Garde Capital provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, publishing newsletters, educational seminars, and insurance. Financial planning was provided to 500 clients last fiscal year.
Garde Capital reports 512 clients. They include 342 high-net-worth individuals, 120 individual clients, and 23 pension and profit-sharing plans. Of its assets, 99.4% ($2.64B across 477 accounts) are managed with discretion; $14.8M across 35 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 23% | 2% |
| High-net-worth individuals | 67% | 83% |
| Pension and profit-sharing plans | 4% | 8% |
| Charitable organizations | 4% | 4% |
| Corporations and other businesses | 1% | 2% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 120 | $58.6M | 2.2% | $489K |
| High-net-worth individuals | 342 | $2.2B | 83.0% | $6.44M |
| Pension and profit-sharing plans | 23 | $225M | 8.5% | $9.77M |
| Charitable organizations | 21 | $111M | 4.2% | $5.31M |
| Corporations and other businesses | 6 | $56.3M | 2.1% | $9.38M |
| Total | 512 | $2.65B | 100% | $5.19M |
- Clients
- 120
- Regulatory AUM
- $58.6M
- AUM share
- 2.2%
- Avg. per client
- $489K
- Clients
- 342
- Regulatory AUM
- $2.2B
- AUM share
- 83.0%
- Avg. per client
- $6.44M
- Clients
- 23
- Regulatory AUM
- $225M
- AUM share
- 8.5%
- Avg. per client
- $9.77M
- Clients
- 21
- Regulatory AUM
- $111M
- AUM share
- 4.2%
- Avg. per client
- $5.31M
- Clients
- 6
- Regulatory AUM
- $56.3M
- AUM share
- 2.1%
- Avg. per client
- $9.38M
Total
- Clients
- 512
- Regulatory AUM
- $2.65B
- AUM share
- 100%
- Avg. per client
- $5.19M
- 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
- 500
Garde Capital charges 0.40%–0.95% a year for its Assets Under Management. The fee is billed in advance, is negotiable and has a $15,000 annual minimum. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Flat Fees
- Flat fees for enhanced financial services are priced by scope of work and are typically charged in addition to the investment management fee.
- Hourly Fees
- Services for clients without a managed portfolio are billed hourly at a negotiable rate that would normally not exceed $400 per hour.
Jeffery Lippens owns 25% to 50% of Garde Capital. The leadership team of Garde Capital includes President Jeffery Lippens and Chief Compliance Officer Richard Severs. It has 18 employees, 8 of them in advisory roles.
Leadership
- Jeffery LippensPresident & Treasurer
- Richard SeversChief Compliance Officer
- Thomas OwensPrincipal
- Marshal McRealVice
Investment adviser representatives
9 representatives listed in the SEC register as of 9 October 2026.
- Cody Bill Barney
- Ashley Christine Fancher
- Ryan Kelly Kinerk
- Jeffery Lee Lippens
- Marshal Kerry McReal
- Thomas Reese Owens
- Rey Santodomingo
- Richard Scott Severs
- Henry Evans Wurst
Staff
- 18 employees
- 8 in advisory functions
- 11 state-registered reps
- Owns 25% to 50% of Garde Capital, Inc.
Jeffery Lippens
Control person · since September 2009
- Owns 25% to 50% of Garde Capital, Inc.
Marshal McReal
Control person · since July 2009
- Owns 10% to 25% of Garde Capital, Inc.
Thomas Owens
Control person · since September 2009
- Owns 10% to 25% of Garde Capital, Inc.
Richard Severs
Control person · since September 2009
Garde Capital’s regulatory assets grew 2.0× from $1.3B (March 2021) to $2.65B (March 2026); clients rose from 479 to 512 and employees from 12 to 18. In 2010, Ra Bench joined it.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $2.65B | 512 | 18 | 1 |
| March 2025 | $2.26B | 490 | 18 | 1 |
| March 2024 | $2.09B | 533 | 16 | 1 |
| March 2023 | $1.4B | 493 | 14 | 1 |
| April 2022 | $1.52B | 501 | 14 | 1 |
| March 2021 | $1.3B | 479 | 12 | 1 |
Firms that joined
20101 joined
- Ra BenchNo filed AUM
Firms whose SEC withdrawal reports a sale to this firm, and deals reported in the press. Teams that moved without selling a registered firm may not appear.
