Twelve Points Wealth Management
Twelve Points Wealth Management is a fiduciary registered investment adviser in Concord, MA, providing wealth advisory, retirement plan, business valuation, and institutional investment services to high-net-worth families, business owners, plan sponsors, and nonprofits, with a Center for Women division.
- Company typePrivate
- Founded2014
- HeadquartersConcord, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Twelve Points Wealth Management does
Twelve Points Wealth Management, LLC is a privately held, SEC-registered investment adviser headquartered at 9 Pond Lane, Suite 3A, Concord, Massachusetts, operating under a fiduciary standard of care. Founded in 2014 by Dave Clayman (CEO/CCO), Francesca Federico (President), and Manny Frangiadakis (Principal), the firm is structured as a partnership-style LLC with co-founder ownership and no disclosed institutional investors. It employs approximately 14 named professionals across four service divisions: Wealth Advisory, Retirement Plan Advisory, Business Advisory, and Institutional Investment Advisory, plus a dedicated Twelve Points Center for Women.
The firm's service platform integrates family wealth coordination, estate planning, investment management, trustee services, tax strategy, and insurance planning for high-net-worth individuals and families. For corporate and nonprofit plan sponsors, it delivers 3(38) investment fiduciary services, plan administration, compliance, and employee education across 401(k), 403(b), non-qualified, and defined benefit/cash balance plans. The Business Advisory arm provides valuation, value enhancement, growth consulting, and succession planning for privately held companies, with stated specialization in automotive, construction, manufacturing, health and wellness, and food distribution. Institutional Investment Advisory serves nonprofits, foundations, endowments, corporate treasuries, and captive insurance entities. Distribution is exclusively direct-advisor (relationship-led), supported by content marketing, webinars, community events, and third-party industry recognition.
Twelve Points has no proprietary technology platform; portfolio operations run on Orion Advisor (login.orionadvisor.com). Revenue is generated primarily through advisory fees as a percentage of assets under management, supplemented by engagement-based fees for business valuation, succession advisory, and plan-level retirement services. The firm has scaled AUM into the $200M+ 13F-reportable range (per Q1 2026 filings) and pursues growth through senior hires, vertical specialization (e.g., auto dealers via MSADA membership), and thought leadership led by Francesca Federico, who was ranked #1 on AdvisorHub's 2026 Women RIAs to Watch list.
Twelve Points Wealth Management firmographics
Firmographics- Name
- Twelve Points Wealth Management
- Legal name
- Twelve Points Wealth Management, LLC
- Website
- https://twelvepoints.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Twelve Points Wealth Management is a fiduciary registered investment adviser in Concord, MA, providing wealth advisory, retirement plan, business valuation, and institutional investment services to high-net-worth families, business owners, plan sponsors, and nonprofits, with a Center for Women division.
- Ownership category
- akta.pro rank
Where Twelve Points Wealth Management is headquartered
LocationHeadquarters
- HQ city
- Concord
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Twelve Points Wealth Management business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Advisory Fee Income (AUM-based): Twelve Points Wealth Management is a registered investment adviser (SEC-registered) that generates revenue primarily through advisory fees charged on assets under management (AUM). As a fiduciary RIA, fees are typically charged as a percentage of AUM. The firm also offers retirement plan advisory services, business valuation, and business advisory services, which may generate additional fee income.
Go-to-market motion1 record
Distribution channels2 records
Marketing channels8 records
Twelve Points Wealth Management product offering
Product offeringCore offering
Twelve Points Wealth Management is a fiduciary registered investment adviser delivering integrated financial advisory services across four core divisions: Wealth Advisory (investment management, estate planning, tax strategy, insurance, trustee services, and family wealth coordination), Retirement Plan Advisory (3(38) investment fiduciary, plan administration, compliance, and employee education for 401(k), 403(b), non-qualified, and defined benefit plans), Business Advisory (valuation, value enhancement, and growth consulting for business owners), and Institutional Investment Advisory (portfolio management, governance, and foundation/endowment advisory). The firm also operates the Twelve Points Center for Women, a dedicated division focused on women's financial empowerment.
Product overview
Twelve Points Wealth Management is a registered investment adviser offering an integrated suite of wealth management services through four core divisions: Wealth Advisory (family wealth coordination, estate planning, investment management, trustee services, tax, and insurance), Retirement Plan Advisory (plan administration, investments as 3(38) fiduciary, compliance, employee education for corporate 401(k), non-profit 403(b), non-qualified, and defined benefit plans), Business Advisory (valuation, value enhancement, and growth consulting for business owners), and Institutional Investment Advisory (portfolio management, governance, and endowment/foundation advisory). The firm also operates a dedicated Twelve Points Center for Women focused on women's financial empowerment. The platform integrates financial planning, investment management, tax strategy, estate planning, and business succession to serve families, business owners, and institutions.
Differentiator
Problem solved
Functional benefit
Products and services
- Wealth Advisory Comprehensive wealth management services for families and individuals, including family wealth coordination, estate planning, investment management, trustee services, tax strategies, and insurance planning.
- Retirement Plan Advisory Full-service retirement plan advisory covering plan administration, investments (3(38) fiduciary), compliance, and employee education for corporate, non-profit, and governmental retirement plans.
- Business Advisory Business advisory services including comprehensive business valuation, strategic value enhancement, and growth consulting for privately held companies across industries including automotive, construction, manufacturing, health & wellness, and food distribution.
- Institutional Investment Advisory Institutional investment guidance for nonprofits, foundations, endowments, corporate clients, captive insurance companies, and pension plans, offering portfolio advisory, governance, and donor engagement services.
- Twelve Points Center for Women Dedicated division focused on empowering women in financial planning, addressing unique financial challenges women face including career disruptions, wage gaps, longer lifespans, and wealth management through educational resources and personalized advisory.
