eCapital Advisors, Inc.

eCapital Advisors, Inc. provides investment management, financial planning and related financial oversight services for individuals, banks and thrift institutions, pension and profit-sharing plans, trusts, estates, charitable organizations and business entities. The firm develops written investment policy statements through personal discussions and an intake process and offers additional implementation support such as assistance with bill‑paying, bookkeeping and working with other professionals; it generally requires a $250,000 minimum account.

The firm’s investment approach is rooted in Modern Portfolio Theory and a belief that markets are largely efficient, favoring diversified, buy‑and‑hold portfolios implemented principally with passively managed, asset‑class mutual funds and conservative fixed‑income securities. eCapital uses tools such as Monte Carlo simulation for allocation analysis and relies on mutual fund lineups including Dimensional Fund Advisors (DFA) funds and Schwab Institutional research to inform recommendations.

Compared with many peers, eCapital’s assets are managed overwhelmingly on a non‑discretionary basis — as of December 31, 2025 it reported $0 discretionary and $15,600,920 non‑discretionary assets — meaning clients typically retain final approval over trades. The firm is led by a long‑tenured principal who holds the CFP® designation and combines that planning credential with access to DFA and Schwab support services, while also offering services (e.g., institutional and higher‑net‑worth client focus, bookkeeping/oversight) that are less common for firms of its size.