Besides its headquarters, Garde Capital has 0 offices, with 1 listed address in Washington.
Washington · 1 listed address
- 1301 Fifth Avenue, Suite 3030, SeattleHQ
Contact and registration details
- Legal name
- Garde Capital, Inc.
- Headquarters
- 1301 Fifth Avenue, Suite 3030, Seattle, WA 98101
- Website
- gardecapital.com
- Phone
- 206-552-7900
- SEC file
- 801-70472
- Founded
- 2009
- Structure
- Washington corporation
- Fiscal year end
- December
Garde Capital uses Charles Schwab ($2.3B) as custodian for its separately managed accounts. Garde Capital has custody of $110M in client assets for 512 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $2.3B100%
At year end, Garde Capital’s separately managed accounts were mostly in funds (74%) and stocks (13%). Its reported 13F holdings for the quarter ended 30 June 2026 total $2.23B across 224 positions; the largest are Vanguard Index Fds (10.7%), Vanguard Index Fds (10.3%) and Vanguard Index Fds (6.6%).
What the accounts hold
- Stocks13%
- Funds74%
- Bonds9%
- U.S. government and agency bonds6%
- State and local bonds2%
- Investment grade corporate bonds1%
- Cash4%
Reported 13F holdings
- $2.23B
- Reported 13F value
- 224
- Positions
- 53.0%
- In the 10 largest
- +33.7%
- Value vs. prior quarter
- Vanguard Index Fds · Value ETF10.7%
- Vanguard Index Fds · Growth ETF10.3%
- Vanguard Index Fds · Large Cap ETF6.6%
- Vanguard BD Index Fds · Total Bnd Mrkt5.9%
- Vanguard Index Fds · Total Stk Mkt4.3%
- Vanguard Intl Equity Index F · FTSE Europe ETF4.2%
- Vanguard Intl Equity Index F · FTSE Pacific ETF3.2%
- iShares TR · 7-10 YR Trsy BD2.7%
- Vanguard Malvern Fds · Strm Infproidx2.6%
- Microsoft Corp.2.4%
Together, the ten largest are 53.0% of reported value.
How many clients does Garde Capital have?
Garde Capital has 512 clients and manages $2.65 billion for them, as of March 2026. They include 342 high-net-worth individuals, 120 individual clients, and 23 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 25 March 2026
What services does Garde Capital offer?
Garde Capital provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, publishing newsletters, educational seminars, and insurance.
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 Garde Capital charge?
Garde Capital charges 0.40%–0.95% a year for its Assets Under Management. The fee is billed in advance, is negotiable and has a $15,000 annual minimum.
Which custodians does Garde Capital use?
Garde Capital’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $2.3B. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 25 March 2026
How many financial advisors does Garde Capital have?
Garde Capital has 11 investment adviser representatives registered with state securities authorities, out of 18 employees, and 8 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 Garde Capital invest in?
At the end of its last fiscal year, Garde Capital’s separately managed accounts held 74% registered funds (mutual funds, ETFs, BDCs), 13% exchange-traded equities, 6% U.S. government and agency bonds, 4% cash and equivalents, 2% state and local bonds and 1% 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 Garde Capital?
Garde Capital’s direct owners are Jeffery Lippens, Thomas Owens, Richard Severs and Marshal McReal, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 25 March 2026
How does Garde Capital get paid?
Garde Capital 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
Is Garde Capital registered with the SEC?
Yes, Garde Capital has been registered with the SEC as an investment adviser since 13 August 2009. Its CRD number is 151043 and its SEC file number is 801-70472.
Source: Form ADV Part 1A, Item 1, filed 25 March 2026; IAPD firm record
How do I contact Garde Capital?
Garde Capital’s main office is at 1301 Fifth Avenue, Suite 3030, Seattle, WA 98101. Its phone number is 206-552-7900. Its website is gardecapital.com.