Peak Financial Management provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, estate planning, insurance, and tax planning. Financial planning was provided to 101–250 clients last fiscal year.
Peak Financial Management reports 353 clients. They include 192 individual clients and 161 high-net-worth individuals. Of its assets, 100.0% ($534M across 1,696 accounts) are managed with discretion. Of its clients, 1% are outside the U.S.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 54% | 13% |
| High-net-worth individuals | 46% | 86% |
| Pension and profit-sharing plans | Fewer than 5 | 1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 192 | $67.3M | 12.6% | $350K |
| High-net-worth individuals | 161 | $462M | 86.4% | $2.87M |
| Pension and profit-sharing plans | Fewer than 5 | $5.63M | 1.1% | — |
| Total | 353 | $534M | 100% | — |
- Clients
- 192
- Regulatory AUM
- $67.3M
- AUM share
- 12.6%
- Avg. per client
- $350K
- Clients
- 161
- Regulatory AUM
- $462M
- AUM share
- 86.4%
- Avg. per client
- $2.87M
- Clients
- Fewer than 5
- Regulatory AUM
- $5.63M
- AUM share
- 1.1%
- Avg. per client
- —
Total
- Clients
- 353
- Regulatory AUM
- $534M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 1%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Peak Financial Management charges 0.75%–0.95% a year for its Portfolio Management. The whole portfolio is charged at the rate of its band. The fee is billed in advance. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 0.95% |
| $1M–$3M | 0.85% |
| $3M and above | 0.75% |
Fee details and sources
Other fees
- Financial planning
- Financial planning without portfolio management is charged hourly, ranging up to $500 an hour, with the estimate agreed before the engagement.
Pran Tiku owns 75% or more of Peak Financial Management. The leadership team of Peak Financial Management includes President Christopher Gaffney and Chief Compliance Officer Shaun Thompson. It has 9 employees, 7 of them in advisory roles.
Leadership
- Christopher GaffneyVice President and Senior Wealth Advisor
- Pran TikuPresident
- Shaun ThompsonSenior Wealth Advisor and Chief Compliance Officer
- Neel TikuManaging Director & Senior Relationship Advisor
Investment adviser representatives
7 representatives listed in the SEC register as of 9 October 2026.
- Christopher Karl Gaffney
- Roberto Mario Pandolfi
- Robert Stephen Roselli
- Jeffrey Charles Smith
- Shaun Patrick Thompson
- Neel K. Tiku
- Pran Nath Tiku
Staff
- 9 employees
- 7 in advisory functions
- 7 state-registered reps
- 1 insurance agent
- Owns 75% or more of Peak Financial Management Inc
Pran Tiku
Control person · since August 1991
- Owns 10% to 25% of Peak Financial Management Inc
Neel Tiku
since February 2024
Peak Financial Management’s regulatory assets grew from $361M (July 2021) to $534M (September 2026); clients rose from 277 to 353 and employees were 9 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| September 2026 | $534M | 353 | 9 | 9 |
| March 2025 | $453M | 341 | 9 | 10 |
| March 2024 | $405M | 340 | 9 | 10 |
| June 2023 | $367M | 336 | 9 | 2 |
| July 2022 | $396M | 318 | 9 | 2 |
| July 2021 | $361M | 277 | 9 | 2 |
Besides its headquarters, Peak Financial Management has 8 offices (8 private residences, listed without an address), with 1 listed address in Massachusetts.
Massachusetts · 1 listed address
- 93 Worcester Street, Suite 101, WellesleyHQ
Contact and registration details
- Legal name
- Peak Financial Management Inc
- Headquarters
- 93 Worcester Street, Suite 101, Wellesley, MA 02481
- Website
- Not reported
- Phone
- 781-487-9500
- @238160
- SEC file
- 801-39737
- Founded
- 1991
- Structure
- Massachusetts corporation
- Fiscal year end
- December
Peak Financial Management uses Charles Schwab ($354M, 70%) and Fidelity ($155M, 30%) as custodians for its separately managed accounts. Peak Financial Management has custody of $173M in client assets for 196 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $354M70%
- FidelityFidelity Brokerage Services LLC · Smithfield, RI · $155M30%
At year end, Peak Financial Management’s separately managed accounts were mostly in funds (79%). Its reported 13F holdings for the quarter ended 30 June 2026 total $436M across 114 positions; the largest are Vanguard Star Fds (11.8%), Vanguard Index Fds (7.8%) and SPDR Index Shs Fds (7.2%).
What the accounts hold
- Stocks8%
- Funds79%
- Registered funds78%
- Pooled vehicles1%
- Bonds4%
- U.S. government and agency bonds2%
- State and local bonds1%
- Investment grade corporate bonds1%
- Cash8%
- Other1%
- Derivatives1%
Reported 13F holdings
- $436M
- Reported 13F value
- 114
- Positions
- 52.4%
- In the 10 largest
- +10.6%
- Value vs. prior quarter
- Vanguard Star Fds · VG TL Intl Stk F11.8%
- Vanguard Index Fds · Total Stk Mkt7.8%
- SPDR Index Shs Fds · ST Str MSCI Glb7.2%
- Invesco Exchange Traded FD T · S&P500 Eql Wgt4.8%
- J P Morgan Exchange Traded F · Intl BD Opp ETF4.0%
- Vanguard Index Fds · S&P 500 ETF Shs3.9%
- Schwab Strategic TR · US Mid-cap ETF3.3%
- Schwab Strategic TR · US Brd Mkt ETF3.3%
- Vanguard Scottsdale Fds · Int-term Corp.3.2%
- SPDR Index Shs Fds · ST Port Mark ETF3.1%
Together, the ten largest are 52.4% of reported value.
How many clients does Peak Financial Management have?
Peak Financial Management has 353 clients and manages $534 million for them, as of September 2026. They include 192 individual clients and 161 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 23 September 2026
What services does Peak Financial Management offer?
Peak Financial Management provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, estate planning, insurance, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Peak Financial Management charge?
Peak Financial Management charges 0.75%–0.95% a year for its Portfolio Management. The whole portfolio is charged at the rate of its band. The fee is billed in advance.
Source: 03 02 2026 PEAK FORM ADV PART 2A FINAL, filed 2 March 2026
Which custodians does Peak Financial Management use?
Peak Financial Management’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $354M and Fidelity Brokerage Services LLC (Smithfield, RI), with $155M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 23 September 2026
How many financial advisors does Peak Financial Management have?
Peak Financial Management has 7 investment adviser representatives registered with state securities authorities, out of 9 employees, and 7 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Peak Financial Management invest in?
At the end of its last fiscal year, Peak Financial Management’s separately managed accounts held 78% registered funds (mutual funds, ETFs, BDCs), 8% exchange-traded equities, 8% cash and equivalents, 2% U.S. government and agency bonds, 1% state and local bonds, 1% investment grade corporate bonds, 1% derivatives and 1% pooled vehicles (private funds and similar).
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Peak Financial Management?
Peak Financial Management’s direct owners are Pran Tiku (75% or more) and Neel Tiku (10% to 25%).
Source: Form ADV Part 1A, Schedules A and B, filed 23 September 2026
How does Peak Financial Management get paid?
Peak Financial Management is paid through a percentage of assets under management and hourly charges. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Peak Financial Management?
Peak Financial Management’s main office is at 93 Worcester Street, Suite 101, Wellesley, MA 02481. Its phone number is 781-487-9500.