What Does High Net Worth Financial Planning Look Like?
High net-worth financial planning is an essential aspect of managing the significant wealth that high net-worth individuals (HNWIs) and ultra-high net worth individuals (UHNWIs) possess. With assets ranging from $1 million to billions,
What Does a Wealth Manager Do? A Guide for High-Net-Worth Individuals
Today’s wealth managers serve as more than just investment professionals. They are strategic advisors who provide comprehensive financial advice across every dimension of a client’s financial picture.
How to Choose a Wealth Manager: A 7 Step Guide for High-Net-Worth Investors
The right private wealth manager will do more than manage your investment portfolio—they’ll serve as a trusted partner in crafting an investment plan tailored to your financial situation and goals.
Revocable vs Irrevocable Trust: Which Structure Best Reduces Estate Taxes and Protects Your Legacy?
Estate planning isn’t just about distributing assets, it’s about preserving your legacy, protecting beneficiaries, and optimizing tax outcomes.
Fiduciary vs. Broker: Why Independent Wealth Management Firms Stand Apart
We’ll explore the benefits of independent wealth management — what sets it apart, what it means for you as an investor, and why so many people just like you are choosing this type of professional partnership when working to build lasting financial security.
What Happens to Your 401k When You Leave a Job?
Whether you’re starting a new job, retiring or just taking time off, you need to know your options. Your 401(k) – often part of an employer-sponsored plan – is years of savings and discipline. Make the right moves now and you can protect your vested balance and align your assets with your future goals.
How Can Social Security Help with Estate Planning; Strategic Insights for High-Net-Worth Individuals
For those going through the estate planning process, Social Security is more than monthly checks, it’s strategic opportunities to support liquid assets, balance taxable and non-taxable income and create financial continuity for surviving spouses or certain family members.
How to Recession-Proof Your Portfolio in 2025: Five Strategies for Smart Investors
We’ll walk you through five proven strategies to help recession-proof your portfolio. Whether you’re already worrying about the impact of today’s economy or simply want to be proactive, these strategies are designed to help you manage risk, stay focused, and uncover opportunity — even when headlines say otherwise.
How to Set and Achieve Your Long Term Financial Goals
Long term financial goals are about more than building wealth, they’re about building a life of purpose, confidence, and intentionality.
The Tariff Tantrum and the Benefits of Bonds
At Towerpoint Wealth, what we do know is this: uncertainty tends to push investors toward safety. And fortunately, if you are a client of the firm, you have a significant “dose” of defensive assets comprising your portfolio.
Why Should Creating an Emergency Fund Be a Top Priority in 2025
Whether you’re a professional navigating career changes, a retiree on a fixed income or a business owner managing volatile cash flow, having enough money in a separate savings account, even a small amount, means you can weather the storms without derailing your financial plan.
Taxes and Investing: How to Build a Tax-Efficient Portfolio
When it comes to investing, many people focus on maximizing returns — finding the right investments, properly diversifying their portfolios, and shrugging off shorter-term market noise. But there’s one factor that can quietly eat away at those gains if not managed properly: TAXES.
Is It Better to File Taxes Jointly or Separately?
This article explores the nuances of married filing jointly vs married filing separately, helping you decide whether to file jointly or separately.
How to Account for Inflation in Retirement Planning: Strategies to Safeguard Your Future
At Towerpoint Wealth, we are committed to helping clients protect their purchasing power and secure a reliable fixed income stream, even when inflationary periods challenge everyday costs.
The 2025 Sacramento Real Estate Market: What’s Changing and How to Stay Ahead
Sacramento remains a prime destination for rental demand and long-term real estate investment potential. But with higher mortgage rates, shifting market conditions, and new real estate laws, investors must be more strategic than ever.
