Capstone Wealth Management provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, publishing newsletters, and educational seminars.
Capstone Wealth Management reports 288 clients. They include 262 individual clients, 24 high-net-worth individuals, and 2 pension and profit-sharing plans. Of its assets, 98.9% ($108M across 363 accounts) are managed with discretion; $1.22M across 1 account is not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 91% | 48% |
| High-net-worth individuals | 8% | 51% |
| Pension and profit-sharing plans | <1% | 1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 262 | $52.3M | 47.8% | $200K |
| High-net-worth individuals | 24 | $55.9M | 51.1% | $2.33M |
| Pension and profit-sharing plans | Fewer than 5 | $1.22M | 1.1% | $611K |
| Total | 288 | $109M | 100% | — |
- Clients
- 262
- Regulatory AUM
- $52.3M
- AUM share
- 47.8%
- Avg. per client
- $200K
- Clients
- 24
- Regulatory AUM
- $55.9M
- AUM share
- 51.1%
- Avg. per client
- $2.33M
- Clients
- Fewer than 5
- Regulatory AUM
- $1.22M
- AUM share
- 1.1%
- Avg. per client
- $611K
Total
- Clients
- 288
- Regulatory AUM
- $109M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
Capstone Wealth Management is paid through a percentage of assets under management, fixed fees (other than subscription fees) and performance-based fees. The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial planning
- A fixed fee quoted for a financial plan may range from $1,000 to $5,000; fees may be negotiable and are paid on delivery of the plan.
Allen Montgomery owns 75% or more of Capstone Wealth Management. The leadership team of Capstone Wealth Management includes President Allen Montgomery. It has 5 employees, 3 of them in advisory roles.
Leadership
Allen MontgomeryPresident/CCO
Investment adviser representatives
4 representatives listed in the SEC register as of 9 October 2026.
Staff
- 5 employees
- 3 in advisory functions
- 3 state-registered reps
- 1 soliciting firm
- Owns 75% or more of Capstone Wealth Management Corp.
Allen Montgomery
Control person · since August 2012
Capstone Wealth Management’s regulatory assets fell from $149M (April 2021) to $109M (July 2026); clients fell from 346 to 288 and employees rose from 3 to 5.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Jul 2026July 2026 | $109M | 288 | 5 | 2 |
| Mar 2025March 2025 | $92.1M | 315 | 5 | 2 |
| Mar 2024March 2024 | $90.8M | 333 | 5 | 2 |
| Mar 2023March 2023 | $123M | 347 | 5 | 2 |
| Mar 2022March 2022 | $148M | 378 | 5 | 2 |
| Apr 2021April 2021 | $149M | 346 | 3 | 2 |
Besides its headquarters, Capstone Wealth Management has 1 office, with 2 listed addresses across 2 states.
Florida · 1 listed address
- 5120 S. Lakeland Drive, Suite 1, LakelandHQ
Wisconsin · 1 listed address
- 2000 Prairie Street, Prairie Du Sac
Contact and registration details
- Legal name
- Capstone Wealth Management Corp.
- Headquarters
- 5120 S. Lakeland Drive, Suite 1, Lakeland, FL 33813
- Website
- careformywealth.com
- Phone
- 866-596-9886
- SEC file
- 801-121346
- Structure
- Florida corporation
- Fiscal year end
- December
Capstone Wealth Management’s named custodians for separately managed accounts are Axos Clearing ($70M, 66%) and Charles Schwab ($35.5M, 34%). Capstone Wealth Management does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $35.5M34%
- Axos ClearingAxos Clearing LLC · Omaha, NE · $70M66%
At year end, Capstone Wealth Management’s separately managed accounts were largely in cash (44%) and stocks (39%).
What the accounts hold
- Stocks39%
- Funds6%
- Bonds6%
- Cash44%
- Other5%
- Variable annuities, gold, bitcoin etfs5%
How many clients does Capstone Wealth Management have?
Capstone Wealth Management has 288 clients and manages $109 million for them, as of July 2026. They include 262 individual clients, 24 high-net-worth individuals, and 2 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 2 July 2026
What services does Capstone Wealth Management offer?
Capstone Wealth Management provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, publishing newsletters, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does Capstone Wealth Management use?
Capstone Wealth Management’s separately managed account assets are held at Axos Clearing LLC (Omaha, NE), with $70M and Charles Schwab & Co., Inc. (Westlake, TX), with $35.5M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 2 July 2026
How many financial advisors does Capstone Wealth Management have?
Capstone Wealth Management has 3 investment adviser representatives registered with state securities authorities, out of 5 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Capstone Wealth Management invest in?
At the end of its last fiscal year, Capstone Wealth Management’s separately managed accounts held 44% cash and equivalents, 39% exchange-traded equities, 6% U.S. government and agency bonds, 6% registered funds (mutual funds, ETFs, BDCs) and 5% other. The 5% other category is described as: Variable Annuities, Gold, Bitcoin Etfs.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Capstone Wealth Management?
Capstone Wealth Management’s direct owner is Allen Montgomery (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 2 July 2026
How does Capstone Wealth Management get paid?
Capstone Wealth Management is paid through a percentage of assets under management, fixed fees and performance-based fees. Its Form ADV lists no commissions 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 Capstone Wealth Management?
Capstone Wealth Management’s main office is at 5120 S. Lakeland Drive, Suite 1, Lakeland, FL 33813. Its phone number is 866-596-9886. Its website is careformywealth.com.