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HEART OF THE COMMONWEALTH: Profiles of Excellence 163 W ith more than four decades of experience in the Financial Services and Corporate Finance fields, PEAK Financial Services, Inc. is more than well-equipped to help today's pre-retired, and retirees, navigate the volatile and unpredictable financial landscape. As a CERTIFIED FINANCIAL PLANNER®, specializing in retirement and estate planning for the entirety of his career, the Founder and President of PEAK, Kevin M. O'Brien, CFP®, AIF®, CAP® has helped hundreds of executives, business owners, and middle management clients obtain financial independence. By adhering to a specific Wealth Management process, and defining "retirement" as "…obtaining the peace of mind and confidence to say retirement is affordable and work is optional," PEAK Financial allows clients to gain the clarity necessary to make well- informed, educated decisions about their future. e Wealth Management process begins with a complimentary consultation, where prospective clients' goals, values, objectives, risk tolerance, and time constraints are determined and discussed. An introduction to the six key areas of financial planning begins aer this, which consists of the Current Financial Position, Risk Management, Investment Discipline and Philosophy, Tax Management, Retirement Planning, and Estate Planning. At the end of this meeting, prospective clients will gain a good understanding as to how this process may be of benefit to them. However, there is no obligation for them to proceed from there. When PEAK Financial is given the opportunity to be of assistance, the client will hire them on a fee basis, which eliminates any reason for the advisor to sell a product to obtain a commission. A financial plan will be developed, with specific recommendations to accomplish the client's financial goals. Upon implementation, PEAK Financial may be hired to manage assets on a fee basis as well. Also, clients may be referred to other experts, such as CPAs or Estate Planning Attorneys, or PEAK may work with the client's existing advisors. Aer implementation, the process does not end there. e value of the process is derived through monitoring, servicing and re-assessing the client's portfolio, goals, and life-changing events. Also, PEAK's staff includes Betty Coulter, office manager, who brings many years of managerial and administrative experience into the process on an on-going basis. As clients' needs and family dynamics change, and as the financial services regulations and compliance issues change, Betty ensures that accounts are registered properly, funds are transferred efficiently and thoroughly, reports are accurate and timely, and statements are received properly. n PEAK Financial Services, Inc. PEAK Financial aims to be our client's most trusted and knowledgeable advisor through a never-ending desire to listen, learn and exceed our clients' expectations. P h oto / C o u R t e s y PeaK Financial services, conveniently located in Northborough, utilizes a specific Wealth Management process to help its clients make well-informed, educated decisions about their financial future. For a complimentary consultation, please call us at (508) 351-9775, or visit us at www.peakfs.com