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Helping you remove the hassle of properly coordinating all of
your financial affairs, so you can live a happier life and enjoy retirement.

Manage Restricted Stock Units (RSUs) – Minimize Taxes – Invest Responsibly – Optimize Retirement Income

Slide thumbnailwhite transparent gradientManage Restricted Stock Units (RSUs) - Minimize Taxes - Invest Responsibly - Optimize Retirement IncomeSacramento Financial Advisor Near Me | Get InsightsHelping you remove the hassle of properly coordinating all of
your financial affairs, so you can live a happier life and enjoy retirement.

WEALTH MANAGEMENT SERVICES

We are a Sacramento wealth management advisory firm staffed with advisors credentialed as a Certified Financial Planner® (CFP), as a Certified Investment Management Analyst® (CIMA), and as a Certified Public Accountant (CPA).

As a boutique wealth management firm, we have a legal fiduciary obligation to you, our client, and our fully independent financial advisors welcome helping you construct a customized, disciplined, and comprehensive financial, investment, and retirement plan.

AS FEATURED IN

A Bailout for Banks, Again? Well, Kind Of 3.24.2023

TRENDING TODAY 

Our bi-weekly Trending Today newsletter is designed to:

  • Deliver no-nonsense original content designed to enhance your wealth management knowledge.

  • Provide insight into financial news and events.

  • Clarify and simplify wealth management and financial planning concepts.

SUBSCRIBE

TALK TO US!

Steve Pitchford, CPA, CFP | Director of Tax and Financial Planning

Steve Pitchford, CPA, CFP ®
Director of Tax and Financial Planning

WEALTH MANAGEMENT FIRM INSIGHTS & INFORMATION

As a fiduciary financial advisor to our clients, we are acutely attuned, but rarely reactive, to the latest financial, societal, and economic developments. Being a boutique wealth management advisory firm, one of the ways we fulfill our legal fiduciary responsibility to you, our client, is through the publication of various wealth management informational white papers, blog posts, and educational videos.