Digital Security Basics : Working from Home: 10.03.2020
Since the start of the COVID-19 pandemic, millions of workers have begun to work from home. Before this massive transition to remote work, Americans spent an average of 6.42 hours on
Gold : 24 Karat Shine or Pyrite for Your Portfolio? 06.02.2020
From ancient civilizations to modern society, humans have always had a fascination with gold. The yellow metal has been used as currency, as jewelry and incorporated within various other industrial
2018 Tax Planning Considerations 01.16.2018
By Steve Pitchford, Director of Tax and Portfolio Planning: Tax Cuts: 2018 Tax Planning Considerations The Tax Cuts and Jobs Act (TCJA) of 2017 is the most significant amendment to
Cryptocurrency future | Why Crypto is Here to Stay and Not Going Away 09.23.2022
In this video, Towerpoint Wealth’s president and Sacramento wealth manager Joseph Eschleman addresses the following: Common concerns about the cryptocurrency future, and why we believe that crypto is here to stay and not
Webinar on alternative investments 09.23.2022
For virtually all investors, 2022 has been a challenging and frustrating year. Persistently high inflation has resulted in an environment of quickly rising interest rates, leading to a “double-whammy” of
Duty of Fiduciary Financial Advisor 08.03.2022
What is the definition of a fiduciary financial advisor, and why should you care? Here are 3 common considerations when deciding whether to partner with a fiduciary. Duty of a
Avoid Probate by developing an estate plan 05.10.2022
This post focuses on the benefits of developing an estate plan to avoid probate and assure your assets are distributed according to your wishes and in a timely fashion. What
Maximize the money your 401k and IRA beneficiaries inherit video 04.19.2022
Who should you name as the 401k beneficiaries of your pre-tax retirement accounts, and why? You are working on your estate plan, filling out your estate planning documents, and trying
How Restricted Stock Units Work | What are RSUs? | Video 04.08.2022
Restricted Stock Units | If you’re wondering how restricted stock units work, what is stock compensation, what are RSUs or what the taxation of restricted stock units looks like, we’re
The Build Back Better Bill Tax Changes! 12.17.2021
What are the key provisions of the BBB bill, and what are the looming potential tax increases and decreases? ✅ Are you confused about the key provisions of the Build
Are You REALLY a Long Term Investor?? 10.26.2021
Successful Long Term Investing Strategies for Successful Long Term Investors Are you really a long term investor? Or do you just say you are a long term investor but behave
The Bipartisan Infrastructure Bill and the $3.5 Trillion Infrastructure Bill 10.01.2021
Are Federal Income Tax Increases Looming? Our elected officials in Washington DC are working diligently to pass a $1.2 trillion bipartisan infrastructure bill, and also a much larger $3.5 trillion human infrastructure bill. Click
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.)
Employee Stock Purchase Plan 04.21.2021
What is an Employee Stock Purchase Plan? Employee Stock Purchase Plan | If you are an employee of a publicly traded company, it most likely offers an employee stock purchase
Trading vs. Investing 04.15.2021
Trading vs. Investing | These two terms Trading vs. Investing are often used interchangeably by many, understanding the goal of both is to generate profit in the stock market. However,
Coinbase | Largest cryptocurrency exchange 04.15.2021
Today, Coinbase Global Inc., the largest cryptocurrency exchange platform in the U.S., went public on the Nasdaq exchange via a direct listing under the ticker symbol COIN. Coinbase is the
Home Office Deduction 04.02.21
Like many workers during the pandemic, you went from a somewhat quiet office to your tiny home “office” where you couldn’t escape your noisy kids and barking dog. With Tax
401(k) Loans 03.31.01
401(k) Loans | You’ve recently made some money in the stock market and interest rates are still low, so you decide it is the perfect time to buy a home.
President Joseph Eschleman Cited As Expert
Our President, Joseph Eschleman, recently penned a white paper for Towerpoint Wealth that discussed 14 different strategies to consider during the coronavirus crisis. Joseph was cited as an expert by MutualFunds.com for his work
Steve Pitchford Cited As Expert, Published on MutualFunds.com
Our Director of Tax and Financial Planning, Steve Pitchford, recently penned a white paper for Towerpoint Wealth that focuses on strategies to manage the risk and income tax consequences of owing
President Joseph Eschleman Interviewed by Diamond Consultants
The ability to freely and creatively communicate with clients has proven to be critical during the COVID-19 crisis. And it is this freedom that served as one of the primary
President Jospeh Eschleman Featured in AdvisorHub
Towerpoint Wealth’s President, Joseph Eschleman, was featured in AdvisorHub on Tuesday in an article penned by AdvisorHub’s publisher and CEO, Tony Sirianni. Tony has been asking top advisors from leading wealth management firms their opinions
Towerpoint Wealth Featured in CityWire RIA
Six Advisors’ Highs and Lows of Working From Home With the spread of coronavirus continuing to keep many Americans away from the office, we spoke to six advisors to find
Introducing James Keefe – Towerpoint Wealth’s new Director of Client Experience
Sacramento, CA- Based Wealth Management Firm, Towerpoint Wealth, Adds James Keefe as Director of Client Experience SACRAMENTO, CA ——Towerpoint Wealth is pleased to announce that the firm has added James Keefe
President Joseph F. Eschleman Profiled in CityWire RIA Magazine
Our President, Joseph Eschleman was featured in the September 30, 2019 issue of RIA Magazine, a very popular and widely-read wealth management industry periodical. Joseph spoke about Towerpoint Wealth’s investment and wealth management
President Joseph Eschleman Featured in Financial Advisor IQ Article About Tech Employees
Our President, Joseph F. Eschleman, CIMA®, was featured in this month’s Here’s How You Win Hundreds of Prospective Tech Millionaires From the Wall Street Firms article in Financial Advisor IQ magazine. Along with Towerpoint Wealth, Joseph
TPW’s Director of Client Services, Lori Heppner, Featured in Financial Planning Magazine
Our Director of Client Services, Lori Heppner, was featured in this month’s the “Most Outrageous Client Requests” article in Financial Planning magazine. She was published for her “interesting” story about helping a client
President Joseph Eschleman published in the Sacramento Business Journal
We were very pleased to see our Joseph Eschleman, Joseph Eschleman, have his article about year-end charitable giving published in the Sacramento Business Journal last month.
