WHY CHOOSE TOWNELEY?
WHY CHOOSE TOWNELEY?
As fiduciaries, Towneley provides highly-personalized investment counseling centered entirely on the best interest of the client, based on short and long-term financial goals. Our financial planning and portfolio management strategies along with diligent, timely, and always courteous and friendly service, is offered on a fee-only basis to individuals, business owners, institutions, non-profit boards, and foundations.
Our approach begins with a listening process aimed at understanding you and the unique vision you bring to your investment focus.
With Towneley, the open-door foundation of listening, addressing questions, and being available never ends. It remains consistent through the life of the relationship. One 30-year private Towneley client says, “I feel confident they want what’s best for me.”*
Towneley’s trusted and time-tested investment strategies are designed to provide diversified exposure to worldwide investing. We seek risk-adjusted returns appropriate to each client’s goals, needs and risk tolerance.
Private clients
Whether it's sending kids through college, fine-tuning a retirement vision, or legacy planning for wealth transfer, Towneley provides a trustworthy road map for the journey.
Grounded in research-based investing since 1971, Towneley Capital Management is an independent investment management firm.
Multiple Fund Strategy
Our Multiple Fund Strategy, or MFS, provides participation in global markets and the means to efficiently rebalance portfolios as changes in your needs or market conditions necessitate.
Why do we recommend a portfolio of mutual funds over a portfolio of individual stocks and bonds? Our experience has shaped our belief that mutual funds offer a more cost-effective strategy for generating risk-adjusted returns for most investors for the following reasons.
Greater Diversification
A portfolio of multiple mutual funds offers diversification among thousands of individual securities and many different asset classes, including exposure to:
Global, Value and Growth Company Stocks
Global, Short, Intermediate and Long-Term Bonds
Taxable and Tax-exempt Income
Emerging and Developed Markets
Cost-Effective Participation in Global Markets
The costs of foreign custody, research, brokerage processing and administration are prohibitively expensive for individual stock and bond investors with portfolios under $50 million.
Mutual fund shareholders, however, benefit from economies of scale because management fees and other costs are allocated among thousands of shareholders.
Increased Efficiency in Portfolio Management
Rebalancing a mutual fund portfolio can be easily and inexpensively accomplished compared to the time and cost involved in adjusting an individual stock and bond portfolio.
Through the use of our efficient rebalancing strategy, we are able to fully rebalance a client’s portfolio within 24 hours, ensuring that the portfolio assets remain consistently invested in the market.
Exchange Traded Fund Strategy
Towneley’s Global Balanced Strategy is designed for clients who would like to participate in the capital appreciation potential of the major worldwide financial markets. This strategy seeks a high total return with moderate risk over the long term. We allocate assets among U.S. and foreign stocks, bonds, and commodities, and rebalance periodically.
Our exchange traded fund strategy is particularly suitable for investors with revenues or expenses in foreign currencies. Tax-exempt entities enjoy the benefits of rebalancing without tax consequences.
Financial Planning Services
Pre-Retirement Planning
Our retirement analysis will tell you whether your current retirement goals are attainable. Our analysis can also indicate how much you will need to accumulate to retire at your preferred retirement date and desired retiree lifestyle. We provide a plan identifying how much you should be saving now and the best type of account for your retirement savings.
Post-Retirement Distribution Planning
When you are ready to retire, we can help you monitor the amount you withdraw from your invested assets so that your money lasts as long as you need it to. We evaluate how your current withdrawal pattern may impact the longevity of your invested assets given various scenarios. We also suggest alternative strategies.
Spending and Budget Analysis
We evaluate your income and expenditures and provide you with a cash flow analysis that includes our suggestions for reducing spending and increasing savings. Although we don’t provide specific tax advice, we may include suggestions that may reduce your taxes for discussion with your tax advisor. If appropriate, we can also evaluate your mortgage or other outstanding loans and help you determine if you might benefit from refinancing or from discharging those debts sooner than scheduled.
College Cost Analysis and Planning
We estimate how much you should save for college expenses based on your target university and other variables. We can also recommend the best type of account to hold your college savings and help you determine the appropriate asset allocation for that account.