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.
Is Social Security Disability Taxable? Everything You Need to Know for 2025
The answer is: it depends on your income, filing status, and other sources of income.
Trade Wars, Tariffs, and Navigating Market Risk
Recent news on tariffs and government job cuts has raised concerns about a possible trade war, resulting in a market pullback with the Nasdaq now near correction territory. While market swings are never pleasant, we believe it’s important to maintain perspective, especially when it comes to your long-term financial goals.
How to Retire Early: Your Comprehensive Guide to Financial Independence
It’s about achieving financial independence and gaining the freedom to live life on your own terms.
The Future of Social Security: What You Need to Know (and Why It’s NOT Going Away)
Social Security is not on the brink of disappearing, and both current and past administrations — including Trump’s — have acknowledged the importance of maintaining the program’s longevity.
6 Smart Tax Moves To Make Before Filing Your Taxes
Our latest episode “6 Smart Tax Moves To Make Before Filing Your Taxes” is designed to help you take charge of your financial future this tax season. In this episode, host Joseph Eschleman, CIMA®, President of Towerpoint Wealth,
What Is Modern Investing? A 2025 Guide for High-Net-Worth Individuals and Retirees
It’s a holistic system of investment decision making designed to generate positive returns while minimizing risk through diversification, data-driven analysis, and strategic asset allocation.
Stewards of Integrity: The Vital Role of Private Professional Fiduciaries
In this episode of A Wealth of Knowledge, we shine a spotlight on the vital and multifaceted role of private professional fiduciaries. Hosted by Joseph Eschleman, President of Towerpoint Wealth, this episode features
6 Smart Tax Moves to Make Before Filing Your Taxes
Tax season is fast approaching, and if you’re aiming to reduce your obligation to Uncle Sam in 2025, now is the time to get informed and take action. In our latest A Wealth of Knowledge podcast, we explore “6 Smart Tax Moves to Make Before Filing Your Taxes.”
How Is Asset Allocation Different From Diversification?
We’ll explain how asset allocation refers to choosing which kinds of investment products you use, across various asset classes, before layering in diversification strategy to reduce risk within each class.
Health Care & Your Retirement: Key Takeaways from Our Live Webinar
During this comprehensive workshop, we tackled the most pressing concerns about health care both before and during retirement, providing expert guidance to help you make informed decisions. Here’s a breakdown of what was discussed:
What is a 1099 Tax Form? What Investors Need to Know for a Smooth Tax Season
Tax season is here, and if you’re an investor, that means there’s something that should be on your radar — 1099 forms. Whether you’ve earned interest from bonds, dividends from stocks, or capital gains from your trading activity, the IRS wants to know about it.
Will Trump Actually Do Tariffs? What Investors and Business Owners Need to Know
As former President Donald Trump gears toward renewed economic oversight, it’s critical for high-net-worth individuals, retirees, business owners, and professionals facing major life transitions to understand the full scope and implications.
The Secure Act Impact on Inherited IRAs: 5 Things Every Fiduciary Must Know
Welcome to our 2025 edition of Fiduciary Focus! In this issue, we’re going to dive into the new Inherited IRA & Required Minimum Distribution (RMD) rules under SECURE Act 2.0 and their implications for fiduciaries managing trusts.
Trade Wars, Volatility, and Fear, Oh My!
“An Investment in Knowledge Pays the Best Interest” (Ben Franklin) A TOWERPOINT WEALTH SPECIAL MARKET UPDATE: MAY 22, 2019 Why does the back of our neck itch right now? The
Are You (Emotionally) Prepared for a Dream Retirement? Part 1
From a window high above Capitol Mall in downtown Sacramento, I oftentimes look out over two of Northern California’s great recreational treasures – the Sacramento River and the American River. Sacramento residents
Are You (Emotionally) Prepared for a Dream Retirement? Part 2 – Self identity in retirement
Most of us don’t give significant thought as to how our life and self-identity will really change once we retire. While we know how important financial planning for retirement is,
Top 5 Biases that Impact Investment Decisions
Our experienced and knowledgeable team at Towerpoint Wealth uses facts and logic rather than emotion to guide our clients through investment decisions. Too often, we see investors that do not
Preparing Your Children to be Financially Literate Adults
(and steer clear of your mistakes) As a wealth manager, it is very important I learn about and become intimate with clients’ short and long-term personal and financial goals as
Financial Complexities of a Longer Life
Download pdf Americans are living longer. That’s the good news. The bad news is that most people aren’t financially prepared. Many Baby Boomers will be in retirement for over 20
4 Financial Resolutions to Kick-Off 2018
You’ll Thank Yourself a Year from Now: Financial Resolutions With New Year’s right around the corner, it is the perfect time to make resolutions before the calendar flips to January 1.
