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Town Capital

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Client assets under management

$168,804,000

Clients

156

35% high-net worth

Advisors

2

of 3 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

More info

Clients per advisor

78

High

Average account size

$1,082,077

About

Town Capital is an independent, fee‑only wealth management firm that primarily serves professionals, business owners, and a mix of individual, trust, and charitable clients. It offers comprehensive financial planning and discretionary investment management, including retirement planning, business planning and employee‑benefits support, estate‑planning coordination, insurance review, and cash‑flow and education‑savings planning.

The firm emphasizes a customized, goals‑based investment approach that constructs portfolios to deliver specific client cash‑flow outcomes (for example, retirement income) rather than to track market benchmarks. Town Capital deploys a mix of in‑house portfolio design, unaffiliated independent managers, and a third‑party platform (Pontera) to manage held‑away employer‑plan assets, with ongoing oversight of those relationships.

A distinguishing operational feature is the firm’s offering of free public seminars and workshops on personal finance and investor topics, which the brochure describes as general‑education events and notes are uncommon among peers. The brochure also highlights an estate‑planning referral network, the use of standing letters of authorization for certain transfers, and recent material updates including the firm’s application for SEC registration.

Client services

Financial planning Portfolio management Educational seminars or workshops Facilitating estate planning services

Expertise

Retirement income strategy Cash flow / budgeting Retirement plans for business owners (SEP, solo 401k) Tax-loss harvesting

Occupation focus

Founder/Business Owner Executive

Fee options

Fixed

Financial planning fees typically range from $1,200 to $8,000, can be one-time or ongoing, varying by complexity.

Percentage

$0 - $500,000: 1.25% annually $500,001 - $1,000,000: 1.00% annually $1,000,001 - $2,000,000: 0.80% annually $2,000,001+: 0.50% annually

Other

Fee-only: Fee-only wealth management services with negotiable fees; no commissions.

Main office location

Town Capital

112 W Pennsylvania Ave, Ste 301

Bel Air MD 21014, United States

Number of offices

1

Most active in

More info

Delaware · Maryland · Pennsylvania · Texas

Disclosures

More info

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

More info

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

Facebook X Website 410-864-0209

Advisors at this firm

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Amanda E

Series 63, Series 65

Bel Air, MD

Town Capital

Amanda Eimers is a financial advisor at Town Capital with Series 63 and Series 65 licenses and three years of industry experience. Her prior work includes roles at The Kelly Group and Wells Fargo, among others. Town Capital serves professionals, business owners, individual investors, corporations, trusts, estates, and charitable organizations with fee-only comprehensive financial planning and discretionary investment management. The firm follows a customized, goals-based investment approach focused on client-specific cash-flow outcomes and offers free public seminars on personal finance and investing.

Retirement income strategy Cash flow / budgeting Retirement plans for business owners (SEP, solo 401k) Tax-loss harvesting Founder/Business Owner Executive

Ryan T

CFP®

Bel Air, MD

Town Capital

If you are analytical, love details, and have higher standards and expectations for your financial advisor, we should talk. Our service model is high touch, very personalized, and as detailed oriented as you can get. We specialize heavily in retirement income planning and customization. We also pride ourselves in our very in depth, proactive tax planning. We are veteran-owned, real fiduciaries, and would love the opportunity to show you what we can do.

General retirement planning Engineering Professional Scientific Professional Baby Boomers (Born 1946-1964)
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