Peak Financial Services, Inc.

PEAK Financial Services, Inc. is a registered investment adviser specializing in asset management and financial planning services. Established in 1995 by Kevin M. O'Brien, the firm offers tailored services based on clients' financial goals and objectives. PEAK primarily uses exchange-traded funds, mutual funds, and alternative investments in client portfolios, with a focus on asset allocation models. Clients with at least $1,000,000 in assets receive advisory services, with fees ranging from 0.40% to 1.25% based on investable assets. The firm operates on a fee-based structure, with fees payable quarterly in advance. PEAK does not charge performance-based fees and acts as a fiduciary, putting clients' interests first. The firm does not participate in wrap fee programs and does not have a history of disciplinary actions. Clients' assets are held at qualified custodians, primarily TD Ameritrade, with PEAK selecting brokers based on factors such as transaction execution, custody services, and pricing. PEAK does not vote client securities and does not require prepayment exceeding $1,200. The firm has participated in the Paycheck Protection Program to support its operations during the COVID-19 pandemic.