Disclosures

Last updated: June 2026

About Twin Arbor Wealth Management

Twin Arbor Wealth Management LLC ("Twin Arbor," "we," "us," or "our") is a fee-only registered investment adviser based in St. Paul, Minnesota. Twin Arbor is registered as an investment adviser with the Minnesota Department of Commerce. Registration as an investment adviser does not imply a particular level of skill or training.

Advisory services are offered only in jurisdictions where Twin Arbor is properly registered, notice filed, or exempt from registration requirements. Nothing on this website should be considered a solicitation to buy, an offer to sell, or a recommendation of any security or advisory service in any jurisdiction where such offer, solicitation, or recommendation would be unlawful or unauthorized.

General Information - Not Advice

The information on this website is provided for general informational and educational purposes only. It is not intended to be, and should not be interpreted as, personalized investment, financial planning, tax, legal, accounting, or insurance advice, or a recommendation to buy, sell, or hold any security or to adopt any particular investment strategy.

Nothing on this website should be relied upon as the sole basis for a financial decision. You should consult a qualified professional regarding your specific circumstances.

No Advisory Relationship

Use of this website, submission of a contact form, or communication with Twin Arbor through this website does not create an advisory relationship. An advisory relationship is established only after Twin Arbor and a client have entered into a written advisory agreement.

Please do not submit sensitive personal or financial information, such as account numbers, Social Security numbers, medical information, or detailed financial information, through the website contact form or unsecured email.

Investment Risk

All investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. No investment strategy, financial plan, or planning technique can guarantee success or protect against loss in declining markets. Diversification and asset allocation do not ensure a profit or protect against loss.

Any discussion on this website of investment philosophy, portfolio construction, diversification, tax-aware investing, or financial planning describes Twin Arbor's general approach and should not be interpreted as a guarantee of results.

Tax and Legal Matters

As part of the advisory relationship, Twin Arbor may discuss tax-aware planning, retirement income planning, charitable giving, estate planning considerations, and related financial planning topics.

Unless separately agreed in writing, Twin Arbor does not provide legal, accounting, or tax preparation services, and does not sell insurance products. Tax and legal matters should be reviewed with a qualified tax professional, attorney, or other appropriate professional before implementation. We coordinate with each client's professionals as appropriate.

Custody and Account Access

Client assets are generally held with an independent qualified custodian. Twin Arbor does not take physical possession of client assets. Clients should review the statements and confirmations they receive directly from their custodian and promptly notify Twin Arbor and the custodian of any questions or discrepancies.

Disclosure Documents

Additional information about Twin Arbor's services, fees, conflicts of interest, and business practices is available in our Form ADV Part 2A firm brochure and Form ADV Part 2B brochure supplement. We encourage you to review these documents carefully. Copies are available free of charge upon request.

Links to our Form ADV Part 2A, Form ADV Part 2B, Privacy Policy, and IAPD profile are available in the footer of this website. You can verify Twin Arbor's registration status and review public disclosure information through the SEC's Investment Adviser Public Disclosure website at adviserinfo.sec.gov by searching for Twin Arbor Wealth Management or CRD #341900.

Third-Party Links and Content

This website may contain links to third-party websites or resources. These links are provided for convenience only. Twin Arbor does not control, endorse, or guarantee the accuracy, completeness, availability, or privacy practices of any third-party website or its content.

Accuracy of Information

While we strive to keep the information on this website accurate and current, Twin Arbor does not warrant that all information is complete, current, or free from error. Nothing in these disclosures is intended to limit or waive any rights you may have under applicable law.

Questions

If you have questions about these disclosures or our services, please contact us at (651) 237-8686.