Capitect
Capitect is a U.S. fintech SaaS platform that provides performance reporting, client fee billing, and personalized portfolio rebalancing to registered investment advisors, distributed primarily through RIA network partnerships (XYPN, SSG, ACP) and integrations with major custodians, planning tools, and Coinbase.
- Company typePrivate
- Founded2014
- HeadquartersLos Angeles, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Capitect does
Capitect is a privately held U.S. fintech SaaS company, incorporated in Delaware and headquartered in Pasadena, California, that provides a unified portfolio management platform for registered investment advisors (RIAs). Founded in 2014 with a stated thesis of "mass personalization" for wealth managers, the platform bundles performance reporting (daily TWR and IRR with custom benchmarks), asset allocation analysis (powered by Morningstar), client fee billing (AUM, flat-fee, or hybrid with direct custodian fee file exports), personalized portfolio rebalancing (slider-driven models with trade worksheets), account aggregation, document sharing, and a custom-branded client and advisor portal — delivered through a cloud-based REST API architecture at api.capitect.com.
The company's distribution strategy is partnership-led rather than direct-sales-led at scale, with channel relationships spanning RIA advisor networks (XY Planning Network, Alliance of Comprehensive Planners, Shareholders Service Group covering 1,600 RIAs, Zoe Financial), major custodians (Schwab, TD Ameritrade, Altruist, Betterment, Interactive Brokers, my529, SSG), financial planning platforms (MoneyGuidePro, RightCapital, IncomeConductor), CRM systems (Redtail, Salesforce, Wealthbox), risk and analytics tools (Riskalyze, Kwanti, Morningstar), and the Coinbase cryptocurrency exchange. This breadth of integrations, combined with three subscription pricing tiers (Discover Starter at $215/month for up to 10 households, Standard at $385/month for 50 households, and Professional at $500/month for 100+ households with firm-level API access), positions Capitect as a mid-market RIA toolset rather than a high-touch enterprise platform. Additional revenue comes from an account aggregation add-on (starting at $65/month for 50 households), premium personalized rebalancing (quote-based), and data migration services (from $50/month of history), with all plans requiring a one-year commitment.
Operationally, Capitect remains a small team (1–10 employees) with no disclosed institutional investors, funding rounds, or revenue figures. Growth to date has been evidenced through industry award recognition (multi-year WealthManagement.com Wealthies finalist in categories including Rebalancing Technology, Technology Disruptor, Portfolio Architect, Cryptocurrency, and CTO of the Year for Greg Yee) and stated customer milestones such as onboarding over one-third of XY Planning Network members within ~1.5 years of partnership launch. Edwin Choi is identified as co-founder and CEO; no additional management team members are disclosed in the input data. The company is U.S.-only with no stated geographic expansion, and its competitive positioning sits at the intersection of traditional RIA reporting/billing tools and the emerging digital-asset-enabled advisor stack.
Capitect firmographics
Firmographics- Name
- Capitect
- Legal name
- Capitect, Inc.
- Website
- https://capitect.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Capitect is a U.S. fintech SaaS platform that provides performance reporting, client fee billing, and personalized portfolio rebalancing to registered investment advisors, distributed primarily through RIA network partnerships (XYPN, SSG, ACP) and integrations with major custodians, planning tools, and Coinbase.
- Ownership category
- akta.pro rank
Capitect industry classification
Industry- Product category
- Wealth Management Software
- NAICS
- Portfolio Management and Investment Advice (523940), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Fee-Based Advisory (FSAEAAAM)
- akta.pro secondary industry
- Advisory Portfolio Management (Non-Discretionary) (FSAAABAD)
Keywords
Where Capitect is headquartered
LocationHeadquarters
- HQ city
- Los Angeles
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Capitect business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Subscription SaaS — Reporting & Billing Plans: Monthly subscription fees for the core platform, billed per client household tier. Three tiers ranging from $215/month (Starter, up to 10 households) to $500/month for first 100 households (Professional), with additional charges for households beyond the tier limits. Requires a one-year commitment.
- Account Aggregation Add-on: Optional account aggregation add-on starting at $65/month for the first 50 households, available on any plan.
- Historical Data Migration Services: Historical custodian file imports are complimentary; data migration from other reporting systems starts at $50/month of history.
