Capstone Wealth Management Group provides financial planning, portfolio management for individuals and small businesses, estate planning, insurance, and tax planning.
Capstone Wealth Management Group reports 255 clients. They include 175 individual clients and 80 high-net-worth individuals. Of its assets, 97.9% ($238M across 595 accounts) are managed with discretion; $5M across 10 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 69% | 19% |
| High-net-worth individuals | 31% | 81% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 175 | $45M | 18.5% | $257K |
| High-net-worth individuals | 80 | $198M | 81.5% | $2.48M |
| Total | 255 | $243M | 100% | $953K |
- Clients
- 175
- Regulatory AUM
- $45M
- AUM share
- 18.5%
- Avg. per client
- $257K
- Clients
- 80
- Regulatory AUM
- $198M
- AUM share
- 81.5%
- Avg. per client
- $2.48M
Total
- Clients
- 255
- Regulatory AUM
- $243M
- AUM share
- 100%
- Avg. per client
- $953K
- 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 Group charges 0.50%–1.25% a year for its Individual Portfolio Management. The whole portfolio is charged at the rate of its band. The fee is billed in advance and is negotiable. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 1.25% |
| $1M–$2M | 1.00% |
| $2M–$5M | 0.75% |
| $5M–$10M | 0.65% |
| $10M and above | 0.50% |
Fee details and sources
Other fees
- Financial Planning
- Financial planning is billed hourly at $95 to $295 per hour, or as a fixed fee typically of $500 to $7,000.
Loren Gard owns 25% to 50% of Capstone Wealth Management Group. The leadership team of Capstone Wealth Management Group includes President Devon Gaines and Chief Compliance Officer Tiffany Forste. It has 5 employees.
Leadership
- Devon GainesManaging Partner, Director, President
- Tiffany ForsteChief Compliance Officer
- Loren GardManaging Partner, Principal, Director, Secretary
Investment adviser representatives
5 representatives listed in the SEC register as of 9 October 2026.
Staff
- 5 employees
- 5 in advisory functions
- 5 state-registered reps
- Owns 25% to 50% of Capstone Wealth Management Group, Inc.
Loren Gard
Control person · since October 2025
- Owns 25% to 50% of Capstone Wealth Management Group, Inc.
Devon Gaines
Control person · since October 2025
Besides its headquarters, Capstone Wealth Management Group has 1 office (1 private residence, listed without an address), with 1 listed address in Oregon.
Oregon · 1 listed address
- 404 SW Columbia Street, Suite 230, BendHQ
Contact and registration details
- Legal name
- Capstone Wealth Management Group, Inc.
- Headquarters
- 404 SW Columbia Street, Suite 230, Bend, OR 97702
- Website
- capstonewmg.com
- Phone
- 541-330-0266
- SEC file
- 801-135432
- Founded
- 2026
- Structure
- Oregon corporation
- Fiscal year end
- December
Capstone Wealth Management Group uses Pershing ($243M) as custodian for its separately managed accounts. Capstone Wealth Management Group does not have custody of client assets.
- PershingPershing LLC · Jersey City, NJ · $243M100%
At year end, Capstone Wealth Management Group’s separately managed accounts were mostly in funds (58%) and stocks (34%). Its reported 13F holdings for the quarter ended 30 June 2026 total $166M across 123 positions; the largest are Apple Inc. (6.4%), Select Sector SPDR TR (5.3%) and SPDR Series Trust (4.9%).
What the accounts hold
- Stocks34%
- Funds58%
- Bonds2%
- U.S. government and agency bonds1%
- State and local bonds1%
- Cash8%
- Other2%
- Derivatives1%
- Annuities1%
Reported 13F holdings
- $166M
- Reported 13F value
- 123
- Positions
- 37.8%
- In the 10 largest
- +2.1%
- Value vs. prior quarter
- Apple Inc.6.4%
- Select Sector SPDR TR · ST Str Techn ETF5.3%
- SPDR Series Trust · ST Str Blo 1 ETF4.9%
- Exxon Mobil Corp.3.7%
- Lam Research Corp.3.5%
- iShares TR · US Aer Def ETF3.1%
- SPDR Series Trust · ST Str BL 12 ETF2.9%
- Select Sector SPDR TR · ST Str Finl ETF2.8%
- Nvidia Corporation2.7%
- J P Morgan Exchange Traded F · Equity Premium2.4%
Together, the ten largest are 37.8% of reported value.
How many clients does Capstone Wealth Management Group have?
Capstone Wealth Management Group has 255 clients and manages $243 million for them, as of July 2026. They include 175 individual clients and 80 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 9 July 2026
What services does Capstone Wealth Management Group offer?
Capstone Wealth Management Group provides financial planning, portfolio management for individuals and small businesses, estate planning, insurance, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Capstone Wealth Management Group charge?
Capstone Wealth Management Group charges 0.50%–1.25% a year for its Individual Portfolio Management. The whole portfolio is charged at the rate of its band. The fee is billed in advance and is negotiable.
Source: FORM ADV PART 2A- CAPSTONE WEALTH MANAGEMENT GROUP, INC., filed 12 May 2026
Which custodians does Capstone Wealth Management Group use?
Capstone Wealth Management Group’s separately managed account assets are held at Pershing LLC (Jersey City, NJ), with $243M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 9 July 2026
How many financial advisors does Capstone Wealth Management Group have?
Capstone Wealth Management Group has 5 investment adviser representatives registered with state securities authorities, out of 5 employees, and 5 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 Group invest in?
At the end of its last fiscal year, Capstone Wealth Management Group’s separately managed accounts held 58% registered funds (mutual funds, ETFs, BDCs), 34% exchange-traded equities, 8% cash and equivalents, 1% U.S. government and agency bonds, 1% state and local bonds, 1% derivatives and 1% other. The 1% other category is described as: Annuities.
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 Group?
Capstone Wealth Management Group’s direct owners are Loren Gard and Devon Gaines, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 9 July 2026
How does Capstone Wealth Management Group get paid?
Capstone Wealth Management Group is paid through a percentage of assets under management, hourly charges and fixed fees. 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 Capstone Wealth Management Group?
Capstone Wealth Management Group’s main office is at 404 SW Columbia Street, Suite 230, Bend, OR 97702. Its phone number is 541-330-0266. Its website is capstonewmg.com.