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

TPW Wealth Management Services

We are a 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

TPW Recent Financial News

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 informational white papers, blog posts, and educational videos.

TPW Trending Today

Will the Beginning of Fall Cause the Market to Stall? 09.17.2021

In the Northern Hemisphere, September (the harvest month) marks the beginning of meteorological autumn, and in many countries, the beginning of the academic year. In her short poem about the month of September, the Canadian author Lucy Maud Montgomery (best known for her classic children’s novel, Anne of Green Gables) offers a cheerful tribute to the ‘late delight’ of […]

TPW News / Media

Five Things I Wish Someone Told Me Before I Became A Founder 02.12.2021

Our President, Joseph F. Eschleman, CIMA®, was interviewed by Candice Georgiadis, a contributing writer to Authority Magazine, as part of her series about leadership lessons of accomplished business leaders. Joseph’s story and message does an excellent job of summarizing not only how passionate and driven he is as President and founder of Towerpoint Wealth, but […]

TPW Money Musings

Social Security Explained 09.07.2021

Imagine you are offered a job, and you are counting on it to provide income for you and your family for many, many years. But you didn’t ask about 1.) starting date, 2.) salary, nor 3.) benefits. Now, change “job” to “Social Security” and you get a sense of the general lack of knowledge many […]

TPW This Just In

TPW Participates in Jesuit High School Back to School Backpack and School Supplies Drive 07.26.2021

Most of the Towerpoint Wealth team spent some time this morning prepping new backpacks full of #backtoschool supplies we purchased for low income and homeless students in the greater-Sacramento area. Cheers and 👍 to Jesuit High School here in Sacramento for coordinating this program, as it is enjoyable to do little things like this to give back and help the community. ❤️

TPW White Papers

Restricted Stock Units – RSU 08.04.2021

Restricted Stock Units (RSUs) can be a significant component of an employee’s compensation package. But what exactly is an RSU? How are they treated for tax purposes? How do you plan most effectively when your RSUs vest? The 411 on Restricted Stock Units will tackle these questions and more. What are Restricted Stock Units? RSUs, […]

Trending Today is our bi-weekly Sacramento financial planner newsletter, designed to:

  • Deliver no-nonsense original content designed to enhance your financial knowledge
  • Spotlight timely news and topical events to keep you abreast of what we feel is actually important in today’s complicated world
  • Clarify and simplify many Sacramento wealth management and financial planning concepts

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“We cannot direct the wind, but can adjust the sails”
- Bertha Calloway

Sacramento Wealth Advisor_Financial Plan Towerpoint Wealth

Sacramento financial advisor

Why did you decide to move to a fully independent model?

We have decided to become independent for many reasons, the most central of which is you, our client. Because we are no longer employees of a large brokerage firm, we are no longer obliged to prioritize the interests of our employer over those of our clients. We are confident that we can serve your needs much more effectively as an independent firm.

 

Over the last ten years, the technology available to independent firms has far surpassed earlier financial tools. Access to these advances enables us at Towerpoint Wealth to serve our clients with a wider and more advanced spectrum of worldwide, cutting-edge resources, eclipsing our previous capabilities. This open-architecture model frees us from the legacy systems to which we were previously captive, allowing us to leverage innovative technology on your behalf. Simply put, we believe this work environment minimizes conflicts between us and the needs of our clients. As Sacramento Independent financial advisors, we now work for ourselves, serving solely our clients and helping them improve their financial lives through integrated, transparent and more personalized solutions. Independent financial advisors >

What services do you provide, exactly?

Towerpoint Wealth seeks to provide clients financial peace of mind. The peace of mind from knowing their finances are properly coordinated and on the right track. Simply put, our Sacramento Financial Advisors help our clients make better financial decisions and take full advantage of the opportunities available to them.

 

Towerpoint Wealth clients leverage the myriad of wealth management services we offer, with the singular focus of achieving, and then maintaining, their financial independence, allowing them to live a better life while not worrying about money. Sacramento Wealth Management >

What is your approach to helping Towerpoint Wealth clients?

Towerpoint Wealth believes that money, in the purest sense of its form, is just a means to an end. And while having enough forms the cornerstone in helping clients achieve, and then maintain, the peace of mind that goes along with being financially independent, we firmly believe in a consultative process that begins with getting to know and learn about you, our client: your hopes, dreams, background, fears, motivations, and vision you have of your and your family’s future.

 

In other words, our Sacramento Financial Advisors sincerely want to know what makes you tick. Towerpoint Wealth Philosophy & Strategy >

Are you legally 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 regarding securities to individuals, as well as to institutional clients such as pension funds, non-profit organizations and corporations. These parties are 1.) investment advisors and 2.) investment brokers who work for brokers-dealer.

 

Many clients may consider the investment advice they receive from each party as similar, but there is a key difference that may not be completely understood by the investing public. The difference pertains to two competing standards that advisors and brokers must adhere to, and the distinction has important implications for individuals who hire outside financial assistance.

Ask a Question – Let’s Chat!

Complete this form to connect with one of our Sacramento financial advisors for a no-strings attached conversation, or for an objective, expert response to any financial questions or concerns you have

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TPW Client Reviews

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 G
MP G
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.
Molly Goldbar
Molly Goldbar
21:38 09 Aug 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!
David DeCarlo
David DeCarlo
17:14 05 Aug 21
Very professional, always available and willing to help whenever needed.
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!
Jack Brothers
Jack Brothers
00:51 27 Jul 21
Long-term results clearly demonstrate excellence regarding communications and technical competence. A great group of people, to boot!
Teri Brothers
Teri Brothers
00:33 27 Jul 21
Every person there is the best of the best and will do anything they can to assist you.
Robert Hartin
Robert Hartin
01:44 22 Jul 21
Joseph Eschleman has managed our portfolio for 15 years. Throughout our association he and the Towerpoint Wealth staff contact us regularly, questioning us about our personal situation and any financial concerns we may have. Discussion of our accounts with consideration to our age, risks, asset allocation, personal needs, tax implications and legacy are fully explored - something we always find to be most helpful. We know that Joseph and the entire Towerpoint Wealth team have our best personal and financial interests at heart in all matters. We appreciate their professionalism and integrity. We consider them part of our family.Robert and Susan Hartin
Thomas Gilbert
Thomas Gilbert
00:10 20 Jul 21
About 20 years ago I inherited a substantial portfolio from my father‘s estate. I knew I would need some help managing these accounts. Shortly there after I got a call from Joe Eschleman. While I don’t accept cold calls as a rule, something about his approach appealed to me, so I agreed to meet with him.It was one of the best financial decisions I’ve ever made.After listening to my thoughts and concerns, Joe proposed a strategy that was fairly conservative, in keeping with my wishes, but still had room for growth. I signed him up, and have never regretted doing so. Through all the years since then and all the vagaries of the economy in the markets, Joe has guided my investments with a sure hand and steady results. He has always kept me informed and up-to-date on where we stand, and been quick to respond to any questions or concerns I might have.The team at Towerpoint is always available, and I feel that we have a true partnership, not just a business relationship. I trust them all completely.I would recommend Joe and his team to anyone wanting help with their wealth management. It has been a very fruitful 20 years.Cres Gilbert and Natalie Thiele
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.
Beth Parvin
Beth Parvin
20:00 15 Jul 21
Joseph Eschleman has been our trusted financial advisor long before he started Towerpoint Wealth. We have come to know Joseph as a individual devoted to his family and his clients. Along with his team at Towerpoint Wealth, Joseph is able to provide superb guidance and customize options to meet 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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