News / Media

Do you need to pay taxes on money given to you in a will? 03.20.2023

Money Musings

The Necessary Evils of Investing: Taxes and Expenses  03.18.2023

This Just In

Towerpoint Wealth Team Learn CPR and First Aid 02.10.2023

White Papers

How a Financial Advisor Helps You Protect and Grow Net Worth 03.01.2023

CLIENT REVIEWS

Ken Civiello
Ken Civiello
00:26 07 Mar 23
I have been a client of Towerpoint from their beginning. Have always been impressed with the quality of the entire staff, and their desire to provide support and assistance.
Mike Bronny
Mike Bronny
02:23 23 Feb 23
Joseph and his team of experts, allows our family to not worry about how to safeguard and manage our Living Trust. Joseph has guided us for more than 15 years with zero issues. We have recommended Joseph to friends and family and they are all extremely happy with Joesph and his team management of their portfolios.
James Roxburgh
James Roxburgh
00:46 22 Jan 23
Joseph and Team are fantastic! Such an amazing attention to detail with a great personal touch; follow-through is outstanding! Thank you Towerpoint Wealth Team!
Bobby Rinkle
Bobby Rinkle
22:49 19 Jan 23
I have had the pleasure of working with Jonathan W. LaTurner and Joseph Eschleman for the last decade. As well as their staff, I find them very professional and courteous. And I look forward to working with them for many more years!
Sabrina Murphy
Sabrina Murphy
19:57 30 Dec 22
The TPW team are great people, extremely knowledgeable on all things financial, and industry contacts to assist with retirement planning, taxes, real estate, trusts, insurance, etc. TPW helped us consolidate our assets, even if they aren't managing them directly, to better understand our net worth. Able to respond on financial issues in a timely manner.TPW listens to the client; their long term view aligns with us on investment strategy.
Kevin Ballard
Kevin Ballard
19:39 28 Dec 22
Joseph Eschleman and the entire Towerpoint Wealth Team are a pleasure to work with. They are prompt to answer any financial question, many times outside of traditional work hours. The support and genuine interest in achieving the best results for my family is what makes them special.
Brett Miles
Brett Miles
21:46 12 Dec 22
Joe has been our advisor for 15 years and his results are fantastic. His guidance and advice for navigating to retirement and beyond is invaluable.
Brian Barrette
Brian Barrette
23:59 09 Dec 22
Excellent service. No pressure to purchase or sell stocks or bonds.
Ted Cohen
Ted Cohen
17:49 09 Dec 22
Excellent service by Joseph and his team
Ron Allen
Ron Allen
21:49 10 Nov 22
We have been long-term clients of Joseph since before Towerpoint Wealth was formed, and been very happy with the advice and stewardship of our investments. Towerpoint has put together a great team that has found a way to be both personal and professional.As we transition into retirement, we have enough confidence in Towerpoint Wealth to put our trust and financial future primarily in their hands.
Shannon Downs
Shannon Downs
21:40 15 Aug 22
I've been working with Towerpoint Wealth, LLC for the past several years. Their staff is knowledgeable, helpful and professional. I feel confident entrusting my client's assets with their firm.
Erik Coffman
Erik Coffman
19:14 29 Jul 22
Joseph and his team are incredible. Joseph is extremely knowledgeable and responsive whenever questions come up. We rely on his expertise and contacts for all things money and finance related, most recently in regards to connecting us with a mortgage lender with the best rates and lowest fees for a new home purchase. He never disappoints and our family feels very secure knowing we have him in our corner. Thank you Joseph and Towerpoint Wealth for all that you do.
Ben Clark
Ben Clark
01:27 08 Jul 22
I’m very impressed with their professionalism and look forward to a long relationship.
Richard Langan
Richard Langan
19:34 13 Apr 22
My wife and I have been clients of Joseph Eschleman for well over a decade including time prior to the formation of Towerpoint Wealth. Throughout this relationship Joseph and his associates have been professional, proactive, knowledgeable and resourceful. His assistance has been invaluable to us in building and refining our financial strategy. He and his team are always available and responsive and have been a great resource to our family including professional references outside Towerpoint including formation of a living trust and help navigating the complexities of Medicare gap insurance.
Anna Henderson
Anna Henderson
18:49 12 Apr 22
I have been one of Joseph Eschesleman's clients since I retired more than 15 years ago. He and his team have always impressed me with a sound strategy for my financial needs. In forming Towerpoint, he has brought in more professionals to handle all aspects of financial services. They are very knowledgeable and accommodating individuals. It's always been my feeling that you can believe in a company that has loyal long-time employees and Towerpoint does. I would not hesitate to recommend the Towerpoint team..
Jack Brothers
Jack Brothers
14:36 22 Mar 22
