Payne Capital provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, and pension consulting. Financial planning was provided to 26–50 clients last fiscal year.
Payne Capital reports 49 clients. They include 23 high-net-worth individuals, 22 individual clients, and 4 corporations and other businesses. Of its assets, 100.0% ($171M across 201 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 45% | 5% |
| High-net-worth individuals | 47% | 93% |
| Corporations and other businesses | 8% | 2% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 22 | $7.78M | 4.6% | $354K |
| High-net-worth individuals | 23 | $160M | 93.4% | $6.94M |
| Corporations and other businesses | 4 | $3.51M | 2.1% | $878K |
| Total | 49 | $171M | 100% | $3.49M |
- Clients
- 22
- Regulatory AUM
- $7.78M
- AUM share
- 4.6%
- Avg. per client
- $354K
- Clients
- 23
- Regulatory AUM
- $160M
- AUM share
- 93.4%
- Avg. per client
- $6.94M
- Clients
- 4
- Regulatory AUM
- $3.51M
- AUM share
- 2.1%
- Avg. per client
- $878K
Total
- Clients
- 49
- Regulatory AUM
- $171M
- AUM share
- 100%
- Avg. per client
- $3.49M
- 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
- 26–50
Payne Capital charges 0.15%–0.75% a year for its Investment Management Services. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and has a $3,500 annual minimum. The brochure also prices 4 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 0.75% |
| $1M–$2M | 0.65% |
| $2M–$3M | 0.55% |
| $3M–$5M | 0.45% |
| $5M–$10M | 0.30% |
| $10M and above | 0.15% |
Fee details and sources
Other fees
- Cash Flow Study
- Cash flow studies not covered by the investment fee are billed hourly at $200 (advisers), $300 (CPA) or $400 (attorney), or as a fixed fee typically $3,500 to $10,000.
- Custom services
- Custom services are priced as a flat dollar amount or at an hourly rate; no rate is stated.
- Estate document software access
- A one-time fee of $200 to $650 covers access to the internet software used to create estate documents.
- SMPL Audit
- The SMPL estate audit, when charged separately, is billed hourly at $200, $300 or $400, or as a fixed fee typically $5,000 to $15,000.
Frederick Payne owns 75% or more of Payne Capital. The leadership team of Payne Capital includes Chief Compliance Officer Frederick Payne. It has 3 employees, 1 of them in advisory roles.
Leadership
Frederick PayneManager and Chief Compliance Officer
Investment adviser representatives
1 representatives listed in the SEC register as of 9 October 2026.
Staff
- 3 employees
- 1 in advisory functions
- 1 state-registered rep
- Owns 75% or more of Payne Capital LLC
Frederick Payne
Control person · since November 2023
Besides its headquarters, Payne Capital has 0 offices, with 1 listed address with no US state reported.
Contact and registration details
- Legal name
- Payne Capital LLC
- Headquarters
- Not reported
- Website
- swiftwater.capital
- Phone
- 971-453-0130
- SEC file
- 801-134878
- Structure
- Oregon LLC
- Fiscal year end
- December
Payne Capital uses Charles Schwab ($166M) as custodian for its separately managed accounts. Payne Capital has custody of $328K in client assets for 1 client.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $166M100%
At year end, Payne Capital’s separately managed accounts were mostly in funds (63%) and cash (17%).
What the accounts hold
- Stocks15%
- Funds63%
- Registered funds62%
- Pooled vehicles1%
- Bonds5%
- Cash17%
- Other1%
- Variable life insurance product1%
How many clients does Payne Capital have?
Payne Capital has 49 clients and manages $171 million for them, as of February 2026. They include 23 high-net-worth individuals, 22 individual clients, and 4 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 9 February 2026
What services does Payne Capital offer?
Payne Capital provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, and pension consulting.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Payne Capital charge?
Payne Capital charges 0.15%–0.75% a year for its Investment Management Services. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and has a $3,500 annual minimum.
Source: SWIFTWATER CAPITAL LLC FIRM BROCHURE 010126, filed 9 February 2026
Which custodians does Payne Capital use?
Payne Capital’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $166M. 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 February 2026
How many financial advisors does Payne Capital have?
Payne Capital has 1 investment adviser representative registered with state securities authorities, out of 3 employees, and 1 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 Payne Capital invest in?
At the end of its last fiscal year, Payne Capital’s separately managed accounts held 62% registered funds (mutual funds, ETFs, BDCs), 17% cash and equivalents, 15% exchange-traded equities, 5% U.S. government and agency bonds, 1% pooled vehicles (private funds and similar) and 1% other. The 1% other category is described as: Variable Life Insurance Product.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Payne Capital?
Payne Capital’s direct owner is Frederick Payne (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 9 February 2026
How does Payne Capital get paid?
Payne 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
How do I contact Payne Capital?
Its phone number is 971-453-0130. Its website is swiftwater.capital.