What Capital Asset Management Group does

Capital Asset Management Group is a privately held, independent financial advisory firm headquartered in Washington, D.C., founded in 1981 by John E. Girouard. The firm operates as a single unified advisory practice with three affiliated entities: the parent Capital Asset Management Group Inc., Capital Investment Advisors (SEC-registered investment advisor), and Capital Insurance Group. Securities are offered through Cambridge Investment Research (FINRA/SIPC broker-dealer), and the firm is registered to serve clients across 23 U.S. states plus Washington DC.

The firm's core offering is the proprietary Integrated Independence Method (I2M), a five-step planning methodology that structures client engagements as conversations spanning goal identification, current state assessment, strategy design, plan delivery, and ongoing service. This methodology underpins four tiered client programs: Independence Accelerator (group coaching for young professionals), Independence Planning Pro (written financial plan for established professionals), and Integrated Independence Wealth Management (advanced planning for accomplished professionals), each paired with corresponding ongoing support programs (Energizer, Optimizer, Maximizer). Supporting resources include the Institute for Financial Independence educational platform, a library of financial calculators, educational videos, and a content blog.

The firm targets four segments: accomplished professionals seeking integrated tax, estate and investment strategies; established professionals needing comprehensive planning; young professionals early in careers; and business owners plus institutional clients (employer retirement plans, endowments, nonprofits). Revenue derives from subscription-based financial planning fees, investment advisory fees through Capital Investment Advisors, insurance commissions through Capital Insurance Group, and ancillary tax preparation services. Distribution occurs through direct fiduciary advisor relationships with one-on-one and group coaching, supplemented by educational content marketing, seminars, webinars, and partnerships with custodial platforms including AssetMark and eMoney.

Name

Capital Asset Management Group

Legal name

Capital Asset Management Group Inc.

Website

https://capitalamg.com

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

11–50 employees

Short description

Capital Asset Management Group is a privately held independent financial advisory firm founded in 1981, serving individuals, business owners, and institutions across 23 U.S. states with proprietary five-step financial planning methodology (I2M), investment management, insurance, and tax services.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Advisory Portfolio Management (Non-Discretionary) (FSAAABAD)

Keywords

• Financial planning services
• Investment management advisory
• Wealth management consulting
• Retirement planning services
• Insurance and risk advisory

Headquarters

HQ city

Washington

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Investment Management Services: Through Capital Investment Advisors division - provides money management vehicles and investment advisory services to individuals, entrepreneurs, and executives. Offers diverse and sophisticated money management solutions with non-biased recommendations.
2. Financial Planning Services: Comprehensive financial planning programs including Independence Maximizer (quarterly consultations), Independence Optimizer (three times/year with associate advisor), Independence Energizer (quarterly group coaching), and Independence Accelerator (group coaching for young professionals).
3. Insurance Services: Through Capital Insurance Group division - provides risk management and insurance services including life, health, disability, and annuities.
4. Tax Preparation Services: Tax preparation services and end-of-year income tax information for clients, provided by CPA Rick Weinberg.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Capital Asset Management Group is an independent fiduciary financial advisory firm that delivers integrated financial planning, investment management, insurance, and tax preparation services through its proprietary Integrated Independence Method (I2M). Services are organized into tiered programs (Independence Accelerator/Energizer for young professionals, Independence Planning Pro/Optimizer for established professionals, Integrated Independence Wealth Management/Maximizer for accomplished professionals) plus employer-sponsored retirement plan and endowment consulting for businesses and institutions. Securities are offered through Cambridge Investment Research and investment advisory services through SEC-registered Capital Investment Advisors.

Product overview

Capital Asset Management Group is a financial advisory firm operating as a single unified advisory practice with three affiliated divisions: Capital Investment Advisors (investment management), Capital Insurance Group (insurance services), and the parent firm Capital Asset Management Group Inc. The core offering is the proprietary Integrated Independence Method (I2M), a five-step planning methodology that underpins four tiered planning programs (Independence Accelerator, Independence Planning Pro, Integrated Independence Wealth Management) and corresponding ongoing support programs (Independence Energizer, Independence Optimizer, Independence Maximizer). The firm supplements advisory services with educational resources including the Institute for Financial Independence platform, a library of financial calculators, educational videos, and articles. The firm also offers employer-sponsored retirement plan consulting and institutional advisory services for endowments and nonprofit organizations.

Differentiator

Problem solved

Functional benefit

Brands

• Capital Investment Advisors: Investment management division providing diverse and sophisticated money management solutions
• Capital Insurance Group
• Integrated Independence Method (I2M)
• Independence Maximizer
• Independence Optimizer
• Independence Energizer
• Independence Planning Pro
• Independence Accelerator

Products and services

• Capital Investment Advisors - Investment Management Services

Quantifiable outcome

• Education-based approach transforms clients from consumers of financial products to owners of their financial future

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature3 records

Partnerships

Ten partnerships are on record, tiered minor, major and core.

