Twelve Points Retirement Advisors
Twelve Points is a private registered investment adviser serving high-net-worth families, business owners, corporate retirement plan sponsors, nonprofits, foundations, and endowments through integrated wealth, retirement, business, and institutional advisory services.
- Company typePrivate
- Founded2014
- HeadquartersConcord, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Twelve Points Retirement Advisors does
Twelve Points Retirement Advisors is a business name of Twelve Points Wealth Management, a private registered investment adviser headquartered in Concord, Massachusetts. The wider firm serves high-net-worth families and individuals, business owners, corporate retirement plan sponsors, nonprofits, foundations, endowments, and other institutions through Wealth Advisory, Retirement Plan Advisory, Business Advisory, Institutional Investment Advisory, Family Office Services, and the Center for Women. Its platform coordinates personal wealth, business planning, retirement-plan governance, and institutional investments within a unified advisory relationship.
Retirement Plan Advisory includes plan administration, compliance, employee education, and 3(38) investment fiduciary services across corporate defined contribution, 403(b), nonqualified, and defined benefit or cash balance plans. The other divisions provide goals-based planning, estate and trust planning, tax and insurance analysis, business valuation and growth consulting, and institutional portfolio governance. The supplied records identify no proprietary software, algorithms, public API, or mobile app; the service is therefore primarily a human-led advisory process rather than a technology platform.
Revenue comes from annual advisory fees determined client by client based on assets under management, service scope, and complexity; exact fee schedules are not public. Twelve Points uses direct, high-touch distribution through in-person and virtual meetings, referrals, personal networks, community involvement, webinars, and educational content, primarily in New England. There is no evidence of marketplace distribution, outside ownership, or a proprietary product channel.
Twelve Points Retirement Advisors firmographics
Firmographics- Name
- Twelve Points Retirement Advisors
- Legal name
- Twelve Points Wealth Management
- Website
- https://twelvepoints.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Twelve Points is a private registered investment adviser serving high-net-worth families, business owners, corporate retirement plan sponsors, nonprofits, foundations, and endowments through integrated wealth, retirement, business, and institutional advisory services.
- Ownership category
- akta.pro rank
Twelve Points Retirement Advisors industry classification
Industry- Product category
- Financial Advisory
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Corporate Retirement Plan Advisory RIAs (ERISA 401(k)/403(b)) (FSAAACAF)
- akta.pro secondary industries
- Advisory Portfolio Management (Non-Discretionary) (FSAAABAD), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF), Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)
Keywords
Where Twelve Points Retirement Advisors is headquartered
LocationHeadquarters
- HQ city
- Concord
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Twelve Points Retirement Advisors business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Advisory Fee Revenue: Twelve Points operates as a registered investment adviser (RIA) and fiduciary firm. The firm earns revenue through advisory fees charged to clients for wealth management, retirement plan advisory, business advisory, and institutional investment services. Fee structures are disclosed in Form ADV and Form CRS and are not publicly posted on the website.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Advisory fees are determined on a client-by-client basis based on assets under management, service scope, and complexity. |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels8 records
Twelve Points Retirement Advisors product offering
Product offeringCore offering
Twelve Points Retirement Advisors is a Registered Investment Adviser that provides wealth advisory, retirement plan advisory, business advisory, and institutional investment advisory services. The firm acts as a 3(38) investment fiduciary for corporate retirement plan sponsors, taking on investment discretion and ERISA fiduciary responsibility. It also serves high-net-worth individuals, business owners, and nonprofit institutions with dedicated wealth and institutional advisory offerings, including a Center for Women sub-brand focused on women's financial planning.
Product overview
Twelve Points Retirement Advisors operates as a unified financial advisory platform offering four interconnected service lines: Wealth Advisory, Retirement Plan Advisory, Business Advisory, and Institutional Investment Advisory, along with a dedicated Center for Women sub-brand. The Wealth Advisory service provides comprehensive financial planning including family wealth coordination, estate planning, investment management, trustee services, tax planning, and insurance. The Retirement Plan Advisory service encompasses plan administration, investment fiduciary services (3(38) investment fiduciary), compliance management, and employee education, with specific plan types including Corporate Defined Contribution Plans, Non-Profit 403(b) Plans, Non-Qualified Plans, and Defined Benefit/Cash Balance Plans. The Business Advisory service offers business valuation, value enhancement, and growth consulting for business owners. The Institutional Investment Advisory service provides portfolio advisory, governance, and donor engagement for foundations and endowments.
Differentiator
Problem solved
Functional benefit
Products and services
- Wealth Advisory Personal wealth management service for high-net-worth individuals and business owners covering retirement income, tax, and estate planning needs, positioned as a complement to the firm's retirement plan advisory work.
- Retirement Plan Advisory 3(38) investment fiduciary service for corporate retirement plan sponsors that delegates investment selection, monitoring, and replacement to Twelve Points, transferring ERISA fiduciary discretion and liability away from the plan sponsor.
- Business Advisory Advisory service for business owners addressing owner-side wealth, succession, and executive financial planning needs in coordination with corporate retirement plan work.
- Institutional Investment Advisory Investment management and oversight service for nonprofit organizations and other institutions, supporting investment policy implementation, manager selection, and ongoing monitoring for reserves and endowments.