1. The Negotiation
The Negotiation: Apparently, if you are a kid born around the Chrismukkah wintertime holidays, half-birthdays are important. Josephine, my ten and a half year old daughter, brought this to my attention just
2. Jobs
Jobs: Like most American households, the Eschlemans are regularly on the go with various activities and responsibilities, and while busy, try to lead satisfying and fulfilling and lives. However, one
3. Payday
Payday: As is true with all of our schedules, life can and will get in the way of our jobs regularly enough, and it is rare (but not completely unprecedented)
4. Save, Spend, Donate
Save, Spend, Donate OK. So Henry and Josephine now have the forum to earn, which logically then leads to the transition into the next lesson: what to do with it.
TPW Family Enjoys Afternoon on the Sacramento Brew Boat
The Towerpoint Wealth family enjoyed an afternoon of #teambuilding and camaraderie on the #sacramento river yesterday, taking a quick voyage up and back on the Sacramento Brew Boat to the iconic Virgin Sturgeon restaurant for lunch! Also, happy birthday to
TPW Pot Luck
The TPW crew enjoyed an enjoyable and “robust” teambuilding #potluck yesterday, highlighted by #grassfed #tritip marinated in Pearson’s Premium Bar Be Que sauce – y-u-m!! ????
The Great Disconnect
The U.S. econom – way down. The U.S. stock market – way up. Why the big disconnect? Click below to watch our President, Joseph F. Eschleman, CIMA, discuss that while longer-term stock market returns almost always have roots
TPW Boys Rafting Trip
Our President, Joseph Eschleman, Partner – Wealth Manager, Jonathan LaTurner, Director of Research and Analytics, Nathan Billigmeier, and Director of Tax and Financial Planning, Steve Pitchford, enjoyed a great day on the American River on Thursday,
Policy and Portfolio Impact of COVID-19
A Talk with Dr. Ben Bernanke, Former Chairman of the Federal Reserve Our President, Joseph Eschleman, was recently invited to sit on a conference call led by Ben Bernanke, former
It Hurts, & It’s Temporary – A Video Message to Our TPW Family
The abrupt rise of the coronavirus crisis has profoundly reshaped life here in America. Understanding the fear, concern, uncertainty, risk, and opportunity that are all currently intertwined, we highly encourage
TPW Team Visits Smash Room!
The entire Towerpoint Wealth team participated in their most unique (and savage!) teambuilding event to date at Smash Sacramento, letting loose and having fun in smashing old computer hardware, glass bottles,
Renewable Energy / Responsible Investing Dinner at Grange
A successful client event is usually a product of good people, delicious food and drink, and high-quality content and information, and we were fortunate to have all three last night!
ESG Team Visits Towerpoint Wealth
Understanding the impact that environmental, social, and governance (ESG) investing continues to have, and the growth it continues to experience, we have cultivated both our expertise and our local market
TPW Enjoys Ginger Elizabeth Chocolates!
During a rare casual Friday, the TPW family took an opportunity to indulge their sweet tooth, enjoying a smorgasbord of decadent Ginger Elizabeth chocolate confections! Chocolate chip cookies, Ginger’s classic square bonbons,
Wealth + Health Client Appreciation Event
It was a hit! We were fortunate to have 45 clients, colleagues, and friends join us for the Wealth + Health: The Ultimate Wellness Prescription event we hosted at The Vintage Monkey in Sacramento.
Charles Schwab Amplifying Your Value Workshop
Our President, Joseph Eschleman, attended a full-day workshop today held at the Hyatt Regency in Newport Beach, CA, and learned ways to best communicate and articulate the value Towerpoint Wealth brings to our clients and preferred network partners.
First annual Towerpoint Wealth Retreat a Hit!
