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Updated September 28, 2026. Quick answer: Peak Financial Advisors is registered with the SEC as an investment adviser (CRD #115207, listed as ACTIVE in the SEC’s IAPD firm summary, checked October 25, 2026). Per its own current fee brochure, a $500,000 account would run $5,000 a year under its published fee schedule. Already a client and thinking about leaving? Budget $50 at Schwab. This review covers what its own fee brochure and current SEC registration confirm today; it does not assess fiduciary status or account minimums.
Peak Financial Advisors at a glance
| Fact | What Peak Financial Advisors’ own pages say |
|---|---|
| Legal entity | Peak Financial Advisors LLC |
| Registration | Peak Financial Advisors LLC is registered with the SEC as an investment adviser (CRD #115207, listed as ACTIVE in the SEC’s IAPD firm summary, checked October 25, 2026). |
| Fee on a $500,000 account | $5,000 a year, per its own current brochure |
| Minimum to open an account | Not assessed in this review; Item 7 of its Form ADV Part 2A describes the types of clients it serves |
| Cost to leave (exit fee) | $50 at Schwab |
What Peak Financial Advisors’ own fee schedule charges
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 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.
“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”
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.
The table below is the firm’s own advisory fee schedule. Fund expenses and the transaction fees Schwab charges are separate from the advisory fee; the brochure says the firm’s management fees are separate and distinct from those charges.
| Account balance | Annual fee |
|---|---|
| $250,000 | $2,500 |
| $500,000 | $5,000 |
| $1,000,000 | $10,000 |
| $2,000,000 | $17,500 |
These figures come directly from Peak Financial Advisors’ own current fee brochure, cited in Sources below.
Registration
Peak Financial Advisors LLC is registered with the SEC as an investment adviser (CRD #115207, listed as ACTIVE in the SEC’s IAPD firm summary, checked October 25, 2026).
This is a registration confirmation only, not a fiduciary-standard verdict (a registered investment adviser can still be a dual registrant with a broker-dealer, which changes which standard applies in each capacity).
What it costs to leave
Peak Financial Advisors LLC’s Form ADV Part 2A states “The engagements outlined above can be cancelled by either party in writing with 30 days notice.” Peak Financial Advisors LLC recommends Charles Schwab and Co., Inc. Advisor Services as its custodian. Charles Schwab & Co., Inc.’s own published fee schedule states “Full transfer (out) of assets $50 per account”.
The general mechanics of switching financial advisors and a dated termination letter apply regardless of firm.
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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 IAPD firm summary (CRD #115207, checked September 28, 2026): https://adviserinfo.sec.gov/firm/summary/115207
Methodology. This page was built September 28, 2026, drawing directly on Peak Financial Advisors’ own current fee brochure, cited in Sources below, and a fresh SEC IAPD registration check run the same day. Where exit-fee facts are cited, they trace to the named custodian’s own published schedule. Any fact we could not independently confirm is named as an honest gap rather than presented as verified. Nothing here is personalized financial, tax, legal, or investment advice, and it is not a substitute for reading Peak Financial Advisors’ own Form ADV Part 2A and Form CRS. We have not used Peak Financial Advisors as a client. Peak Financial Advisors did not pay for, review, or influence this content. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.