Towneley Capital Management provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, and pension consulting. Financial planning was provided to 26–50 clients last fiscal year.
Towneley Capital Management reports 240 clients. They include 93 individual clients, 61 high-net-worth individuals and 61 other clients. Of its assets, 100.0% ($1.09B across 424 accounts) are managed with discretion. Of its clients, 1% are outside the U.S. It advised 2 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 39% | 5% |
| High-net-worth individuals | 25% | 21% |
| Pension and profit-sharing plans | 2% | 3% |
| Charitable organizations | 6% | 49% |
| Insurance companies | <1% | 2% |
| Other client typesCorporations and other businesses; Other | 27% | 20% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 93 | $51.8M | 4.7% | $557K |
| High-net-worth individuals | 61 | $231M | 21.1% | $3.78M |
| Pension and profit-sharing plans | 5 | $32.3M | 3.0% | $6.45M |
| Charitable organizations | 15 | $537M | 49.2% | $35.8M |
| Insurance companies | Fewer than 5 | $21.1M | 1.9% | $21.1M |
| Corporations and other businesses | Fewer than 5 | $29.9M | 2.7% | $7.46M |
| Other | 61 | $190M | 17.4% | $3.12M |
| Total | 240 | $1.09B | 100% | — |
- Clients
- 93
- Regulatory AUM
- $51.8M
- AUM share
- 4.7%
- Avg. per client
- $557K
- Clients
- 61
- Regulatory AUM
- $231M
- AUM share
- 21.1%
- Avg. per client
- $3.78M
- Clients
- 5
- Regulatory AUM
- $32.3M
- AUM share
- 3.0%
- Avg. per client
- $6.45M
- Clients
- 15
- Regulatory AUM
- $537M
- AUM share
- 49.2%
- Avg. per client
- $35.8M
- Clients
- Fewer than 5
- Regulatory AUM
- $21.1M
- AUM share
- 1.9%
- Avg. per client
- $21.1M
- Clients
- Fewer than 5
- Regulatory AUM
- $29.9M
- AUM share
- 2.7%
- Avg. per client
- $7.46M
- Clients
- 61
- Regulatory AUM
- $190M
- AUM share
- 17.4%
- Avg. per client
- $3.12M
Total
- Clients
- 240
- Regulatory AUM
- $1.09B
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 1%
- Clients advised without assets under management last fiscal year
- 2
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 26–50
Towneley Capital Management is paid through a percentage of assets under management and fixed fees (other than subscription fees); its fees and minimums are set out in its brochures on the SEC website.
The TCM Employee Stock Ownership Trust owns 75% or more of Towneley Capital Management. The leadership team of Towneley Capital Management includes President Ernest Garrett and Chief Operating Officer Tracy Kuntz. It has 12 employees, 8 of them in advisory roles.
Staff
- 12 employees
- 8 in advisory functions
- 7 state-registered reps
- Owns 75% or more of Towneley Capital Management, Inc.
The TCM Employee Stock Ownership Trust
Control person · since December 2013
Miguel Paredes
Trustee · Control person · since December 2018
- Owns 10% to 25% of Towneley Capital Management, Inc.
Manastee River Revocable Trust
since December 2013
Wesley McCain
Trustee · Control person · since July 1979
Towneley Capital Management’s regulatory assets grew from $849M (March 2021) to $1.09B (April 2026); clients rose from 167 to 240 and employees fell from 14 to 12.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Apr 2026April 2026 | $1.09B | 240 | 12 | 1 |
| Apr 2025April 2025 | $1.02B | 199 | 13 | 1 |
| May 2024May 2024 | $882M | 203 | 13 | 1 |
| Apr 2023April 2023 | $819M | 204 | 13 | 1 |
| Jun 2022June 2022 | $954M | 201 | 13 | 1 |
| Mar 2021March 2021 | $849M | 167 | 14 | 3 |
Besides its headquarters, Towneley Capital Management has 0 offices, with 1 listed address in 1 state.
California · 1 listed address
- 23197 La Cadena Drive, Suite 103, Laguna HillsHQ
Contact and registration details
- Legal name
- Towneley Capital Management, Inc.
- Headquarters
- 23197 La Cadena Drive, Suite 103, Laguna Hills, CA 92653
- Website
- towneley.com
- Phone
- 949-837-3580
- SEC file
- 801-78957
- Structure
- Delaware corporation
- Fiscal year end
- December
Towneley Capital Management’s named custodian for separately managed accounts is Charles Schwab ($1.03B). Towneley Capital Management has custody of $411M for 104 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Diego, CA · $1.03B100%
At year end, Towneley Capital Management’s separately managed accounts were mostly in funds (96%).
What the accounts hold
- Funds96%
- Bonds2%
- U.S. government and agency bonds1%
- Investment grade corporate bonds1%
- Cash2%
How many clients does Towneley Capital Management have?
Towneley Capital Management has 240 clients and manages $1.09 billion for them, as of April 2026. They include 93 individual clients, 61 high-net-worth individuals and 61 other clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 6 April 2026
What services does Towneley Capital Management offer?
Towneley Capital Management provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, and pension consulting.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does Towneley Capital Management use?
Towneley Capital Management’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Diego, CA), with $1.03B. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 6 April 2026
How many financial advisors does Towneley Capital Management have?
Towneley Capital Management has 7 investment adviser representatives registered with state securities authorities, out of 12 employees, and 8 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 Towneley Capital Management invest in?
At the end of its last fiscal year, Towneley Capital Management’s separately managed accounts held 96% registered funds (mutual funds, ETFs, BDCs), 2% cash and equivalents, 1% U.S. government and agency bonds and 1% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Towneley Capital Management?
Towneley Capital Management’s direct owners are Manastee River Revocable Trust (10% to 25%) and the TCM Employee Stock Ownership Trust (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 6 April 2026
How does Towneley Capital Management get paid?
Towneley Capital Management 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 Towneley Capital Management?
Towneley Capital Management’s main office is at 23197 La Cadena Drive, Suite 103, Laguna Hills, CA 92653. Its phone number is 949-837-3580. Its website is towneley.com.