Wendy Karkoska

TWIN FOCUS CAPITAL PARTNERS

BOSTON, MA 02116

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CRD#: 4568568

Professional summary

Wendy Karkoska, who also goes by Wendy Jill Gilbert, Wendy Gilbert, Wendy Jill Karkoska, Jill Sandberg, Wendy Jill Sandberg, Wendy Sandberg, is a registered financial advisor currently at TWIN FOCUS CAPITAL PARTNERS, LLC located in Boston, Massachusetts.

Wendy is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2002. Wendy has worked at 9 firms and has passed the Series 66, SIE and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Wendy Karkoska's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

None

Experience

Current

January 2, 2026 - Present

TWIN FOCUS CAPITAL PARTNERS, LLC

Office #1: 75 Park Plaza, Boston, MA 02116

RIA

CRD#: 140522

BOSTON, MA

Past

December 9, 2019 - November 4, 2025

RAYMOND JAMES & ASSOCIATES, INC.

RIA

CRD#: 705

Boston, MA

Past

December 9, 2019 - November 4, 2025

RAYMOND JAMES & ASSOCIATES, INC.

CRD#: 705

Boston, MA

Past

November 27, 2018 - November 26, 2019

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED

RIA

CRD#: 7691

BOSTON, MA

Past

November 26, 2018 - November 26, 2019

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED

CRD#: 7691

BOSTON, MA

Past

October 26, 2018 - November 6, 2018

EQUITABLE ADVISORS, LLC

CRD#: 6627

WELLESLEY, MA

Past

January 23, 2017 - September 4, 2018

INTEGRATED WEALTH CONCEPTS LLC

RIA

CRD#: 284656

Waltham, MA

Past

January 20, 2017 - June 22, 2018

LPL FINANCIAL LLC

CRD#: 6413

WALTHAM, MA

Past

November 9, 2005 - February 9, 2017

OSAIC FA, INC.

RIA

CRD#: 3978

WALTHAM, MA

Past

November 8, 2005 - May 10, 2006

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

CRD#: 2580

BOSTON, MA

Past

November 8, 2005 - February 9, 2017

OSAIC FA, INC.

CRD#: 3978

WALTHAM, MA

Past

August 20, 2003 - September 1, 2005

RBC CAPITAL MARKETS, LLC

RIA

CRD#: 31194

BOSTON, MA

Past

September 19, 2002 - September 1, 2005

RBC CAPITAL MARKETS, LLC

CRD#: 31194

NEW YORK, NY

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

TWIN FOCUS CAPITAL PARTNERS, LLC

TWIN FOCUS CAPITAL PARTNERS, LLC | TWINFOCUS

CRD#: 140522 / SEC#: 801-66717

RIA

Registered Investment Advisory firm - (5/23/2006 Approved)

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

Massachusetts
(1/2/2026)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

IAR

Series 66

Date: 8/14/2003

Uniform Combined State Law Examination

General Industry/Product Exam

SIE

Date: 6/22/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 9/18/2002

General Securities Representative Examination

Current Firm

TWIN FOCUS CAPITAL PARTNERS, LLC

TWIN FOCUS CAPITAL PARTNERS, LLC | TWINFOCUS

CRD#: 140522 / SEC#: 801-66717

RIA

Registered Investment Advisory firm - (5/23/2006 Approved)

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Contact information

Main Address

75 Park Plaza, Boston, MA 02116

Mailing Address

Phone number

(617) 720-4500

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (5 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

TWINFOCUS FORM ADV PART 2A MARCH 31 2025 (3/27/2025)

Regulatory assets under management

Total Number of Accounts	77
AUM (Assets Under Management)	$ 4,048,279,609

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
11/26/2025	Cover Page	Report
09/05/2024	Cover Page	Report
03/16/2024	Cover Page	Report

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Firm Stability Insights

Wendy Karkoska

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Wendy Karkoska's CRS (Customer Relationship Summary).

Certified licenses

Experience

RAYMOND JAMES & ASSOCIATES, INC.

RAYMOND JAMES & ASSOCIATES, INC.

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED

EQUITABLE ADVISORS, LLC

INTEGRATED WEALTH CONCEPTS LLC

LPL FINANCIAL LLC

OSAIC FA, INC.

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

OSAIC FA, INC.

RBC CAPITAL MARKETS, LLC

RBC CAPITAL MARKETS, LLC

Primary Firm SEC Registration

TWIN FOCUS CAPITAL PARTNERS, LLC

State Registrations and Notice Filings

Exams

Series 66

Date: 8/14/2003

SIE

Date: 6/22/2018

Series 7

Date: 9/18/2002

Current Firm

TWIN FOCUS CAPITAL PARTNERS, LLC

Contact information

SEC notice filing (5 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

TWIN FOCUS CAPITAL PARTNERS, LLC

TRUST BUT VERIFY

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