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Castlepoint Wealth Advisors
Castlepoint Wealth Advisors was founded by Matthew J. Tehan, whose career in financial services includes stints at major wirehouses and independent...
Castlepoint Wealth Advisors
Castlepoint Wealth Advisors was founded by Matthew J. Tehan, whose career in financial services includes stints at major wirehouses and independent advisory platforms before launching the firm to serve a concentrated client base of families and business owners. The firm structures itself around durable balance-sheet solutions — permanent life insurance, private real estate credit, and tax-advantaged income strategies — rather than chasing AUM-growth through traditional portfolio management. This focus means client engagements typically begin with liability-side planning before moving to asset allocation. The firm's investment approach layers privately originated commercial real estate debt over institutional insurance chassis, creating yield stacks that bypass public-market correlation. Castlepoint sources senior and mezzanine loans on multifamily, industrial, and self-storage properties, often placing them within cash-value life insurance policies or retirement trusts. The firm also evaluates operating real estate syndications, though the majority of its transaction volume remains in the credit sleeve. Geographic deployment concentrates on secondary and tertiary markets in the Sunbelt and Mountain West, where Tehan and his network have direct origination relationships with sponsors and developers. The practice remains deliberately compact — a model Tehan has characterized as a private family office for families who do not yet require a dedicated single-family office. The firm coordinates with outside CPAs, estate attorneys, and insurance general agents to execute on complex planning structures, including irrevocable life insurance trusts and premium finance arrangements. A material portion of the firm's proprietary deal flow originates through these professional networks rather than from marketed offerings. Castlepoint's structural differentiator lies in its product architecture: the firm is not an asset manager selling funds, but an advisory practice that custom-engineers whole-life insurance contracts to function as private-credit wrappers. This model shifts the economics away from AUM fees and toward insurance commissions and placement fees, aligning advisor compensation with policy performance and loan origination rather than market benchmarks. The approach requires navigating both FINRA and state insurance regulations, a dual-registration complexity that most RIAs avoid.
General information
Firm type
RIA
Year founded
—
AUM
Undisclosed
Location
Region
North America
Country
United States
City
—
Corporate office
—
Principals
Matthew J. Tehan
Founder and Managing Partner
Sector focus
Frequently asked questions
Who runs investment decisions at 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.
How does Castlepoint source its private real estate credit deals?
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.
Is Castlepoint structured as a family office or a traditional RIA?
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.
What role does insurance play in Castlepoint's investment process?
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.
Does Castlepoint offer fund commitments or only direct deals?
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.
Which sectors does Castlepoint explicitly target or avoid?
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.
How does Castlepoint's compensation model differ from a typical RIA?
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.
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