Helping you remove the hassle of properly coordinating all of your financial affairs, so you can live a happier life and enjoy retirement.
Wealth management is a comprehensive approach to growing and protecting your financial assets. It goes beyond just investing — it includes retirement planning, tax strategies, estate planning, risk management, and more. Financial planning is often a subset of this, focusing on specific goals like saving for retirement or buying a home.
As a fiduciary, we are legally and ethically obligated to act in your best interests at all times. That means transparency, objectivity, and putting your needs above all else — not commissions or hidden agendas.
We primarily serve:
– Retirees and pre-retirees
– Business owners preparing for a liquidity event
– Tech employees with equity compensation
– Individuals and families with $500K+ in investable assets
Our clients value a clear, coordinated plan and a trusted team to help execute it.
Our holistic wealth management services include:
– Investment Management
– Retirement & Income Planning
– Tax Planning & Coordination
– Estate & Legacy Planning
– Risk Management & Insurance Analysis
– Equity Compensation Strategies
We also work closely with your CPA, estate attorney, and other professionals to align everything under one roof.
We believe in a disciplined, long-term approach to investing. Our Investment Committee — made up of seasoned professionals — develops personalized portfolios based on evidence-based strategies and your individual goals.
We are a fee-only firm. That means we are compensated solely by our clients and never receive commissions. Our transparent pricing structure is based on a percentage of the assets we manage for you.
Yes, our minimum is typically $500K in investable assets. However, we also offer guidance for individuals who are close to that threshold and are serious about building long-term wealth.
We tailor communication to your preferences. Typically, we meet quarterly or semi-annually, and we’re always available for calls, emails, and in-person meetings as needed. You’ll also receive regular performance reports and timely financial updates.
Absolutely. We don’t just consider taxes — we actively plan for them. We coordinate with your CPA or tax preparer to help minimize tax liabilities and maximize after-tax wealth.
Three key things:
1. Fiduciary Commitment: Always acting in your best interest.
2. Team-Based Approach: You work with an entire team, not just one advisor.
3. Coordination Expertise: We integrate every aspect of your financial life to reduce friction and increase clarity.
We have decided to become independent for many reasons, the most central of which is you, our client. 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 our work environment minimizes conflicts between us and our clients. Because we are no longer employees of a large brokerage firm, we believe we have reduced the incentive we felt prioritize the interests of our employer over those of our clients.
We now work for ourselves and serve only you. This allows us to focus solely on serving clients and helping them improve their financial lives through integrated, transparent and more personalized solutions.
As an independent firm, we are free from corporate agendas we identified at large Wall Street banks and able to operate in the best interests of our clients. We may now cultivate more direct relationships with our clients because there is no middleman. As a Registered Investment Advisor (RIA), we are no longer held to the basic suitability standard for any client accounts; we are now legally held to the highest standard in the industry, the fiduciary standard.
Being independent gives us a greater level of agility and expands our ability to focus on what we do best: advocate for you with the highest level of attention and dedication to your needs. As Towerpoint Wealth, we are optimally positioned to help you achieve your goals with complete objectivity, transparency and expanded capabilities.
In the most important ways, our relationship with you will not change. I will continue to be there for you as your advisor no matter what your life brings. Lori McKinney and Nathan Billigmeier have joined me at my new firm and our team will continue to serve you with care as we have in the past.
My career goal has always been to be the first person my clients think of when they consider any aspect of their ultimate financial independence. To achieve this, I have always brought foresight and balance to my role as a financial advisor. The name Towerpoint Wealth is meant to encapsulate the fact that, as an independent advisor, our firm is now, in my view, ideally equipped to represent our clients as an autonomous, distinct and steadfast pillar of dedication. I lead my team in building trusted relationships with each of my clients, grounded in unwavering support and pragmatism, while also providing a guiding light in the pursuit of clients’ financial horizons.
The name Towerpoint also reflects my role as the point-person in constructing and fortifying my clients’ paths to financial stability and independence. I endeavor to create a blueprint for my clients that will lead them to the pinnacle of success. Like a tower, the finished product is both formidable and inspiring — strong enough to withstand the unexpected circumstances life presents while affording the opportunity to reap the benefits of strategic planning.
