Learn more about who we work with, the services we provide, how our advisors are compensated, and what you can expect when working with Capital Wealth Management.
We work with individuals and families seeking help with financial planning, retirement planning, and investment management. Many of our clients are retired or preparing for retirement. Others come to us for guidance during major life transitions, such as divorce, widowhood, career changes, special needs planning, and other important life events.
We offer financial planning, retirement planning, and investment management for individuals and families. We also help with decisions about retirement income, divorce, widowhood, special needs, college funding, and other major life changes.
We have offices in Glastonbury and Wilton, Connecticut. We work with individuals and families across Connecticut and also serve clients nationwide.
We don’t have a set account minimum. We talk with you about the help you’re looking for and whether an ongoing planning and investment relationship makes sense for your situation. For some smaller accounts, an asset-based advisory relationship may not be the best value. If we think that’s the case, we’ll tell you and discuss other options that may be a better fit.
Yes. You’ll have a primary financial advisor who will serve as your main point of contact. Your advisor will get to know your situation, goals, and priorities, and our team will be available to help with account services, paperwork, and scheduling.
We’ll meet with you at least once a year to review your finances, accounts, and any changes that could affect your plan. Depending on your needs and circumstances, we may meet more often.
You do not have to wait for a scheduled review to reach out to us. If your situation changes or you need guidance on an important decision, we are here to help.
We’ll ask what prompted you to reach out and what you’d like help with. You’ll have an opportunity to ask questions about our services, fees, and what working with an advisor would involve.
The meeting is complimentary, and there’s no obligation to become a client. If you decide you’d like to move forward, we will explain the next steps. You can schedule a complimentary introductory meeting here.
Yes. When we provide investment advisory services, our advisors act as fiduciaries and must put your interests first.
We also have several CERTIFIED FINANCIAL PLANNER® professionals on our team. The CFP Board requires them to act as fiduciaries whenever they give financial advice. They must meet strict education, exam, experience, and ethics standards to earn and keep their certification.
Most of our compensation comes from advisory fees based on a percentage of the assets we manage for you. Sometimes, a client may pay a flat fee for financial planning. Our advisors can also receive commissions from some insurance or annuity products. This is why we are considered fee-based rather than fee-only.
Before you choose to work with us, we’ll explain our services and costs. If we suggest a product that pays a commission, we’re required to disclose that to you.
A fee-only advisor is paid only through client fees. A fee-based advisor may receive client fees and commissions from certain products.
Some of our advisors are licensed to offer insurance and annuity products, so we can help you evaluate and obtain them when appropriate. Because commissions can potentially create a conflict of interest, it’s important to understand how an advisor is compensated. If we suggest a product, you don’t have to purchase it from us. You’re free to compare options and buy from another provider.
No. Your investment accounts are held through Raymond James. We provide investment advice and manage your accounts, but we do not hold your money or investments ourselves.
Schedule a complimentary introductory meeting to ask questions about our services, fees, and working with us.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
In a fee-based account, clients pay a quarterly fee based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm’s Form ADV Part 2 as well as the client agreement.
Services rendered will be dependent on applicable agreements.