What Capstone Financial Group does

Capstone Financial Group is a privately held, independent financial advisory firm founded in 2001 and headquartered in Folsom, California, with a regional office in Irvine. The firm delivers comprehensive financial planning, wealth management, retirement planning, college planning, income protection and life insurance, business succession planning, and estate planning services to individuals, families, business owners, non-profits, and retirees. Service delivery is relationship-driven and consultative, anchored by a five-step engagement process (Discovery, Custom Strategy, Presentation, Implementation, Ongoing Partnership) and supported by a Resource Center of educational articles, videos, and calculators.

The company is not a technology platform; services are delivered by approximately 35 named licensed financial advisors across Northern and Southern California, Idaho, and Washington, many of whom hold advanced designations such as CLU, ChFC, CPA, CFF, LUTCF, and CEPA. Securities and advisory services are offered through a partnership with Ameritas Life Insurance Corp., Ameritas Investment Company, LLC (AIC, Member FINRA/SIPC), and Ameritas Advisory Services (AAS); the firm also operates affiliated offices extending its reach without a direct employment relationship. Advisors hold multiple FINRA licenses (series 6, 22, 24, 26, 62, 63, 65), enabling a broad range of investment and securities transactions.

Capstone's revenue model combines fee-based financial advisory and planning income with commissions from insurance products (life, disability income, long-term care) and securities transactions routed through Ameritas entities. Client acquisition is sales-led, relying on advisor outreach, referrals, community involvement, content marketing, and a 'schedule a call' lead capture on its website, with no publicly disclosed pricing. The firm is registered to offer securities in eight U.S. states (CA, ID, MT, NM, OR, PA, UT, WA) and has earned industry recognition as one of the Top 10 groups nationally within the Ameritas network.

Name

Capstone Financial Group

Legal name

Capstone Financial Group

Website

https://capstonefinancial.net

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Short description

Capstone Financial Group is a private, independent financial advisory firm headquartered in Folsom, CA, providing comprehensive financial planning, wealth management, and insurance services to individuals, families, and business owners across eight U.S. states.

Ownership category

akta.pro rank

Product category

Financial Planning and Wealth Management Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Advisory Portfolio Management (Non-Discretionary) (FSAAABAD)

Keywords

• Financial planning services
• Wealth management advisory
• Retirement income planning
• Life insurance brokerage
• Estate planning services

Headquarters

HQ city

Folsom

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory & Planning Fees: Revenue is generated through financial advisory fees for personalized financial planning, retirement planning, wealth management, estate planning, and business planning services. The firm operates as an independent financial services company offering unbiased advice tailored to each client's unique needs.
2. Insurance Products & Life Insurance: The firm earns commissions from income protection, life insurance, disability income insurance, and long-term care coverage products offered through its network of insurance carriers.
3. Securities & Investment Advisory: The company offers securities and investment advisory services through Ameritas Advisory Services (AAS) and Ameritas Investment Company, LLC (AIC), Member FINRA/SIPC. Advisors hold multiple FINRA licenses (series 6, 22, 24, 26, 62, 63, 65) enabling them to offer investment products and receive commissions/fees on securities transactions.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Capstone Financial Group is an independent financial services firm that delivers comprehensive financial planning, wealth management, and insurance solutions through a team of licensed advisors. Core offerings include retirement planning, college planning, income protection and life insurance, business succession planning, and estate planning, with securities and advisory services distributed in partnership with Ameritas Investment Company (AIC) and Ameritas Advisory Services (AAS). Services are provided via a structured five-step process from discovery through ongoing partnership.

Product overview

Capstone Financial Group offers a comprehensive suite of financial services through five core service areas: Retirement Planning & Wealth Management, College Planning, Income Protection & Life Insurance, Business Planning, and Estate Planning. The firm provides personalized financial strategies tailored to individual needs, combining insurance, investment, and financial planning services. Additionally, they offer a Resource Center with educational content including articles, videos, and calculators across financial topics. As an independent financial services company, they draw from diverse financial products to offer unbiased advice.

