5C Capital Management

What 5C Capital Management does

5C Capital Management, LLC is an SEC Registered Investment Advisor founded in 2017 and headquartered in White Plains, New York, with additional offices in Woodcliff Lake, New Jersey and Westport, Connecticut. The firm provides discretionary asset management and comprehensive financial planning services to high net worth individuals and families in the US Northeast. Its core offerings span investment advisory, retirement planning (401(k), 403(b), Defined Benefit, SEP IRA), estate and legacy planning, tax planning, special needs planning, and 529 college savings advisory. The firm operates under a fiduciary standard with independent ownership and transparent fee disclosure, and is not tied to any specific fund family, investment style, or asset class. Distribution is direct and relationship-led, supported by a content program of quarterly market reviews, an annual financial planning guide, and client webinars led by CIO Michael R. Sanders.

The business model is asset-based and recurring: revenue is generated primarily through discretionary portfolio management fees, with supporting planning and advisory engagements. The go-to-market motion is consultative and sales-led, anchored by four credentialed principals (Sanders, Marson, McCabe, Walsh) who collectively hold CFA, CFP®, JD, and CPA designations and bring prior experience at Gerstein Fisher, Stein Roe, Seligman, Clark Dodge, and Wilfrid Aubrey. The technology stack is intentionally light: client-facing account access runs on Tamarac's third-party portal, and there is no proprietary platform, app, or API surface.

Strategically, the firm executed a leadership succession in December 2024 by promoting Kevin J. McCabe and Nicholas W. Walsh to Managing Partner, formalizing a multi-generational ownership structure alongside the existing principals. Operational expansion has been gradual and regional, focused on the tri-state area rather than national scaling, and there are no signs of external capital, M&A activity, or product diversification beyond adjacent planning services.

Name

5C Capital Management

Legal name

5C Capital Management, LLC

Website

https://5cwealth.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

5C Capital Management is a privately held SEC Registered Investment Advisor founded in 2017 that provides discretionary wealth management, retirement plan advisory, and multi-generational financial planning to high net worth individuals and families across the US Northeast tri-state region from offices in New York, New Jersey, and Connecticut.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Private Banking Advisory & Discretionary Portfolio Management (FSABADAD)

akta.pro secondary industry

Discretionary Portfolio Management (Retail) (FSAAAAAH)

Keywords

• Wealth management services
• Investment advisory
• Financial planning
• Retirement plan advisory
• Portfolio management

Headquarters

HQ city

White Plains

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Discretionary Asset Management: 5C Capital Management manages client assets on a discretionary basis, making specific investment, asset class allocation, rebalancing, and transaction decisions on behalf of clients. As an SEC Registered Investment Advisor, the firm operates under a fiduciary standard and is independently owned, not bound to any specific company, funds, investment style, or asset class. The firm discloses all costs and fees transparently.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

5C Capital Management is an SEC Registered Investment Advisor that provides discretionary asset management, comprehensive financial planning, retirement plan advisory, and specialized planning services (estate, tax, special needs, 529 college savings) to high net worth individuals and families. Services are delivered through one-on-one advisory relationships across offices in New York, New Jersey, and Connecticut, supported by an online client portal and ongoing research-driven portfolio management.

Product overview

5C Capital Management, LLC is an SEC Registered Investment Advisor offering comprehensive wealth management and investment advisory services. The firm operates as a unified advisory platform combining discretionary portfolio management, financial planning, retirement plan services, and specialized planning solutions including special needs trust planning and 529 college savings advisory. The core offering centers on investment advisory with fiduciary responsibility, supported by capital markets research publications. Client services are delivered through a web-based portal.

Differentiator

Problem solved

Functional benefit

Products and services

• Wealth Management & Investment Advisory SEC Registered Investment Advisor providing fiduciary investment advisory services with discretionary portfolio management, financial planning, and strategic asset allocation for high net worth individuals and families.
• Retirement Plan Services Comprehensive retirement plan advisory covering 401(k), Profit Sharing Plans, Defined Benefit, 403(b), Individual 401(k), and SEP IRA plans with fiduciary responsibility support.
• Financial Planning Multi-generational wealth planning including retirement income planning, estate planning guidance, tax planning, and special needs planning services for individuals and families.
• Capital Markets Research & Outlook Quarterly and periodic market research publications providing economic outlook, market analysis, and investment strategy insights for existing clients, including the periodic '5C Wealth Review and Outlook'.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Kevin J. McCabe (Internal Partner Promotion)coreOthers · 5 December 2024Kevin J. McCabe was promoted to Managing Partner of 5C Capital Management in December 2024. McCabe joined the firm in 2013 and brings over 10 years of wealth management experience. He holds Series 65 certification and is responsible for portfolio management, investment research, company retirement plans, and client servicing. His promotion reflects his long-term contributions to providing customized financial solutions for clients.
• Nicholas W. Walsh, CFA (Internal Partner Promotion)coreOthers · 5 December 2024Nicholas W. Walsh was promoted to Managing Partner of 5C Capital Management in December 2024. Walsh serves as Director of Research and Portfolio Manager, with prior experience at J. & W. Seligman & Co. and Wilfrid Aubrey LLC. He holds the CFA designation and brings fixed income and institutional portfolio management expertise to the firm's investment committee.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Buckingham Strategic Wealth: Independent, fee-only RIA focused on evidence-based investing and comprehensive financial planning for HNW individuals. Comparable fiduciary-only model and integrated investment-plus-planning offering.
• Modera Wealth Management: Fee-only RIA providing financial planning, investment management, and tax services to HNW households. Closely comparable in service mix, fiduciary model, and HNW client focus.
• Cerity Partners: Mid-sized independent RIA providing comprehensive wealth management, tax planning, and financial advisory services to HNW individuals and families. Closely comparable in scale, service model, and HNW client focus.
• SageView Advisory Group: Specialized RIA focused on retirement plan advisory and wealth management for HNW individuals, with strong fiduciary orientation. Comparable in retirement plan services and HNW focus.
• Halbert Hargrove: Independent fee-only RIA providing wealth management and financial planning to HNW individuals and families, primarily on the West Coast. Closely comparable in service breadth and fiduciary-only model, though geographically distinct.

Broad incumbents

• Edelman Financial Engines: Large national RIA combining traditional wealth management with retirement plan advisory and financial planning for HNW households. Comparable in retirement plan services and full-service HNW offering, but at materially larger scale.
• Carson Group: National RIA and wealth management firm offering financial planning, investment management, and coaching services to advisors and clients. Comparable in its HNW focus and integrated planning-and-investment offering.
• Creative Planning: One of the largest independent RIAs in the US, providing discretionary wealth management, retirement plan services, tax planning, and estate planning to HNW individuals. Shares 5C's fiduciary, fee-only model but at national scale with a broader product suite.
• Mariner Wealth Advisors: Large national RIA offering discretionary portfolio management, financial planning, and specialized services to HNW clients. Comparable in service mix to 5C Capital Management but operates at meaningfully larger scale across multiple US regions.
• Schwab Wealth Advisory: Schwab's fee-based advisory program offering discretionary portfolio management and financial planning to mass-affluent and HNW clients. Competes with 5C in the discretionary wealth management category at significantly larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/5c-capital-management-llc

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 5C Capital Management