• Encore Life CareminorStrategic or Co-development Partner · 1 May 2026Presented at May 2026 webinar on navigating senior living decisions. Shaun Toomey presented on senior living choices and answered questions.
• Silver Bridges ConsultingminorStrategic or Co-development Partner · 1 May 2026Presented at May 2026 webinar on navigating senior living decisions. Ginger Noce and Kristy Kennedy presented on senior living choices.
• MemoryBancminorStrategic or Co-development Partner · 1 May 2026Presented at May 2026 webinar on navigating senior living decisions. Kay Bransford presented on senior living choices.
• William BlairmajorStrategic or Co-development Partner · 1 October 2025Sponsor and panelist at October 2025 client seminar. Tax expert Lisa Shake participated in round table discussion on One Big Beautiful Bill. Private wealth managers Thomas Thibeault and Ryan Gardner participated as panelists.
• Ross & MoncureminorStrategic or Co-development Partner · 1 October 2025Rachel Moncure, CEO of Ross & Moncure, participated as tax expert panelist at October 2025 client seminar discussing the One Big Beautiful Bill.
• Clark CapitalminorStrategic or Co-development Partner · 1 October 2025Ryan Gardner from Clark Capital (private wealth managers) participated as panelist at October 2025 client seminar.
• AssetMarkcoreTechnology or IntegrationAssetMark is an institutional money management platform providing investment management solutions to financial advisors worldwide. John Girouard was the first participating member of AssetMark. They have grown to over $64 billion in assets under management as of Q4 2024. AssetMark provides custodial services for client accounts and sponsors firm events.
• Cambridge Investment Research, Inc.coreChannel Partner/ Reseller/ DistributorFINRA/SIPC member broker-dealer through which securities registered associates of Capital Asset Management Group Inc. offer securities. Securities offered include investment products and instruments.
• Capital Investment Advisors, Inc.coreOthersSEC registered investment advisor and investment management division of Capital Asset Management Group. Investment advisory registered associates offer advisory services through this entity. Provides money management vehicles and investment advisory services.
• Capital Insurance GroupcoreOthersInsurance division of Capital Asset Management Group providing insurance services including life, health, disability, and annuities as part of comprehensive financial plans.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Commonwealth Financial Network: Independent broker-dealer and RIA platform supporting independent financial advisors with planning, investment, and insurance solutions. Comparable in advisor-support architecture; significant overlap in the planning-centric, advisor-led service model.
• Mercer Advisors: National RIA providing comprehensive financial planning, investment management, and tax services primarily to HNW households and small institutions. Closely comparable full-service, planning-centric RIA model.
• Mariner Wealth Advisors: National independent RIA offering comprehensive wealth advisory including investment, tax, estate, and insurance planning to HNW individuals and families. Comparable full-stack service model; much larger scale and broader geographic footprint.
• Hightower Advisors: National RIA platform providing wealth management, investment, and planning services through partner firms and direct offices. Comparable in service mix; competes for the same HNW clients and for advisor recruitment, but operates as a much larger multi-office platform.
• Carson Group: RIA support and wealth management platform providing coaching, technology, and investment solutions to independent advisors. Comparable holistic planning philosophy but operates a partner-firm / enterprise model rather than a single practice.

Emerging players

• Facet Wealth: Digital-first flat-fee RIA providing financial planning and investment management to mass-affluent and HNW clients. Adjacent competitor targeting similar segments but with a tech-enabled, lower-fee model that pressures traditional planning-led RIAs on price.
• Empower (formerly Personal Capital): Digital wealth management and hybrid advisory platform offering planning, investment, and retirement tools to HNW and mass-affluent clients. Competes with traditional RIAs for the same segment with stronger technology and a national consumer brand.

Direct peers

• Buckingham Strategic Wealth: Planning-led RIA serving HNW clients with evidence-based investment management and coordinated financial planning. Closely comparable for its planning-first methodology and fee-only fiduciary model serving similar client segments.
• Creative Planning: Large independent RIA offering comprehensive fee-only financial planning, investment management, tax, and estate services to HNW clients. Directly comparable multi-service holistic wealth model with similar fiduciary positioning, though operating at significantly greater scale.

Others

• Cambridge Investment Research: Independent broker-dealer through which Capital Asset Management Group offers securities. Not a direct competitor (it is the firm's broker-dealer partner), but highly relevant as the platform on which the firm operates and as a comparison point for independent-RIAs distribution models.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks4 records

Key highlights7 records

Customer concentration

• Xx.com/camg_dc

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries2 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 Asset Management Group