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Second Summit Wealth Management
Founded by Sabrina Lowell in 2022 and headquartered in San Francisco, Second Summit Wealth Management operates as an independently owned, fee-only advisory...
Second Summit Wealth Management
Founded by Sabrina Lowell in 2022 and headquartered in San Francisco, Second Summit Wealth Management operates as an independently owned, fee-only advisory firm. Lowell — a Certified Financial Planner and Certified Professional Co-Active Coach — built the practice around clients who have reached a liquidity event, career plateau, or inheritance and are asking what comes next. The firm serves dual-income couples, executive-track women, pre- and post-IPO technology employees, and retirees. The firm delivers financial planning, portfolio management, and tax strategy through a fiduciary lens. It does not accept commissions or third-party payments, a structure intended to eliminate hidden incentives. Second Summit constructs client portfolios by selecting external partners and products, leveraging an outsourced operational and portfolio-management bench through strategic-service partnerships rather than building a large in-house investment staff. The firm’s website emphasizes holistic planning over product distribution, with a stated focus on mapping what it calls a client’s “second summit.” The practice is anchored by Lowell’s individual advisory capacity and a small support team drawn through external partnerships. In 2024, Lowell continued to serve on the CFP Board Center for Financial Planning’s Women’s Initiative council, a role that aligns with the firm’s focus on cultivating female talent in the profession. Prior recognitions include Investment News 40 Under 40 (2014) and the FPA Heart of Financial Planning Award (2015), both earned before Second Summit was formed. Second Summit’s structural differentiator lies in combining fee-only fiduciary independence with a deliberate boutique ceiling. Lowell is the sole named principal and the firm’s brand is inseparable from her personal advisory practice and coaching methodology. There is no current indication of a multi-generational succession plan or a platform strategy to absorb external advisors — the architecture remains built around one operator serving a concentrated client base, a posture that distinguishes it from roll-up RIAs and multi-advisor wealth-management platforms.
General information
Firm type
Bank / Wealth / Trust
Year founded
2022
AUM
Undisclosed
Location
Region
North America
Country
United States
City
San Francisco
Corporate office
San Francisco, CA, United States
Principals
Sabrina Lowell
Founder and CEO
Frequently asked questions
Who runs investment decisions at Second Summit Wealth Management?
Sabrina Lowell, Founder and CEO, leads all investment and planning decisions. The firm operates as a solo-advisor boutique, with Lowell integrating certified financial planning and professional coaching into her advisory process. She draws on external portfolio management and operations partnerships for execution support.
Is Second Summit structured as a single family office or does it operate more like an RIA?
Second Summit functions as an independent registered investment advisor, not a single-family office. The firm serves multiple external clients — including corporate executives, pre-IPO tech employees, and retirees — and does not manage wealth for a single family or private trust entity.
How does the firm source its clients?
Second Summit does not publicly disclose a client-acquisition channel. The firm’s positioning around tech-employee cohorts and career-minded women, combined with Lowell’s industry-recognition history and involvement in professional organizations, suggests a mix of professional-network referrals and personal reputation rather than a paid marketing funnel or institutional sales team.
What is Second Summit’s fee structure?
The firm operates on a fee-only basis, meaning it charges clients directly for advice and management and does not accept commissions or third-party payments. The specific fee schedule — whether assets-under-management based, hourly, retainer, or flat-fee — is not disclosed on the firm’s website.
Does Second Summit manage assets internally or outsource portfolio management?
Second Summit selects external partners and product offerings for client portfolios rather than running an in-house investment-management team. The firm’s website states it harnesses a deep bench of expertise through strategic partnerships covering client service, operations, and portfolio management.
How is Second Summit related to the CFP Board Women’s Initiative?
Sabrina Lowell serves as a council member on the CFP Board Center for Financial Planning’s Women’s Initiative (WIN), which focuses on attracting and advancing women in the financial planning profession. This involvement is part of Lowell’s broader public commitment to cultivating female talent but does not represent a formal corporate affiliation with the CFP Board.
What investment vehicles does Second Summit typically use?
The firm does not disclose a proprietary fund lineup or specific vehicle preferences. Given its fee-only fiduciary structure and reliance on external portfolio partners, Second Summit likely constructs client portfolios using third-party separately managed accounts, mutual funds, or ETFs — but this is not confirmed on the firm’s website.
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