Town Capital

Town Capital provides fee‑only wealth management and financial planning to professionals, business owners, and a range of individual and institutional clients. The firm’s services include comprehensive planning modules (retirement, cash‑flow, tax opportunities, insurance, education and estate planning), business planning and employer retirement plan work alongside ongoing discretionary investment management.

The firm emphasizes a customized, goals‑based investment approach that constructs portfolios to deliver specific cash flows for clients (particularly retirement income) rather than to track market benchmarks. Town Capital typically manages accounts on a discretionary basis, uses a mix of active and passive strategies informed by risk capacity and taxes, and may allocate assets to unaffiliated independent managers while also using third‑party platforms such as Pontera to manage held‑away employer plan accounts.

A relatively uncommon feature for firms of its type, Town Capital offers free public seminars and workshops on personal finance and investor topics. The brochure also discloses several operational practices that distinguish the firm from many peers, including use of estate‑planning service networks (with client permission to share basic financial information to reduce cost), the potential use of standing letters of authorization for transfers, and fee‑sharing arrangements with independent managers that the firm says it will oversee.