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Towerpoint Wealth
Towerpoint Wealth was established to provide integrated wealth management services to business owners, professionals, and retirees, primarily in the Sacramento...
Towerpoint Wealth
Towerpoint Wealth was established to provide integrated wealth management services to business owners, professionals, and retirees, primarily in the Sacramento region. The firm combines investment advisory, tax planning, and estate strategy within a single fiduciary framework. Its client base skews toward concentrated wealth events — company exits, partnership buyouts, and multi-generational transfers — where coordination across disciplines directly impacts after-tax outcomes. The firm's Northern California footprint places it adjacent to Bay Area technology wealth without competing in the San Francisco hyper-competitive talent market. The firm constructs portfolios using a mix of individual equities, fixed-income ladders, private real estate, private credit, and venture capital funds. Towerpoint Wealth has used alternative investment platforms like iCapital and CAIS to source institutional-quality private market access for its client base. The firm's investment committee evaluates direct indexing strategies, tax-loss harvesting overlays, and concentrated stock management for clients holding large single-company positions. Geographic focus remains California-centric, though the firm's client base occasionally reflects multi-state family structures. Towerpoint Wealth maintains a lean team structure with senior advisors directly managing client relationships alongside in-house tax professionals. The firm does not publicly disclose its total assets under management or exact headcount as of the most recent review period. Its promotional activity emphasizes educational content — webinars on tax-efficient charitable giving, market outlooks, and estate planning seminars — positioning the firm as a planning-led practice rather than purely an investment shop. What distinguishes Towerpoint Wealth's architecture is its deliberate avoidance of the national wirehouse model in favor of independent RIA status. This structure allows the firm to operate without proprietary product pressure, selecting investment vehicles and third-party managers without internal cross-selling mandates that frequently shape larger competitors' recommendations. The firm's succession plan and broader governance arrangements have not been publicly detailed, which is consistent with the private and closely held posture characteristic of regional wealth management practices.
General information
Firm type
Bank / Wealth / Trust
Year founded
2017
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Sacramento
Corporate office
Sacramento, CA, United States
Frequently asked questions
How does Towerpoint Wealth structure its investment management?
The firm uses a combination of direct indexing across individual equities, fixed-income ladders, and alternative investment platforms to access private equity, private credit, and real estate. Towerpoint Wealth has sourced alternative opportunities through third-party platforms like iCapital and CAIS, giving its clients institutional-quality access without requiring them to meet the high minimums of direct fund investments. Tax-loss harvesting and concentrated stock management are central components of the portfolio construction process.
What is Towerpoint Wealth's regulatory status?
Towerpoint Wealth operates as a registered investment advisor, which imposes a fiduciary duty to act in its clients' best interests. This RIA structure distinguishes it from broker-dealers, which follow a suitability standard and often carry proprietary product incentives. The firm's advisory agreements and fee schedules are disclosed through its Form ADV filings, publicly accessible via the SEC's Investment Adviser Public Disclosure database.
What types of clients does Towerpoint Wealth serve?
The firm's client base includes business owners navigating exit events, medical and legal professionals, and retirees managing accumulated assets. Many clients face concentrated wealth situations — substantial holdings in a single company stock or a closely held business — where tax-implication modeling and diversification strategy are critical. The firm's Northern California location additionally draws clients with Bay Area-linked equity compensation packages who seek tax-aware distribution strategies.
Does Towerpoint Wealth offer tax planning in addition to investment management?
Towerpoint Wealth integrates tax planning directly into its advisory offering, with in-house tax professionals coordinating year-round alongside investment advisors. This coverage includes income-tax projections, estate-tax modeling, and charitable-giving strategies such as donor-advised funds and private foundations. The bundled approach removes the coordination gap that often arises when a client's tax preparer and investment manager operate independently.
How does Towerpoint Wealth access private market investments for its clients?
The firm accesses private equity, venture capital, private credit, and real estate primarily through third-party feeder platforms and fund-of-fund structures rather than direct co-investments. This approach allows clients with mid-seven-figure to low-eight-figure portfolios to gain exposure to asset classes typically reserved for institutional investors, while the platform managers handle due diligence, capital calls, and reporting logistics.
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