We have chosen Schwab Advisor Services as the primary custodian for all of our clients. Schwab Advisor Services is an affiliate of Charles Schwab & Co. Inc., and, with more than 25 years of experience working with independent investment advisors and more than $2 trillion in client assets, we believe it is the market leader in custodianship for professional wealth management firms like Towerpoint. Schwab also has exceptionally low debt levels, does no proprietary trading of its own firm capital and does not leverage its own corporate balance sheet. Schwab has the resources, expertise and tools to maintain and stay current with all aspects of recordkeeping and reporting, all in direct alignment with the latest compliance requirements; this allows us to focus on serving you.
As an RIA, Towerpoint Wealth promotes what we call the “Triangulation of Advice.” It means our advice is separated from both where your assets are held and where the products and services we use are created. Unlike large banks and brokerage firms, at which advice, custody, and products are all sourced from the same place, Towerpoint Wealth seeks to minimize these conflicts of interest by isolating each important consideration that influences our financial advice.
As an independent firm, we are free to work with any of the financial industry’s leading companies in order to provide a fully integrated plan designed to meet your sophisticated objectives and expectations. Unlike traditional wirehouse firms, we are not tied to a single provider so we are able to scour the financial environment to access the widest scope of resources available on our clients’ behalf, from institutional-asset-manager research to state of the art consolidated technology and reporting. We then leverage and customize those strategies and solutions to assure you a focused, boutique-level client experience.
Independence allows us — and you — many freedoms, one of which is the ability to choose from a long list of strategic partner organizations, not only to smooth your transition to working with Towerpoint but also to facilitate our management and operations. We’ve chosen the best. Simply put, we are independent but not alone.
Not at all. At Towerpoint Wealth, our process of managing your portfolio remains comprehensive and tailored to your specific needs. We will continue to meet face to face regularly (semi-annually for most of you), ensuring we are always acutely attuned to what is happening in your life — good, bad or otherwise. This allows us to feel mutually comfortable that any adjustments and refinements to your investments and to your overall financial plan are justified and in direct accordance with any changes that may occur, including uncontrollable economic, political or financial market events as well as alwaysevolving life and family circumstances.
Towerpoint offers a robust selection of client services, including cutting-edge online client access, lending, direct deposit, online bill pay, check writing, debit cards and credit cards. After reviewing these services with you, we will facilitate changes as needed.
Absolutely. As an SEC-registered investment advisor, we are subject to strict SEC rules mandating comprehensive recordkeeping and business conduct requirements, such as conflict-of-interest disclosures. We are also subject to the SEC’s oversight and inspection program. As a fiduciary, we are held to an even higher standard of trust, confidence and responsibility, with the legal obligation to follow prudent investor practices and to operate in the best interest of all our clients.
I will be in touch with you shortly with more information, including how we will complete the seamless transition of your assets. We are thrilled to introduce you to Towerpoint Wealth and look forward to continuing our productive relationship building toward a prosperous future for you and your family.
We have decided to become independent for many reasons, the most central of which is you, our client. 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 our work environment minimizes conflicts between us and our clients. Because we are no longer employees of a large brokerage firm, we believe we have reduced the incentive we felt prioritize the interests of our employer over those of our clients.
We now work for ourselves and serve only you. This allows us to focus solely on serving clients and helping them improve their financial lives through integrated, transparent and more personalized solutions.
As an independent firm, we are free from corporate agendas we identified at large Wall Street banks and able to operate in the best interests of our clients. We may now cultivate more direct relationships with our clients because there is no middleman. As a Registered Investment Advisor (RIA), we are no longer held to the basic suitability standard for any client accounts; we are now legally held to the highest standard in the industry, the fiduciary standard.
Being independent gives us a greater level of agility and expands our ability to focus on what we do best: advocate for you with the highest level of attention and dedication to your needs. As Towerpoint Wealth, we are optimally positioned to help you achieve your goals with complete objectivity, transparency and expanded capabilities.
