Cloyd Capital
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$346,962
Total clients
9
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
9
Average account size
$38,551
About
Cloyd Capital serves individual clients, including high-net-worth households, offering comprehensive financial planning and discretionary investment management along with retirement, tax planning, and estate-planning support. Client relationships begin with a personalized discovery process and ongoing plan monitoring, with formal reviews at least annually and access to the advisor for education and updates.
The firm’s investment approach favors passive, low-cost, tax-efficient mutual funds and ETFs, with portfolios customized to client objectives, time horizon, and documented risk tolerance. Retirement planning incorporates detailed projections and Monte Carlo simulations to assess withdrawal strategies, sequence-of-return risk, and long-term goal confidence.
As a solo practice, the firm is led by an engineer-turned-adviser who maintains full-time external employment and designates specific Sunday hours for client meetings and account work, an operational cadence that differs from most peers. The practice manages a very small number of client relationships with modest assets under management, uses a modern custodial platform for trade execution and reporting, does not vote client proxies, and has a continuity plan that relies on the custodian to facilitate client transitions in the event the adviser cannot continue.
Client services
Financial planning
Portfolio management
Expertise
Retirement income strategy
Social Security optimization
Roth conversion strategy
General estate planning guidance
Cash flow / budgeting
Fee options
$0 - $49,999: 0.85% $50,000 - $99,999: 0.70% $100,000 - $499,999: 0.55% $500,000 - $999,999: 0.40% $1,000,000 - $1,999,999: 0.30% $2,000,000+: 0.25%
Main office location
Cloyd Capital
Louisville KY, United States
Number of offices
1
Most active in
Cloyd Capital has reported serving >5 clients in these states in the last 12 months.
Kentucky
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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