We love what we do.
So you can do what
you love.

Most people, unless they grew up wealthy or have had the good luck to stumble upon a true investment management firm, manage their investments through one of the sales-based approaches.

Generally speaking, a planner, a broker, or a big-box company will sell you an investment package that includes a number of mutual funds, or mutual funds plus a mix of commodities and/or real estate investment trusts.

Often, the planner, broker, or financial representative with whom you have a relationship does not have formal expertise in making investment decisions. They may have experience selling product that someone else has created.

If you are working with a firm that creates individual portfolios of stocks and bonds, Two Point believes it is distinguished in two important ways: values and approach.

We are not in this business simply to acquire assets or realize the highest possible revenue from an account. We do the work because it is our passion to find treasures in the stock and bond markets that benefit clients and their loved ones first.

Our investing discipline was developed by founder and CEO Jack McGowan and continuously honed over three decades. Value+Quality(TM) blends two time-tested philosophies into a hybrid methodology.

If you are managing your own money and you love doing it, good for you. But doing it well takes substantial effort, expertise, experience, imagination, and creativity.

If you would like to recapture some of that time for working, sailing, skiing, saving the world, or living your life, Two Point Capital is built to be the next best thing to managing it yourself.

The level of education, post-degree training, and experience among financial planners can vary widely, so it is important to review professional credentials.

Financial planners are paid in a variety of ways. Fee-only planners are paid only by you for their advice. Fee-based fees blend client fees with commissions or incentives. Commission-based planners may offer a free plan because selling product is how they make income.

If you need a financial planner, Two Point recommends finding a good fee-only planner and paying them to create a long-term financial plan tailored to your situation and goals.

These include mutual fund companies, insurance companies, and banks. Examples include Fidelity and Vanguard. They offer a wide array of stock and bond mutual fund choices and may also offer discount brokerage services.

Some create their own products, others resell products created elsewhere, and many do both. In some instances, these companies also act as custodians of client funds.

Management fees for mutual funds can vary widely, and index funds can be a compelling value because their lower management costs can act as a performance boost over time.