Capstone Wealth Management Group

What Capstone Wealth Management Group does

Capstone Wealth Management Group is an independent, fee-only Registered Investment Advisor headquartered in Bend, Oregon, that provides financial planning, wealth management, and brokerage services to individuals and business owners. The firm operates through four CFP® certified Investment Advisor Representatives plus an Administration & Client Service Manager, organized around three core service lines: hourly-based Financial Planning for individuals regardless of asset size, comprehensive Wealth Management covering retirement, tax, investment, estate, and insurance planning, and fee-only brokerage for stocks, bonds, ETFs, managed futures, mutual funds, and annuities. The firm's business model is subscription-style and recurring, generating revenue exclusively from client-paid AUM-based advisory fees and hourly planning fees, with no commissions, referral fees, or third-party compensation.

The technology stack is entirely third-party and non-proprietary: Pershing LLC (a BNY Mellon company) serves as the custodian and account platform, while AssetBook Portal provides customized reporting accessed through the Client Suite. No proprietary platforms, AI/ML capabilities, or in-house engineering are disclosed. Customer-facing delivery is conducted via direct advisor relationships, supplemented by a free 'get acquainted' consultation as the primary acquisition mechanism. The firm is licensed in seven U.S. states (California, Colorado, New Hampshire, New York, Ohio, Oregon, Texas) and operates under the de minimis exemption in additional states, with target segments including inherited wealth recipients, accumulation-stage individuals, and business owners focused on wealth preservation and succession planning.

Capstone is structured as a privately-held LLC with no parent company, no institutional investors, no disclosed funding rounds, and no M&A activity. Strategic differentiation rests on the CFP® credential across all advisors, the fee-only compensation structure that removes product-driven conflicts, and an in-house CPA partnership that supports integrated tax strategy. The competitive moat is relationship-driven and credential-based rather than technology-driven, positioning the firm as a boutique alternative to wirehouse advisors for clients in its target segments.

Name

Capstone Wealth Management Group

Legal name

Capstone Wealth Management Group LLC

Website

https://capstonewmg.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Capstone Wealth Management Group is an independent, fee-only Registered Investment Advisor in Bend, Oregon, offering financial planning, wealth management, and brokerage services through four CFP® certified advisors to individuals and business owners across seven U.S. states.

Ownership category

akta.pro rank

Product category

Wealth Management

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

• Fee-only advisory
• Wealth management services
• Financial planning
• Registered investment advisor
• Retirement planning

Headquarters

HQ city

Bend

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. Advisory Fees (AUM-based): Compensation received directly and only from clients. Advisory fees are based on a percentage of assets under management (AUM). No commissions, referral fees, or compensation from outside sources.
2. Hourly Financial Planning: Financial planning services offered on an hourly basis for individuals regardless of asset size, providing flexible access to planning services.
3. Fee-only Brokerage Services: Fee-only brokerage services available for stocks, bonds, ETFs, managed futures, mutual funds, and annuity products.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels3 records

Core offering

Capstone Wealth Management Group is a fee-only, independent Registered Investment Advisor that delivers personalized financial planning, comprehensive wealth management, and fee-only brokerage services to individual clients. All advisors hold the CFP® designation, plans are custom developed for each client, and the firm coordinates with an in-house CPA and external professional resources to address retirement, tax, investment, estate, and insurance planning needs.

Product overview

Capstone Wealth Management Group is a fee-only, independent investment advisory firm offering three core service lines: Financial Planning (custom plans developed by CFP® certified Investment Advisors on an hourly basis), Wealth Management (comprehensive financial planning including retirement, tax strategy, investment management, estate planning, and insurance analysis), and Financial Services (fee-only brokerage for stocks, bonds, ETFs, managed futures, mutual funds, and annuities). The Client Suite provides integrated online account access through Pershing (custodian platform) and AssetBook Portal (reporting and analytics), connecting the service offerings into a unified client experience.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Custom financial plans developed by CFP® certified Investment Advisors at Capstone, flexible enough to handle unexpected life events and offered on an hourly basis for individuals regardless of asset size.
• Wealth Management
• Financial Services (Fee-Only Brokerage & Registered Investment Advisory)
• Client Suite

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

Three partnerships are on record, tiered core and supporting.

• Pershing LLCcoreTechnology or IntegrationPershing LLC, a BNY Mellon company, provides the investor portal platform for Capstone clients to access account information. Clients access account summaries updated daily through Pershing's investor platform.
• In-house Certified Public AccountantcoreStrategic or Co-development PartnerCapstone has developed an alliance with an in-house CPA to provide comprehensive financial solutions alongside investment management services.
• External Professional ResourcessupportingStrategic or Co-development PartnerCapstone has developed alliances with outside professional resources beyond the in-house CPA to provide comprehensive financial solutions.

Scale indicators1 record

Recent moves5 records

Expansion highlights2 records

Direct peers

• Creative Planning: Large independent fee-only RIA offering comprehensive financial planning, wealth management, and tax services to individuals and business owners. Comparable to Capstone in service model (fee-only, CFP®-driven, holistic planning) but at significantly greater scale.
• Johnson Bixby: Independent fee-only RIA offering financial planning, investment management, and tax services to individuals and business owners. Closely comparable size, fee-only model, and client segmentation to Capstone.
• Carson Group: RIA platform supporting independent advisors with wealth management, financial planning, and practice-management services. Comparable fee-only advisory model and advisor network structure, larger scale.
• Buckingham Strategic Wealth: Fee-only RIA focused on evidence-based financial planning and wealth management for individuals and families. Directly comparable fiduciary, fee-only model with similar holistic-planning positioning.
• Edelman Financial Engines: Large fee-only RIA offering financial planning, investment management, and workplace advice to individuals nationwide. Comparable fee-only, fiduciary stance and retirement/wealth planning focus.
• Mariner Wealth Advisors: Independent fee-only RIA providing comprehensive wealth advisory, tax, estate, and investment management to HNW individuals and business owners. Highly comparable business model and client segmentation to Capstone.
• Sequoia Financial Group: Fee-only RIA providing comprehensive wealth management, financial planning, and tax services to HNW individuals and families. Closely comparable fee-only model and holistic service offering.

Broad incumbents

• Personal Capital (Empower): Hybrid digital wealth manager offering financial planning and managed investment services to mass-affluent and HNW clients. Overlaps with Capstone's planning and investment management services, but operates at much larger scale with integrated tech platform.
• Northwestern Mutual Wealth Management: Large financial services firm offering wealth management, financial planning, and insurance solutions to individuals and business owners. Competes with Capstone for business-owner and wealth-preservation segments, though operates a different compensation model.

Emerging players

• Facet Wealth: Tech-enabled fee-only RIA offering flat-fee financial planning and investment management, expanding access to mass-affluent clients. Comparable fee-only model with hourly/project-style pricing similar to Capstone's hourly planning offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Wealth Management Group