so each rate is applied only to the band it covers, with the bands stacked. The brochure’s last band starts at $3,000,001, which is read as everything above $3,000,000. Fees are annualized and applied quarterly in advance. The brochure discloses no minimum annual fee for portfolio management, so no floor applies. The schedule applies unless negotiated in writing, and the brochure says fees are negotiable and may be reduced or waived, so it is the firm’s standard rather than a guaranteed charge.
How this compares
Our benchmark of published adviser fee schedules puts the weighted median annual cost near $2,000 to $2,500 on $250,000 (the benchmark). At $500,000, Peak Financial Advisors’s own published rate runs $5,000 a year.
Comparing Peak Financial Advisors against a full move? Read the general mechanics of switching financial advisors, or use a dated termination letter once you decide.
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- Form ADV Part 2A (September 2026): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1057365
- SEC Investment Adviser Public Disclosure, Peak Financial Advisors LLC (CRD #115207): https://adviserinfo.sec.gov/firm/summary/115207
- Peak Financial Advisors LLC, SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/115207/PDF/115207.pdf
Methodology. This page was built September 28, 2026, drawing on Peak Financial Advisors’s own SEC-filed disclosure and, where cited, its published fee schedule, with sources linked above; any figure we could not independently confirm before publication is named as an honest gap rather than presented as verified. Nothing here is personalized financial, tax, legal, or investment advice. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.