Capital Financial provides portfolio management for individuals and small businesses, portfolio management for institutions, and selecting other managers.
Capital Financial reports 82 clients. They include 32 high-net-worth individuals, 25 other clients and 23 individual clients. Of its assets, 87.5% ($140M across 76 accounts) are managed with discretion; $19.9M across 6 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 28% | 8% |
| High-net-worth individuals | 39% | 15% |
| Pension and profit-sharing plans | 2% | 4% |
| Other | 30% | 74% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 23 | $12.2M | 7.6% | $529K |
| High-net-worth individuals | 32 | $23.7M | 14.9% | $742K |
| Pension and profit-sharing plans | 2 | $5.77M | 3.6% | $2.88M |
| Other | 25 | $118M | 73.9% | $4.71M |
| Total | 82 | $159M | 100% | $1.94M |
- Clients
- 23
- Regulatory AUM
- $12.2M
- AUM share
- 7.6%
- Avg. per client
- $529K
- Clients
- 32
- Regulatory AUM
- $23.7M
- AUM share
- 14.9%
- Avg. per client
- $742K
- Clients
- 2
- Regulatory AUM
- $5.77M
- AUM share
- 3.6%
- Avg. per client
- $2.88M
- Clients
- 25
- Regulatory AUM
- $118M
- AUM share
- 73.9%
- Avg. per client
- $4.71M
Total
- Clients
- 82
- Regulatory AUM
- $159M
- AUM share
- 100%
- Avg. per client
- $1.94M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
Capital Financial is paid through a percentage of assets under management; its fees and minimums are set out in its brochures on the SEC website.
James Webb owns 75% or more of Capital Financial. It has 2 employees.
Staff
- 2 employees
- 2 in advisory functions
- 2 state-registered reps
- 1 insurance agent
- Owns 75% or more of Capital Financial, LLC
James Webb
Control person · since January 1985
Capital Financial’s regulatory assets grew from $141M (May 2025) to $159M (August 2026); clients were 82 in both filings and employees rose from 1 to 2.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Aug 2026August 2026 | $159M | 82 | 2 | 1 |
| May 2025May 2025 | $141M | 85 | 1 | 1 |
Besides its headquarters, Capital Financial has 0 offices, with 1 listed address in 1 state.
Maryland · 1 listed address
- 2943 Olney Sandy Spring Road, Suite A, OlneyHQ
Contact and registration details
- Legal name
- Capital Financial, LLC
- Headquarters
- 2943 Olney Sandy Spring Road, Suite A, Olney, MD 20832
- Website
- capfinllc.com
- Phone
- 301-260-8575
- SEC file
- 801-132924
- Structure
- Maryland LLC
- Fiscal year end
- December
Capital Financial’s named custodians for separately managed accounts are Assetmark Brokerage ($117M, 75%), M&T Bank ($19.9M, 13%) and Capital Bank and Trust ($19.5M, 12%). Capital Financial does not have custody of client assets.
- M&T BankM&T Bank · Wilmington, DE · $19.9M13%
- Assetmark BrokerageAssetmark Brokerage, LLC · Concord, CA · $117M75%
- Capital Bank and TrustCapital Bank and Trust · Norfolk, VA · $19.5M12%
At year end, Capital Financial’s separately managed accounts were mostly in funds (61%) and stocks (20%).
What the accounts hold
- Stocks20%
- Funds61%
- Bonds5%
- Cash14%
How many clients does Capital Financial have?
Capital Financial has 82 clients and manages $159 million for them, as of August 2026. They include 32 high-net-worth individuals, 25 other clients and 23 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 20 August 2026
What services does Capital Financial offer?
Capital Financial provides portfolio management for individuals and small businesses, portfolio management for institutions, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does Capital Financial use?
Capital Financial’s separately managed account assets are held at Assetmark Brokerage, LLC (Concord, CA), with $117M, M&T Bank (Wilmington, DE), with $19.9M and Capital Bank and Trust (Norfolk, VA), with $19.5M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 20 August 2026
How many financial advisors does Capital Financial have?
Capital Financial has 2 investment adviser representatives registered with state securities authorities, out of 2 employees, and 2 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Capital Financial invest in?
At the end of its last fiscal year, Capital Financial’s separately managed accounts held 61% registered funds (mutual funds, ETFs, BDCs), 20% exchange-traded equities, 14% cash and equivalents and 5% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Capital Financial?
Capital Financial’s direct owner is James Webb (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 20 August 2026
How does Capital Financial get paid?
Capital Financial is paid through a percentage of assets under management. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Capital Financial?
Capital Financial’s main office is at 2943 Olney Sandy Spring Road, Suite A, Olney, MD 20832. Its phone number is 301-260-8575. Its website is capfinllc.com.