Capital Growth

What Capital Growth does

Capital Growth, Inc. is a privately held, founder-owned fee-based registered investment adviser founded in 1983 by Art Molloy in San Diego, California. The firm provides comprehensive wealth management services spanning financial planning, investment management, retirement planning, tax strategies, and estate conservation, with supplemental offerings in 529 college savings advisory and product diversification across mutual funds, annuities, and life insurance. Its primary customer segments are high net worth individuals and families (primary), small business owners, and non-profit organizations, served via direct advisory relationships from the San Diego headquarters and remote service capabilities across 37 states where advisors are registered.

The firm operates a tiered AUM-based fee model (1.20% on the first $500k, 0.80% from $500k to $2M, and 0.60% above $2M), billed quarterly in advance with no commissions on trades. Investment management is delivered through 16 in-house composite portfolios that are customized to client risk tolerance, tax situation, and time horizon, anchored by the Tactical Total Return Multi-Asset Balanced strategy that combines fundamental and technical analysis. The firm is independently verified compliant with GIPS performance standards (January 1, 2005 through December 31, 2018) and distributes securities and advisory services through Independent Financial Group, LLC (IFG), an unaffiliated registered broker-dealer. Client-facing technology includes the NetXInvestor online portal and mobile app, the Albridge reporting platform, and interactive financial calculators (Net Worth, RMD, Wealth Percentile, Risk Tolerance).

Capital Growth's go-to-market is sales-led and relationship-driven, combining free consultations, educational webinars (co-hosted with Fidelity Investments, Amundi Asset Management, and John Hancock Investment Management), a regularly published blog, and community involvement with San Diego-area nonprofits. The firm manages over $250 million in assets and employs a team of 7 named advisors with over 100 years of cumulative financial experience, holding credentials including CFA, CFP, CMT, ChFC, and RICP. Capital Growth is bootstrapped and founder-controlled, with no private equity or venture capital backing, no subsidiaries, and no disclosed M&A or funding activity.

Name

Capital Growth

Legal name

Capital Growth, Inc.

Website

https://capitalgrowthinc.com

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

11–50 employees

Short description

Capital Growth, Inc. is a founder-owned, fee-based registered investment adviser founded in 1983 in San Diego, managing over $250M in AUM across 16 composite portfolios for high net worth individuals, families, business owners, and non-profit organizations across 37 U.S. states.

Ownership category

akta.pro rank

Headquarters

HQ city

San Diego

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Fee-Based Investment Advisory: The firm operates a fee-based advisory program where investments are consolidated into a single account. Fees are billed quarterly in advance. The firm does not assess commissions or sales charges on trades. A nominal processing fee is assessed on most transactions.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Capital Growth provides fee-based wealth management services including comprehensive financial planning, customized investment management through 16 composite portfolios, retirement planning, tax-efficient strategies, and estate conservation. Services are delivered by a credentialed advisory team to high net worth individuals, families, small business owners, and non-profit organizations through direct advisor relationships and tiered AUM-based pricing.

Product overview

Capital Growth is a full-service wealth management firm offering a unified advisory platform centered on financial planning, investment management, and retirement planning services. The core offering includes Financial Planning, Investment Management, Retirement Planning, Tax Strategies, and Estate Conservation. The firm also provides interactive client-facing tools including a Wealth Percentile Calculator, Net Worth Calculator, RMD Calculator, and Risk Tolerance Questionnaire. Additional services include 529 College Savings Plan advisory. All services are delivered through a fee-based advisory program without commissions on trades.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Comprehensive financial planning services that help clients outline financial goals, calculate net worth, determine cash flow, and create savings and investing strategies. Aimed at high net worth individuals, families, small business owners, and non-profit organizations.
• Investment Management Portfolio management and optimization services that assess risk tolerance, tax situation, and time horizon to create diversified investment strategies, delivered through 16 customizable composite portfolios including the proprietary Tactical Total Return Multi-Asset Balanced strategy.
• Retirement Planning Full-spectrum retirement planning services covering ages 20–65+, including cash flow analysis, savings, benefit planning, IRAs, 401(k)s, RMDs, and Social Security benefits optimization for individuals and families.
• Tax Strategies Tax-efficient planning services leveraging credits, deductions, timing strategies, and exemptions to reduce client tax liability and maximize savings, integrated with broader wealth planning.
• Estate Conservation Estate planning services to preserve, manage, and distribute wealth according to client wishes, including wills, trusts, power of attorney, and beneficiary designations, supported by in-house legal expertise.
• 529 College Savings Plan Services Education savings advisory services covering 529 plan selection, contribution strategies, and qualified education expense planning for clients planning for college costs.