- Personalized Rebalancing: Contact-us pricing for personalized portfolio rebalancing, a premium feature offered on top of base plans.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Discover Starter — $215/month, up to 10 client households |
| Subscription | Monthly | Discover Standard — $385/month, up to 50 client households |
| Subscription | Monthly | Discover Professional — $500/month for first 100 households, +$100/month per additional 50 households |
| Unit Pricing | Monthly | Account Aggregation Add-on — starting at $65/month |
| Subscription | Monthly | Data Migration — from $50/month of history |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Capitect product offering
Product offeringCore offering
Capitect provides a cloud-based SaaS platform for registered investment advisors that delivers performance reporting, client fee billing, personalized portfolio rebalancing, and asset allocation analysis, with multi-custodian account aggregation (including cryptocurrency). The platform is delivered via a web UI, white-labeled client portal, and a REST API, and is sold on tiered monthly subscriptions priced per client household with an annual commitment.
Product overview
Capitect is a unified portfolio management platform for financial advisors offering three integrated modules: Performance Reporting (with daily TWR and IRR metrics, custom benchmarks), Client Fee Billing (AUM/flat fee invoicing with direct billing), and Personalized Rebalancing (model-driven with trade worksheet review). The platform includes Asset Allocation analysis using Morningstar data, Account Aggregation connecting to custodians (Schwab, Altruist, TD Ameritrade, Interactive Brokers, Betterment, SSG, my529) and held-away accounts (Pontera), cryptocurrency accounts (Coinbase), Document Sharing, and a branded Client/Advisor Portal. Pricing offers three tiers (Discover Starter at $215/month for 10 households, Standard at $385/month for 50 households, and Professional at $500/month for 100+ households with firm-level API access), with account aggregation available as an add-on starting at $65/month.
Differentiator
Problem solved
Functional benefit
Products and services
- Performance Reporting
Quantifiable outcome
- Onboarded over one-third of XY Planning Network members within ~1.5 years of initial partnership launch
- +2 more outcomes
Companies that use Capitect
Customer profileNamed customers5 records
Segments2 records
Ideal customer profiles2 records
Capitect technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration20 records
Feature5 records
Capitect partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- RightCapitalcoreCapitect automatically syncs data with RightCapital across custodian and held-away accounts, as well as manually entered assets and liabilities, to streamline the financial planning and investment management process.
- Shareholders Service Group (SSG)coreCapitect's technology made available directly to SSG's 1,600 independent RIAs to help them personalize client portfolios, improve advisor productivity, and enhance the client experience through performance reporting, billing, and rebalancing.
- Alliance of Comprehensive Planners (ACP)minorCapitect's client portal and performance reporting technology integrated into ACP's proprietary comprehensive financial planning service suite to drive efficiencies and enhance client service for ACP's tax-focused advisor community.
- XY Planning Network (XYPN)coreXYPN made Capitect available as a recommended reporting and billing tool to its members. Capitect onboarded over one-third of XYPN members within approximately 1.5 years of the partnership launch.
- Schwab Advisor ServicescoreCapitect connects to custodian feeds from Charles Schwab, enabling RIAs using Schwab as their custodian to aggregate account data, generate performance reports, and export fee/trade files.
- TD Ameritrade InstitutionalcoreCapitect integrates with TD Ameritrade Institutional's platform to serve the 7,000+ independent RIAs who custody assets with TD Ameritrade, enabling account aggregation, performance reporting, and billing.
- AltruistcoreAltruist is the modern custodian for independent RIAs, and Capitect supports custodian feeds from Altruist, enabling advisors using Altruist to aggregate and report on client accounts.
- CoinbasecoreCapitect integrates with Coinbase's open API in read-only mode to pull and integrate client cryptocurrency wallet data, enabling RIAs to include digital assets in performance reporting, billing, and rebalancing.
- MoneyGuidePro (MGP)coreCapitect integrates with Envestnet MoneyGuidePro, one of the leading financial planning platforms, enabling data synchronization across custodian and held-away accounts.
- Zoe FinancialminorZoe Financial is a premier growth network for top-tier financial advisors; Capitect is available as a recommended technology solution within Zoe's advisor ecosystem.
