Ernest Garrett
Towneley Capital Management · Laguna Hills, California
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.
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Specialties
Who they serve
- Retirees
- Pre-retirees
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 |
| Assets under management | $1.09B across 424 accounts |
| Credentials | CFP |
| SEC registration | Investment adviser representative in CA, TX · CRD 3187574 |
| Exams passed | Series 63 (1999) |
| Firm size | 12 employees |
| Disclosures | None reported |
| Website | www.towneley.com |
| Profile |
How Ernest's firm compares
- Towneley Capital Management's average account is about $2.6 million, from its Form ADV (assets managed divided by 424 accounts).
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Questions about Ernest
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- SEC adviser records : 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
- Towneley Capital Management website : specialties, clients served, and fees, checked October 30, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
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