Castlepoint Wealth Advisors

Matthew J. Tehan, the firm's founder and managing partner, personally leads all investment and insurance strategy decisions. His background includes registered representative roles at several large broker-dealers before establishing the independent advisory practice. FINRA records confirm his ongoing registration and long tenure in the wealth management and insurance space.

Deal flow originates through Tehan's direct relationships with sponsors and developers in secondary and tertiary markets, primarily in the Sunbelt and Mountain West regions. The firm also receives proprietary opportunities through its network of CPAs, estate attorneys, and insurance general agents. Castlepoint does not rely on marketed offerings or aggregator platforms for the majority of its credit placements.

Castlepoint operates as a registered investment advisor that delivers a family-office-style service model to a concentrated client base. Matthew Tehan has described the practice as functioning like a private family office for families who do not yet justify the cost of a dedicated single-family office. The firm's scope integrates wealth management, insurance architecture, and direct private-credit origination under one advisory umbrella.

Permanent life insurance is the central structuring vehicle — Castlepoint uses cash-value policies to house privately originated commercial real estate debt, creating tax-advantaged yield stacks. The firm also designs irrevocable life insurance trusts and premium finance arrangements for estate planning. This insurance-first architecture means liability-side planning typically precedes any discussion of market-based asset allocation.

The firm's transaction volume concentrates in direct placements of privately originated real estate loans and individually structured insurance products. While Castlepoint may evaluate operating real estate syndications, it does not market pooled investment funds to clients. The practice is built on custom-sourced credit assets rather than third-party fund commitments.

Castlepoint targets private real estate credit backed by multifamily, industrial, and self-storage properties in non-gateway markets. The firm avoids development-stage equity, heavily correlated public securities, and insurance products without an institutional planning rationale. Its negative screen effectively excludes any investment that cannot be sensibly housed within an insurance or tax-advantaged trust structure.

Unlike an AUM-centric RIA that charges a percentage of assets, Castlepoint's economics include insurance commissions and placement fees tied to policy performance and loan origination. This shifts advisor incentives away from gathering marketable securities and toward structuring durable insurance-credit vehicles. The firm holds both FINRA and state insurance registrations, a dual-compliance posture uncommon among fee-only RIAs.