Scale indicators4 records
Recent moves4 records
Expansion highlights5 records
Capitect competitors and assessment
Company assessmentDirect peers
- Oranj: Direct competitor offering account aggregation, performance reporting, client billing, and personalized rebalancing for RIAs. Capitect explicitly targeted Oranj users with a 50% first-year discount to switch platforms.
- Black Diamond (SS&C): Performance reporting and rebalancing platform purpose-built for RIAs, with comparable client-portal, billing, and reporting features — overlapping directly with Capitect's core offering.
- Advyzon: All-in-one RIA platform providing performance reporting, billing, CRM, and portfolio management — directly comparable to Capitect's core modules for small-to-mid advisory firms.
Broad incumbents
- Addepar: Well-funded RIA and family-office platform offering performance reporting, billing, and rebalancing with broader portfolio accounting functionality aimed at higher-end firms — directly overlaps with Capitect's mid-market wedge.
- Orion Advisor Tech: Established portfolio accounting, performance reporting, and rebalancing suite serving a large RIA base. Competes with Capitect for the same advisor workflow but with a much broader product footprint.
- Tamarac (Envestnet): Enterprise RIA platform providing reporting, rebalancing, and billing within Envestnet's broader wealth management stack — a comparable product offering at larger firm scale.
- Morningstar Advisor Workstation: Asset allocation, portfolio analytics, and research platform used by advisors. Capitect leverages Morningstar data, but Morningstar's own Advisor Workstation overlaps on asset allocation and reporting functionality.
Emerging players
- Riskalyze: Risk-alignment platform for advisors integrated with Capitect's rebalancing suite. Adjacent rather than head-to-head, but increasingly competes for the same advisor technology budget.
- RightCapital: Financial planning platform with deep Capitect integration. Competes for advisor mindshare within the same planning-and-reporting workflow, particularly for fee-based advisory firms.
Others
- Altruist: Modern custodian for RIAs and partner of Capitect; while not a direct competitor, Altruist is expanding its own tech stack, making it both a channel partner and a long-term ecosystem risk.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Capitect social profiles
Digital presenceCapitect financial estimates
Financial estimateRevenue estimate
Valuation estimate
Capitect leadership team
Management profileNumber of profiles
Profiles2 records
Capitect funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Capitect M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Capitect
What does Capitect do?
Capitect provides a cloud-based SaaS platform for registered investment advisors that delivers performance reporting, client fee billing, personalized portfolio rebalancing, and asset allocation analysis, with multi-custodian account aggregation (including cryptocurrency). The platform is delivered via a web UI, white-labeled client portal, and a REST API, and is sold on tiered monthly subscriptions priced per client household with an annual commitment.
Is Capitect a public or private company?
Capitect is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Capitect founded?
Capitect was founded in 2014. It employs 1 to 10 people.
Where is Capitect based?
Capitect is headquartered in Los Angeles, United States, in the North America region.
How does Capitect make money?
Four revenue lines are on record. Subscription SaaS — Reporting & Billing Plans are the primary driver. The others are account Aggregation Add-on, historical Data Migration Services and personalized Rebalancing.
Who are Capitect's main competitors?
Direct peers on record are Oranj, Black Diamond (SS&C) and Advyzon. Broad incumbents are Addepar, Orion Advisor Tech, Tamarac (Envestnet) and Morningstar Advisor Workstation. Emerging players are Riskalyze and RightCapital. Altruist is listed as an others.
Does Capitect have an API?
Yes. Capitect offers a REST API for programmatic access to client and account data. The API enables developers to retrieve client lists, search clients by name, and access account information including balances and holdings. Authentication uses OAuth2 with Consumer Capid/API Key for credentials and User Capid/User API Key for user authorization. Access tokens expire after one hour. The API endpoint is https://api.capitect.com. Firm-level API access is available on the Discover Professional pricing plan. Developer documentation is at developers.capitect.com.
What industry is Capitect in?
Capitect's product category is Wealth Management Software. Its primary akta.pro industry code is FSAEAAAM, Fee-Based Advisory, with a secondary code of FSAAABAD, Advisory Portfolio Management (Non-Discretionary). Its NAICS code is 523940 and its SIC code is 6282.