9 Special Money Rules on an Index Card 05.16.2024
Back in 2013, during an interview with Helaine Olen, University of Chicago social scientist Harold Pollack said, “The best financial advice for most people would fit on an index card.”
Will you have enough money to retire? 05.03.2024
4 Reasons You Might Fall Short of Your Retirement Plan When you find yourself daydreaming about retirement, does your dream retirement entail traveling the world? Dedicating time to beloved hobbies?
Your Essential Newsletter for Trust Administration and More 04.10.2024
Introducing Fiduciary Focus, Towerpoint Wealth’s new newsletter for the fiduciary community. Welcome to the first edition of Towerpoint Wealth’s Fiduciary Group’s Newsletter – Fiduciary Focus. Our growing team is excited to
Navigating the 2024 Tax Season: Your Top 6 Questions, Answered! Season 2, Episode 1
Welcome to the Season 2 premiere of “A Wealth of Knowledge,” where we’re plunging into the depths of wealth management to equip you with indispensable guidance and expertise for safeguarding
The Top 6 2024 Tax Season Questions, Answered! 02.23.2024
It’s that time – the 2024 tax season is upon us! As we embark on the 2024 tax season, many individuals and businesses are gearing up to tackle their financial
Real Estate Investing From Properties to Profits, Part One 01.25.2024
From Properties to Profits: Part One Mastering Taxes as a Real Estate Investing Pro!AUTHOR: MEGAN M. MILLER, EA, Associate Wealth Advisor, Towerpoint Wealth MEGAN M. MILLER, EA With a bachelor’s
Maximizing an Inheritance Estate Planning 01.21.2024
Navigating the Tax Laws to Maximize | Your Beneficiary’s Inheritance | Comprehensive Estate Planning When most individuals are establishing an estate plan, they generally only think about the tax consequences
What Estate Planning Documents Do I Need? 01.21.2024
Estate planning documents specify how you want your assets distributed upon incapacity or death. The collection of these documents together is called an Estate Plan. Some people don’t believe they
5 of the Latest Innovative Financial Tools! 1.12.2024
As markets, regulations, and technologies continue to advance, embracing innovative financial tools becomes not only a choice, but a strategic imperative for those aspiring to build and protect wealth and
There ARE Solutions for Required Minimum Distributions, RMD! 03.12.2024
By: Steve Pitchford, CPA, CFP®, Director of Tax and Financial Planning Dreading a Required Minimum Distribution, or RMD, from a retirement account? No doubt, it’s because of T-A-X-E-S. RMDs can
Crypto in 2024 – Blank Check or Trainwreck? 12.22.2023
“Is investing in cryptocurrency good?” will be a question that many investors ask themselves as we head into 2024. Understanding the importance of not getting too excited – nor too
Front Street Animal Shelter Community Day 12.19.2023
Last week, the Towerpoint Wealth team carved out a full morning to dedicate some time (and a little grit and elbow grease) to support the Front Street Animal Shelter’s Pet Food Pantry program.
Thank you and Merry Christmas, Ascent Builders! 12.12.2023
In the spirit of enduring partnership, Scott Kelly and Patty McElwain stopped by the Towerpoint Wealth headquarters yesterday to drop off their MUCH-anticipated Christmas wreath! This emblematic gesture not only
The PERIL of Buying and Selling Individual Stocks 12.08.2023
Buying, selling, and owning individual stocks can be fun for many reasons. Doing so can also be dangerous, and fraught with peril. All of this begs the question – do
20 Common Investing Mistakes 12.06.2023
Understanding that the world of investing and wealth-building is filled with opportunity, not only for growth but also for errors, at Towerpoint Wealth we believe our role is to raise
Lemonade out of Lemons
14 STRATEGIC IDEAS TO CONSIDER DURING THE CORONAVIRUS CRISIS Towerpoint Wealth – Special Report Obviously none of us can control the financial markets, the economy, or decisions that our elected
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,
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
Hold On… You Have No Alternative Investments In Your Portfolio? 09.09.2022
For many investors, 2022 has been a challenging and frustrating year, as persistently high inflation has resulted in an environment of quickly rising interest rates, leading to a “double-whammy” of
Celebrating 5 Years of YOUR Trust and Confidence 08.26.2022
Wait, how’d that happen so quickly? 5 years already? Understanding a full 50% of businesses do not survive their first five years made Tuesday evening’s party and picnic celebration all the more
Inflation Reduction or Addition? 08.12.2022
What We Know about the $740 Billion Inflation Reduction Act The Inflation Reduction Act of 2022 (IRA) passed the Senate on a 51-50 party-line vote on Sunday (with Vice President Kamala Harris
Managing Expectation – Why Bad News Can Be Good for the Stock Market! 08.01.2022
Investing vs speculating | The US Federal Reserve (“the Fed”) has a target inflation rate of 2%. However, inflation is running wild right now, at a 9.1% annualized rate! And Jerome Powell, the
The Twitter Musk Soap Opera – Should We Actually Care? 07.15.2022
Coming as a surprise to virtually no one, and as you have probably read or heard, Elon Musk is attempting to terminate his $44 billion takeover of Twitter. The Twitter Musk “saga”
Are These Bonds to Invest In? Is 9.62% Really the Rate for I Bonds? 07.01.2022
What if you could profit from inflation rather than suffer from it? While interest rates on most traditional bond investments remain near historical lows, there currently are bonds to invest
What’s the Point? How is it SMART to Be Investing During Inflation? 6.17.2022
Right now, there are many people saying to themselves “What’s the point?” when thinking about investing during inflation. Does the below photo conjure up familiar feelings right now when checking your accounts?
