Personalized Retirement Planning in Sacramento, CA

At Towerpoint Wealth, we understand that retirement isn’t the end of the road—it’s the start of a new chapter. Our Sacramento-based retirement planning services are designed to provide clarity, confidence, and financial security for high-net-worth individuals, professionals, and business owners preparing for the future. With a fiduciary-first approach and a deep understanding of local financial dynamics, we help you create a retirement plan that’s as unique as your life’s work.

Why Sacramento Professionals Choose Strategic Retirement Planning

Unique Retirement Needs of Sacramento’s Business Owners and Executives

For Sacramento’s entrepreneurs, executives, and family business owners, retirement planning is about more than just investments. It’s about protecting what you’ve built, planning your next move, and exiting your business on your terms. We work closely with you to integrate business succession strategies with personal retirement goals, so you can move forward with clarity and peace of mind.

The Rising Importance of Fiduciary Financial Guidance

With today’s market uncertainty, shifting tax laws, and rising healthcare costs, more Sacramento-area clients are seeking fiduciary advisors who prioritize their best interests—not sales quotas. At Towerpoint Wealth, we don’t sell products—we build personalized, strategy-driven retirement plans. Our role is to advocate for your success every step of the way.

Comprehensive Retirement Planning Services We Offer

Goal-Based Wealth Forecasting and Planning

Your retirement should reflect your life’s goals—not just a number. We help you define your vision for financial independence, then build a customized plan to support it. From retirement age targeting to income modeling, we provide data-driven insights to help you make informed decisions about your future.

Investment Management Tailored to Your Retirement Timeline

Our investment strategies are designed with your timeline, risk tolerance, and goals in mind. Whether you’re five years from retirement or already retired, we help optimize your portfolio for growth, stability, and tax efficiency—ensuring your money works as hard as you have.

Tax and Estate Coordination for a Confident Retirement

Taxes can erode your retirement wealth if not properly managed. We coordinate with your CPA and estate attorney to create a seamless plan that minimizes taxes, preserves wealth, and supports your legacy goals. From Roth conversion strategies to charitable giving and estate planning, we keep every piece of your financial picture connected.

Business Owner Retirement and Succession Planning

Whether you’re preparing to exit, sell, or transition your company to the next generation, we provide holistic guidance for business owner retirement. We also help structure and manage retirement plans for your employees—401(k)s, SEP IRAs, profit-sharing, and more—ensuring your business remains competitive and compliant.

Retirement Planning Success Stories from Sacramento Area Clients

Real Client Feedback – From the Sacramento Community

“I’m thoroughly impressed with the personal time and attention I have received with Towerpoint Wealth—and bottom line, the positive results. I feel fully confident my goals and needs are heard and are taken into account with every step. Joseph and his team are quick to respond to all my questions, and after having experience with many other financial institutions/planners over the years, I cannot recommend Towerpoint Wealth enough—I’ll never leave!”
— Katie E.

“Getting close to retirement age (a few years away) and I have faithfully contributed to my 401(k) and have been making my own investment/allocation decisions… After about 2 years of searching, Towerpoint Wealth is my personal decision. I don’t think you could do yourself a disservice by putting Towerpoint on your interview list. So far a great start and have complete confidence it will be a great relationship.”
— Jim B.

“Very impressive. This company fit my investment style and temperament (is there such a thing?). As a small fish in the ocean they made me feel like a large fish.”
— Gerardo and Jennie

A Local Business Owner’s Retirement Transition Story

A Sacramento-based family business owner came to Towerpoint Wealth uncertain about exiting his company. Over two years, we helped him design a strategic exit, reduce tax liabilities, and align his personal and business finances. Today, he enjoys a purpose-driven retirement—traveling, mentoring, and spending more time with family—without financial stress.

How Towerpoint Wealth Supports Your Retirement Journey

A Fiduciary Advisory Team Rooted in Sacramento

As a boutique wealth management firm based in Sacramento, Towerpoint Wealth combines deep local knowledge with national-level expertise. Our team is dedicated to delivering results through integrity, transparency, and unwavering client focus. We’re proud to serve as trusted retirement advisors to individuals across Northern California.

Coordinating With Your CPA, Attorney, and Family

Retirement planning doesn’t happen in a silo. That’s why we collaborate directly with your tax advisor, estate attorney, and family members to ensure every aspect of your financial life is aligned and working in harmony. You deserve a plan that’s cohesive, not fragmented.

Tools and Technology to Keep You on Track

From interactive planning software to your secure online portal, we offer the tools and transparency you need to stay informed and in control. Your retirement plan is regularly reviewed, adjusted, and optimized to reflect changes in the market—and in your life.

Serving Sacramento and Surrounding Communities

Retirement Planning for Clients in Roseville, Folsom, Elk Grove, and Beyond

While based in Sacramento, our team proudly serves clients in surrounding communities including Roseville, Folsom, Elk Grove, Davis, and Granite Bay. Whether you’re running a local business or approaching retirement as a professional, we provide the same trusted, personalized service across the region.

Ready to Start Planning Your Retirement in Sacramento?

Let’s Build Your Future—Together

Your retirement deserves more than a generic financial plan. Let’s create a roadmap that reflects your values, goals, and vision for the future—designed and managed by a Sacramento-based fiduciary advisory team that’s with you every step of the way.

Schedule a Complimentary Consultation With a Sacramento Retirement Advisor Today
Let’s start the conversation. We’re here to help you retire with clarity, confidence, and purpose.