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Keith Wiltfong

Advisor at Capstone Investment Management LLC

Updated today

Location

Palm Coast, FL 32164

Credentials

CFP®, Series 65

Industry experience

12 years

About

Keith Wiltfong is a CFP® and Series 65 credentialed advisor with 12 years of industry experience. He is the sole advisor at Capstone Investment Management LLC and has been involved with affiliated entities including an insurance agency and a home and auto business. Wiltfong operates as a licensed insurance agent, dedicating a significant portion of his time to that role alongside his advisory duties. Capstone Investment Management LLC serves individual and high-net-worth clients by providing fee-based financial planning, qualified plan consulting, and discretionary portfolio management. The firm uses fundamental, technical, and cyclical analysis to tailor portfolios and plans to each client’s objectives and risk tolerance, managing approximately $62 million in assets across 243 client relationships.

Client services

Based on Capstone Investment Management LLC

Financial planning Portfolio management Pension consulting Selection of other advisers

Expertise

Based on Capstone Investment Management LLC

General retirement planning Social Security optimization College savings (529s, UTMA, etc.) General tax planning Wealth management

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Fee options

Fixed

Financial planning and consulting fees as above; Qualified Plan Consulting Services flat fee $500 - $2,500

Percentage

$0 - $250,000: 1.15% $250,001 - $5,000,000: 0.95% $5,000,001 - $10,000,000: 0.75% $10,000,001 - $20,000,000: 0.50% $20,000,001+: Negotiable

Other

Fee-only: Financial planning and consulting fees: CFP® Developed Holistic Financial Plan $2,500; Financial Plan Maintenance and up to 10 hours of Consulting $1,000 annually; Social Security Income Report and Analysis $250; 1-hour Consultation $250; Qualified Plan Consulting Services negotiable flat fee $500 - $2,500

Location

18 Market Ave., Suite 100

Palm Coast, FL 32164

Most active in

Florida

Work history

Capstone Planning Investments LLC

2015 - Present (11 years)

Capstone Home and Auto, LLC

2012 - Present (14 years)

Capstone Planning, LLC

2007 - Present (19 years)

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

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Orlando J

Series 66

Palm Coast, FL

Johnson Wealth Management, LLC

Orlando Johnson is a financial advisor at Johnson Wealth Management, LLC with 13 years of industry experience. He holds a Series 66 designation and has worked previously at Ameriprise Financial and Edward Jones. Johnson is the founder and Senior Advisor of the Prosperity Seekers Investment Club of Palm Coast, a role he has held since 2004 in a volunteer capacity. Johnson Wealth Management serves individual investors, charitable organizations, and corporations, offering portfolio management, financial planning, and consulting services. The firm employs a tailored investment approach that includes both discretionary and non-discretionary arrangements, with ongoing monitoring and rebalancing based on client objectives and risk tolerance.

Wealth management Cash flow / budgeting
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Neal A

Series 65

Palm Coast, FL

Albert Capital Management LLC

Neal Albert is the sole advisor at Albert Capital Management LLC in Palm Coast, FL, holding a Series 65 designation with four years of industry experience. Prior to founding his firm in 2021, he worked at Allied Building Materials and Grabber Construction Products. Albert Capital Management LLC provides non-discretionary financial planning, advisory consulting, and portfolio management services to individuals, trusts, estates, and charitable organizations. The firm emphasizes strategic asset allocation with broadly diversified, low-cost mutual funds and ETFs, and offers customized written Investment Policy Statements along with ongoing educational seminars.

General tax planning Wealth management Retirement income strategy Cash flow / budgeting
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Martin A

Series 63, Series 65

Palm Coast, FL

Baffin Advisors LLC

Martin Anidjar is the sole advisor at Baffin Advisors LLC, an independent firm based in Palm Coast, FL. He holds Series 63 and Series 65 credentials and has been with Baffin Advisors since its founding in 2009. Baffin Advisors LLC provides discretionary investment advisory services primarily to high-net-worth individuals and corporate clients, including a significant non-U.S. clientele. The firm employs a globally oriented, medium-term macroeconomic investment approach focused on diversified portfolios across multiple asset classes and emphasizes personalized service through frequent account reviews.

Wealth management Passive / index investing Active portfolio management Cross-border / expatriate tax planning HENRY (High Earners, Not Rich Yet)
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Philip H

Series 63, Series 65

Palm Coast, FL

FL Group, Inc.

Philip Hotz II is an investment advisor at FL Group, Inc. with four years of industry experience. He holds Series 63 and Series 65 licenses and has a background that includes roles at Gradient Advisors, LLC and USFEDS, as well as over four decades as an independent insurance agent. Hotz is also a Notary Public. FL Group, Inc. serves individual and high-net-worth clients by recommending and facilitating access to third-party money managers rather than directly managing client assets. The firm focuses on evaluating registered managers for suitability, assisting clients with onboarding, and monitoring manager performance through periodic reviews.

Active portfolio management Wealth management
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Wade R

Series 66

Ormond Beach, FL

Storms & Rowdon Financial Services, Inc.

Wade Rowdon is a financial advisor at Storms & Rowdon Financial Services, Inc. with 26 years of industry experience. He holds a Series 66 designation and previously worked at Stonex Advisors Inc. and Stonex Securities Inc. Rowdon also serves as a chaplain for the Daytona Tortugas minor league baseball team. Storms & Rowdon Financial Services, Inc. provides discretionary investment management and financial planning to individuals, high-net-worth clients, businesses, pension and profit-sharing plans, and charitable organizations. The firm constructs customized portfolios using a combination of fundamental, technical, and charting analysis, typically with a long-term orientation while allowing shorter-term trading for specific objectives.

Options & derivatives strategies Private / alternative investments
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David M

Series 65

Palm Coast, FL

Reap in Wealth Management, LLC

David Morgan is a financial advisor with Reap in Wealth Management, LLC, holding a Series 65 license and bringing 17 years of industry experience. He has been affiliated with Reap, LLC since 2001 and has involvement in insurance sales and fixed insurance products outside his advisory role. Reap in Wealth Management serves individual and high-net-worth clients by providing personalized financial planning and access to third-party portfolio management. The firm combines fundamental, technical, and cyclical investment analysis and operates with a team of six advisors managing approximately $33 million across multiple offices.

General retirement planning
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