Towerpoint Wealth is a proactive organization that has consistently earned the trust we have long held. Business is always conducted on a very professional, but also a highly personal level. Long-term results clearly demonstrate excellence regarding communications and technical competence. A great group of people, to boot!
Teri Brothers
Teri Brothers
21:43 21 Mar 22
I've known these people for many years and they're the best at every single thing they do. They really care about the people they serve.
James Callaghan
James Callaghan
02:56 15 Mar 22
My wife and I have been very satisfied and happy in our association with Towerpoint Wealth. We have been clients with Joseph Eschleman for many years, When we started we were interviewed at length about our goals, and preferred style of investing. Those decisions have been faithfully and carefully followed. As a result we are much better off financially, and we feel very secure about our investments. We enjoy meeting with him personally for our quarterly review meetings. We would recommend his services to anyone !
Paul Herman
Paul Herman
06:06 04 Mar 22
TowerPoint has done an excellent job managing my portfolio, giving sound advice and strategies necessary to wade through some turbulent times. Joseph and the team at TowerPoint are first class!
David DeCarlo
David DeCarlo
21:11 01 Mar 22
Very professional, always available and willing to help whenever needed.
Jane Fisher
Jane Fisher
15:54 19 Feb 22
We’ve been clients of Towerpoint for over a decade. And while I’m sure we’re not their largest client, we are treated as though we are. Joseph cares about our personal well being as well as our financial situation. He has assembled a group of world class professionals. If you’re looking for a financial adviser, you need to look no further than Towerpoint Wealth.
Shelly Patterson
Shelly Patterson
23:48 17 Feb 22
Towerpoint is wonderful! Joe’s always willing to meet with us.
Rich Martin
Rich Martin
23:27 04 Feb 22
I have been working with Joseph and his team for many years now, and I am very comfortable with Towerpoint being on my financial team.
Michael Braswell
Michael Braswell
16:05 01 Feb 22
We have had Joseph Eschleman as our financial advisor since before he founded Towerpoint Wealth. We have so much confidence in him that we would follow him anywhere. He and his team continually provide top notch service. They are extremely professional, knowledgeable and personable. Being a fiduciary, I know Joseph is ultimately concerned about growing our money yet maintaining our financial security. We know we can count on him and his team to always do what is in our best interest.Joseph always stays in touch with us; keeping up with us and our personal situations, and keeping us informed of what is happening in the financial world. He calms us during the rocky times and celebrates the good times with us. We cannot recommend or thank Joseph and Towerpoint Wealth enough!
Harlan Albers
Harlan Albers
16:56 31 Jan 22
From day one the Towerpoint Wealth team have been extremely helpful with our questions and made us comfortable with our financial decisions for retirement. Looking forward to our future together.
Robert Holly
Robert Holly
04:25 15 Jan 22
Very professional, client centered, comprehensive financial fiduciary. We feel very comfortable with their management of our investments and their commitment to our total financial health. Not only do they manage our investments, they coordinate with our accountant and lawyer about our taxes and trust, respectively, to ensure that our investments fit into a comprehensive and secure financial plan.
Pepper Saffron
Pepper Saffron
19:46 04 Jan 22
Joseph has been our financial advisor for several years. We enthusiastically followed him when he launched Towerpoint Wealth. We appreciate Joseph's perspective, balanced views, and shared options regarding investment strategies. Perhaps more important is Joseph's commitment to helping us reach our financial goals and his honed listening skills. We appreciate the service from Joseph and his responsive team and look forward to many more years of our partnership with Towerpoint.
Molly Goldbar
Molly Goldbar
19:35 22 Dec 21
We have been working with Joseph and Towerpoint for over fifteen years. NEVER have we been disappointed. They are always available and respond to requests and questions immediately. It’s a pleasure!
Darrel Fink
Darrel Fink
00:10 17 Dec 21
Being a part of TowerPoint Wealth since it began has been so exciting. And I can’t say enough about Joseph and the entire team. I retired 6 years ago and my wife and I needed someone to help us assure we be ok throughout our retirement years. I retired early at the age of 60 and didn’t want to end up without any money in the future. I have confidence in the entire TowerPoint team and their financial prowess. As my wife and I enjoy our retirement together and the travel and family time together with our kids, we are very blessed to have TowerPoint beside us every step of the way.
Melanie Coffman
Melanie Coffman
23:06 16 Dec 21
I feel very secure working with Joseph and his team. They are extremely personable and professional.
Joni Wilson
Joni Wilson
22:42 10 Dec 21
