ANCAP Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$60,757,482
Clients
64
Advisors
2
across 2 offices
About
The firm provides fee-only financial planning and wealth management primarily to individual and high‑net‑worth clients, and also offers retirement plan consulting and management services for employer plans. Its offerings include one‑time comprehensive financial plans, ongoing wealth management (which includes investment management), and plan fiduciary/ERISA services for sponsors.
Investment programs are typically constructed with a passive, asset‑class approach using mutual funds, ETFs, and outside managers, with discretionary portfolio management available as part of ongoing wealth management. The firm also advises on less traditional alternatives such as private equity and digital assets on a recommendation basis and works with clients to set risk tolerance, allocation targets, and any account restrictions.
A distinguishing feature is its fee model: the firm generally uses fixed project or recurring fees rather than charging advisory fees as a percentage of assets under management, and it operates as a fee‑only adviser that does not accept commissions. The firm is relatively new and modest in scale (about $62.8 million in AUM across roughly 64 clients with a two‑advisor team), and its advisors hold professional credentials (CFP®, APMA®) while offering a written satisfaction guarantee on planning engagements.
Client services
Expertise
Occupation focus
Fee options
Comprehensive Financial Plan fixed fees from $5,000 to $30,000; Retirement Plan Consulting fixed fee from $0 to $10,000; Retirement Plan Management fixed fee of $2,500 to $5,000.
Wealth Management Service charged on a recurring fixed fee basis: $833 to $4,200 monthly or $2,500 to $12,600 quarterly, paid in advance; fees are negotiable.
Account minimum: $50,000 (minimum account size requirement to open or maintain an account; may be reduced or waived case-by-case) Minimum fee: Comprehensive Financial Plan fees range from $5,000 to $30,000. Fee-only: Firm is fee-only; only compensated by client fees, no commissions.
Main office
See officeLeague City TX
Advisors at this office
1
Most active in
Texas
Also doing business as
Ancap Financial · Ancap Financial LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Advisors at this firm
Zach L
CFP®
League City, TX
ANCAP Financial
I'm a fee-only, flat-fee financial planner who specializes in servicing retired couples and business owners. I live in League City, TX with my beautiful wife and daughter. I pride myself in the extensiveness of my financial plans, especially when it comes to tax planning. From beginning to end, I work with my clients to make sure that their path forward is crystal clear. I execute all action steps needed to put their roadmap into reality and help them avoid common mistakes and pitfalls along the way. My fees have always been and always will be flat. I receive no referral fees or kickbacks from professionals I may refer clients to, and charge no AUM fees.
Michael M
Series 66
Friendswood, TX
ANCAP Financial
Michael Mc Laughlin is a Series 66-licensed financial advisor at ANCAP Financial with one year of industry experience. He previously worked at Eagle Strategies, NYLIFE Securities, and Lochton Capital. ANCAP Financial provides fee-only financial planning and wealth management services primarily to individual and high-net-worth clients. The firm uses a passive, asset-class approach with mutual funds, ETFs, and outside managers, and also offers retirement plan consulting and advisory services.
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