Capital Fluency
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$18,593,979
Clients
31
16% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
31
TypicalAverage account size
$599,806
About
Capital Fluency provides investment management and financial consulting to individuals as well as institutional clients, including qualified retirement plans, not‑for‑profit organizations, and corporate entities. Its service set includes ongoing portfolio management, customized financial planning, chief investment officer (CIO) services for institutions, and pension plan advisory work under ERISA frameworks.
The firm develops client‑specific Investment Policy Statements and combines fundamental and cyclical analysis with tactical asset‑allocation and ongoing portfolio monitoring; it may implement strategies ranging from diversified multi‑asset portfolios to tax‑harvesting and opportunistic short‑term tactical shifts. For qualified clients, the adviser may access alternative investments and employ tools such as margin, options, futures, and short sales while documenting risk and reviewing accounts periodically.
Compared with many independent advisers, Capital Fluency is notable for offering performance‑based fee arrangements to qualified investors, explicitly managing plan and institutional assets in a CIO/ERISA fiduciary capacity, and regularly delivering public educational seminars and financial coaching. The firm also maintains an account minimum for managed portfolios and manages both performance‑fee and traditional fee accounts, with policies intended to address any conflicts arising from those differing fee structures.
Client services
Financial planning
Portfolio management
Pension consulting
Educational seminars or workshops
Expertise
Wealth management
Active portfolio management
Private / alternative investments
Retirement plans for business owners (SEP, solo 401k)
Business exit / sale strategy
Occupation focus
Founder/Business Owner
Executive
Fee options
Financial Consulting services may be offered on fixed fee basis ranging generally from $1,500 to $5,000; Educational Seminars and Financial Coaching fees range from $50 to $5,000.
$0 - $2,000,000: 1.50% annually $2,000,001 - $5,000,000: 1.00% annually $5,000,001+: 0.75% annually
CIO Services and Financial Consulting services generally $200 to $400 per hour.
Performance based fee of 20% of net profits above a mutually agreed upon high-water mark for qualified investors, in addition to 1.00% asset based fee.
Account minimum: $1,000,000 Fee-only: Financial Consulting fees generally range between $1,500 and $5,000; CIO services hourly rate $200 to $400 per hour; Educational seminars fees range from $50 to $5,000.
Main office location
Capital Fluency
43 Corporate Park, Suite 104
Irvine CA 92606, United States
Number of offices
1
Most active in
Capital Fluency has reported serving >5 clients in these states in the last 12 months.
California
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 not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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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Real estate agent
They facilitate real estate transactions and may earn commissions.
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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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