We joined Joseph and his group at the recommendation of friends ( clients) I was going through the death of both my parents and Joseph helped me steer the ship. He’s been wonderful to work with, explaining when I needed help and always keeping in mind my goals. I would highly recommend his firm!
MCatherine Lyons
MCatherine Lyons
03:46 09 Dec 21
In Towerpoint Wealths current newsletter, the discussion focused on “Will $2million be enough to retire on”. As the newsletter states, “depends”I always thought a millionaire was a very rich person certainly not a goal I could ever attain .My parents, who raised 6 children, could never have envisioned that kind of retirement comfort.We did not begin our retirement savings until our mid 40’s when we met Joseph. We have achieved that $2 million goal thanks to Joseph’s guidance and the team at Towerpoint. We made sure our daughter understood the importance of starting that plan early and at 15 opened her Roth with Joseph. I do not worry about her future. I am grateful for the guidance and patience I receive from my advisor and “therapist” .I encourage you to read the entire newsletter. It prompted my response of confidenceHappy Holidays to all and may you live in comfort in your retirement
Lawrence Swanson
Lawrence Swanson
17:21 19 Nov 21
We have been with Towerpoint from it’s inception. Joseph and his team are outstanding people and professionals. They have earned our trust and gratitude in all aspects of our financial needs. They not only have our business, but several of our friend’s as well. Towerpoint has our highest recommendation.
Robert Stott
Robert Stott
18:30 05 Nov 21
We’re getting up in years but could not be happier than our relationship with Joseph and his staff. All aspects are excellent. I could not be prouder than call Joseph our financial advisor and friend.
David Helmsin
David Helmsin
18:18 03 Nov 21
I have entrusted Joseph and his team with my financial well-being for over a decade. They have consistently met my expectations in every situation. The personalized service is exceptional and I would highly recommend the firm to anyone.
Lorene Jackson
Lorene Jackson
02:11 22 Oct 21
Towerpoint Wealth helped me plan for retirement and are now allowing me to live my best life!!
Bob Podzius
Bob Podzius
17:39 18 Oct 21
Joseph has provided us with expert financial guidance for over 15 years, starting several years prior to retirement and all the way through today. I trust his judgement unequivocally. He has always taken the time to throughly explain his strategy, and make sure we're in total alignment. Now with TPW, he has built a skilled staff of professionals to handle an expanded array of issues. He keeps in touch during the year via check ins, does in depth annual reviews, and is always immediatley responsive to our needs. We couldn't be more comfortable with anyone looking after our financial interests.
Ann Peterson
Ann Peterson
22:36 15 Oct 21
Joseph and team are always there to meet our needs with objective, professional and timely advice.
Alan Jackson
Alan Jackson
20:36 15 Oct 21
We have enjoyed the services of Joseph Eschleman for 18 years. He is always professional and responsive. His integrity is beyond question. He is very clear with explanations and he always makes me feel that my success is important to him. He has surrounded himself with pleasant people who are eager to help us.I have recommended him to friends and family and they have thanked me.
L Halprin
L Halprin
19:16 15 Oct 21
Our wonderful friendship & financial guidance relationship with Joseph Eschleman began 18 years ago, long before he formed Towerpoint Wealth. His personal integrity is as important to us as his excellent portfolio advice. He guided us during many family & professional milestones that led us to a secure retirement. He surrounds himself with colleagues of similar integrity & skill, important factors for us. He takes into account issues we care about, including climate change, social justice & corporate responsibility. Bravo, Joseph & Towerpoint!
Jean Donaldson
Jean Donaldson
21:18 14 Oct 21
Joseph and his staff at Towerpoint Wealth are experts that really care about their clients. They are extremely responsive to our needs and they provide their clients with important and timely financial information on a regular basis. They make you feel like you are part of their “Towerpoint” family.
Bill Woodruff
Bill Woodruff
00:42 28 Sep 21
We have worked with Towerpoint Wealth since their inception. Trustworthy, sound financial advice, peace of mind, excellent customer service. We recommend them!
C. Kim Jester
C. Kim Jester
23:24 22 Sep 21
We were looking for a new financial advisor after feeling like a number and receiving very poor customer service from one of the very large financial institutions. Someone suggested we check out Tower Point. After doing some research and interviewing Joseph, Steve and Michelle, we made the switch. I am so glad we did! They are so responsive and attentive. We are treated with respect. They answer our questions so that I can understand them. We are so glad we made the switch!
kitty cat train
kitty cat train
19:13 21 Sep 21