- Corporate Defined Contribution Plans Customized 401(k) and defined contribution plans for corporate employers designed to attract, retain, and reward top talent with smart, compliant retirement plan design.
- Non-Profit Organization Defined Contribution Plans 403(b) and other defined contribution plans designed for non-profit organizations, balancing mission and benefits with efficient, compliant structures.
- Non-Qualified Plans Deferred compensation and non-qualified retirement plans for executives designed to supplement qualified plans and align with organizational retention goals.
- Defined Benefit / Cash Balance Plans Defined benefit and cash balance pension plans that help business owners accelerate retirement savings and enhance tax efficiency.
- Business Valuation Expert, data-backed business valuations reflecting true worth including key intangible assets to help owners understand company value before exit.
- Value Enhancement Strategies to boost company value through competitor analysis, client reviews, and marketing improvements to maximize future sale potential.
- Growth Consulting Growth acceleration strategies tailored to industry and goals, helping identify opportunities, overcome challenges, and drive sustainable success.
- Foundation/Endowment Advisory Mission-aligned investment strategies supporting long-term growth, donor confidence, and community impact for foundations and endowments.
Companies that use Twelve Points Wealth Management
Customer profileSegments5 records
Ideal customer profiles5 records
Twelve Points Wealth Management technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Twelve Points Wealth Management partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Massachusetts State Automobile Dealers AssociationminorTwelve Points Business Advisors joined the Massachusetts State Automobile Dealers Association (MSADA) as a member. An article by Chris Cahill on auto dealer advisory services was featured in the official monthly publication of Massachusetts Auto Dealer. This membership provides access to auto dealer networks in Massachusetts and establishes the firm as a recognized advisor within the auto dealership community.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Twelve Points Wealth Management competitors and assessment
Company assessmentDirect peers
- Modera Wealth Management: Independent, fee-only RIA of comparable size offering wealth management, retirement plan, and business owner advisory services to HNW individuals — directly comparable multi-division platform and client base.
- Halbert Hargrove: Long-standing independent RIA serving HNW individuals, families, and institutions with integrated wealth, retirement, and trust services — closely mirrors Twelve Points' multi-divisional fiduciary model.
- Budros Ruhlin Roe: Fee-only RIA providing comprehensive wealth management, retirement plan, and family office services to HNW clients — highly comparable in service mix, fiduciary positioning, and relationship-driven GTM.
- SageView Advisory Group: Specialist retirement plan advisory and wealth management firm serving corporate plan sponsors and HNW individuals — directly comparable to Twelve Points' Retirement Plan Advisory division and 3(38) fiduciary positioning.
Broad incumbents
- OneDigital: Large national employee benefits and retirement plan advisory firm where Neil Tremblay previously worked — Twelve Points competes directly with OneDigital for 3(38) mandates and retirement plan sponsor relationships.
- Creative Planning: Large independent RIA offering wealth management, retirement plan, and business advisory at national scale — broader incumbent whose multi-division platform Twelve Points aspires to emulate.
- Mercer Advisors: National RIA consolidator serving HNW households with integrated wealth, retirement, and business advisory — both a competitor for clients and a potential strategic acquirer of Twelve Points.
- Mariner Wealth Advisors: Large national independent RIA offering wealth, retirement plan, institutional, and family office services — comparable multi-division platform and a likely acquirer in any Twelve Points succession scenario.
Emerging players
- Facet Wealth: Digital-first flat-fee RIA targeting HNW clients with remote advice — represents the technology-enabled competitive threat to Twelve Points' traditional in-person HNW model.
- Ellevest: Women-focused financial planning and investment platform — most directly comparable to the Twelve Points Center for Women on positioning, though operating with a digital rather than personal-advisor delivery model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Twelve Points Wealth Management social profiles
Digital presenceTwelve Points Wealth Management financial estimates
Financial estimateRevenue estimate
Valuation estimate
Twelve Points Wealth Management leadership team
Management profileNumber of profiles
Profiles16 records
Twelve Points Wealth Management subsidiaries and ownership
Company hierarchySubsidiaries1 record
Twelve Points Wealth Management funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Twelve Points Wealth Management M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Twelve Points Wealth Management
What does Twelve Points Wealth Management do?
Twelve Points Wealth Management is a fiduciary registered investment adviser delivering integrated financial advisory services across four core divisions: Wealth Advisory (investment management, estate planning, tax strategy, insurance, trustee services, and family wealth coordination), Retirement Plan Advisory (3(38) investment fiduciary, plan administration, compliance, and employee education for 401(k), 403(b), non-qualified, and defined benefit plans), Business Advisory (valuation, value enhancement, and growth consulting for business owners), and Institutional Investment Advisory (portfolio management, governance, and foundation/endowment advisory). The firm also operates the Twelve Points Center for Women, a dedicated division focused on women's financial empowerment.
Is Twelve Points Wealth Management a public or private company?
Twelve Points Wealth Management is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Twelve Points Wealth Management founded?
Twelve Points Wealth Management was founded in 2014. It employs 11 to 50 people.
Where is Twelve Points Wealth Management based?
Twelve Points Wealth Management is headquartered in Concord, United States, in the North America region.
How does Twelve Points Wealth Management make money?
One revenue line is on record: advisory Fee Income (AUM-based).
Who are Twelve Points Wealth Management's main competitors?
Direct peers on record are Modera Wealth Management, Halbert Hargrove, Budros Ruhlin Roe and SageView Advisory Group. Broad incumbents are OneDigital, Creative Planning, Mercer Advisors and Mariner Wealth Advisors. Emerging players are Facet Wealth and Ellevest.
Does Twelve Points Wealth Management have an API?
No public API is recorded for Twelve Points Wealth Management.