In the most important ways, our relationship with you will not change. I will continue to be there for you as your advisor no matter what your life brings. Lori McKinney and Nathan Billigmeier have joined me at my new firm and our team will continue to serve you with care as we have in the past.
My career goal has always been to be the first person my clients think of when they consider any aspect of their ultimate financial independence. To achieve this, I have always brought foresight and balance to my role as a financial advisor. The name Towerpoint Wealth is meant to encapsulate the fact that, as an independent advisor, our firm is now, in my view, ideally equipped to represent our clients as an autonomous, distinct and steadfast pillar of dedication. I lead my team in building trusted relationships with each of my clients, grounded in unwavering support and pragmatism, while also providing a guiding light in the pursuit of clients’ financial horizons.
The name Towerpoint also reflects my role as the point-person in constructing and fortifying my clients’ paths to financial stability and independence. I endeavor to create a blueprint for my clients that will lead them to the pinnacle of success. Like a tower, the finished product is both formidable and inspiring—strong enough to withstand the unexpected circumstances life presents while affording the opportunity to reap the benefits of strategic planning.
We have chosen Schwab Advisor Services as the primary custodian for all of our clients. Schwab Advisor Services is an affiliate of Charles Schwab & Co. Inc., and, with more than 25 years of experience working with independent investment advisors and more than $2 trillion in client assets, we believe it is the market leader in custodianship for professional wealth management firms like Towerpoint. Schwab also has exceptionally low debt levels, does no proprietary trading of its own firm capital and does not leverage its own corporate balance sheet. Schwab has the resources, expertise and tools to maintain and stay current with all aspects of recordkeeping and reporting, all in direct alignment with the latest compliance requirements; this allows us to focus on serving you.
As an RIA, Towerpoint Wealth promotes what we call the “Triangulation of Advice.” It means our advice is separated from both where your assets are held and where the products and services we use are created. Unlike large banks and brokerage firms, at which advice, custody, and products are all sourced from the same place, Towerpoint Wealth seeks to minimize these conflicts of interest by isolating each important consideration that influences our financial advice.
As an independent firm, we are free to work with any of the financial industry’s leading companies in order to provide a fully integrated plan designed to meet your sophisticated objectives and expectations. Unlike traditional wirehouse firms, we are not tied to a single provider so we are able to scour the financial environment to access the widest scope of resources available on our clients’ behalf, from institutional-asset-manager research to state of the art consolidated technology and reporting. We then leverage and customize those strategies and solutions to assure you a focused, boutique-level client experience.
Independence allows us—and you—many freedoms, one of which is the ability to choose from a long list of strategic partner organizations, not only to smooth your transition to working with Towerpoint but also to facilitate our management and operations. We’ve chosen the best. Simply put, we are independent but not alone.
Not at all. At Towerpoint Wealth, our process of managing your portfolio remains comprehensive and tailored to your specific needs. We will continue to meet face to face regularly (semi-annually for most of you), ensuring we are always acutely attuned to what is happening in your life—good, bad or otherwise. This allows us to feel mutually comfortable that any adjustments and refinements to your investments and to your overall financial plan are justified and in direct accordance with any changes that may occur, including uncontrollable economic, political or financial market events as well as alwaysevolving life and family circumstances.
Towerpoint offers a robust selection of client services, including cutting-edge online client access, lending, direct deposit, online bill pay, check writing, debit cards and credit cards. After reviewing these services with you, we will facilitate changes as needed.
Absolutely. As an SEC-registered investment advisor, we are subject to strict SEC rules mandating comprehensive recordkeeping and business conduct requirements, such as conflict-of-interest disclosures. We are also subject to the SEC’s oversight and inspection program. As a fiduciary, we are held to an even higher standard of trust, confidence and responsibility, with the legal obligation to follow prudent investor practices and to operate in the best interest of all our clients.
I will be in touch with you shortly with more information, including how we will complete the seamless transition of your assets. We are thrilled to introduce you to Towerpoint Wealth and look forward to continuing our productive relationship building toward a prosperous future for you and your family.
