Capital Financial Management
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$69,176,000
This total excludes 2 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
112
19% high-net worth
Advisors
1
of 4 employees
Firm type
Supported
1-3 advisors or $200M+ in AUM
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
112
Very HighAverage account size
$617,643
About
Capital Financial Management serves individuals, high‑net‑worth clients, families, trusts, estates, retirement plans and business entities, offering coordinated financial plans, ongoing consulting, periodic investment reporting, and asset management. Like many peers, the firm provides portfolio management billed as a percentage of assets and also offers one‑time or hourly planning and consulting engagements.
The firm relies primarily on fundamental analysis and asset‑allocation strategies and implements accounts on either a discretionary or non‑discretionary basis; as of December 31, 2025 it reported roughly equal discretionary and non‑discretionary AUM (approximately $35.30M discretionary and $34.36M non‑discretionary). Clients receive periodic monitoring and written reports (quarterly at a minimum for asset management clients), and the firm accommodates client‑directed brokerage and account restrictions.
Notable differences from many peers include the principal’s active involvement in affiliated real‑estate brokerage and property management businesses and insurance producer activities, and the firm discloses it may receive commissions for insurance or real‑estate transactions, creating potential conflicts of interest. The brochure also highlights advice on less common holdings — interests in partnerships, private real estate, REITs and structured products — and the potential receipt of third‑party research or soft‑dollar benefits.
Client services
Financial planning
Portfolio management
Pension consulting
Educational seminars or workshops
Expertise
Active portfolio management
Options & derivatives strategies
Real estate investing
Fee options
Fixed fees may be quoted for coordinated financial plans and consulting services; seminar fees range from $25 to $100 per participant
$50,000 - $99,999: 1.85% $100,000 - $249,999: 1.35% $250,000 - $499,999: 1.10% $500,000 - $999,999: 1.00% $1,000,000 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.75% $2,000,001 - $5,000,000: 0.50% $5,000,001 - $10,000,000: 0.375% $10,000,001+: 0.25%
Commissions received if clients purchase insurance or real estate products through the firm; also normal commissions for real estate brokerage and insurance products
$300 per hour for segmented financial advisory services, coordinated financial plans, and consulting services
Account minimum: $50,000 Fee-only: Hourly rate of $300 for consulting, financial plans, and segmented financial advisory services; Fixed fees may be quoted for coordinated financial plans and consulting services; Seminar fees range from $25 to $100 per participant
Main office location
Capital Financial Management
2221 Camino Del Rio South, Suite 303
San Diego CA 92108-3718, United States
Number of offices
1
Most active in
Capital Financial Management has reported serving >5 clients in these states in the last 12 months.
California · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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