Towerpoint Wealth team
As an independent firm, we are free from the corporate agendas we identified at large Wall Street banks and are able to operate solely 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, in providing services to all of our clients. Being a fully independent firm 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. At Towerpoint Wealth, we are optimally positioned to help you achieve your goals with complete objectivity, transparency, and expanded capabilities.
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 us, but also to facilitate our internal management and operations. We’ve partnered with some of the leading names in the wealth management industry – in other words, we are completely independent, but by no means alone.
Joseph Eschleman, CIMA®
As Towerpoint Wealth’s founder, Joseph has an impressive career of providing strategic planning and wealth management advice spanning more than 18 years. He possesses extensive training and experience in investment management as well as retirement income and wealth transfer planning for successful individuals who have worked hard to grow their personal net worth, growing businesses and their owners, corporate professionals, and retirees. With special expertise in long-term investment planning, Joseph brings his clients an array of solutions that are both reliable and innovative.
Joseph launched the Towerpoint Wealth team following a successful tenure as a Managing Director – Investment Officer, working in Wells Fargo Advisor’s Private Client Group office in Sacramento, California. His career began in 1999, working as a financial advisor with Prudential Securities, and following its acquisition in 2004, Joseph joined the new parent company, Wachovia Securities, as a Senior Vice President, where he continued to fulfill his commitment to strengthening and coordinating the financial lives of his clients.
Joseph graduated cum laude from Lehigh University with a Bachelor of Science degree from Lehigh’s College of Business and Economics in 1998. As a long-time member of the Investments and Wealth Institute (formerly IMCA), he officially earned the prestigious CIMA® or Certified Investment Management Analyst designation in 2003. In addition to maintaining his CIMA, Joseph’s professional licenses include:
- Uniform Investment Advisor – Series 65.
- California Department of Insurance.
In his career, Joseph was featured as “Money Man Joe” for eight years as a regular television guest for Sacramento’s primary ABC affiliate, KXTV News10. Addressing various investment planning, financial, and economic issues, Joseph regularly interfaced with anchors such as Dan Elliott, Keba Arnold, Christina Mendonza, and Walt Gray. He has also been interviewed on numerous occasions by Nannette Miranda of KGO-TV, San Francisco’s ABC affiliate, and has also spoken about various wealth management topics for a number of local agencies and organizations.
Joseph has proudly been married to his wife, Megan, for 18 years and the couple are proud parents of their thirteen-year-old daughter, Josephine, and ten-year-old son, Henry. The family lives in Curtis Park, a historic Sacramento neighborhood, and when he is not coaching his son’s youth baseball or basketball teams, Joseph enjoys working out, and running the beautiful off-road trails in the greater Sacramento area. He also is a huge sports fan, and regularly can be caught participating in, watching, or attending a baseball, basketball, or football game.
Jonathan W. LaTurner
Partner, Wealth Advisor
Jonathan has over a decade of experience in the financial services industry and serves a clientele which includes private fiduciaries, successful professionals and their families, non-profit organizations and corporations. Prior to joining Towerpoint Wealth, Jonathan was a part of Wells Fargo Advisors for 6 years. He also previously worked for First Citizens Bank where he gained experience in managing complex financial relationships. Jonathan earned his B.S. in Business Administration with a concentration in Finance from California State University at Sacramento and his M.B.A. from Drexel University’s LeBow College of Business.
Jonathan is guided by a set of core principles; he acts only in the best interest of his clients by providing objective and multi-faceted financial advice that is tailored to each client’s needs. Jonathan maintains the highest level of ethical and professional standards. He uses a transparent, straightforward approach to investing that begins with listening, which allows him to discern the client’s personal, business and philanthropic priorities. He then recommends a customized financial and investment strategy to address the client’s goals. Whether the outcome requires complex estate planning paired with tax management strategies, retirement plan analysis, investment related probate polices or wealth transfer strategies, Jonathan has the knowledge and experience to help achieve the right balance of risk and return for his clients.
