{"url":"https://nivawealth.com/firms/town-capital-299341","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/299341","regulatoryAum":168804000,"crd":"299341","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6885396","suffix":null,"lastName":"Townsley","firstName":"Ryan","middleName":"Eric"}],"total":1,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2025-04-17","regulatoryAum":121933927,"clients":131,"employees":3,"offices":1},{"filedOn":"2026-06-11","regulatoryAum":168804000,"clients":156,"employees":2,"offices":1}],"secFileNumber":"801-132806","legalName":"Town Capital, LLC","displayName":"Town Capital","slug":"town-capital-299341","website":"https://towncapitalllc.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"xUrl":"https://twitter.com/RyanTownCapital","founded":null,"organization":"Maryland limited liability company","fiscalYearEnd":"December","headquarters":{"street":"112 W Pennsylvania Ave, Ste 301","city":"Bel Air","state":"MD","stateName":"Maryland","country":"United States","postalCode":"21014"},"tradeNames":[],"registration":{"secApproved":"19 May 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1082076.923076923,"staff":{"employees":2,"advisory":2,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":168804000,"discretionary":168804000,"discretionaryAccounts":681,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":15},"clientTypes":[{"label":"Individuals (other than HNW)","clients":102,"regulatoryAum":48239000},{"label":"High-net-worth individuals","clients":54,"regulatoryAum":120565000}],"feePrograms":[{"role":"main","program":"Investment advisory services","feeBasis":"marginal","fee_tiers":[{"to":500000,"pct":1.25,"from":0},{"to":1000000,"pct":1,"from":500000},{"to":2000000,"pct":0.9,"from":1000000},{"to":5000000,"pct":0.8,"from":2000000},{"to":20000000,"pct":0.5,"from":5000000},{"to":null,"pct":0.3,"from":20000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1043104","versionId":1043104,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-04-28","documentName":"TOWN CAPITAL LLC  BROCHURE","fee_rate_low":0.3,"fee_rate_high":1.25,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial planning","summary":"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.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1043104","versionId":1043104,"submittedOn":"2026-04-28","documentName":"TOWN CAPITAL LLC  BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T16:12:36.797316+00:00","documents":[{"name":"TOWN CAPITAL LLC  BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1043104","versionId":1043104,"submittedOn":"2026-04-28"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":168804000}],"custodyNote":"Town Capital has custody of $74.5M in client assets for 85 clients.","otherCustodians":[],"leadership":[{"name":"Ryan Townsley","title":"Chief Compliance Officer","crd":"6885396"},{"name":"Ryan Townsley","title":"Owner / Managing Member","crd":"6885396"}],"ownership":[{"label":"Ryan Townsley","detail":"Owner / managing member in the 75% or more ownership band and a control person, since October 2018. 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The fee is billed in arrears and is negotiable.","source":"TOWN CAPITAL LLC  BROCHURE, filed 28 April 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Town Capital use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Town Capital have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Town Capital invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Town Capital?","answer":"Town Capital’s direct owner is Ryan Townsley (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 11 June 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Town Capital get paid?","answer":"Town Capital is paid through a percentage of assets under management and fixed fees. 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Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}