The amount you need to retire comfortably depends on your lifestyle, expenses, and how long your retirement lasts, but many households target between 20–30 times their annual spending.
For example, if you plan to spend $120,000 per year, you may need $2.4M–$3.6M in invested assets. However, factors like Social Security, taxes, healthcare, and investment returns all play a major role in determining the actual number.
$2 million can be enough to retire for many individuals, but it depends on your spending needs, retirement age, and investment strategy.
A common rule of thumb is the 4% withdrawal rule, which would generate about $80,000 per year before taxes. For higher-income households or those with longer retirements, additional planning is often needed to ensure sustainability.
Sequence of return risk refers to the danger of experiencing poor investment returns early in retirement, which can significantly reduce how long your portfolio lasts.
Even if long-term returns average out, early losses combined with withdrawals can permanently impact your financial plan. This is why withdrawal strategy and portfolio structure are critical in retirement.
Reducing taxes in retirement involves strategically managing where your income comes from, including taxable accounts, tax-deferred accounts (like IRAs), and tax-free accounts (like Roth IRAs).
Strategies may include Roth conversions, tax-efficient withdrawals, and timing income to stay within favorable tax brackets.
The best time to start planning for retirement is as early as possible, ideally in your 20s or 30s.
However, even if you are within 5–10 years of retirement, proactive planning can still significantly improve outcomes by optimizing savings, tax strategies, and withdrawal plans.
Tax-efficient investing is the practice of structuring your investments to minimize the taxes you pay over time.
This includes asset location strategies, tax-loss harvesting, and managing capital gains to help improve your after-tax returns.
A financial advisor can help reduce taxes by coordinating investment strategy, retirement planning, and income distribution in a tax-aware way.
This often includes identifying opportunities for Roth conversions, managing capital gains, and aligning financial decisions with current and future tax laws.
Yes, high-income earners often benefit the most from financial planning because they typically face more complex tax situations, higher savings capacity, and greater long-term planning opportunities.
Without proper planning, they may miss opportunities to optimize taxes, investments, and retirement outcomes.
A Roth conversion involves moving money from a tax-deferred account (like a traditional IRA) into a Roth IRA, where future growth can be tax-free.
It often makes sense during lower-income years or before tax laws change, but it should be carefully evaluated to avoid unintended tax consequences.
Active investing involves selecting investments with the goal of outperforming the market, while passive investing aims to match market performance using index funds or ETFs.
Most portfolios use a combination of both approaches depending on goals, costs, and market conditions.
As you approach retirement, your investment strategy typically shifts to focus more on risk management, income generation, and preserving capital.
This often includes adjusting asset allocation and preparing for withdrawals rather than just long-term growth.
Diversification is the practice of spreading investments across different asset classes to reduce risk.
It helps protect your portfolio from being overly impacted by the poor performance of any single investment or sector.
A financial advisor helps you make decisions about your money, including investments, retirement planning, tax strategies, and long-term financial goals.
At Towerpoint, this includes building a comprehensive plan designed to align all aspects of your financial life.
You should consider hiring a financial advisor when your financial life becomes more complex or when you want help making confident decisions about your future.
This often includes major life transitions such as retirement, selling a business, or managing significant assets.
Hiring a financial advisor can be worth it if they provide value beyond investment management, such as tax planning, behavioral guidance, and long-term strategy.
For many individuals, the value comes from avoiding costly mistakes and having a coordinated plan.
A fiduciary is legally and ethically required to act in your best interest at all times.
This means providing advice that prioritizes your goals and financial well-being over commissions or incentives.
Towerpoint is an independent fiduciary firm focused on tax-efficient strategies, long-term planning, and personalized advice.
Unlike many firms, the focus is not just on managing investments, but on coordinating all aspects of your financial life to help you make more informed decisions.
Getting started begins with a conversation to understand your goals, current financial situation, and what you’re trying to achieve.
From there, we can determine if there’s a good fit and outline the next steps.
👉 Schedule a 20-minute “Ask Anything” conversation to get started.
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