Quantifiable outcome

• Managing over $250 million in assets across 16 composite portfolios
• +1 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered supporting and core.

• Fidelity InvestmentssupportingGTM or Marketing Partner · 23 October 2023Co-hosted Cyber Fraud and Personal Security webinar with Fidelity Investments. Gary Rossi from Fidelity served as featured speaker.
• Amundi Asset ManagementsupportingGTM or Marketing Partner · 20 July 2021Partnership for Social Security & Medicare webinar. Amundi provided educational worksheet materials for webinar attendees.
• Independent Financial Group, LLC (IFG)coreChannel Partner/ Reseller/ DistributorSecurities and advisory services offered through Independent Financial Group, LLC (IFG), a registered broker-dealer and investment adviser. Capital Growth, Inc. and IFG are unaffiliated entities. IFG provides the regulatory infrastructure for securities transactions.
• NetXInvestorcoreTechnology or IntegrationThird-party platform for client account access, brokerage statements, and activity tracking. Provides mobile app for deposits and account management.
• AlbridgesupportingTechnology or IntegrationPlatform for viewing account summaries and quarterly performance reports.
• John Hancock Investment ManagementsupportingGTM or Marketing PartnerPartnership for 10 Myths About College Savings Plans webinar. Christopher M. Bertorelli and Geoff Williams from John Hancock served as featured speakers.

Scale indicators4 records

Recent moves1 record

Expansion highlights4 records

Direct peers

• Buckingham Strategic Wealth: Fee-only RIA firm delivering financial planning and investment management to HNW individuals and families across multiple states. Highly comparable in business model (fee-only, no commissions), service mix (planning + investment management), and target client base to Capital Growth.
• Edelman Financial Engines: Large fee-based financial planning and investment management firm serving HNW clients with integrated planning, tax, and investment services. Matches Capital Growth on fee-only model, full-service planning, and HNW target market.

Broad incumbents

• Creative Planning: Large, nationally scaled RIA providing comprehensive wealth management, financial planning, and investment advisory services to HNW clients. Comparable service offering, but materially larger AUM and broader geographic reach than Capital Growth.
• Mariner Wealth Advisors: National RIA platform offering financial planning, investment management, retirement, tax, and estate services to HNW individuals and families. Overlap with Capital Growth on full-service wealth management positioning, though significantly larger scale.
• Hightower Advisors: Large RIA platform serving HNW clients through partner firms with financial planning, investment management, and retirement services. Matches Capital Growth's fee-based, planning-led model at a much larger scale.
• Carson Wealth Management: Fee-based wealth management firm offering financial planning, investment management, and retirement planning services to HNW individuals. Similar service mix and client base to Capital Growth, though operated as a national platform with significantly greater AUM.
• Wealth Enhancement Group: National RIA platform providing investment management, financial planning, retirement, and tax services to HNW clients. Comparable full-service wealth offering to Capital Growth, with national footprint.
• Focus Financial Partners: RIA consolidator partnering with independent wealth management firms serving HNW clients. Directly comparable in independent, fee-based positioning and a logical buyer / merger partner for a firm like Capital Growth.
• Merrill Lynch Wealth Management: Wirehouse wealth management division of Bank of America serving HNW clients with investment management, retirement planning, and wealth structuring services. Competes with Capital Growth for HNW clients but operates at far greater scale under a bank-affiliated model.
• Schwab Wealth Advisory: Charles Schwab's wealth advisory and managed portfolio platforms serving mass-affluent to HNW clients. Competes with Capital Growth via Schwab Intelligent Portfolios (robo) and advisor-led Schwab Wealth Advisory, with substantially greater scale.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/capitalgrowthinc
• LinkedInlinkedin.com/company/capital-growth

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Capital Growth