Your Capital Financial, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$60,851,431
This total excludes 7 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
332
17% high-net worth
Advisors
1
of 2 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
332
Very HighAverage account size
$183,287
About
The firm provides financial planning and discretionary investment management to individuals — including high-net-worth clients — as well as business clients and retirement plan sponsors. Services include comprehensive wealth management, standalone financial planning, and business retirement plan advisory, delivered on a fee-only, fiduciary basis and without selling commissioned products.
The firm’s investment approach emphasizes long-term, value-oriented allocations implemented primarily through low-cost exchange-traded funds, mutual funds, and individual stocks, with client-specific investment policy statements that reflect risk tolerance and goals. Engagements begin with a complimentary introductory review and include regularly scheduled meetings plus additional face-to-face, email, and phone consultations to monitor accounts and implement recommendations.
Noteworthy operational features include an unusually high client load for a firm of its advisor size — a single advisor relationship covering roughly 332 clients and about $61.5 million in assets — and the use of client education (seminars or workshops) alongside routine client communications to support service delivery at scale. The brochure also discloses atypical internal practices, such as applying household loyalty discounts and a stated expectation that family members contracting with the firm hold recommended equities.
Client services
Financial planning
Portfolio management
Educational seminars or workshops
Expertise
Income planning
Social Security optimization
Occupation focus
Founder/Business Owner
Executive
Fee options
Fixed fee for financial planning services; amount based on plan complexity
Year 1 - Year 1: 1.00% Year 2 - Year 2: 0.95% Year 3 - Year 3: 0.90% Year 4 - Year 4: 0.85% Year 5 - Year 5: 0.80% Year 6 - Year 6: 0.75% Year 7 - Year 7: 0.70% Year 8 - Year 8: 0.65% Year 9 - Year 9: 0.60% Year 10 - Year 10: 0.55% Year 11+: 0.50%
Minimum fee: Business Retirement Plan minimum annual fee of $500.00 Fee-only: Fixed fee for financial planning based on complexity; fees are negotiable
Main office location
Your Capital Financial, LLC
1485 Rymco Drive
Winston Salem NC 27103, United States
Number of offices
1
Most active in
Your Capital Financial, LLC has reported serving >5 clients in these states in the last 12 months.
North Carolina
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:
-
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
Quick links
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")