Advisor at Twelve Points Wealth Management
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Firm
Twelve Points Wealth Management
Location
Concord, MA 01742
Credentials
Series 66
Industry experience
2 years
William Koshivas is a financial advisor at Twelve Points Wealth Management with two years of industry experience. He holds the Series 66 designation and has previously worked at Merrill Lynch, PIERCE, FENNER & SMITH INCORPORATED, STEER Partners, and Liberty Mutual. Outside of finance, he is involved with Yell-O-Glow Corporation, a wholesale distributor for restaurants and grocery stores, where he works as a warehouse associate. Twelve Points Wealth Management provides investment advisory services, financial planning, and retirement-plan consulting to a diverse client base, including high net worth individuals, pension plans, trusts, corporations, and family offices. The firm employs a tactical allocation strategy that integrates fundamental and technical analysis, with ongoing portfolio supervision and regular, detailed communications.
Based on Twelve Points Wealth Management
Based on Twelve Points Wealth Management
Minimum fixed fee for financial planning is $5,000, negotiable
$0 - $5,000,000: 1.00%/Negotiable (wrap program) $5,000,001 - $15,000,000: 0.60%/Negotiable (wrap program) $15,000,001+: 0.40%/Negotiable (wrap program) $0 - $1,000,000: 0.500% (retirement plan advisory) $1,000,001 - $5,000,000: 0.400% (retirement plan advisory) $5,000,001 - $10,000,000: 0.250% (retirement plan advisory) $10,000,001 - $20,000,000: 0.200% (retirement plan advisory) $20,000,001 - $50,000,000: 0.100% (retirement plan advisory) $50,000,001 - $100,000,000: 0.050% (retirement plan advisory) $100,000,001 - $500,000,000: 0.025% (retirement plan advisory) $500,000,001 - $1,000,000,000: 0.010% (retirement plan advisory) $1,000,000,001+: Negotiable (retirement plan advisory)
$400 to $1,000 per hour depending on planner, negotiable
Account minimum: $500,000 Minimum fee: Minimum annual fee of $5,000 for wrap program and financial planning services Fee-only: Financial planning fixed fees starting at $5,000; hourly fees between $400 and $1,000
9 Pond Lane, Suite 3 A
Concord, MA 01742
Massachusetts · Texas
Twelve Points Wealth Management
2025 - Present (1 year)
Merrill
2022 - 2025 (3 years)
STEER Partners
2021 - 2021 (1 year)
STEER Partners
2020 - 2020 (1 year)
Liberty Mutual
2019 - 2019 (1 year)
Northeastern University
2017 - 2021 (4 years)
Yell-O-Glow Corporation
2015 - Present (11 years)
Ipswich High School
2013 - 2017 (4 years)
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is active or affiliated with:
Broker-dealer / trader
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Other specialized services
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Is not active or affiliated with:
Insurance agent
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Bank
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Trust company
They provide trust and estate administration services, typically for separate fees.
Fund sponsor
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Accountant / CPA / tax prep
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Lawyer
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Real estate agent
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