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, CEO, and CCO

Francesca Federico

Co-Founder and President

Manny Frangiadakis

Co-Founder and Principal

Chris Cahill

Principal, Family Office Services

Upcoming Webinar

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October

New Paths Ahead: Confidently Navigating Late Career Change

Late-career changes can be challenging – and empowering! Learn from a career coach and women who’ve successfully made the leap and get inspired to take your next career step with confidence.

RecordedWebinars

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Evaluating Your Investment Portfolio: What Every Investor Should Know

Your investment portfolio doesn’t have to be confusing! Learn what to focus on, what to watch out for, and how to identify potential smart adjustments to help you stay on track for...

Watch Evaluating Your Investment Portfolio: What Every Investor Should Know Now

Financial Empowerment for Women: A Practical Guide to Confident Money Decisions

Women face unique financial challenges—but also possess powerful strengths when it comes to planning, prioritizing, and investing for the long term. This session is designed to help women build confidence with money...

Watch Financial Empowerment for Women: A Practical Guide to Confident Money Decisions Now

Preparing to Age Successfully

We will provide clear guidance for creating a supported and vibrant life as you grow older. You will learn the key focus areas that shape quality of life and the practical steps...

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

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 Now

Insights

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Wealth Advisory

2026 Q3 Market Review

Download the PDF The third quarter of 2026 was shaped by three forces: a re-escalation of the Iran conflict that reversed the prior quarter’s ceasefire, an historic Treasury bond selloff that...

Stop Guessing Your Budget

How to Find Your Real Spending Categories & Patterns Did you know? Most people underbudget by 20% to 40% when guessing monthly expenses! Small daily habits and recurring subscriptions disappear into the...

Retirement Plan Advisory

Planning for Technology & Other Future Costs

Three Retirement Cost Considerations That Most Retirees Don’t Plan For 1. How Do Spending Rates Change During Retirement? Several studies have examined how retirees’ spending changes over time. The common belief is...