Two Point Capital Management provides financial planning, portfolio management for individuals and small businesses, and portfolio management for institutions.
Two Point Capital Management reports 106 clients. They include 80 high-net-worth individuals and 26 individual clients. Of its assets, 100.0% ($311M across 217 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 25% | 4% |
| High-net-worth individuals | 75% | 96% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 26 | $14M | 4.5% | $537K |
| High-net-worth individuals | 80 | $297M | 95.5% | $3.71M |
| Total | 106 | $311M | 100% | $2.93M |
- Clients
- 26
- Regulatory AUM
- $14M
- AUM share
- 4.5%
- Avg. per client
- $537K
- Clients
- 80
- Regulatory AUM
- $297M
- AUM share
- 95.5%
- Avg. per client
- $3.71M
Total
- Clients
- 106
- Regulatory AUM
- $311M
- AUM share
- 100%
- Avg. per client
- $2.93M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
Two Point Capital Management charges 0.75%–1.00% for its Investment management services. The brochure does not state whether the rate is annual. The fee is billed in advance.
Fee details and sources
John McGowan owns 75% or more of Two Point Capital Management. The leadership team of Two Point Capital Management includes Chief Compliance Officer Paul Spindler. It has 6 employees, 3 of them in advisory roles.
Staff
- 6 employees
- 3 in advisory functions
- 2 state-registered reps
- Owns 75% or more of Two Point Capital Management, Inc.
John McGowan
Control person · since January 2019
Two Point Capital Management’s regulatory assets grew 1.6× from $199M (March 2021) to $311M (March 2026); clients fell from 125 to 106 and employees rose from 3 to 6.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Mar 2026March 2026 | $311M | 106 | 6 | 1 |
| Jun 2025June 2025 | $304M | 102 | 6 | 1 |
| Mar 2024March 2024 | $273M | 101 | 5 | 1 |
| Feb 2023February 2023 | $223M | 97 | 5 | 1 |
| Mar 2022March 2022 | $256M | 92 | 5 | 1 |
| Mar 2021March 2021 | $199M | 125 | 3 | 1 |
Besides its headquarters, Two Point Capital Management has 0 offices, with 1 listed address in 1 state.
New York · 1 listed address
- 4 S Main Street, PittsfordHQ
Contact and registration details
- Legal name
- Two Point Capital Management, Inc.
- Headquarters
- 4 S Main Street, Pittsford, NY 14534
- Phone
- 585-586-1731
- SEC file
- 801-78625
- Structure
- New York corporation
- Fiscal year end
- December
Two Point Capital Management’s named custodian for separately managed accounts is Fidelity ($311M). Two Point Capital Management does not have custody of client assets.
- FidelityFidelity Brokerage Services LLC · Smithfield, RI · $311M100%
At year end, Two Point Capital Management’s separately managed accounts were mostly in stocks (80%) and cash (11%). Its reported 13F holdings for the quarter ended 30 June 2026 total $248M across 30 positions; the largest are Alphabet Inc. (9.2%), D R Horton Inc. (8.6%) and Cummins Inc. (7.9%).
What the accounts hold
- Stocks80%
- Bonds9%
- U.S. government and agency bonds8%
- State and local bonds1%
- Cash11%
How many clients does Two Point Capital Management have?
Two Point Capital Management has 106 clients and manages $311 million for them, as of March 2026. They include 80 high-net-worth individuals and 26 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 10 March 2026
What services does Two Point Capital Management offer?
Two Point Capital Management provides financial planning, portfolio management for individuals and small businesses, and portfolio management for institutions.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Two Point Capital Management charge?
Two Point Capital Management charges 0.75%–1.00% for its Investment management services. The brochure does not state whether the rate is annual. The fee is billed in advance.
Which custodians does Two Point Capital Management use?
Two Point Capital Management’s separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $311M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 10 March 2026
How many financial advisors does Two Point Capital Management have?
Two Point Capital Management has 2 investment adviser representatives registered with state securities authorities, out of 6 employees, and 3 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 Two Point Capital Management invest in?
At the end of its last fiscal year, Two Point Capital Management’s separately managed accounts held 80% exchange-traded equities, 11% cash and equivalents, 8% U.S. government and agency bonds and 1% state and local bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Two Point Capital Management?
Two Point Capital Management’s direct owner is John McGowan (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 10 March 2026
How does Two Point Capital Management get paid?
Two Point Capital Management is paid through a percentage of assets under management. 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 Two Point Capital Management?
Two Point Capital Management’s main office is at 4 S Main Street, Pittsford, NY 14534. Its phone number is 585-586-1731. Its website is twopointcapitalmanagement.com.