Capital Advantage
Capital Advantage is an independently-owned, fee-only SEC-registered RIA in Walnut Creek, CA managing over $1.1B for high-net-worth pre-retirees, retirees, women, and Kaiser/TPMG physicians, offering integrated investment management, financial planning, and retirement planning services.
- Company typePrivate
- Founded1984
- HeadquartersLafayette, United States
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Capital Advantage does
Capital Advantage, Inc. is an independently-owned, fee-only SEC-registered investment advisor (RIA) founded in 1984 and headquartered in Walnut Creek, California. The firm provides personalized investment management, financial planning, and retirement planning services to high-net-worth individuals with a stated minimum of $500,000 in investable assets, managing over $1.1 billion in assets under management as of September 30, 2024. Its primary client segments are pre-retirees, retirees, women navigating life transitions such as divorce or widowhood, and a specialized vertical of Kaiser Permanente employees and The Permanente Medical Group (TPMG) physicians, where the firm leverages deep expertise in non-qualified retirement plans and early retirement strategies.
The firm operates three integrated service lines — Investment Management, Financial Planning, and Retirement Planning — bundled under a tiered AUM-based fee structure that starts at 1.00% on the first $2 million and declines to 0.50% on balances above $10 million, billed quarterly in arrears with a $1,125 minimum quarterly fee. Financial and retirement planning services are included within the investment management fee with no additional charge. The firm employs a 51–100 person team including multiple CFP, CIMA, CPA, and CFA credentialed advisors; the advisory bench has been expanded through recent hires from First Republic and other firms. Technology infrastructure is limited to a Tamarac client portal for account access, with no proprietary trading, planning, or AI/ML tooling disclosed.
Go-to-market is a sales-led, high-touch direct advisory model: a no-cost, no-obligation 30-minute initial consultation followed by an ongoing fiduciary relationship. Marketing is concentrated on content (website blog, quarterly market commentary, downloadable retirement planning guide) and organic social (LinkedIn, Facebook). The firm is privately held, founder-controlled by John Hayman, with select principals holding equity, and operates exclusively within California with no international footprint or digital self-service onboarding.
Capital Advantage firmographics
Firmographics- Name
- Capital Advantage
- Legal name
- Capital Advantage, Inc.
- Website
- https://capitaladvantage.com
- Company type
- Private
- Founded year
- 1984
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Capital Advantage is an independently-owned, fee-only SEC-registered RIA in Walnut Creek, CA managing over $1.1B for high-net-worth pre-retirees, retirees, women, and Kaiser/TPMG physicians, offering integrated investment management, financial planning, and retirement planning services.
- Ownership category
- akta.pro rank
Where Capital Advantage is headquartered
LocationHeadquarters
- HQ city
- Lafayette
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Capital Advantage business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Assets Under Management (AUM) Fee: Fee calculated as percentage of client assets under management, typically ranging from 0.50% to 1.25% annually. Financial planning and retirement planning services included within investment management fee. Fees deducted quarterly in arrears from client accounts.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Quarterly | Tiered AUM-based fee starting at 1.00% for first $2M |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
Capital Advantage product offering
Product offeringCore offering
Capital Advantage is a fee-only fiduciary wealth management firm that delivers personalized investment management, financial planning, and retirement planning services to individuals and families. Services are offered as an integrated advisory engagement with an AUM-based fee structure (typically 0.50%–1.25% annually) that includes financial and retirement planning within the investment management fee. The firm manages over $1.1 billion in client assets, serving primarily pre-retirees, retirees, women, and Kaiser Permanente/TPMG employees.
Product overview
Capital Advantage is a fee-only fiduciary wealth management firm offering three integrated service lines: Investment Management, Financial Planning, and Retirement Planning. The firm operates as a unified advisory service where financial planning and retirement planning are included within the investment management fee structure. Services are tailored for specific client segments including pre-retirees, retirees, women navigating unique financial journeys, and Kaiser Permanente/TPMG employees. The firm manages over $1.1 billion in assets under management (as of September 2024) and emphasizes personalized relationships combined with institutional-grade expertise.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- AUM surpassed $1.1 billion
- +1 more outcomes
Companies that use Capital Advantage
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles3 records
Capital Advantage technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Capital Advantage partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights5 records
Capital Advantage competitors and assessment
Company assessmentBroad incumbents
- Wealth Enhancement Group: National independent wealth management firm serving individuals and families with investment, retirement, and financial planning. Comparable in core RIA service offering and HNW client focus, with broader geographic reach and an M&A-driven growth strategy.
