Firm Info
Firm Size
Services Offered
- Financial Planning
- Portfolio Management for Individuals & Small Businesses
- Selection of Others Advisors
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
- Pension & Profit Sharing Plans
- Corporations or Other Businesses Not Listed Above
Available Fee Structures
- Percentage of Assets Under Management (AUM)
- Hourly
- Fixed Fees (Other than subscription)
Capital Financial Group, Inc. Overview
Capital Financial Group, Inc. is a fee-only registered investment advisory firm that offers financial planning and portfolio management services to individuals and small businesses. The firm is headquartered in Greenwood Village, CO and has been in business since 2019. As an insurance broker/agent, the firm also provides investment advice to its clients to help them make informed decisions about their investment strategies. The firm's fee-only arrangement ensures that its advisors do not receive commissions or other forms of compensation for recommending specific investments. This eliminates any potential conflicts of interest, allowing clients to trust that their advisors are acting with their best interests in mind. Capital Financial Group, Inc. provides tailored financial solutions that align with each client's unique goals and objectives. The firm's portfolio management services include the selection of other advisors, ensuring that clients have access to a wide range of investment options to suit their specific needs. Overall, Capital Financial Group, Inc. is dedicated to helping its clients achieve their financial goals with transparency, integrity, and professionalism.
CAPITAL FINANCIAL GROUP, INC. caters to a diverse range of clients, including individuals, high net worth individuals, pension or profit sharing plans, and other corporation types not listed. They understand that each client has unique financial needs and goals, and therefore offer customized solutions to meet their specific requirements. They also take pride in building long-term relationships with their clients and providing them with comprehensive financial planning services. In terms of fee structures, CAPITAL FINANCIAL GROUP, INC. offers various options depending on the service provided. For investment management services, they charge a percentage of assets under management (AUM). This fee is typically between 0.5% to 2% of the AUM, depending on the complexity of the portfolio and the level of service required. For financial planning and advisory services, clients can opt for an hourly fee agreement or a fixed fee arrangement. The hourly fee model charges a set rate per hour for the advisor's time, while the fixed fee structure entails a one-time payment for a specific project or service. CAPITAL FINANCIAL GROUP, INC. is transparent about their fee structures and works closely with clients to determine the best option to suit their needs.
Typical Clients, Fee Structures & Investment Minimum
The Part 2 Brochure for Capital Financial Group, Inc. indicates that the minimum investment amount to open an Ambassador account is $25,000. However, the firm notes that they have the discretion to waive this minimum dollar amount if they deem it appropriate.
How This Office Can Help Madison, MS Residents
Capital Financial Group is a trusted financial planning and investment management firm that provides tailored solutions for individuals and families in Madison, MS. Their experienced financial advisors work with their clients to fully understand their unique financial goals and concerns. They create comprehensive financial plans that address a range of financial issues, from saving for college or retirement to managing debt and investments. By using a personalized approach, Capital Financial Group is able to provide practical recommendations that address each client's unique needs and goals. Madison, Mississippi is a small, affluent community located just outside of Jackson. Many of its residents are professionals who work in the city, and as such, they may face unique financial challenges. These challenges may include the need for retirement planning, estate planning and asset protection, and investment management. Additionally, many families in Madison may need help with college planning for their children, managing debt, and maximizing tax savings. Capital Financial Group has the expertise to provide customized solutions to address these and other financial challenges. Their advisors work with their clients to develop a comprehensive financial plan that is tailored to their specific needs and goals, helping them to achieve financial success and security. So, residents of Madison, MS can count on the Capital Financial Group to manage their financial life peacefully.
Services Offered by Capital Financial Group, Inc.
Core Advisor Services
Financial Planning
Financial planning services encompass the process of devising strategies for your future financial well-being, including preparing for events such as retirement, funding your child's college education, or planning for the transfer of assets.
Portfolio Management for Individuals & Small Businesses
Portfolio management entails the careful selection and strategic management of investment combinations tailored to meet the needs of individuals and small businesses.
Market Timing Services
Market timing services involve the endeavor to generate short-term profits from investments by capitalizing on opportunities to buy at low prices and sell at high prices.
Other Services
Selection of Other Advisors
The firm provides support in selecting and engaging other advisors who possess specialized expertise to complement your financial needs.
Publication of Periodicals or Newsletters
The firm engages in the dissemination of diverse financial educational materials through the publication of periodicals.