Jonathan LaTurner
Towerpoint Wealth, part of the Dynasty Financial Partners’ network of advisory firms, says Jonathan LaTurner has moved to it from Wells Fargo Advisors in Sacramento, where he has managed about $50 million
Introducing Jonathan LaTurner – New Partner, Wealth Advisor
Sacramento, CA- Based Financial Advisory Firm, Towerpoint Wealth, Expands with the Addition of Advisor Jonathan LaTurner Mr. LaTurner Provides a Specialty Focus on Professional Private Fiduciaries NEW YORK, NY —September 5,
The Towerpoint Wealth Minute
Towerpoint Wealth’s President, Joseph Eschleman, prepared to head to the airwaves on Friday, as he began recordings for the “The Towerpoint Wealth Minute,” 60 second radio updates highlighting various financial
A Financial Planner’s Advice for Surviving the Wall Street Rollercoaster
Financial Planner’s Advice: Towerpoint Wealth’s president, Joseph Eschleman, was the featured guest yesterday in reporter Ali Wolf’s Fox40 story about how to survive the recent stock market volatility. Eschleman and
Towerpoint Teams Up With Dynasty as Independent RIA
July 26, 2017, Towerpoint Teams Up With Dynasty as Independent RIA Though California’s Bay Area is riddled with RIAs, Sacramento, the state’s “rapidlygrowing” capital, is not. Towerpoint Wealth’s recent inception
TPW Spring Social Mixer 05.07.2023
A fun and prominent group of Sacramento-area financial advisors, professional fiduciaries, CPAs, EAs, mortgage brokers, wealth managers, bankers, and attorneys gathered for Towerpoint Wealth’s 1st annual TPW Spring Social Mixer.
Towerpoint Wealth Team Learn CPR and First Aid 02.10.2023
Recently the Towerpoint Wealth team headed to Folsom for our quarterly teambuilding day. We had the pleasure of learning CPR as well as the importance of knowing how to provide
Tax Relief for Californians Impacted by Winter Storms 1.20.2023
Californians impacted by this year’s winter storms are now eligible to claim a deduction for a disaster loss and will have more time to file their taxes. Resources include: Call us (916-405-9140)
Megan Keeping Her Professional Saw Sharp! 1.11.2023
Our new Associate Wealth Advisor, Megan Miller, EA, has not wasted any time diving into coordinating the myriad of professional responsibilities that goes with the territory, most recently attending First
Michelle Hard at Work 12.10.2022
Our wonderful Client Service Specialist, Michelle Venezia, took time out of her schedule on Monday morning to do an on-site document notarization for two very good Towerpoint Wealth clients, Jeff and
TPW Representing at the 2022 Schwab IMPACT Conference! 11.04.2022
After two years of having to host the conference virtually, the 2022 Schwab IMPACT conference, aka the “World Series of Investment Conferences,“ is in full effect in Denver, CO! Among the
The Continued Due Diligence of the Towerpoint Wealth Investment Committee 09.27.2022
Our Director of Research and Analytics and TPW Investment Committee member, Nathan Billigmeier, spent an productive hour-long meeting yesterday with Lance Oman, CFA and Chris Murphy, CIMA® of T. Rowe Price, discussing specific ideas and strategies to help
Towerpoint and Terry Tomato! 08.17.2022
Our President, Joseph Eschleman, connected for a comprehensive financial review meeting earlier today with an excellent long-time client (and gardener), Terry Eager. Terry and Joseph have worked together for many
Community Volunteer Day 07.19.2022
The entire Towerpoint Wealth Team came out on Community Volunteer Day to lend a hand to the American River Parkway Foundation program to clean up trash along Sacramento’s urban gem. Spanning 23
Great Job Michelle! #500 Peleton Ride 07.20.2022
Perseverance is the name of the game for Michelle Venezia, TPW’s Client Service Specialist —in all ways! Getting stronger every day, she recently achieved milestone ride #500 on her Peloton bike.