Differentiator

Problem solved

Functional benefit

Products and services

• Retirement Planning & Wealth Management
• College Planning Education planning services that assess goals, evaluate funding options, and develop tailored strategies to help families save for children's education. Includes guidance on college savings plans, financial aid, and tax-efficient strategies. Designed for families seeking to balance education funding with other financial goals.
• Income Protection & Life Insurance Income protection services including disability income insurance, long-term care coverage, and income protection strategies, plus life insurance solutions including term life, whole life, and universal life insurance to protect loved ones and provide financial security. Designed for individuals and families concerned with safeguarding income against illness, injury, or death.
• Business Planning Business succession and continuity planning services that evaluate goals, identify potential successors, and develop comprehensive plans aligned with business owners' vision. Includes affluent client guidance and small business owner guidance covering exit strategy, tax implications, and legal considerations. Designed for business owners and affluent clients.
• Estate Planning Estate planning services to protect assets and ensure wishes are honored after passing. Services include wills, trusts, charitable giving, life insurance, extended care strategies, and special needs trusts. Designed for individuals, families, and non-profit clients seeking asset protection and legacy preservation.

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• Ameritas LifecoreChannel Partner/ Reseller/ DistributorCapstone Financial Group operates as a general agent for Ameritas Life, distributing insurance products and financial services. Ameritas Life is a major life insurance and financial services company. The partnership enables Capstone to offer a broad range of insurance and investment products through its network of advisors, and has earned Capstone recognition as one of the Top 10 Ameritas groups nationally.
• Ameritas Investment Company (AIC)coreChannel Partner/ Reseller/ DistributorAmeritas Investment Company, LLC is a registered broker-dealer (Member FINRA/SIPC) through which Capstone Financial Group's advisors offer securities products. Advisors hold series 6, 22, 24, 26, 62, 63, and 65 licenses administered by FINRA through AIC, enabling the provision of a comprehensive suite of investment and securities advisory services.
• Ameritas Advisory Services (AAS)coreChannel Partner/ Reseller/ DistributorAmeritas Advisory Services (AAS) is the investment advisory arm through which Capstone Financial Group advisors provide financial planning and investment advisory services to clients. Many advisors (indicated by *) on the Capstone team offer advisory services through AAS.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Edward Jones: National full-service wealth management and investment advisory firm with thousands of branch offices focused on individual investors and retirement planning. Closely comparable to Capstone's community-based, relationship-driven model and target pre-retiree/retiree client base.
• Ameriprise Financial: Diversified financial services company offering financial planning, wealth management, and insurance through a national network of 10,000+ advisors. Comparable to Capstone in offering a full suite of retirement, investment, and protection products through independent advisors.
• Principal Financial Group: Diversified financial services company providing retirement planning, wealth management, and insurance products. Comparable to Capstone in offering integrated financial planning, retirement income, and small-business solutions to individuals and business owners.
• Raymond James: Diversified financial services holding company with significant wealth management operations supporting thousands of independent financial advisors. Comparable to Capstone as a financial advisory platform delivering planning, investments, and insurance services.
• Northwestern Mutual: One of the largest US providers of life insurance, wealth management, and financial planning with a captive career-advisor model. Directly comparable to Capstone in delivering comprehensive financial planning, retirement, and insurance services through a large distributed advisor force.
• Waddell & Reed Financial: Diversified wealth management and investment management firm serving individual and institutional clients with financial planning, retirement, and insurance products. Comparable to Capstone in delivering holistic planning and wealth management through a distributed advisor channel.

Direct peers

• Cetera Financial Group: Independent broker-dealer supporting thousands of financial advisors with wealth management and advisory infrastructure. Direct structural peer to the Capstone model where independent advisors operate under a host broker-dealer and RIA.
• Commonwealth Financial Network: Privately held independent broker-dealer and RIA supporting ~2,200 financial advisors with retirement, insurance, and wealth management infrastructure. Highly comparable to Capstone as a host platform for independent financial advisors.
• LPL Financial: Largest independent broker-dealer in the US, supporting ~22,000 financial advisors with compliance, technology, and product infrastructure. Capstone is functionally an independent advisory practice hosted on Ameritas/AIC — a structurally similar hosted-advisor model to LPL's core offering.
• Cambridge Investment Research: Independent broker-dealer supporting thousands of financial advisors with a focus on advisor independence and comprehensive planning services. Comparable to Capstone's independent advisory model serving individuals and small business owners.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Capstone Financial Group