# Ernest Garrett

> Ernest Garrett is a fee-only financial advisor at Towneley Capital Management in Laguna Hills, California, who holds the CFP credential. Ernest focuses on retirement planning. Towneley Capital Management reports charging a percentage of assets and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/ernest-garrett/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Towneley Capital Management
- **Based in:** Laguna Hills, California
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $1.09B across 424 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning
- **Works with:** Retirees, Pre-retirees
- **CRD:** 3187574 (https://adviserinfo.sec.gov/individual/summary/3187574)
- **SEC registration:** Investment adviser representative in CA, TX
- **Exams passed:** Series 63 (1999)
- **Firm size:** 12 employees
- **Disclosures:** None reported
- **Website:** https://www.towneley.com

## Frequently asked questions

### Is Ernest Garrett a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Ernest holds no broker registration, and Towneley Capital Management reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Ernest charge for financial advice?

Ernest's firm, Towneley Capital Management, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Where is Ernest Garrett based?

Ernest Garrett is based in Laguna Hills, California.

### What does Ernest specialize in?

Ernest's specialties include retirement planning. Ernest works with retirees and pre-retirees.

### What credentials does Ernest Garrett hold?

Ernest Garrett holds the CFP credential.

### Is Ernest Garrett registered with the SEC?

Yes. Ernest Garrett is registered as an investment adviser representative in CA and TX (CRD 3187574), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Towneley Capital Management manage?

Towneley Capital Management reports $1.09B across 424 accounts in assets under management.

### How do I contact Ernest Garrett?

Through Ernest's website, www.towneley.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/3187574): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.towneley.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.