Steve Pitchford, CPA, CFP®
Director of Tax and Financial Planning
Steve began working at Towerpoint Wealth in January of 2018, focusing on Towerpoint Wealth’s tax planning platform and also working closely with Towerpoint clients in developing, implementing, and monitoring their customized investment strategies and overall wealth management plans.
As a member of the firm’s tax and financial planning committees, Steve specifically advises clients on a myriad of tax planning issues, prepares internal and external tax content and recommendations, and works closely with clients’ tax professionals to ensure a conscious integration of portfolio management and tax minimization. On the financial planning side, he develops and prepares detailed financial and retirement plans to help clients achieve their goals.
Steve obtained his CPA or Certified Public Accountant license from the state of California in 2012, and also earned his CFP® or Certified Financial Planner designation in 2016. In addition to maintaining both his CPA and CFP®, Steve passed the Uniform Investment Advisor Law Examination in 2015 (the Series 65 examination) to become a Uniform Investment Advisor.
Steve began his career as a tax consultant for Deloitte in 2010, ultimately advancing to a senior consultant position within the firm. Having always had a passion for investing and with a desire to continue to work directly with individuals, Steve’s career transitioned to wealth management in 2013.
Steve is originally from the Bay Area. He attended the University of California, Davis where he graduated in 2010 with a Bachelor’s Degree in Economics and a minor in Managerial Economics. He also completed the Certificate of Advanced Accounting Proficiency through Santa Clara University’s Leavey School of Business in 2010.
In his free time, Steve enjoys adventuring in the outdoors (backpacking and hiking are his favorites), attending sporting events, playing guitar, and most importantly, spending time with his family and friends.
Nathan P. Billigmeier
Director of Research and Analytics
Nathan has been working in the financial services industry since 2002, bringing more than 15 years of experience to Towerpoint Wealth. He began his career as a teller for Wells Fargo Bank, and quickly advanced to the role of personal banker one year later. He transitioned to the wealth management and investment industry in 2010, where he interned as an analyst for Wells Fargo Advisors while completing his Bachelor of Science Degree.
Nathan started working with Joseph in October of 2011, and now manages Towerpoint Wealth’s investment research and technology platforms. In addition to coordinating client reporting and analytics, he is Towerpoint Wealth’s “tech guru,” assisting both staff and clients with any issue relating to computers, phones, tablets, email, software, and hardware. Nathan also spends time researching and consulting on the design and implementation of available investment products and solutions, including portfolio model management as well as strategic and tactical rebalancing. Nathan is a 2020 Level II Candidate in the CFA® Program.
Nathan is originally from Grass Valley, CA and graduated from Bear River High School in 2001. He attended California State University, Sacramento where he graduated in 2010 with a Bachelor’s Degree in Economics and a minor in Business Administration. He and his wife Jessica have been married since the summer of 2016, and proud parents of 2 year old baby son, Ethan. In his spare time Nathan enjoys golfing, camping, biking, running, and generally any activity that involves the outdoors.
James H. Keefe
Director of Client Experience
James brings broad experience and a strong desire to serve people to his position as Director of Client Experience at Towerpoint Wealth. After graduating from Providence College with a B.A. in American Studies, James worked in corporate real estate for CB Richard Ellis. He then returned to his alma mater, St. Sebastian’s School, where he taught, coached and advised. James transitioned into financial services and is coming up on seven years in the industry. He began working for a traditional firm with an emphasis on product sales but soon realized however that his personal values and investment philosophy were better aligned with a model of advising clients that upheld fiduciary standards at all times. In Towerpoint, James has found a company for which he can be proud to work, and where his efforts can be focused on serving the best interest of each client.
James lives in the Landpark neighborhood of Sacramento with his wife Hadley and two daughters Millie and Claire. When he isn’t working hard for Towerpoint, James enjoys hiking, biking, playing basketball, rooting for every Boston sports team, and relaxing in the backyard with his family and friends.
