In this Thanksgiving edition of Trending Today, we’ll walk through a number of charitable giving.
Helping you remove the hassle of properly coordinating all of your financial affairs, so you can live a happier life and enjoy retirement.
Towerpoint Wealth provides expert financial guidance to clients nationwide, helping them build and secure their financial future.
States with active clients trusting our counsel and planning
Average years of experience for all TPW team members
Client partnerships built on trust, care, and coordination
At Towerpoint Wealth, we go beyond traditional financial advising and wealth management, we are your dedicated partners in building, protecting, and managing your wealth. As a fiduciary firm, we are legally and ethically committed to acting in your best interest, 100% of the time, providing coordinated, transparent, and highly personalized financial strategies tailored to your unique personal and financial goals. With deep expertise in wealth management, investment planning, retirement income, tax minimization, estate planning, and legacy preservation, we seek to instill in you a foundational, longer-term confidence, knowing that all of your financial affairs are properly coordinated.
We provide personalized financial strategies to help you grow, manage, and protect your wealth. From investment management and retirement planning to tax-efficient strategies and legacy planning, our expert team is dedicated to guiding you toward lasting financial success.
Learn to build a strong financial portfolio and reduce expenses with Towerpoint Wealth.
Towerpoint Wealth partners with experts in real estate, tax, money and estate planning.
Towerpoint Wealth helps optimize RSUs and stock options, reducing tax impacts.
We work with our clients to create a personalized retirement plan.
Align your portfolio and financial strategy with your values through ESG investing and charitable giving.
To take care of your family now and after you are gone, you may need a financial advisor and estate planning.
We believe financial planning should feel empowering—not overwhelming.
Our approach is designed to give you clarity and confidence, with advice that’s
always in your best interest.
• Transparent and educational
• Personalized to your specific life and goals
• Rooted in fiduciary responsibility—your best interests always come first
• Delivered by a boutique, relationship-first advisory team
Whether you’re preparing for retirement, managing concentrated equity, or just
seeking clarity, we’re here to help.
Searching for retirement planning near you in San Francisco? Whether you’re preparing for your next career move, approaching your ideal retirement date, or already navigating the transition into retirement, Towerpoint Wealth offers personalized, fiduciary advice that puts your best interests first.
As a San Francisco wealth management firm, we specialize in helping individuals, couples, business owners, and professional athletes across the San Francisco region define their retirement goals, protect their assets, and design sustainable strategies for long-term financial security.
Your financial future deserves more than a general plan. You need a retirement roadmap designed by a dedicated advisor, supported by data, and focused on the decisions that matter most, right here in San Francisco.
Let’s talk about what retirement looks like for you in San Francisco.
Your lifestyle shouldn’t stop when your paycheck does. That’s why our retirement planning services in San Francisco begin with building reliable, flexible income strategies tailored for San Francisco professionals, retirees, and families.
Our approach includes:
Cash flow modeling and “bucket” income planning
Managing sequence-of-return risk
Coordinating income from Social Security, pensions, and investments
Social Security & Pension Strategy Tailored for San Francisco Retirees
Social Security and pension decisions are permanent and directly affect your long-term income in retirement. We assist San Francisco clients in:
Optimizing CalPERS, CalSTRS, and private pension benefits
Timing benefits for maximum impact
Integrating income streams for tax efficiency and sustainability
Whether you’re preparing to retire in September, five years from now, or already receiving benefits, we guide San Francisco residents through every step with clarity and confidence.
If you’ve built your career in San Francisco, chances are your retirement accounts are tied to local employers or state agencies. We help you:
Execute tax-smart rollovers and account consolidation
Choose between Roth and Traditional account strategies
Time distributions based on your personal retirement date and income needs
Our San Francisco retirement planning clients gain access to proactive guidance and expert coordination—so your investments align with your life, not just the market.
Your financial planning needs don’t end once you retire—they shift. At Towerpoint Wealth, we work with San Francisco retirees to build sustainable withdrawal plans that are both tax-smart and aligned with your lifestyle.
We help you:
Execute Roth IRA conversions at the right time
Optimize your tax brackets across decades
Plan asset locations based on income flow and risk
With proper planning, San Francisco residents can keep more of their retirement income and reduce tax surprises.
Your retirement plan should work in harmony with your broader financial life. That’s why our San Francisco financial planning services are fully integrated with your retirement goals.
