Business Details
Your Trusted Partner for Financial Advisory Services
At Peak Wealth Management, we operate with the highest level of integrity and accountability, prioritizing our clients' best interests without hidden agendas. As a Registered Investment Advisory firm, we act as fiduciaries, offering fee-based advisory services aligned with client goals. Our team of experienced professionals delivers personalized financial planning and investment management, emphasizing transparency, low costs, and disciplined strategies. We focus on holistic approaches, understanding each client's unique circumstances to develop customized plans for retirement, income, estate planning, and wealth preservation.With a commitment to accessibility and long-term relationships, we maintain a low client-to-advisor ratio to ensure dedicated service. Our investment philosophy combines modern portfolio theory with tactical adjustments, utilizing low-cost ETFs to maximize returns while managing risks. We pride ourselves on clear communication, regular performance updates, and a client-centric culture built on trust and ethical standards.
Services
Comprehensive Financial Planning
Personalized Investment Management
Retirement Planning
Employee Benefits Advisory
Endowment Advisory Services
Estate Planning
Risk Management
Tax-Efficient Strategies
Portfolio Management
Market Commentary
Highlights and features
- We act as fiduciaries, legally obligated to prioritize client interests above all else.
- Our fee-based model ensures transparency with no proprietary products or hidden fees.
- We maintain a low client-to-advisor ratio for personalized, responsive service.
- Our team holds advanced certifications including CFP, AIF, and CRPC designations.
- We utilize low-cost ETFs to minimize expenses and enhance long-term returns.
Associations and certifications
- Registered Investment Advisory (RIA)
Services
Comprehensive Financial Planning
We develop customized financial roadmaps addressing retirement, income, estate, and risk management needs. Our process includes goal assessment, risk analysis, strategy implementation, and ongoing adjustments. Clients benefit from structured accountability and tax-efficient solutions tailored to their unique circumstances.
Personalized Investment Management
Our investment strategies focus on asset allocation, ETF-based portfolios, and tactical adjustments to market conditions. We emphasize cost control, diversification, and long-term growth while maintaining liquidity. Clients receive proactive management aligned with their risk tolerance and financial objectives.
Employee Benefits Advisory
We assist businesses with 401(k)/403(b) plan design, investment selection, and participant education. Our services include fiduciary support, compliance guidance, and customized solutions to help employers optimize retirement benefits for their employees.
Endowment Advisory Services
We help endowments and foundations create investment policies aligned with spending goals and gift acceptance rules. Our services include portfolio construction, risk management, and sustainable investment strategies tailored to each organization's mission and financial needs.
Estate Planning
Our estate planning integrates tax-efficient strategies, beneficiary designations, and legacy considerations. We collaborate with legal professionals to ensure seamless wealth transfer while minimizing tax liabilities and preserving family assets across generations.
People
John T. Garrity
Managing Principal, Chief Investment Officer
Certified Financial Planner with 15+ years of experience in portfolio management and retirement planning. Former Fidelity Investments consultant managing $400M+ in assets. Holds business degree from University of New Hampshire.
Noah Gauthier
Wealth Advisor, Head of Client Communications
Chartered Retirement Planning Counselor with 20 years of experience in investment portfolios and corporate finance. Graduated from Bates College with economics degree. Specializes in client education and communication strategies.
Steven Schnobrich
Associate Wealth Advisor, Head of Operations
University of New Hampshire finance graduate with Series 65 license. Former student portfolio manager overseeing $450K+ in assets. Focuses on operational efficiency and investment research for client portfolios.
Questions
What services does Peak Wealth Management offer?
We provide comprehensive financial planning, investment management, retirement strategies, estate planning, and advisory services for endowments and foundations.
Are you legally required to act in my best interest?
Yes, as a Registered Investment Advisory (RIA) firm, we operate as fiduciaries bound to prioritize client interests.
How are your fees structured?
Our fees are asset-based, starting at 0.75% annually, with transparent pricing and no hidden charges.
What investment approach do you use?
We combine modern portfolio theory with tactical adjustments using low-cost ETFs to optimize risk-adjusted returns.
How often will I receive account updates?
Clients receive monthly custodial statements, quarterly performance reports, and annual comprehensive reviews.
Do you work with local clients only?
While based in Nashua, NH, we serve clients nationwide through personalized digital communication tools.
