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 Frederico's headshot

Francesca Federico

Co-Founder and President

Manny Frangiadakis

Co-Founder and Principal

Chris Cahill

Principal, Family Office Services

Upcoming Webinar

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30
April

Stronger Than Ever: How to Age Well and Feel Amazing

As our bodies change, our wellness routines should evolve with them. Join us for an inspiring webinar featuring PJ Wren - certified in Fitness Training for the Older Adult and named Canada’s Top Instructor in 2025. She’ll share practical, easy-to-follow strategies to help you build strength, improve mobility, and feel more confident as you age.

Don’t miss this opportunity to invest in your health and well-being. Register now, and visit Over Fifty Fitness for a preview of what’s to come!

Register Now for Stronger Than Ever: How to Age Well and Feel Amazing

RecordedWebinars

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Real Estate Essentials: Buying, Selling & Renting with Confidence

This session simplifies the complex world of buying, selling, and renting a home. We’ll cover credit and affordability, down payments and closing costs, the mortgage and inspection process, how interest rates shape...

Watch Real Estate Essentials: Buying, Selling & Renting with Confidence Now

Staying Financially Grounded When Life Gets Messy

Life’s twists and turns can impact your finances in unexpected ways. This webinar prepares women with practical strategies to stabilize and reset your finances through major life changes from career shifts and...

Watch Staying Financially Grounded When Life Gets Messy Now

Make Your Retirement Fulfilling – Follow Your Passion

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...

Watch Make Your Retirement Fulfilling – Follow Your Passion Now

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

Insights

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Retirement Plan Advisory

Plan Design Strategies to Mitigate 401(k) Compliance Testing Failures

One of the most common compliance challenges facing traditional 401(k) plans is failing the Actual Deferral Percentage (ADP) test. When this occurs, highly compensated employees (HCEs) may be required to receive refunds...

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Business Advisory

2026 Q1 Market Review

The first quarter of 2026 marked a decisive shift in the global investment landscape, as markets transitioned away from the liquidity-fueled optimism that characterized much of 2025, and into a more fragile,...

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Business Advisory

Don’t Wait for the Sale: Why Auto Dealers Need an Intentional Advisory Team Now

As an auto dealer, you have spent years—often decades—building a successful business. You understand inventory, OEM relationships, facilities, and people. You’ve created meaningful enterprise value through discipline and execution. Yet when it...

Read More about Don’t Wait for the Sale: Why Auto Dealers Need an Intentional Advisory Team Now