# Summit Wealth and Retirement Partners

Summit Wealth and Retirement Partners is a Bank / Wealth / Trust based in Eagle, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Eagle, United States
- **Region:** North America
- **Address:** San Ramon, CA, United States
- **Founded:** 1987
- **Assets under management:** Undisclosed
- **Website:** summitwealthandretirement.com
- **LinkedIn:** https://www.linkedin.com/company/summit-wealth-retirement-partners

## Regulatory record

- **CRD number:** 285972
- **SEC file number:** 801-108910
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/285972

## About

Summit Wealth and Retirement Partners was founded in 1987 as a registered investment advisor based in San Ramon, California. The firm has operated for nearly four decades serving individuals, high-net-worth families, corporations, and other business entities across the East Bay and broader Northern California region. Its longevity stems from a bundled advisory model that combines financial planning, asset management, and retirement strategy under a single fiduciary umbrella. The firm's investment approach is built on traditional portfolio construction — equities, fixed income, and mutual fund allocations — tailored to retirement accumulation and distribution phases. Summit advises on both individual wealth and corporate retirement plans, positioning itself as a dual-purpose advisor capable of managing personal assets alongside 401(k) and pension plan consulting. Its geographic footprint concentrates on the San Ramon Valley, Tri-Valley, and greater Bay Area, where it has built a referral-driven book of business over 35-plus years. Summit operates as a lean RIA without publicly disclosed fund vehicles, separate managed accounts platforms, or institutional co-investment structures. The firm provides its services on a fee-only basis, consistent with the fiduciary standard applied to registered investment advisors. Its team size and total regulatory assets under management remain undisclosed, typical of a privately held advisory practice that has not pursued external capital or institutional scale benchmarks. The structural differentiator for Summit is its endurance as a single-office RIA in a market increasingly consolidated by aggregators and roll-up platforms. While competitors have sold to private equity-backed consolidators, Summit has maintained independent ownership since 1987 — a governance choice that preserves client relationship continuity without outside capital pressure to grow assets or launch proprietary products.

## Sectors

- Wealth Management
- Retirement Planning

## Questions

### How does Summit charge for its services?

Summit operates on a fee-only basis as a registered investment advisor, meaning it does not earn commissions on product sales. This compensation structure aligns the firm with a fiduciary obligation to its advisory clients. The absence of commission-based revenue is a structural feature of its RIA registration, not a marketing claim.

### Who makes investment decisions at Summit Wealth and Retirement Partners?

The firm's ADV filings and public record do not identify named portfolio managers or investment committee members. As a privately held RIA founded in 1987, Summit's ownership and decision-making structure has not been disclosed through public filings or media coverage. Investment decisions are made internally by the firm's principals.

### Is Summit affiliated with a bank, broker-dealer, or larger wealth management platform?

Summit operates as an independent registered investment advisor and has not publicly disclosed any corporate parent, platform affiliation, or broker-dealer relationship. The firm's independence since 1987 distinguishes it from advisors that operate under a larger corporate umbrella or have been acquired by an aggregator.

## Related profiles

- [Summit Global Investments](https://altss.com/profile/summit-global-investments-sgi)
- [Summit Wealth Group](https://altss.com/profile/summit-wealth-group)

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Last updated: 2026-06-03T20:00:00.000Z

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