Twelve Points

It’s our mission to become your most trusted advisor.

At Twelve Points, we are more than advisors - we are Legacy Architects, partnering with families, business owners, companies, and non-profits to design, build, and protect the life and impact they’ve worked so hard to create.

Wealth Advisory

I am looking for wealth management services for myself or my family.

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Retirement Plan Advisory

I am looking for retirement services for my company or organization.

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Business Advisory

I am ready to maximize profits, lead with purpose, and leaving a lasting legacy.

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Institutional InvestmentAdvisory

I am looking for institutional investment guidance for my nonprofit or corporation.

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Guided by purpose.

Driven to build
lasting impact.

Meet the Team

Dave Clayman

Co-Founder and CEO

Francesca Federico

Co-Founder and President

Manny Frangiadakis

Co-Founder and Principal

Chris Cahill

Principal, Family Office Services

Upcoming Webinar

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March

Make Your Retirement Fulfilling – Follow Your Passion

Join us on March 25th for an engaging and reflective webinar where we will share practical techniques and guided exercises to help you explore, define, and reconnect with what truly motivates you. This session is designed to help you envision a retirement that is deeply meaningful.

RecordedWebinars

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The Taxman Cometh: Strategies to Minimize Your Contribution to the Government

In this session, we’ll break down the everyday decisions that influence how much you owe in taxes—from how you save through your paycheck to navigating job transitions, equity awards, charitable gifts, and...

Watch The Taxman Cometh: Strategies to Minimize Your Contribution to the Government Now

The Invisible Risks of Wealth You Shouldn’t Ignore

We will help you uncover the risks that quietly threaten even the most thoughtful financial plans. We will explore some unforeseen issues that can put hard earned wealth at risk. Learn to...

Watch The Invisible Risks of Wealth You Shouldn’t Ignore Now

From Allowance to Independence: Raising Financially Fit Kids

Give your children the tools to make smart money choices for life. This webinar guides parents on teaching budgeting, saving, spending wisely, and building financial confidence from childhood through young adulthood.

Watch From Allowance to Independence: Raising Financially Fit Kids Now

Your Life, Your Wealth: A Decade-by-Decade Financial Roadmap for Women

Explore the key financial moves to make at every stage of life. From building a strong foundation in your 20s to confidently navigating retirement in your 60s and beyond, this session provides...

Watch Your Life, Your Wealth: A Decade-by-Decade Financial Roadmap for Women Now

Insights

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Wealth Advisory

Protecting Your Wealth and Your Privacy: Why Trusts Matter

Written By: Deb Cartisser Trusts are often misunderstood, yet they are one of the most powerful and flexible tools available for protecting wealth, directing legacy, and creating clarity for the people you...

Retirement Plan Advisory

Roth vs. Traditional 401(k) Contributions: Taxes Today, Flexibility Tomorrow

Written by: Greg Phillips, AIF®, CPFA®, C(k)P® One of the most common questions employees ask about their 401(k) is whether to contribute to Roth or pretax. Many people make this decision once, often...

Retirement Plan Advisory

Understanding the New Annual Discretionary Match Notice Requirement for 401(k) Plans

For many 401(k) plan sponsors, the calendar year brings familiar tasks: preparing Form 5500, updating notices, and communicating plan changes to participants. One requirement that has gained attention recently is the annual...