Educational Seminars & Workshops
The firm organizes and conducts seminars or workshops aimed at enlightening investors on various financial concepts.
Fee Structures
Financial advisory fees usually are based on the services provided. Fee types charged by Capital Financial Group, Inc. most likely consist of the following fee types: asset-based, hourly or fixed. Wrap fee programs, or the practice of bundling services for a single fee, are not offered by the firm.
Available
Percentage of Assets Under Management (AUM)
This fee structure charges a percentage of the assets under management by the firm. Fee structures are often tiered based on the amount of assets managed, with higher AUM often charged a lower rate.
Between 0.50% and 2.00% of assets under management (annually), often lower for a robo advisor. Fees are typically charged quarterly by the firm and will show on your investment statement. View typical advisor costs here.
~96% of registered firms offer this fee structure.
If you have $1 million managed by a firm at a 1% management fee, you would be charged $10,000/year to manage your assets (or $2,500 per quarter). This would be automatically deducted from your investment portfolio.
Hourly
Similar to an attorney, a financial consultant might charge fees based on hourly rates. This fee structure can be advantageous when seeking specific or ad hoc advice.
Charges generally span from $150 to $400 per hour, depending on the extent of the services required.
~33% of registered firms offer this fee structure.
If you needed hourly consulting to sell a business or transfer your estate to your children but did not want your assets managed by a firm, you could consult a firm at an hourly rate to answer any questions you may have.
Fixed Fees (Other than subscription)
Fixed fees are a one-time, lump-sum payment rendered for a specific service, such as creating a financial plan without ongoing management or implementation. This option is beneficial if you solely require guidance for a particular objective rather than a long-term consultancy or asset management.
Fixed fees for creating a financial plan often range from $1,000 to $3,000.
~49% of registered firms offer this fee structure.
If you did not want a firm to manage your assets but needed to create a retirement plan, life transition plan such as divorce or loss of a spouse, estate transition plan, business financial plan, or any other financial planning, you could consult with an RIA firm to help you with the creation of that plan.
Unavailable
Subscription (Newsletter or Periodical)
Commissions
Occasionally, advisors are compensated through commissions by selling certain financial products, such as mutual funds or life insurance policies, or as a broker-dealer by facilitating the buying and selling of securities. Advisors who receive commissions may be incentivized to make specific suggestions to clients in order to secure a commission. Advisors who operate on a fee-only basis do not earn commissions, whereas fee-based advisors may do so.
Often 3% - 6% of the value of the security.
Only ~3% of registered firms say they offer this fee structure, but other advisors may receive “soft dollars”. Many mutual funds charge 12b-1 fees to cover the promoting and selling of the fund’s shares. While your advisor does not charge these fees, they may receive a kickback for recommending the investment.
An advisor selling their client on a life insurance policy and receiving a commission on the sale of that policy, or recommending a specific investment and receiving a kickback for that recommendation.
Performance-based Fees
Advisors typically obtain performance-based fees if a portfolio surpasses a predefined benchmark. This fee is determined through various methods, but is most commonly assessed as a percentage of investment gains. Performance-based fees may incentivize advisors to undertake riskier decisions in pursuit of generating higher returns.
“Two and Twenty” is common among hedge funds with a 2% management fee and a 20% incentive fee above the “hurdle rate,” or performance threshold the fund is compared against.
32% of registered firms offer this fee structure.
A hedge fund earns a 15% return with a 20% performance fee in above the performance of the S&P 500, which grew 7% that same year.
20% of fund growth in excess of S&P 500’s 7% growth for that year = 15% hedge fund growth - 7% S&P 500 growth = 8% difference x 20% = 2% performance fee (in addition to the management fee).
Other
Firms occasionally offer unconventional fee structures when charging clients. For more detailed information about a firm’s specific fee structures, please refer to their Form ADV and Part 2 Brochure.
Types of Clients
*The Securities & Exchange Commission defines someone as “high net worth” if they have $750,000 or more in investable assets or $1.5M of estimated total net worth.
This Office Location
Other Office Locations
Firm Headquarters
This firm has no other locations.
State Registrations
Capital Financial Group, Inc. is registered to service clients in the following states:
- California
- Colorado
- Nebraska
- Texas
Disciplinary History
Capital Financial Group, Inc. does not have any disclosures. Please visit it's Form ADV for more details.