- Center for Women Sub-brand and dedicated advisory offering within Twelve Points focused on the financial planning needs of female clients, including retirement, income, and wealth planning tailored to women's circumstances.
Quantifiable outcome
- Advisors recognized for managing at least $100M in client assets per individual (InvestmentNews $100M Club)
- +2 more outcomes
Companies that use Twelve Points Retirement Advisors
Customer profileSegments5 records
Ideal customer profiles3 records
Twelve Points Retirement Advisors technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Twelve Points Retirement Advisors partnerships and signals
Strategic signalScale indicators5 records
Recent moves4 records
Expansion highlights6 records
Twelve Points Retirement Advisors competitors and assessment
Company assessmentDirect peers
- OneDigital: OneDigital is an employee benefits and retirement advisory firm combining benefits, wealth management, and HR consulting. Directly comparable on retirement plan advisory and integrated wealth offerings; Neil Tremblay joined Twelve Points from OneDigital.
- SageView Advisory Group: SageView is a specialized retirement plan advisory and wealth management firm serving corporate plan sponsors and individuals. Directly comparable to Twelve Points on retirement plan advisory focus, 3(38)-style fiduciary services, and integrated wealth offerings.
- Buckingham Strategic Wealth: Buckingham is an RIA providing wealth management, retirement plan services, and family office support to HNW clients. Comparable on fiduciary wealth advisory model and integrated financial planning approach.
- EP Wealth Advisors: EP Wealth Advisors is a multi-team RIA offering wealth management, financial planning, and retirement plan advisory to HNW individuals, families, and businesses. Comparable on integrated wealth and retirement advisory model with similar mid-market positioning.
- CAPTRUST: CAPTRUST is one of the largest independent retirement plan advisory firms in the U.S., providing investment advisory and plan consulting for corporate, government, and nonprofit plans. Directly comparable on retirement plan advisory focus and fiduciary service model.
- FuturePlan by ASC: FuturePlan by ASC is a retirement plan consulting and advisory firm serving plan sponsors of all sizes with investment advisory, plan design, and compliance services. Directly comparable on retirement plan advisory focus and corporate plan sponsor segment.
Broad incumbents
- Empower Retirement: Empower is a large retirement services provider combining recordkeeping, plan administration, and investment advisory for employer-sponsored plans. Comparable in retirement plan advisory space but at substantially larger scale as a recordkeeper.
- Creative Planning: Creative Planning is one of the largest independent RIAs in the U.S., offering wealth management, retirement, tax, and estate services to individuals and businesses. Comparable offering set but at substantially greater scale and national footprint.
- Carson Group: Carson Group is a national RIA platform serving advisors, businesses, and individuals with wealth, retirement, and business advisory services. Comparable on integrated advisory model but operates a partner advisor network rather than direct advisory.
- Mariner Wealth Advisors: Mariner is a large national RIA platform offering wealth advisory, retirement plan services, tax, and estate planning across multiple advisor teams. Overlaps with Twelve Points in retirement plan and HNW wealth segments but at much larger scale.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Twelve Points Retirement Advisors social profiles
Digital presenceTwelve Points Retirement Advisors financial estimates
Financial estimateRevenue estimate
Valuation estimate
Twelve Points Retirement Advisors leadership team
Management profileNumber of profiles
Profiles3 records
Twelve Points Retirement Advisors funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Twelve Points Retirement Advisors 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 Retirement Advisors
What does Twelve Points Retirement Advisors do?
Twelve Points Retirement Advisors is a Registered Investment Adviser that provides wealth advisory, retirement plan advisory, business advisory, and institutional investment advisory services. The firm acts as a 3(38) investment fiduciary for corporate retirement plan sponsors, taking on investment discretion and ERISA fiduciary responsibility. It also serves high-net-worth individuals, business owners, and nonprofit institutions with dedicated wealth and institutional advisory offerings, including a Center for Women sub-brand focused on women's financial planning.
Is Twelve Points Retirement Advisors a public or private company?
Twelve Points Retirement Advisors is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Twelve Points Retirement Advisors founded?
Twelve Points Retirement Advisors was founded in 2014. It employs 1 to 10 people.
Where is Twelve Points Retirement Advisors based?
Twelve Points Retirement Advisors is headquartered in Concord, United States, in the North America region.
How does Twelve Points Retirement Advisors make money?
One revenue line is on record: advisory Fee Revenue.
Who are Twelve Points Retirement Advisors's main competitors?
Direct peers on record are OneDigital, SageView Advisory Group, Buckingham Strategic Wealth, EP Wealth Advisors, CAPTRUST and FuturePlan by ASC. Broad incumbents are Empower Retirement, Creative Planning, Carson Group and Mariner Wealth Advisors.
Does Twelve Points Retirement Advisors have an API?
No public API is recorded for Twelve Points Retirement Advisors.
What industry is Twelve Points Retirement Advisors in?
Twelve Points Retirement Advisors's product category is Financial Advisory. Its primary akta.pro industry code is FSAAACAF, Corporate Retirement Plan Advisory RIAs (ERISA 401(k)/403(b)), with a secondary code of FSAAABAD, Advisory Portfolio Management (Non-Discretionary). Its NAICS code is 523940 and its SIC code is 6282.