# Nicole Peterkin

> Nicole Peterkin is a fee-only financial advisor at Peterkin Financial in Encinitas, California, who holds the CFP credential. Nicole charges a flat fee or retainer, an ongoing planning fee, a percentage of assets and a one-time planning fee (ongoing planning from $10,000 a year and one-time plans from $5,000) and focuses on tax planning, small business owners and real estate investors.

Page: https://find.wellspent.co/advisors/nicole-peterkin/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Peterkin Financial
- **Based in:** Encinitas, California
- **Fee model:** Flat fee or retainer; Ongoing planning fee; Percentage of assets; One-time planning fee
- **Fees (firm's website):** ongoing planning from $10,000 a year; one-time plans from $5,000; 1% a year on the first tier of assets managed; no asset minimum
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $24.5M across 121 accounts
- **Credentials:** CFP
- **Specialties:** Tax planning, Small business owners, Real estate investors, Flat-fee planning
- **Works with:** High earners, Founders
- **CRD:** 5905866 (https://adviserinfo.sec.gov/individual/summary/5905866)
- **SEC registration:** Investment adviser representative in CA, MA
- **Exams passed:** Series 63 (2011), Series 65 (2014)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://www.peterkinfinancial.com

## Frequently asked questions

### Is Nicole Peterkin a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Nicole holds no broker registration, and Peterkin Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Nicole charge for financial advice?

Nicole charges a flat fee or retainer, an ongoing planning fee, a percentage of assets and a one-time planning fee.

### How much does Nicole charge?

According to Peterkin Financial's website, checked October 30, 2026: ongoing planning from $10,000 a year; one-time plans from $5,000; 1% a year on the first tier of assets managed; no asset minimum.

### Where is Nicole Peterkin based?

Nicole Peterkin is based in Encinitas, California.

### What does Nicole specialize in?

Nicole's specialties include tax planning, small business owners, real estate investors and flat-fee planning. Nicole works with high earners and founders.

### What credentials does Nicole Peterkin hold?

Nicole Peterkin holds the CFP credential.

### Is Nicole Peterkin registered with the SEC?

Yes. Nicole Peterkin is registered as an investment adviser representative in CA and MA (CRD 5905866), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Peterkin Financial manage?

Peterkin Financial reports $24.5M across 121 accounts in assets under management.

### How do I contact Nicole Peterkin?

Through Nicole's website, www.peterkinfinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5905866): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://peterkinfinancial.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.