Every plan we design includes:
Long-term goal setting and financial milestone tracking
Net worth and liability analysis for San Francisco residents
Risk management through insurance, estate, and healthcare planning
Charitable giving and multigenerational wealth strategies
In a city like San Francisco, life changes quickly. Our team provides regular financial planning reviews and adjustments tailored to your needs, including:
Annual income strategy reassessments
Adjustments to reflect updated tax laws and regulations
Life-event responsive planning for San Francisco families, like career changes, relocations, or unexpected windfalls
Retirement Planning in San Francisco for Professionals and Business Owners
If you’re a San Francisco business owner, your exit and succession plan is key to your retirement. We help clients in San Francisco area and beyond:
Develop exit strategies that reflect both your business and retirement goals
Prepare for the sale or purchase of a business with expert coordination
Plan post-sale income, taxes, and investment structures
Let Towerpoint Wealth help you turn your San Francisco business success into a secure retirement.
We serve professional athletes in San Francisco, from NBA players and Olympians to MLB hopefuls, who need custom financial and retirement strategies early in life. We help athletes:
Manage early-career earnings and build long-term wealth
Prepare for post-sport transitions with clarity
Preserve financial security for decades beyond their final game
Whether you’re based in San Francisco or call it home during the off-season, we help you plan like a pro.
As a fiduciary, fee-based firm headquartered in Sacramento, we act with only one agenda: yours.
That means:
No commissions or product pushing
A dedicated, San Francisco advisor serving your unique needs
Financial planning built around your goals, not someone else’s
Our clients trust us to deliver clarity, objectivity, and long-term accountability, because we live and work where you do.
Towerpoint Wealth combines deep local relationships with national expertise. We’ve been featured in Barron’s, discussed our perspective on the firm’s podcast, and contributed to leading financial press.
We serve retirees, families, and executives across the San Francisco metro, while also working with clients throughout California and across America.
“Megan’s management of our retirement fund has brought us a sense of comfort for the first time ever. The rate of growth ‘ticked up’ faster than what our previous fund managers delivered. And yes, this ‘could be market timing’. But the thoughtful manner where Megan took the time and effort to explain her forecast was quite unique and comforting. Also as thorough as we had ever experienced previously. We know there are no guarantees…in the market or in life. But in both scenarios, applying well thought out strategies and plans is sure to be far superior to a passive approach.”
— Lee W. Miller
Our advisory services help San Francisco residents make smarter financial decisions before and during retirement. You’ll work with a dedicated advisor who:
Understands the local economy, labor market, and cost of living
Knows how to manage assets for San Francisco’s unique financial environment
Designs plans tailored to your family’s needs and long-term goals
We help clients pursue retirement with confidence, using:
Strategic retirement planning and income design
Tax-efficient investment strategy and distribution timing
Portfolio construction based on your goals and risk profile
Charitable, estate, and legacy planning
If you’re searching for “retirement planning near me in San Francisco”, this is your opportunity to take the next step. Whether you’re still working, newly retired, or simply want to gain clarity on your path forward, we’re here to help.
Schedule Your Appointment with a Financial Advisor
The cost of retirement planning can vary depending on the advisor’s fee structure, the complexity of your financial situation, and the level of service provided. Many fiduciary firms, like Towerpoint Wealth, operate on a transparent, fee-based model, typically charging a percentage of assets under management or a flat planning fee. What matters most is ensuring you’re receiving personalized, objective advice that aligns with your long-term retirement goals and best interests.
The “$1,000 a month rule” is a general guideline suggesting that for every $1,000 of monthly income you want in retirement, you should aim to save approximately $240,000. This rule is based on a 5% annual withdrawal rate and is meant to help estimate how much you need to accumulate for your desired lifestyle. While it offers a simple starting point, personalized planning is essential to account for taxes, inflation, longevity, and other variables.
Stay in the loop on upcoming mixers, educational events, and key
updates from the Towerpoint Fiduciary Team.
Hear from clients who have trusted Towerpoint Wealth to guide them toward financial independence. Their stories reflect the personalized strategies, expert guidance, and lasting relationships that set us apart.
“Megan's management of our retirement fund has brought us a sense of comfort for the first time ever. The rate of growth 'ticked up' faster than what our previous fund managers delivered. And yes... ”
At Towerpoint Wealth, we are committed to helping you protect, grow, and simplify your financial life with expert, fiduciary-driven wealth management. Whether you're seeking investment guidance, retirement planning, or a comprehensive financial strategy, our team is here to support you.
While based in Sacramento, California, we proudly serve clients across Northern California and throughout the United States.
At Towerpoint Wealth, our team of experienced professionals is committed to guiding you toward financial success. With a client-first approach, we combine expertise, integrity, and personalized care to provide comprehensive wealth management solutions tailored to your unique needs.
In this Thanksgiving edition of Trending Today, we’ll walk through a number of charitable giving.
Which Approach Builds Long‑Term Wealth? In today’s unpredictable financial markets and stock market environments, investors.
Understanding Strategic Asset Allocation Strategic asset allocation refers to a long‑term investment strategy in which an investor.
Many investors dream of perfect timing — buying right before the market soars, and selling.
