Two Trails Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$40,865,818
Clients
28
93% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
28
HighAverage account size
$1,459,494
About
The firm provides comprehensive financial planning and discretionary investment management to individuals and high-net-worth clients, offering both one-time project-based plans and ongoing wealth management. It operates as a fee-only registered adviser and does not accept commissions or performance-based compensation.
Investment advice is delivered through proprietary, calibrated portfolio models and model portfolios that are blended to align with each client’s risk tolerance, time horizon, and tax considerations, using a mix of passive and active funds with periodic rebalancing and tactical adjustments. The firm will construct values-based (ESG/socially conscious) portfolios at client request and permits reasonable, written client-imposed restrictions on securities or sectors.
Noteworthy for a solo advisor practice, the firm manages roughly $40.9 million in discretionary assets for a small client roster and does not charge percentage-of-AUM fees, instead relying on fixed, project, and hourly fee arrangements. The brochure also discloses formal use of approved AI tools for administrative and drafting support under an internal data-handling policy with human review, and it documents custodial safeguards including the handling of third‑party standing letters of authorization.
Client services
Financial planning
Portfolio management
Expertise
Business sale tax planning
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Occupation focus
Founder/Business Owner
Fee options
Fixed fees from $3,000 to $20,000 depending on service
$350 per hour for Project-Based Financial Planning
Fee-only: Fixed fees ranging from $3,000 to $20,000; Hourly rate $350
Main office location
Two Trails Financial Planning
Oak Park IL, United States
Number of offices
1
Most active in
Two Trails Financial Planning has reported serving >5 clients in these states in the last 12 months.
California · Colorado · Illinois · Louisiana · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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