Towerpoint Wealth: A Wealth of Knowledge

Joseph Eschleman, CIMA®
  • 5.0 (3)
  • MANAGEMENT
  • UPDATED MONTHLY

Towerpoint Wealth, LLC represents a unique model in the wealth management industry—a boutique independent financial planning firm who has a *legal fiduciary* responsibility to you, acting in your best interests 100% of the time. With more than 110 years of combined experience, we offer exceptional knowledge, planning, and service that has earned the appreciation, loyalty, and trust of our clients. We founded our firm with the goal of providing peace-of-mind in guiding our clients toward reaching their financial independence, and to maintain this financial independence once they have “shifted gears” into retirement. At the same time, we have developed a specialization in helping current and former technology employees in properly managing the risk and tax consequences of receiving and managing their RSUs and concentrated stock positions. Helping you remove the hassle of properly coordinating your financial affairs, so you can live a happier life and enjoy retirement.

Episodes

  1. 6 Smart Tax Moves To Make Before Filing Your Taxes

    02/24/2025

    6 Smart Tax Moves To Make Before Filing Your Taxes

    Our latest episode "6 Smart Tax Moves To Make Before Filing Your Taxes" is designed to help you take charge of your financial future this tax season. In this episode, host Joseph Eschleman, CIMA®, President of Towerpoint Wealth, is joined by our expert guests, Associate Wealth Advisor Megan M. Miller, EA and Steve Pitchford, CPA, CFP® Director of Tax and Financial Planning. Together, they unpack six powerful tax-saving moves that can help you optimize your tax situation before filing. What You’ll Learn In This Episode: Maximizing Retirement Contributions: Discover how fully leveraging your 401(k), IRA, or SEP-IRA can lower your taxable income and secure your long-term financial health.Exploring Roth Conversions: Learn the benefits of converting traditional IRAs to Roth IRAs, including how to lock in today’s tax rates for a tax-free retirement.Utilizing Tax-Loss Harvesting: Understand how selling underperforming assets can help offset capital gains and reduce your overall tax liability.Optimizing Charitable Contributions: Get insights on how strategic giving—whether through lump-sum donations or donor-advised funds—can boost your tax savings.Navigating Deductions: Assess whether itemizing your deductions might be more beneficial than taking the standard deduction in light of potential changes.Evaluating Estate Planning Strategies: Explore methods to protect your wealth, especially as estate tax laws evolve.At Towerpoint Wealth, our mission is to empower our clients with the knowledge and tools they need to achieve lasting financial success. We’re dedicated to building long-term relationships rooted in trust, personalized service, and proactive financial guidance. Whether you’re planning for retirement, managing investments, or preparing for tax season, our team is here to help you navigate the complexities of the financial landscape. If you have any questions about the episode or need personalized advice on wealth management and financial planning, please don’t hesitate to reach out. Our team is committed to helping you make informed decisions that align with your financial goals. Contact Us Today for a consultation or to get answers to your financial questions. https://towerpointwealth.com/sacramento-towerpoint-wealth-contact-us/

    45 min
  2. Stewards of Integrity: The Vital Role of Private Professional Fiduciaries

    01/15/2025

    Stewards of Integrity: The Vital Role of Private Professional Fiduciaries

    In this episode of A Wealth of Knowledge, we shine a spotlight on the vital and multifaceted role of private professional fiduciaries. Hosted by Joseph Eschleman, President of Towerpoint Wealth, this episode features insights from Jonathan LaTurner, Partner and Wealth Advisor, and Megan Miller, Associate Wealth Advisor, as they unpack the complexities of fiduciary work and share how Towerpoint Wealth supports these professionals. You’ll learn: What it means to be a professional fiduciary and how they navigate their clients’ financial and personal care needs.The challenges fiduciaries face in managing diverse responsibilities, from estate planning and trust management to ensuring proper care for their clients.How Towerpoint Wealth serves as a trusted partner, providing expert financial management, tax advice, and compliance support tailored to fiduciaries’ unique needs.Whether you’re a fiduciary, a financial professional, or someone interested in the behind-the-scenes of wealth management, this episode offers valuable insights into how fiduciaries make a difference—and how Towerpoint Wealth helps them succeed. Tune in now to discover how Towerpoint Wealth empowers fiduciaries to better serve their clients while simplifying their complex responsibilities. Don’t forget to subscribe, rate, and follow for more episodes! For more information visit https://towerpointwealth.com/towerpoint-wealth-financial-services/duties-of-a-trustee-in-california/

    28 min
  3. Navigating the 2024 Tax Season: Your Top 6 Questions, Answered!

    03/18/2024

    Navigating the 2024 Tax Season: Your Top 6 Questions, Answered!

    Welcome to the Season 2 premiere of "A Wealth of Knowledge," where we're plunging into the depths of wealth management to equip you with indispensable guidance and expertise for safeguarding your financial future. Based in Sacramento, California, Towerpoint Wealth transcends the conventional role of a wealth management firm – we're your unwavering financial allies. Renowned as industry leaders, we uphold a sacred fiduciary duty to our clients, ensuring that every decision made is firmly rooted in your best interests. Join us as our seasoned and fully independent financial advisors generously share their wealth of expertise, walking alongside you at every turn of your financial journey. Whether you're crafting a bespoke investment strategy, plotting your retirement path, or seeking comprehensive financial solutions, rest assured, we're here to empower you towards achieving your aspirations. In this episode, helmed by Towerpoint Wealth's President, Joseph Eschleman, CIMA®, we're privileged to welcome special guests: Director of Tax and Financial Planning, Steve Pitchford, CPA, CFP®, and Associate Wealth Advisor, Megan Miller. Together, we'll tackle six of the most pressing questions posed by our clients and friends regarding the 2024 tax season. Are you enjoying "A Wealth of Knowledge"? Don't forget to follow and subscribe to Towerpoint Wealth's premier podcast!