- Edelman Financial Engines: One of the largest US RIAs serving mass-affluent and HNW individuals with financial planning and asset management. Comparable in target audience and service offering, but vastly larger AUM and a hybrid digital-plus-advisor delivery model.
- Mariner Wealth Advisors: Large national RIA offering investment management, financial planning, retirement, and tax services to HNW clients. Comparable in core service mix but materially larger scale and broader geographic footprint than Capital Advantage.
- Fisher Investments: Large global RIA primarily serving HNW and institutional clients with discretionary portfolio management. Overlapping in investment management focus but operating at a much larger scale and with a more institutional sales motion.
Direct peers
- Halbert Hargrove: Long-standing California-based fee-only RIA serving individuals and families with investment management and financial planning. Directly comparable in business model (fee-only fiduciary), client profile (HNW pre-retirees/retirees), and California geographic focus.
- Stratos Wealth Partners: National RIA platform supporting independent financial advisors with investment management, financial planning, and back-office services. Comparable in advisor-led RIA model and HNW individual focus, though structured as an advisor support platform.
- Buckingham Strategic Wealth: National fee-only RIA offering wealth management and financial planning to HNW individuals and families. Highly comparable in fiduciary, fee-only structure, AUM-based pricing, and emphasis on evidence-based portfolio management.
- Sequoia Financial Group: Fee-only wealth management firm offering investment management, financial planning, and tax services to HNW clients. Comparable in fiduciary, fee-only structure and full-service advisory model, with a similar advisor-led relationship emphasis.
Regional players
- Robertson Stephens Wealth Management: San Francisco Bay Area wealth management firm serving HNW individuals, families, and institutions. Comparable in California-based HNW focus and full-service wealth offering, though with broader institutional and family office capabilities.
- Private Ocean Wealth Management: California Bay Area-based fee-only RIA serving individuals, families, and small institutions with investment and financial planning services. Direct geographic overlap with Capital Advantage and comparable client segment and service offering.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Capital Advantage social profiles
Digital presenceCapital Advantage financial estimates
Financial estimateRevenue estimate
Valuation estimate
Capital Advantage leadership team
Management profileNumber of profiles
Capital Advantage funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Capital Advantage 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 Capital Advantage
What does Capital Advantage do?
Capital Advantage is a fee-only fiduciary wealth management firm that delivers personalized investment management, financial planning, and retirement planning services to individuals and families. Services are offered as an integrated advisory engagement with an AUM-based fee structure (typically 0.50%–1.25% annually) that includes financial and retirement planning within the investment management fee. The firm manages over $1.1 billion in client assets, serving primarily pre-retirees, retirees, women, and Kaiser Permanente/TPMG employees.
Is Capital Advantage a public or private company?
Capital Advantage is a private company. It is classified as management employee owned and is currently operating.
When was Capital Advantage founded?
Capital Advantage was founded in 1984. It employs 51 to 100 people.
Where is Capital Advantage based?
Capital Advantage is headquartered in Lafayette, United States, in the North America region.
How does Capital Advantage make money?
One revenue line is on record: assets Under Management (AUM) Fee.
Who are Capital Advantage's main competitors?
Broad incumbents on record are Wealth Enhancement Group, Edelman Financial Engines, Mariner Wealth Advisors and Fisher Investments. Direct peers are Halbert Hargrove, Stratos Wealth Partners, Buckingham Strategic Wealth and Sequoia Financial Group. Regional players are Robertson Stephens Wealth Management and Private Ocean Wealth Management.
Does Capital Advantage have an API?
No public API is recorded for Capital Advantage.