Towerpoint Wealth has been consistently responsive to my questions and concerns regarding all aspects of financial planning as we enter our retirement years. I feel confident that we made the right choice by trusting in the guidance and expertise of the collective team at Towerpoint Wealth.
Judy Britts
Judy Britts
16:21 16 Sep 21
From our first meeting with Joseph, before Towerpoint Wealth was formed, we knew we had found someone we could trust with helping us plan our financial future as we approached retirement. Joseph has created a team that mirrors his highest level of professionalism, caring, attention to detail, and knowledge of the financial world.Retirement is wonderful. Having Towerpoint Wealth manage our retirement portfolio gives us peace of mind.
Gail Geisick
Gail Geisick
17:02 13 Sep 21
TowerPoint always listens to our personal financial needs as our needs evolve. Their advice is based on proven financial practices and data. They respect our concerns and don’t pressure us to invest but always offer products they have researched and feel are a match for our financial goals.
Kevin O'Brien
Kevin O'Brien
07:47 11 Sep 21
We have benefitted from the services provided by Towerpoint Wealth since Joseph started the company in 2017. Joseph had been our financial advisor for well over 10 years by then and my wife and I were already accustomed to and very comfortable with his well thought-out guidance, service, responsiveness and expertise. Most importantly Joseph, with the entire Towepoint team, understands our goals, risk tolerance and specific ethical investing values, and continually monitors and executes our customized financial plan to keep us solidly on track.
Bruce & Debbie Baker
Bruce & Debbie Baker
21:19 08 Sep 21
Great financial advice and complete service from every team member. Highly recommend.
Barbara Grant
Barbara Grant
14:05 07 Sep 21
Joseph and TPW team are Knowledgeable, client oriented and always looking out for us.
MP Gilman
MP Gilman
04:28 03 Sep 21
The Towerpoint Wealth team have been very effective and a pleasure to work with.
Julia Harrison
Julia Harrison
18:44 01 Sep 21
I have been working with Joseph for many years. Very professional, listens to my concerns, and gives great guidance. My parents use him, and I referred my sister there. I highly recommend this company.
Marc Billigmeier
Marc Billigmeier
03:53 01 Sep 21
We are extremely pleased with our relationship with Joseph Eschleman and the entire team at Towerpoint Wealth! Each of the team members are very personable and always prompt and responsive to our contacts. When we have our annual sit down with Joseph Eschleman, he is both professional and personal as we evaluate our current financial investments as well as look ahead projecting future needs. We have the utmost confidence with Towerpoint Wealth to both protect our assets as well as provide wise counsel when we need to withdraw amounts from our funds. We highly and without reservation commend Towerpoint Wealth as a financial advisor for your assets
Kristi Spector
Kristi Spector
14:39 23 Aug 21
We have really enjoyed working with Joe and his team over the years. It is a comfort knowing that he has our best interest at heart and will help us achieve our financial goals for our future. We would highly recommend TowerPoint Wealth to any of our friends
Eric Schroeder
Eric Schroeder
22:44 20 Aug 21
We have trusted Joseph with our financial future for over 14 years. Given his track record with our investments we had no qualms about continuing on with him as he started Towerpoint Wealth. He surrounds himself with a staff that is extremely responsive and accommodating as well as endearing. The other professionals there add expertise and value that creates a full service experience. If there is something that you are interested in they will get you the materials, information or people to provide you with an educated decision. Advice is always prominent but never forced. They make you feel like part of a friendship and not a profit piece. Investing toward peace of mind is always somewhat stressful. They take the stress away. That is something we can all use in these times.
Kevin Mahoney
Kevin Mahoney
23:36 18 Aug 21
I have been associated with Joseph Eschleman for approximately 20 years. My experience with Joseph has been that he excels at making our relationship both professional and personal. Joseph and TowerPoint have exceeded my expectations. His manner is is very business-like, yet he has taken the time to get to know my wife and I on a more personal level.Joseph takes the time to explain our current status and ensures that we understand every transaction, the reasons why he is recommending the trans action and that we are in agreement with every decision made on our behalf. We have total confidence in Joseph and TowerPoint.I highly recommend Joseph Eschleman and TowerPoint.Kevin Mahoney
Robert Shanley
Robert Shanley
19:30 17 Aug 21
We have been clients of Joseph for many years and have continued on with Towerpoint Wealth since its inception. We feel confident working with Joseph, Steve and the rest of his great team building a strong financial plan to meet our goals and retirement needs. We trust and value their guidance, together we continue to build a strong relationship. It’s a great feeling knowing that you have a knowledgeable dedicated team looking out for you and your family.