Keeping Uncle Sam at Bay over a Crisp Chardonnay! 06.23.2022
Our President, Joseph Eschleman, connected for a glass of wine with Catherine Tindall, CPA, to collaborate about tax minimization, portfolio and wealth management, the current state of the US economy,
TPW Marketing Meeting of the Minds! 06.9.2022
No time was wasted in introducing our new Marketing Specialist, Luis Barrera, to the rest of the Towerpoint Wealth marketing team (from left, Joseph Eschleman, Niki Dawson of TaylorMade Web Creations, Robin Martin
Our President, a MIT Grad??!! 05.18.2022
Our President, Joseph Eschleman, spent an intensive three days last week at the Massachusetts Institute of Technology, learning (and practicing) how to be a better leader and CEO as an invitee and
It’s a Family Affair at TPW, Part II! 05.22.2022
It felt like a Billigmeier family reunion at Towerpoint Wealth, as Marc and Glenda, two good TPW clients, flanked Nathan, our Director of Research and Analytics, before their comprehensive financial,
It’s a Family Affair at TPW! 02.17.2022
Earlier this week, our Director of Tax and Financial Planning, Steve Pitchford, got to spend some “extra time” with his sister, Michelle, here at TPW’s headquarters. BOTH of them are
Don’t Let Taxes Take the Gains: Year-End Strategies for Smart Investors
Managing Capital Gains Distributions from Mutual Funds and ETFs As the end of the year approaches, many investors may find themselves surprised by an unwelcome addition to their year-end taxes:
New Chips on the Block: Nvidia’s Dow Debut
What It Means for Investors and the Future of the Dow Jones Industrial Average Index The Dow Jones Industrial Average (DJIA), or “The Dow,” is a popular and widely-followed stock
A Looming Tax Problem Ahead: Are You Prepared?
Preparing for the Tax Cuts and Jobs Act (TCJA) Expiration at the end of 2025 and Its Impact on Taxes The clock is ticking on one of the most significant
Trick or Treat? Can GOLD Be Beat in 2024?
Welcome to the Halloween edition of Trending Today! While this spooky season is often about tricks, treats, and eerie surprises, when it comes to investing, the real question is whether
What You Missed at Future Proof 2024: Innovative New Financial Trends
Future-Proofing YOUR Wealth: TPW’s Key Takeaways from the FutureProof 2024 Wealth Management Festival! At Towerpoint Wealth, a cornerstone of our firm’s philosophy is continued professional development, growth, and innovation, and
How do Interest Rates Affect the Stock Market?
How the Change in Current Federal Interest Rates Could Affect YOU? The impact of interest rates on stocks is significant! Interest rate cuts can signal a shift in the financial
Retirement Planning Simplified: Our Top Tips for Self-Employed and Small Business Retirement Plans 09.06.2024
Calling all entrepreneurs! Transform your small business into a wealth-building machine by leveraging the best small business retirement plan designed to benefit both you and your employees! Choosing the right
Proposed Tax Changes 2024: What Investors Should Know 08.23.2024
Harris vs. Trump: 2024’s Election TAX Impact on You! With only two and a half months separating us from the result of the upcoming 2024 US presidential election, it has
What’s Next for ESG Investing? 5 Emerging Trends for Socially Responsible Investors 08.09.2024
If you have been paying attention to finance and politics over the past two years, you are probably aware that ESG (environmental, social, governance) investing has found itself in the
The Price of Panic: How Loss Aversion Can Amplify Investment Losses 07.26.2024
If you had the option between a guaranteed $100 and a coin toss for $200, what would you pick? Our bet is you’d pick the surefire cash, although the mathematical
Will the Magnificent 7 Stocks REMAIN Magnificent Throughout 2024?
Updated October 24, 2024 -Different industries have their own top players, and in the tech industry, there’s a standout group of powerful high-performers in the sector, known as the Magnificent
Inflation Throughout the Years – Paying the HIDDEN Tax! 06.27.2024
Are you terrified? If you’ve been paying attention to the world’s economic landscape right now, you might be. With unprecedented inflation throughout the years, coupled with the political uncertainty surrounding
9 Special Money Rules on an Index Card 05.16.2024
Back in 2013, during an interview with Helaine Olen, University of Chicago social scientist Harold Pollack said, “The best financial advice for most people would fit on an index card.”
Your Essential Newsletter for Trust Administration and More 04.10.2024
Introducing Fiduciary Focus, Towerpoint Wealth’s new newsletter for the fiduciary community. Welcome to the first edition of Towerpoint Wealth’s Fiduciary Group’s Newsletter – Fiduciary Focus. Our growing team is excited to
The Top 6 2024 Tax Season Questions, Answered! 02.23.2024
It’s that time – the 2024 tax season is upon us! As we embark on the 2024 tax season, many individuals and businesses are gearing up to tackle their financial
