Capital Planning, LLC

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Client assets under management

$608,875,091

Clients

289

59% high-net worth

Advisors

of 12 employees

Firm type

Team

4-10 advisors or $500M+ in AUM

Clients per advisor

Typical

Average account size

$2,106,834

About

Capital Planning, LLC provides wealth management, investment management, financial planning, and consulting to individuals, families, trusts, estates, charitable organizations, and businesses. The SEC‑registered adviser manages roughly $618 million for about 289 clients and operates six offices while delivering both discretionary portfolio management and standalone planning or consulting engagements.

The firm employs an integrated planning framework that combines a four‑phase wealth process with a seven‑step investment process; an Investment Policy Committee oversees CPC Models, custom models, and the selection/monitoring of third‑party managers on platforms such as Envestnet. Portfolios may include mutual funds, ETFs, individual securities, REITs, alternative and private funds (including exchange funds), and variable annuity sub‑accounts, with ongoing rebalancing, performance reporting, and documented cybersecurity and AI governance controls.

Notable differences from many peers include the firm’s multi‑office structure (six offices, which is uncommon for team firms) and a formal program of educational seminars and webinars offered to sponsoring groups and the public. The brochure also highlights consolidated reporting services for held‑away assets (Reporting Plus/Reporting Only), access to variable annuity model management, and a stated $1 million minimum account size with room for model customization and private fund allocations, features that may be less typical among similarly sized team advisors.

Client services

Financial planning Portfolio management Selection of other advisers Educational seminars or workshops Consulting services

Expertise

Passive / index investing Active portfolio management Private / alternative investments Concentrated stock management Retirement plans for business owners (SEP, solo 401k)

Occupation focus

Founder/Business Owner Executive

Fee options

Fixed

Fixed fees from $1,000 to $25,000+ for financial planning/consulting services; initial fees billed 50% upfront and 50% upon completion; annual and consulting fees billed quarterly in arrears

Percentage

$0 - $1,000,000: 1.33% (Wealth Management Services CPC Models) $1,000,000 - $5,000,000: 1.08% (Wealth Management Services CPC Models) $5,000,000+: 0.65% (Wealth Management Services CPC Models) $0 - $1,000,000: 1.25% (Wealth Management Services Third Party Models) $1,000,000 - $5,000,000: 1.00% (Wealth Management Services Third Party Models) $5,000,000+: 0.59% (Wealth Management Services Third Party Models) $0 - $1,000,000: 1.08% (Investment Management Services CPC Models) $1,000,000 - $5,000,000: 0.93% (Investment Management Services CPC Models) $5,000,000+: 0.635% (Investment Management Services CPC Models) $0 - $1,000,000: 1.00% (Investment Management Services Third Party Models) $1,000,000 - $5,000,000: 0.85% (Investment Management Services Third Party Models) $5,000,000+: 0.575% (Investment Management Services Third Party Models)

Commissions

Certain employees licensed as insurance agents may receive commissions for insurance products separately from advisory fees

Project-based

$100 to $700 per hour depending on complexity and scope

Other

Account minimum: $1,000,000 Fee-only: Fixed fees ranging from $1,000 to $25,000+ depending on complexity and scope; hourly fees from $100 to $700 per hour

Main office location

Capital Planning, LLC

10900 Ne 4 Th Street, Suite 2300

Bellevue WA 98004, United States

Number of offices

Most active in

Arizona · California · Florida · Idaho · Montana · New Hampshire · Texas · Washington

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Website 425-643-1800

Advisors at this firm

James K

CFP®, Series 63, Series 65

Palm Coast, FL

Capital Planning, LLC

James Kelley is a CFP® professional with 33 years of industry experience, currently serving as an advisor at Capital Planning, LLC since 2014. He holds Series 63 and Series 65 licenses and is based in Palm Coast, Florida. Capital Planning, LLC is a fee-based wealth management firm with an eight-advisor team managing approximately $677 million across 372 client relationships. The firm serves individuals, high-net-worth clients, trusts, estates, and businesses, using a structured wealth planning and investment process supported by an Investment Policy Committee and advanced reporting tools.

Passive / index investing Active portfolio management Private / alternative investments Concentrated stock management Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner Executive

Michael M

CFP®, ChFC®, Series 63, Series 65

Bellevue, WA

Capital Planning, LLC

Michael Miller is a CFP® and ChFC® with 40 years of industry experience, currently serving as an advisor at Capital Planning, LLC since 2014. He is also licensed as a life and annuity insurance agent, a role he has held since 1983, dedicating limited time to explaining insurance strategies and processing applications. Capital Planning, LLC is a team of eight advisers providing fee-based wealth management, financial planning, and consulting services to individuals, high-net-worth clients, trusts, estates, and businesses. The firm employs a structured wealth planning and investment process, offers diverse portfolio management options, and operates multiple offices while providing educational seminars and expanded digital asset offerings.

Brenda L

ChFC®, Series 63, Series 65

Bellevue, WA

Capital Planning, LLC

Brenda Lee is a financial advisor with Capital Planning, LLC in Issaquah, WA, holding the ChFC®, Series 63, and Series 65 designations and has 20 years of industry experience. She has been with Capital Planning since 2014. Outside of her advisory role, she is a demonstrator for Stamp' Up, a craft business. Capital Planning, LLC is an eight-advisor team providing fee-based wealth management, financial planning, and consulting services to individuals, high-net-worth clients, trusts, estates, and businesses. The firm utilizes a structured wealth planning and investment process, offers a variety of model portfolios, and supports alternative and cryptocurrency-related investments.

Leigh W

Series 65

Bellevue, WA

Capital Planning, LLC

Leigh Washington is a financial advisor at Capital Planning, LLC with one year of industry experience. She holds the Series 65 designation and has been with Capital Planning since 2017. Prior to that, she worked at American Funds from 2014 to 2017. Capital Planning, LLC is a team-based firm that provides fee-based wealth management, investment management, financial planning, and consulting services to individuals, high-net-worth clients, trusts, estates, and businesses. The firm manages approximately $677 million across roughly 372 client relationships and employs a structured wealth planning and investment process, offering a variety of model options and access to alternative investments and cryptocurrency-related exposures.

Christian M

Series 65

Bellevue, WA

Capital Planning, LLC

Christian Miller is a financial advisor at Capital Planning, LLC in Kirkland, WA, holding a Series 65 designation with two years of industry experience. His prior work includes roles at Clear Conscience Sealants and Utah State University. Capital Planning, LLC is an eight-advisor firm providing fee-based wealth management, investment management, financial planning, and consulting services to individuals, high-net-worth clients, trusts, estates, and businesses. The firm employs a structured wealth planning and investment process, offers a range of model portfolios and managed programs, and maintains a multi-office presence with educational seminars and services that include cryptocurrency-related offerings.

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