DFX Intelligence

Data Factory

RIA / WealthAdvisorCertified Financial Planner23 years in industry

Wendy Karkoska

Advisor at TWIN FOCUS CAPITAL PARTNERS, LLC

BOSTON, MA

This is the graph view. The full profile, with its team, deals and sources, is on RIA / Wealth Management.Open the full profile →

Search this name across graphsid dfx:ria:9fe43532-d390-e896-2fd1-04c194379582

Data as of Sep 14, 2026 (this record's last observation) from federal regulator filings. Page built Sep 19, 2026, 8:30 PM UTC and rebuilt at most every 15 minutes.

Relationships: 6
Dated events: 1
On other graphs: 0
Observed: Aug 20, 2003 to Sep 14, 2026

Across DFX

This entity has not been resolved onto another DFX graph by a shared identifier. A name match elsewhere would be a candidate, never an identity, and none is recorded.

Facts

fact = as filed or announced; derived = computed by DFX; estimate = a band, never a point

Current firm: TWIN FOCUS CAPITAL PARTNERS, LLC
Current firm class: independent wealth managerderived
Book size: not publicno per-advisor AUM is published by the SEC, FINRA or IAPD, and DFX estimates none
Industry start: Aug 14, 2003earliest registration or exam on IAPD
Years in industry: 23derivedfrom the industry start date
Years at current firm: 0derivedfrom the current registration's begin date
Prior firms: 5
Current registrations: 1
Registered states: 1
Designations: Certified Financial Planner
Exams: S66
First exam: Aug 14, 2003
First registration: Aug 20, 2003
Dual registered: no
Other names: WENDY JILL GILBERT|WENDY JILL SANDBERG|WENDY JILL KARKOSKA|WENDY JILL SANDBERG|Wendy Karkoska|Wendy Gilbert|JILL SANDBERG|Wendy Sandberg
IAPD individual key: 4568568

Registration history

registration spans on IAPD; the basis says whether the span is a current registration or a prior employment record

Firm	Class	Began	Ended	Current	Branch	Basis
TWIN FOCUS CAPITAL PARTNERS, LLC	Independent wealth	Jan 2, 2026	n/a	yes	BOSTON, MA	Current employment
RAYMOND JAMES & ASSOCIATES, INC.	National bd RIA	Dec 9, 2019	Nov 4, 2025	no	Boston, MA\|BOSTON, MA	Previous registration
MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED	Wirehouse	Nov 27, 2018	Nov 26, 2019	no	BOSTON, MA	Previous registration
INTEGRATED WEALTH CONCEPTS LLC	Independent wealth	Jan 23, 2017	Sep 4, 2018	no	Waltham, MA	Previous registration
OSAIC FA, INC.	Former SEC adviser	Nov 9, 2005	Feb 9, 2017	no	WALTHAM, MA	Previous registration
RBC CAPITAL MARKETS, LLC	National bd RIA	Aug 20, 2003	Sep 1, 2005	no	BOSTON, MA	Previous registration

Moves

a move is two registration dates; a bulk corporate re-registration is typed BULK_TRANSFER and is not a move

From	To	Left	Joined	Gap, days	Kind	Move type
RAYMOND JAMES & ASSOCIATES, INC.	TWIN FOCUS CAPITAL PARTNERS, LLC	Nov 4, 2025	Jan 2, 2026	59	Firm change	Ibd to RIA
MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED	RAYMOND JAMES & ASSOCIATES, INC.	Nov 26, 2019	Dec 9, 2019	13	Firm change	Wirehouse to ibd
INTEGRATED WEALTH CONCEPTS LLC	MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED	Sep 4, 2018	Nov 27, 2018	84	Firm change	RIA to wirehouse
OSAIC FA, INC.	INTEGRATED WEALTH CONCEPTS LLC	Feb 9, 2017	Jan 23, 2017	-17	Firm change	Other
RBC CAPITAL MARKETS, LLC	OSAIC FA, INC.	Sep 1, 2005	Nov 9, 2005	69	Firm change	Other

Team moves

moves this advisor made together with colleagues (two or more registrations ending and beginning together)

Team	Left	Joined	From	Kind
3978:284656:MA:2017-01-24	Feb 9, 2017	Jan 23, 2017	WALTHAM, MA	Firm change

Relationships

Registered with (6)

→ TWIN FOCUS CAPITAL PARTNERS, LLCRegistered adviserregistration: current employment
Jan 2, 2026 to presentfactForm ADV
→ RAYMOND JAMES & ASSOCIATES, INC.Registered adviserregistration: previous registration
Dec 9, 2019 to Nov 4, 2025factForm ADV
→ MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATEDRegistered adviserregistration: previous registration
Nov 27, 2018 to Nov 26, 2019factForm ADV
→ INTEGRATED WEALTH CONCEPTS LLCRegistered adviserregistration: previous registration
Jan 23, 2017 to Sep 4, 2018factForm ADV
→ OSAIC FA, INC.Registered adviserregistration: previous registration
Nov 9, 2005 to Feb 9, 2017factForm ADV
→ RBC CAPITAL MARKETS, LLCRegistered adviserregistration: previous registration
Aug 20, 2003 to Sep 1, 2005factForm ADV

Dated events

Occurred
Nov 4, 2025
Advisor changed firm
Wendy Karkoska left Raymond James & Associates, Inc. for Twin Focus Capital Partners, Llc (registered 2026-01-02)
Form ADVobserved 4 days ago