Dan Elliott
Dan Elliott
20:04 16 Aug 21
We’ve been clients of Joe Eschleman for almost 20 years and are so grateful for the association. The team he has assembled at Towerpoint is fantastic and has always been quick to answer our questions and address any concerns. We have watched our accounts grow nicely over the years and put us in position to proceed with our retirement plans. Joe and his team have a great ability to explain complicated issues so that we are able to easily understand what is going on. That’s our professional assessment— our personal assessment of Joe and his team is equally positive. Joe sets the tone and everyone at Towerpoint follows his example of being caring, considerate, and thoughtful. While I have several regrets looking back over the last 20 years I have no regrets when it comes to trusting Towerpoint to set up our financial path. Thank you Joe and thanks to your team at Towerpoint!
Craig Richardson
Craig Richardson
23:13 13 Aug 21
The Towerpoint Wealth team is knowledgeable, professional, and personable. In addition to caring about your finances, they care about you and your family.
Laurena Cabanero
Laurena Cabanero
00:29 02 Aug 21
Joseph was our financial planner for many years prior to his starting Towerpoint Wealth and has continued in that role since.  We greatly appreciated his expertise and guidance as we worked towards retirement. He also provided solid advice and direction on managing our 401K funds before rolling them into IRAs. His management along the way has allowed us to enjoy our retirement with confidence.  Joseph has filled Towerpoint Wealth with quality and knowledgeable staff who have provided timely assistance for our transition to retirement and in purchasing our retirement home. We credit Joseph and Towerpoint Wealth for helping us stay steady and focused when it comes to our financial well-being.
Darrel Fink
Darrel Fink
21:15 30 Jul 21
We have very much enjoyed the time ‘we’ll spent’ with our investment team over the years. It’s made out retirement very doable and even fun since Joseph and team continue to keep us pointed in the right direction. I will always count it a privilege to work with such a professional organization that has created a personal retirement plan just for us.
Scott Kelly
Scott Kelly
23:59 29 Jul 21
I’ve worked with Joe and Lori both personally and professionally for many years, most recently watching the Towerpoint team come together.These folks are knowledgeable and accessible and they have my complete trust. When it comes to financial planning Joe and his team are a difference maker.
Meg Heede
Meg Heede
16:04 27 Jul 21
I have been with this Financial Planning Company for many years because I trust them and they are proactive with keeping me informed about my Portfolio.Joseph talks to me about my holdings with a face to face meeting each year and calls when rebalancing my accounts to keep me up to date. I feel comfortable about having a part in this with questions and his explanations. I’m happy!!
Terrie Coleman
Terrie Coleman
15:20 27 Jul 21
I followed Joseph Eschleman to Towerpoint Wealth, and I'm glad I did. He and his team of financial experts have made may retirement worry free. Lori, Steve, Nate are always quick to respond to inquiries. The customer service at Towerpoint Wealth is stellar!
Beth Parvin
Beth Parvin
21:56 15 Jul 21
Joseph Eschleman had been our trusted financial advisor long before he started Towerpoint Wealth. We have come to know Joseph as an individual devoted to his family and his clients. With the team he has put together at Towerpoint Wealth, Joseph is able to provide superb guidance and customize options to mitigate our financial concerns and our changing life circumstances. We have unwavering faith in Joseph's knowledge, ability and commitment to our financial health.
Bill Kendall
Bill Kendall
22:38 28 Jun 21
If you want wealth management, financial advice, investment guidance, then you can't do better than Towerpoint Wealth. Their personalized approach is absolutely amazing!
nancy kendall
nancy kendall
21:28 28 Jun 21
We have been with TowerPoint wealth since it's beginning. They are very professional, great at communication, and We highly recommend them for financial planning, at any age!
Norine Mullen
Norine Mullen
18:58 25 May 21
I've been a client of Towerpoint Wealth from its inception. I had worked with Joseph Eschleman before he started his own financial advisory firm and had felt confident in his advise not only for my mother, while she was alive, but also for me after my Mom passed away. Joseph is extremely professional and very responsive to his clients. He is an excellent listener and always has his client's best interest when suggesting investment strategies. He has grown his firm to include a variety of specialists that are equally committed to helping clients achieve their financial goals.
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FREQUENTLY ASKED QUESTIONS

