{"url":"https://nivawealth.com/firms/capstone-wealth-management-165359","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/165359","regulatoryAum":109447228,"crd":"165359","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2597293","suffix":null,"lastName":"KLINE","firstName":"CHRISTOPHER","middleName":"DEAN"},{"crd":"8302073","suffix":null,"lastName":"Kline","firstName":"Zachariah","middleName":"David"},{"crd":"1101356","suffix":null,"lastName":"MONTGOMERY","firstName":"ALLEN","middleName":"RAY"},{"crd":"5544464","suffix":null,"lastName":"STUMP","firstName":"JONATHAN","middleName":"THOMAS"}],"total":4,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-04-29","regulatoryAum":148596568,"clients":346,"employees":3,"offices":2},{"filedOn":"2022-03-31","regulatoryAum":148065022,"clients":378,"employees":5,"offices":2},{"filedOn":"2023-03-31","regulatoryAum":123249968,"clients":347,"employees":5,"offices":2},{"filedOn":"2024-03-13","regulatoryAum":90756453,"clients":333,"employees":5,"offices":2},{"filedOn":"2025-03-27","regulatoryAum":92112218,"clients":315,"employees":5,"offices":2},{"filedOn":"2026-07-02","regulatoryAum":109447228,"clients":288,"employees":5,"offices":2}],"secFileNumber":"801-121346","legalName":"Capstone Wealth Management Corp.","displayName":"Capstone Wealth Management","slug":"capstone-wealth-management-165359","website":"https://careformywealth.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Florida corporation","fiscalYearEnd":"December","headquarters":{"street":"5120 S. Lakeland Drive, Suite 1","city":"Lakeland","state":"FL","stateName":"Florida","country":"United States","postalCode":"33813"},"tradeNames":[],"registration":{"secApproved":"1 June 2021","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":378407.9020979021,"staff":{"employees":5,"advisory":3,"brokerDealerReps":0,"insuranceAgents":0,"promoters":1},"aum":{"regulatory":109447228,"discretionary":108224700,"discretionaryAccounts":363,"nonDiscretionary":1222528,"nonDiscretionaryAccounts":1,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":262,"regulatoryAum":52333028},{"label":"High-net-worth individuals","clients":24,"regulatoryAum":55891632},{"label":"Pension and profit-sharing plans","clients":2,"fewerThan5":true,"regulatoryAum":1222568}],"feePrograms":[{"role":"other","program":"Financial planning","summary":"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.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1033904","versionId":1033904,"submittedOn":"2026-03-30","documentName":"CAPSTONE 2026 ANNUAL REVISED FORM ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T14:35:47.671872+00:00","documents":[{"name":"CAPSTONE 2026 ANNUAL REVISED FORM ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1033904","versionId":1033904,"submittedOn":"2026-03-30"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":35532490},{"name":"Axos Clearing LLC","shortName":"Axos Clearing","location":"Omaha, NE","smaAssets":70033677}],"custodyNote":"Capstone Wealth Management does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Allen Montgomery","title":"President/CCO","crd":"1101356"}],"ownership":[{"label":"Allen Montgomery","detail":"President/cco in the 75% or more ownership band and a control person, since August 2012."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"Florida","offices":1,"addresses":[{"street":"5120 S. Lakeland Drive, Suite 1","city":"Lakeland","headquarters":true}]},{"state":"Wisconsin","offices":1,"addresses":[{"street":"2000 Prairie Street","city":"Prairie Du Sac"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"866-596-9886","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)","Performance-based fees"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients","Publication of periodicals or newsletters","Educational seminars/workshops"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":39},{"label":"U.S. government/agency bonds","percent":6},{"label":"Securities issued by registered investment companies or business development companies","percent":6},{"label":"Cash and cash equivalents","percent":44},{"label":"Other","percent":5,"detail":"Variable Annuities, Gold, Bitcoin Etfs"}],"privateFunds":0},"sources":{"adv1FilingDate":"2 July 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/165359/PDF/165359.pdf","brochureDate":"30 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1033904","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Capstone Wealth Management have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Capstone Wealth Management offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Capstone Wealth Management use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Capstone Wealth Management have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Capstone Wealth Management invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Capstone Wealth Management?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Capstone Wealth Management get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Capstone Wealth Management?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 2 July 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}