# Clock Tower Wealth Management

Clock Tower Wealth Management is a Bank / Wealth / Trust based in Petaluma, CA, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Petaluma, CA, United States
- **Region:** North America
- **Address:** Petaluma, CA, United States
- **Assets under management:** Undisclosed
- **Website:** clocktowerwealth.com

## Regulatory record

- **Reports private funds:** No

## About

Clock Tower Wealth Management is a wealth management firm based in Petaluma, US. It focuses on wealth management services in North America.

## Questions

### How is Clock Tower Wealth Management compensated?

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.

### What is the firm's approach to portfolio construction?

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.

### What geographic area does the firm serve?

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.

### Is Clock Tower affiliated with a broker-dealer?

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.

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Last updated: 2026-06-03T20:00:00.000Z

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