Two Palms Financial fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed April 6, 2026. Fees can change, so confirm with the firm before you hire them.

Flat or project fee

$4,000⁠-⁠$25,000

“Project-Based Financial Planning Services For our Project-Based Financial Planning Services, we charge a fixed fee, typically ranging from $4,000 to $25,000, based on the complexity of your financial situation.”

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How Two Palms Financial bills

Payment and refund terms, quoted from the fee section of the brochure.

• “The final fee will be prorated based on the number of days services were provided during the monthly or quarterly billing period, as applicable, up to and including the termination date.”
• “Fees could be negotiable based on various factors, such as the complexity of your financial situation or total assets under management.”
• “Fees for this service may be paid by check, electronic funds transfer, debit card, or credit card using a thirdparty payment processor’s secure portal through which the client can securely input banking information.”

How Two Palms Financial’s fees compare

• Its flat or project fee of $4,000-$25,000 spans the California median of $5,000. 89% of the 796 other California planners that publish a flat or project fee charge less.
• 2 of the 3 other planners in San Clemente that publish a flat or project fee charge less.

About Two Palms Financial

• Solo practice: one person runs the firm, so you work directly with the planner.
• Credentials named in the brochure: CFP®.
• Meets clients remotely: the brochure mentions virtual or online meetings.
• Registered as an adviser: 2024 (2 years).

Planning areas mentioned in the brochure

• Retirement planning
• Tax planning
• Estate planning
• College planning
• Cash flow and budgeting
• Charitable giving

Firm details from Form ADV

How the firm is paid

Fixed or flat fees, percentage of assets under management

Charges a % of assets

Yes

Highest asset based fee in brochure

3% a year

Employees

1

Services reported to regulators

Financial planning, portfolio management for individuals and small businesses, selecting other advisers, educational seminars and workshops, and other services

Assets managed

$17,173,618

Registered with

State securities regulators

Disciplinary disclosures

None reported

SEC CRD number

333588

Website

tiktok.com/@2palmsfi (opens in new tab)

Phone

(314) 341-1284

Can advise clients in 2 states: California, Missouri

Other planners in San Clemente that publish fees

• 8020 Capital ManagementSan Clemente$5,000⁠-⁠$10,000
• Ignite Planners LLCSan Clemente$500/hr, $50,000
• MT Ryan, Inc.San Clemente$85/hr, $750⁠-⁠$5,000
• 10/28 Wealth Management LLCOceanside$300/hr, $500⁠-⁠$10,000
• 360DividendsGranite Bay$300/hr, $2,500⁠-⁠$10,000
• 3D Holistic WealthIrvine$300/hr, $1,500⁠-⁠$10,000

Compare all 8 planners in San Clemente