Why is it important to have a financial advisor?

Accumulating money doesn’t always lead directly to economic peace of mind. This money also has to be properly managed and protected if it’s going to last you through your lifetime. It is not common to have the time, expertise, desire, patience, or discipline to establish, and then consistently execute on, a well-thought-out and customized wealth-building and wealth-protecting plan, so that when you’re ready to stop working, your net worth will be enough to help you enjoy the rest of your life.

Investing, coordinating, protecting, and managing your wealth and assets is a challenge that increases as your net worth does.

This leads to the inevitable question that many investors find themselves asking at some point in their net worth building journey – “How and where can I partner with a trustworthy, qualified, and supportive financial advisor who can help me properly manage and coordinate much of this financial heavy lifting?” Financial Advisor Near Me

How important is it to have a local financial advisor?

We enjoy the opportunity to connect with our clients in person to deepen our relationships and foster healthy communication and planning, and though we are a Sacramento wealth management firm, we regularly partner with clients in Granite Bay, Rocklin, Roseville, El Dorado Hills, Auburn, Davis, and throughout the Northern California region.

While important, in-person meetings aren’t a requirement for a wealth management partnership. More important is that you find someone with the best qualifications for financial advisor.

What are the advantages of working with a fully independent wealth management firm?

Almost six years ago, our three founding partners were employed by a major Wall Street firm, and felt that a “graduation” was in order, for both themselves, but more importantly, for each of their clients. The decision was made to establish Towerpoint Wealth as a boutique, fully independent wealth management firm, as it had become evident that we could serve our clients’ needs much more effectively as an independent firm, with a much broader array of tools, technology, and investment products to assist our clients. Additionally, and importantly, we are now legal fiduciaries to our clients, are responsible to act in our clients’ best interests 100% of the time, and are no longer obliged to prioritize the interests of our employer over those of our clients.

The technology available to us as a fully independent firm far surpasses the financial, reporting, tax, investment, and retirement planning tools we were previously beholden to. Access to this type of technology enables us at Towerpoint Wealth to serve our clients with a wider and more advanced spectrum of resources, eclipsing our previous capabilities. This open-architecture model frees us from the legacy systems to which we were previously captive. We believe this work environment minimizes conflicts between us and the needs of our clients. As Sacramento Independent financial advisors, we work for our clients and no longer for a major bank or brokerage firm, and serve our clients in an environment free from corporate influences and mandates. Independent financial advisors.

What services do you provide exactly?

Towerpoint Wealth, a boutique investment firm in downtown Sacramento, seeks to provide clients financial peace of mind, gained from knowing that their finances are properly coordinated. Simply put, our Sacramento Financial Advisors help our clients make better financial decisions and take full advantage of the opportunities available to them, while also focusing on minimizing the ever-present risks that exist within the economy and financial markets.

At Towerpoint Wealth, we offer a broad-based array of resources to provide solutions, planning, counsel, and advice.

With the best financial advisor, you will have someone at your side who will help you make smart financial decisions. Want to retire early? Not sure what to do with your RSUs? Not sure if you need an estate plan? We will help you properly manage not just your money and investments, but all of your personal financial affairs, supporting you with the guidance of a well-educated, responsive, focused and diligent partner.

Our singular focus is on helping our clients towards achieving, and then maintaining, their financial independence, allowing them to live a better life and a comfortable retirement while building net worth and protecting net worth. Sacramento Wealth Management Services >

Can I retire on 2 million dollars?

