Financial Planning Process - Towerpoint Wealth

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About Us

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

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Your Personalized Financial Planning Experience

At Towerpoint Wealth, we understand that not everyone needs a financial advisor to walk with them every step of the way. But everyone can benefit from a clear, customized road map to financial freedom and success. Our structured financial planning process is designed to give you exactly that: personalized guidance rooted in your goals—not generic advice. Whether you’re looking for a one-time plan or ongoing insights, we’ll help you gain clarity, confidence, and control over your financial life. Using powerful tools like RightCapital®, we help you visualize your future and make smarter financial decisions

Tailored Guidance for Where You Are—and Where You’re Going

Who Is Our Financial Planning Built For?

At Towerpoint Wealth, we understand that not everyone needs a financial advisor to walk with them every step of the way. But everyone can benefit from a clear, customized road map to financial freedom and success. Our structured financial planning process is designed to give you exactly that: personalized guidance rooted in your goals—not generic advice. Whether you’re looking for a one-time plan or ongoing insights, we’ll help you gain clarity, confidence, and control over your financial life.

Using powerful tools like RightCapital®, we help you visualize your future and make smarter financial decisions

The Young Professional

You’re in your late 30s or early 40s, building a serious career and starting to see your hard work pay off. Maybe you’re contributing to your 401(k) or stock compensation plan, but you’re not entirely sure if you’re on the right path.

The Self-Starter

You’re financially confident and prefer to stay in control—but you value expert advice when it counts. You don’t need full-time support, just a clear roadmap and a trusted partner when questions arise.

The Life-in-Transition Planner

Big life changes bring big financial questions. Whether you’re starting a family, buying your first home, or leveling up in your career, your financial decisions now can shape your future in major ways.

The Retirement Prepper

You’re 5 to 10 years away from retirement—and it’s starting to feel real. You’ve saved consistently, but now you’re asking the big questions: Am I truly ready? What am I missing?

EASY 4-STEP SOLUTION

Our 4-Step Process to
Financial Success

STEP

01

Discovery Meeting

Understanding
What Matters Most

We take time to understand your personal and financial goals, uncover what matters most to you, and gather key facts about your financial life.

What are your values, goals, and lifestyle needs?

This includes identifying your risk tolerance, walking you through our planning process, and setting clear expectations for the journey ahead.

STEP

02

Collaboration Meeting

Creating Your Interactive
Financial Roadmap

Using RightCapital®, we develop a personalized model to project your cash flow, net worth, and retirement scenarios.

Project your cash flow and net worth over time. Evaluate retirement and estate scenarios. Run Monte Carlo simulations to stress test your plan.
You'll receive a clear, visual plan with real-time collaboration tools to help guide your decisions with confidence.

STEP

03

Plan Presentation Meeting

Turning Advice Into Action

Once your plan is finalized, we help execute each recommendation:

Align investment portfolios with your strategy. Coordinate with your CPA and estate attorney. Optimize insurance and risk management. Adjust retirement contributions and account structures.
We make sure your plan doesn’t just sit on a shelf, it gets to work.

STEP

04

Review/Implementation Meeting

Ongoing Support and Adjustments

Your life evolves, and so should your plan.

We schedule a 45-day follow-up after implementation, then meet twice a year to update your plan based on market trends, tax law changes, and life events.

These meetings ensure you remain on track and empowered to take thoughtful, informed action.

Powered by RightCapital® Financial Clarity, Not Complexity

We use RightCapital®, a powerful financial planning software, to make your plan real and relevant. You’ll have secure, interactive access to your personal financial dashboard anytime, with features including: Real-time retirement readiness score Budgeting and spending tools Scenario modeling for major life events Visuals for estate, insurance, and tax planning We use technology to simplify, not overwhelm your financial life.

Tailored Guidance for Where You Are—and Where You’re Going

Discover How We Can Build a Custom Financial Roadmap

Schedule a call

What Makes Our Approach Different?

We believe financial planning should feel empowering, not overwhelming. Our approach is designed to give you clarity and confidence, with advice that is 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 are preparing for retirement, managing concentrated equity, or simply seeking clarity, we are here to help.

RightCapital® Sample Financial Plan

This analysis uses Monte Carlo simulations to assess the likelihood of achieving long-term retirement goals, comparing current and proposed strategies while evaluating income, asset allocation, Social Security timing, taxes, and spending assumptions.

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