    31 min
  4. Why T-Bills May Be Better than CDs!

    11/17/2023

    Why T-Bills May Be Better than CDs!

    Dive Deeper: Treasury Bills vs. Certificates of Deposit in an all new episode of @twrpointwealth “A Wealth of Knowledge” Podcast - Join President Joseph and special guest advisor @jlattt in this episode as they dissect the nuances of Treasury bills (T-bills) and Certificates of Deposit (CDs), helping you navigate the best choice for conservative investors.Discover the robust advantages T-bills offer, from advanced security features to potential tax benefits and enhanced liquidity. Remember, each investment requires thoughtful consideration. Consult a certified, independent financial planner before making any changes to your investment strategy.

    43 min
  5. Reducing the Necessary Evils of Investing: Expenses and Taxes

    07/27/2023

    Reducing the Necessary Evils of Investing: Expenses and Taxes

    In this episode, our President, Joseph F. Eschleman, CIMA®, and our Director of Tax and Financial Planning, Steven Pitchford, CPA, CFP®, as they unravel the complexities of managing and reducing the “necessary evils” of investing: expenses and income taxes. Join us as we share valuable insights and practical strategies to empower you as an investor. Discover how to take control of your financial destiny by minimizing expenses and optimizing your tax planning. No longer will these necessary evils hinder your net worth building journey.

    41 min

  6. 03/23/2023

    9 Tax Strategies Real Estate Investors Wish They Had Known

    In this episode Megan Miller and Joseph Eschleman talk about the 9 tax strategies real estate investors must know. As Towerpoint Wealth’s President and founder, Joseph provides customized financial planning and strategic wealth management counsel. In building an impressive 21 year career, he continues to help a select group of successful individuals, business owners and entrepreneurs, corporate professionals, and retirees both grow and protect their personal net worth. Joseph’s extensive training, experience, and expertise in portfolio and investment management, sustainable income generation, and comprehensive wealth protection and asset transfer planning has helped him move clients toward their ultimate goal – complete economic peace of mind. Megan is the newest member of the Towerpoint Wealth family, joining the firm in December of 2022. She brings with her over a decade of experience in individual tax compliance and consulting, as well as a deep background in tax financial planning, personal investing, and real estate. Read Megan's full bio here: https://towerpointwealth.com/sacramento-towerpoint-wealth/towerpoint-wealth-team/megan-miller-associate-wealth-advisor/

    43 min
  7. The Real estate market in Sacramento

    01/17/2023

    The Real estate market in Sacramento

    My what a difference 18 months makes! Do you own real estate in the greater Sacramento area? Recently bought a home here? Or, just thinking about buying or selling real estate in the City of Trees? The Sacramento real estate market today is markedly different than the spring of 2020, and certainly not white hot. However, although things have calmed down, here at Towerpoint Wealth, we believe it is useful to remember and understand both how and why the market became so overinflated, as to not repeat the same mistakes twice, and to recognize the benefits of the Sacramento real estate market being a buyer’s market now, versus a seller’s market not too long ago. So enjoy listening to the discussion our President, Joseph Eschleman, shared with veteran real estate agent Brian Kassis, of Re/Max Gold, back in April of 2021.

    21 min
  8. Economy in Recession? | Five specific strategies to help you recession proof your portfolio

    12/06/2022

    Economy in Recession? | Five specific strategies to help you recession proof your portfolio

    Is the United States economy on the verge of slipping into a recession? Or is the exact opposite happening – is the economy continuing to recover, and is more robust than it is getting credit for? Are we looking towards an economy in recession, or are we more recession proof than many economists believe? While our economy is by no means recession proof, it should come as no surprise to our clients and to TPW friends and colleagues that we take this volatility with a grain of salt, as we pay attention, but rarely react, to these short-term movements. Is a recession coming? Perhaps, but there is anything but consensus on what happens next. What we do know is this: 1. While the economy is by no means recession proof, economic expansions tend to be much more robust than recessions. 2. Even if we are facing an economy in recession, that over the past 73 years, bull markets have lasted longer (50 months, on average) than bear markets (13 months, on average), and have more than made up for periodic market declines. This all begs the question: If we are facing an economy in recession, what can YOU do to recession-proof your portfolio? This educational podcast will specify FIVE strategies to help you recession proof your portfolio, even if we are facing an economy in recession!

    11 min
  • 8 Episodes

Ratings & Reviews

5
out of 5
3 Ratings

About

Towerpoint Wealth, LLC represents a unique model in the wealth management industry—a boutique independent financial planning firm who has a *legal fiduciary* responsibility to you, acting in your best interests 100% of the time. With more than 110 years of combined experience, we offer exceptional knowledge, planning, and service that has earned the appreciation, loyalty, and trust of our clients. We founded our firm with the goal of providing peace-of-mind in guiding our clients toward reaching their financial independence, and to maintain this financial independence once they have “shifted gears” into retirement. At the same time, we have developed a specialization in helping current and former technology employees in properly managing the risk and tax consequences of receiving and managing their RSUs and concentrated stock positions. Helping you remove the hassle of properly coordinating your financial affairs, so you can live a happier life and enjoy retirement.

Information