Clock Tower Wealth Management

The firm operates on a fee-only basis, charging clients a percentage of assets under management or a fixed retainer for advisory and trust services. It does not accept commissions, revenue-sharing agreements, or third-party payments tied to product recommendations. This structure removes the incentive to trade or to place clients into high-cost funds.

Clock Tower builds concentrated portfolios using individual equities and bonds rather than packaged mutual funds or ETFs for core exposures. The firm emphasizes direct ownership, which enables tax-loss harvesting at the lot level and avoids the embedded capital-gains distributions that mutual-fund shareholders can incur. Fixed-income ladders and separately managed bond accounts are typical components.

Most independent RIAs outsource trustee duties to bank trust departments or standalone trust companies, which can create friction around investment discretion and fee stacking. Clock Tower absorbed trust administration in-house so that investment management, trustee oversight, and beneficiary communication sit under a single fiduciary roof — a structure that avoids the split-incentive problem where an external trustee might prefer a different investment approach than the family's long-time advisor.

The practice is concentrated in Northern California, particularly Sonoma County, Marin County, and the greater North Bay. Clock Tower does not pursue a national footprint or remote-client acquisition strategy. Referrals come predominantly from local estate-planning attorneys, CPAs, and existing client families in the region.

No. The firm is a standalone registered investment adviser (RIA) with no broker-dealer affiliation, which means it cannot execute principal trades or hold inventory. All client assets are custodied at independent third-party firms, and clients receive trade confirmations and statements directly from those custodians.