Retiring with 2 million dollars for some sounds like a dream, and for others not nearly enough. A 2020 survey from Schwab Retirement Plan Services found that the average worker expects to need roughly $1.9 million to retire comfortably. Is retiring with 2 million dollars a reasonable goal? There certainly are number of things to consider before attempting to answer this question. We appreciate the responsibility of helping you to clarify questions like this one, as we believe it is essential to combine both the “art” and the “science” of wealth management and financial planning when working with you to make informed decisions about important financial matters, like when to retire.

Want to read more about our wealth management philosophy?

Want to read more about retiring with 2 million dollars?

What is your approach to helping clients?

Here at Towerpoint Wealth, we believe that money, in the purest sense of its form, is simply a means to an end. Financial independence means having enough money to ensure your peace of mind. Our wealth management philosophy is grounded in a consultative process that begins with simply sitting down, talking with, and beginning to get to know you. Understanding your hopes, dreams, background, fears, motivations, and vision you have for your and your family’s future may take a sincere investment of our (and your) time and energy, but is absolutely essential in building a long-term foundation to ensure you receive the best and most intimate planning, counsel, and guidance, and so we may construct the most customized plan for your financial future.

We also expect to regularly collaborate with your other professional service providers to ensure that the many non-investment specific aspects of your financial life are properly coordinated and integrated into your customized wealth management plan. From tax management and minimization to comprehensive estate planning, and from real estate coordination to business and insurance considerations, there are typically a myriad of components to your customized financial plan that we believe need to be considered and integrated into your strategy.

In other words, our Sacramento Financial Advisors sincerely care about understanding you and what makes you tick. Towerpoint Wealth Philosophy & Strategy >

Are you a legal a fiduciary for your clients?

Yes. We are a legal fiduciary for our clients. In the investment field, there are two types of primary parties who are able to offer investment advice to individuals, as well as to institutional clients such as pension funds, non-profit organizations and corporations. These parties are 1.) fiduciary financial advisors and 2.) investment brokers who are employees of broker-dealers.

Many clients may say “what’s the difference?” and consider the investment advice they receive from each party as similar; however, there is a key difference that oftentimes is not completely understood by the investing public. The difference pertains to two very different professional standards that fiduciary financial advisors versus investment brokers must adhere to, and the distinction has immensely important implications for individuals who hire outside financial assistance.

Learn more about what it means to have a fiduciary financial advisor.

How do I increase my net worth?

Why do investors feel smarter and more confident when the markets are rising, and dumber and less confident when the markets are declining? One word: emotions. At Towerpoint Wealth, we believe that an essential quality of a skilled financial advisor is the ability to help a client remain objective, avoid becoming overconfident, and also manage the feeling of hopelessness when the markets (and client account balances) inevitably go through temporary periods of decline. Managing emotions and remaining objective when making financial decisions can be difficult to do by oneself, but is an essential component of longer-term success in building and protecting net worth. Net Worth.

What estate planning documents do I need?

If you have a financial plan, you also have an estate. In fact, no matter your net worth, once you die, everything you own is considered part of the estate you left behind. It is essential to have an estate plan and properly drafted estate planning documents that specify how you want your assets distributed upon incapacity or death. When most individuals are thinking about estate planning and wills and assembling their estate planning documents, there are also tax consequences to think about. A truly comprehensive estate plan considers both the tax consequences for you during life, as well as those that the beneficiaries of your estate may face. Estate Planning

What do I need to understand about the taxation of restricted stock units?

Restricted Stock Units (RSUs) can be a significant component of an employee’s compensation package. But the taxation of restricted stock units, a form of stock based compensation whereby an employee receives rights to shares of stock in a company that are subject to certain restrictions, can be fairly complex. While RSUs do not represent actual ownership or equity interest in a company until they vest, they do become taxable upon vesting.

Want to learn more about building an RSU strategy?

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WAIT...Grab Your 2023 Tax Cheat Sheet!

This handy reference guide was designed to help you take advantage of the many tax deductions and opportunities there are to help you save money on your income taxes!

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GET YOUR FREE 2023 TAX CHEAT SHEET!

This quick reference guide (PDF) provides the most important figures you need for 2023 tax planning and minimization. Tax Guide Thumbnail