Capstone RIA logo

Capstone RIA

Updated today

Client assets under management

$241,081,561

Clients

262

33% high-net worth

Advisors

2

of 3 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

131

Very High

Average account size

$920,159

About

Capstone RIA provides investment advisory, financial planning, and retirement-plan consulting to individuals, high‑net‑worth clients, families, business owners and corporations. The firm also supports held‑away defined‑contribution participant accounts via a third‑party Pontera platform and aggregates client reporting through Black Diamond.

The firm implements tailored, discretionary portfolios built on a long‑term, diversified framework that commonly includes ETFs, individual equities, bonds, REITs and alternative exposures; investment decisions are guided by each client’s objectives, time horizon and risk tolerance. Capstone routinely recommends Charles Schwab for custody, uses systematic rebalancing and conducts periodic portfolio reviews.

Capstone reports approximately $241 million in discretionary assets across about 262 client relationships while reporting one registered investment adviser representative, producing an unusually high AUM and client count per adviser compared with peers and suggesting a scaled operational model. The firm’s use of multiple offices, third‑party technology (Pontera for held‑away assets, Black Diamond for reporting) and its disclosed ability to include digital assets and alternative strategies are notable operational features relative to typical firms in its peer group.

Client services

Financial planning Portfolio management

Expertise

Wealth management Real estate investing Private / alternative investments

Occupation focus

Founder/Business Owner Executive

Fee options

Fixed

Flat fee may be charged at discretion for certain clients or services.

Percentage

$0 - $4,000,000: 1.0% per annum $4,000,001+: 0.80% per annum $0+: 1.0% to 3.0% per annum for enhanced services (between 1.0% and 3.0%)

Other

Fee-only: 1.0% per annum for standard services; 1.0% to 3.0% per annum for enhanced services; 0.80% for assets over $4 million. Fees are billed quarterly in advance based on average daily balance.

Main office location

Capstone RIA

114 W Magnolia Street, Suite #444

Bellingham WA 98225, United States

Number of offices

4

Most active in

Alaska · Arizona · Idaho · Indiana · Louisiana · Montana · Nevada · Oregon · Texas · Washington

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

Tyler R

Series 63, Series 65

Bellingham, WA

Capstone RIA

Tyler Ryan is a financial advisor at Capstone RIA with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Cetera Advisors LLC and Capstone Wealth Advisors. Outside of his advisory work, he owns a rental property in Bellingham, Washington. Capstone RIA provides investment advisory, financial planning, and retirement-plan consulting to individuals, high-net-worth clients, families, business owners, and corporations. The firm offers tailored, discretionary portfolios based on a long-term, diversified framework and utilizes third-party platforms such as Pontera and Black Diamond to support client reporting and held-away assets.

Wealth management Real estate investing Private / alternative investments Founder/Business Owner Executive
user avatar

Lettie S

Series 66

Sumas, WA

Capstone RIA

Lettie Sihota is a financial advisor at Capstone RIA with seven years of industry experience. She holds a Series 66 designation and has worked with firms including Multop Financial, Cetera Advisors LLC, and LPL Financial. Outside of her advisory role, she is a notary public and involved as a manager in her husband's farming business. Capstone RIA provides investment advisory, financial planning, and retirement-plan consulting services to individuals, high-net-worth clients, families, business owners, and corporations. The firm employs a long-term, diversified approach to discretionary portfolio management, utilizing ETFs, equities, bonds, REITs, and alternative investments, supported by third-party technology platforms for held-away assets and client reporting.

Wealth management Real estate investing Private / alternative investments Founder/Business Owner Executive
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