Lori A. Heppner
Director of Client Services
Lori comes to Towerpoint Wealth with almost 20 years of financial firm experience. She began her career in financial services in 1997 as a receptionist for Piper Jaffray, a full-service U.S. investment bank and asset management firm, and it did not take long for her to advance, as she was promoted to Branch Operations Specialist in 2000, handling the myriad of responsibilities associated with day-to-day branch operations.
She began working with Joseph as his assistant in 2004, tending to a wide variety of practice administration and client-centric issues. Lori’s professional background and experience in the wealth management business gives her a clear advantage when working directly with clients and helping them with their day to day service and administrative needs. In addition to being a commissioned notary, Lori directly assists clients with opening and updating client accounts, coordinating and reconciling client asset transfers, and manages Joseph’s professional calendar. She also is extremely experienced with the many nuances associated with estate settlement and administration, helps plan and assist with Towerpoint client appreciation events, and ensures that clients of Towerpoint Wealth experience continuity with a unique combination of personal and professional grace and attention.
Lori is a native Sacramentan, and graduated from Center High School in 1996. She married her high school sweetheart, Aaron, in 2015, and the couple lives in Elverta, California with her eleven-year-old step-daughter, Tayler, and two-year-old American Bull Dog, Bella. She enjoys spending time with her family and friends, going to the lake (either Almanor or Donner), swimming, hiking, reading, and painting.
Raquel York Jackson
Client Service Specialist
Raquel is the newest member of the Towerpoint Wealth family, coming on board in October of 2018 as our Client Service Specialist. With an extensive history in banking and administration, as well as customer relations, Raquel was the perfect addition to our existing culture here at Towerpoint.
Raquel started her career in banking in 1998 at Westamerica Bank’s headquarters in Suisun, California. Her career at Westamerica advanced quickly, and when she quickly promoted from a Direct Data Entry Operator to an Operations Supervisor, Raquel knew she found her niche in the banking and finance world. During her tenure with Westamerica Bank, Raquel also took on additional projects as a Business Analyst, and eventually moved into the role of Assistant Branch Manager. Raquel comes to Towerpoint Wealth with over 16 years of banking and management experience, coupled with 22 years of knowledge in administration and customer service. Raquel ventured into the modeling and entertainment world in 2011, when she was hired as the Assistant Executive Director for Barbizon Modeling of Sacramento. Traveling nationwide to help grow the business, Raquel later promoted to Barbizon’s Director of Education and Marketing. However, her career turned back to finance in 2015, when she received a call from an old colleague asking her to join her at Golden1 Credit Union. Raquel served three years as a Member Relationship Specialist and Lead for the Elk Grove Golden1 location.
In October of 2018, Raquel joined us at Towerpoint Wealth, commissioned with the responsibility of a myriad of client service and administrative needs, as well as presenting the positive first impression of Towerpoint Wealth in our downtown Sacramento headquarters. She energetically manages daily in‐office reception, greeting and ensuring the comfort of all Towerpoint Wealth clients and office visitors. Raquel also provides direct administrative support to Lori Heppner, Towerpoint’s Director of Client Services, as well as to all of the Firm’s advisors. She researches and responds to client service inquiries, handles daily operational requests, and is responsible for coordinating client account maintenance.
Raquel was raised in a military home, growing up on Travis Air Force Base in Fairfield, CA. She graduated from Vanden High School in 1996 and later attended Solano Community College. She relocated to Sacramento in 1999, starting a family and purchasing her first home. She met her life partner, David, a native Sacramentan, in 2007. In July of 2016 they welcomed their first child together, their daughter, Daijah. The couple lives in Elk Grove, CA, and have established a strong foundation for their blended family. They are proudly raising three daughters, Zaida, 17, Zenia, 13 and Daijah, 2. When she is not serving Towerpoint Wealth clients, Raquel enjoys spending time with her family and friends, cooking, entertaining, and being outdoors.