The Towerpoint Wealth family enjoyed bonding together at our first annual TPW Retreat on Friday and Saturday morning. We had breakfast at Awful Annie’s in Auburn together. We hiked the Donner Summit Abandoned
Teen “Financial Forum” held at Towerpoint Wealth
Towerpoint Wealth hosted a one hour “Financial Forum” for four teenage extended family members of current TPW clients Rich and Robin Martin, “holding court” in a round-table discussion about money,
Towerpoint Wealth Hosts Ice Cream Social at Shriners Hospital
The Towerpoint Wealth family had a great time last week hosting an ice cream social for patients at the local Shriners Hospital for Children – Northern California. Understanding the adversity they are facing,
The GREED and FEAR Index – Greed Could Be Good? 05.26.2023
Michael Douglas won critical acclaim and the 1988 Academy Award for Best Actor in a Leading Role for playing him in Oliver Stone’s Wall Street. And whether you love or despise the notorious
The Debt Ceiling in America – Why it MATTERS! 05.03.2023
What’s the deal with the debt ceiling in America, and is it important for investors? A dramatically accelerated timeline for lawmakers to negotiate was established on Monday, as Treasury Secretary Janet
9 Tax Benefits of Real Estate Investing 04.21.2023
Most of us recognize that taking a diversified approach to investing is a sound philosophy. There are a myriad of different ways for investors to build and grow their net
A Bailout for Banks, Again? Well, Kind Of 03.24.2023
Following the deep wounds created by the still-fresh memory of the Global Financial Crisis (GFC) of 2007-2008, many are wondering if another bailout for banks is as regulators attempt to stave off a banking crisis
Investing Like The Best – Warren Buffett! 03.10.2023
Investing like the best is oftentimes simple, but not necessarily easy. It’s important to be prudent and disciplined, and one way to do this is to try to understand and embrace the
LIGHT THE BEAM: The Economic State of Downtown Sacramento 02.24.2023
If you’ve been to a Sacramento Kings home game this year at the Golden1 Center in downtown Sacramento during a game where the team emerges victorious, then you’ve certainly heard (and perhaps
Why Talking About Money is So Hard! 02.10.2023
Why is talking about money so hard? Be it with your spouse, partner, children, parents, friends, or colleagues, having conversations and talking about money can be stressful, and oftentimes loaded
6 Reasons Why Estate Planning is Important 01.27.2023
“I’ve got a will, I’m in good shape.” “I know why estate planning is important – I’ll get around to it soon.” Have you been putting off your estate planning?
Fortunately, the Market’s Past Performance in 2022 is No Guarantee of Future Results! 01.11.2023
As our clocks struck midnight this past Saturday, advancing from 2022 into 2023, many investors were eager to turn the page on what was a grinding, unsettled, and very difficult year in
Will Your Retirement Endure With the Passage of Secure (2.0)? 12.23.2022
Please click below for a special one minute holiday message from all of us at Towerpoint Wealth! While we’re wishing for peace, and working to help you coordinate all of your
Does Sacramento Housing Have You Drowsing? 12.02.2022
You’ve probably noticed, the Sacramento housing market is falling asleep! Understanding that real estate is an important part of the net worth of virtually all of our clients, and whether
Minimizing the Necessary Evils of Building Net Worth – Taxes and Investing Costs 11.18.2022
The markets, politics, and economy are uncontrollable and unpredictable. However, income taxes and investing costs, while unpleasant for sure, are omnipresent and forever. As you work to build and protect
The 2022 Midterm Election – Cause for a Market Correction? 11.05.2022
Many investors are asking: “If the (insert: REPUBLICANS or DEMOCRATS) win the 2022 midterm election, should I change my investment strategy?” Be it a bear, a bull, a donkey, or
Holding Cash is No Longer Trash! 10.10.2022
“Everybody’s doing something. We’ll do nothing!” – George Costanza, “The Pitch”, Seinfeld, Season 4, Episode 3 Holding cash in your investment portfolio, aka not investing it, is akin to “doing
With Inflation and Rates Sky High, Should You Consider Bonds to Buy? 09.23.2022
2022 is well on its way to being one of the worst years in modern history for bond (also known as fixed income) investors, ushering in the worst bond market returns since
