Town Capital provides financial planning, portfolio management for individuals and small businesses, selecting other managers, and educational seminars. Financial planning was provided to 101–250 clients last fiscal year.
Town Capital reports 156 clients. They include 102 individual clients and 54 high-net-worth individuals. Of its assets, 100.0% ($169M across 681 accounts) are managed with discretion. It advised 15 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 65% | 29% |
| High-net-worth individuals | 35% | 71% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 102 | $48.2M | 28.6% | $473K |
| High-net-worth individuals | 54 | $121M | 71.4% | $2.23M |
| Total | 156 | $169M | 100% | $1.08M |
- Clients
- 102
- Regulatory AUM
- $48.2M
- AUM share
- 28.6%
- Avg. per client
- $473K
- Clients
- 54
- Regulatory AUM
- $121M
- AUM share
- 71.4%
- Avg. per client
- $2.23M
Total
- Clients
- 156
- Regulatory AUM
- $169M
- AUM share
- 100%
- Avg. per client
- $1.08M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 15
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Town Capital charges 0.30%–1.25% a year for its Investment advisory services. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$500K | 1.25% |
| $500K–$1M | 1.00% |
| $1M–$2M | 0.90% |
| $2M–$5M | 0.80% |
| $5M–$20M | 0.50% |
| $20M and above | 0.30% |
Fee details and sources
Other fees
- Financial planning
- Financial planning is billed separately, typically $0 to $5,000 alongside an AUM account, or $1,200 to $8,000 as a fee-for-planning engagement.
Ryan Townsley owns 75% or more of Town Capital. The leadership team of Town Capital includes Chief Compliance Officer Ryan Townsley. It has 2 employees.
Leadership
Ryan TownsleyChief Compliance Officer- Ryan TownsleyOwner / Managing Member
Investment adviser representatives
1 representatives listed in the SEC register as of 9 October 2026.
Staff
- 2 employees
- 2 in advisory functions
- 2 state-registered reps
- Owns 75% or more of Town Capital, LLC
Ryan Townsley
Control person · since October 2018
Town Capital’s regulatory assets grew from $122M (April 2025) to $169M (June 2026); clients rose from 131 to 156 and employees fell from 3 to 2.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| June 2026 | $169M | 156 | 2 | 1 |
| April 2025 | $122M | 131 | 3 | 1 |
Besides its headquarters, Town Capital has 0 offices, with 1 listed address in Maryland.
Maryland · 1 listed address
- 112 W Pennsylvania Ave, Ste 301, Bel AirHQ
Contact and registration details
- Legal name
- Town Capital, LLC
- Headquarters
- 112 W Pennsylvania Ave, Ste 301, Bel Air, MD 21014
- Website
- towncapitalllc.com
- Phone
- 410-864-0209
- SEC file
- 801-132806
- Structure
- Maryland LLC
- Fiscal year end
- December
Town Capital uses Charles Schwab ($169M) as custodian for its separately managed accounts. Town Capital has custody of $74.5M in client assets for 85 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $169M100%
At year end, Town Capital’s separately managed accounts were mostly in funds (85%) and stocks (10%). Its reported 13F holdings for the quarter ended 30 June 2026 total $158M across 75 positions; the largest are iShares TR (19.1%), Blackrock ETF Trust (8.6%) and SPDR Series Trust (7.3%).
What the accounts hold
- Stocks10%
- Funds85%
- Bonds3%
- Cash2%
Reported 13F holdings
- $158M
- Reported 13F value
- 75
- Positions
- 65.0%
- In the 10 largest
- +27.5%
- Value vs. prior quarter
- iShares TR · Core S&P500 ETF19.1%
- Blackrock ETF Trust · Isha IN Ctry ETF8.6%
- SPDR Series Trust · ST Str P500grw7.3%
- Blackrock ETF Trust · iShares US Equit6.9%
- SPDR Series Trust · ST Str P500val6.0%
- Blackrock ETF Trust · Isha I IN TE ETF4.2%
- Wisdomtree TR · Floatng Rat Trea4.2%
- SPDR Series Trust · ST Lon Treas ETF3.0%
- iShares TR · MSCI USA Mmentm3.0%
- Blackrock ETF Trust · Isha LA Core ETF2.6%
Together, the ten largest are 65.0% of reported value.
How many clients does Town Capital have?
Town Capital has 156 clients and manages $169 million for them, as of June 2026. They include 102 individual clients and 54 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 11 June 2026
What services does Town Capital offer?
Town Capital provides financial planning, portfolio management for individuals and small businesses, selecting other managers, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Town Capital charge?
Town Capital charges 0.30%–1.25% a year for its Investment advisory services. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable.
Which custodians does Town Capital use?
Town Capital’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $169M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 11 June 2026
How many financial advisors does Town Capital have?
Town Capital has 2 investment adviser representatives registered with state securities authorities, out of 2 employees, and 2 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Town Capital invest in?
At the end of its last fiscal year, Town Capital’s separately managed accounts held 85% registered funds (mutual funds, ETFs, BDCs), 10% exchange-traded equities, 3% U.S. government and agency bonds and 2% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Town Capital?
Town Capital’s direct owner is Ryan Townsley (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 11 June 2026
How does Town Capital get paid?
Town Capital is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Town Capital?
Town Capital’s main office is at 112 W Pennsylvania Ave, Ste 301, Bel Air, MD 21014. Its phone number is 410-864-0209. Its website is towncapitalllc.com.