Northbrook, IL Office

Capital Cities Investments serves individuals (both non-high-net-worth and high-net-worth), trusts, estates, charitable organizations, corporations, and employee benefit plans, offering portfolio management, financial planning, pension consulting, and access to the Schwab Institutional Intelligent Portfolios automated program. These services are generally provided on a discretionary basis with ongoing monitoring and periodic account reviews.

The firm typically constructs diversified portfolios using mutual funds and ETFs, emphasizing asset allocation, a mix of active and passive managers, and disciplined rebalancing; it may use Callan’s UMA platform and Schwab’s automated rebalancing and tax‑loss harvesting where appropriate. Investment recommendations are tailored to each client’s suitability factors, including risk tolerance, time horizon, liquidity needs, and tax considerations.

A notable distinction is that several advisors are also registered representatives of a broker‑dealer and licensed insurance agents and may receive commission‑based compensation for certain product sales — a practice that is uncommon among multi‑team peers and can create additional conflicts of interest when recommending share classes or insurance products. The firm is affiliated with Capital Cities, LLC and leverages resources from the Independent Advisor Group/Callan (research, analytical tools, and UMA access) and maintains a close Schwab custody relationship that provides institutional services and support.