Capital Financial Management
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$69,176,000
Clients
112
Advisors
1
of 4 employees
About
Capital Financial Management serves individuals, high‑net‑worth clients, families, trusts, estates, retirement plans and business entities, offering coordinated financial plans, ongoing consulting, periodic investment reporting, and asset management. Like many peers, the firm provides portfolio management billed as a percentage of assets and also offers one‑time or hourly planning and consulting engagements.
The firm relies primarily on fundamental analysis and asset‑allocation strategies and implements accounts on either a discretionary or non‑discretionary basis; as of December 31, 2025 it reported roughly equal discretionary and non‑discretionary AUM (approximately $35.30M discretionary and $34.36M non‑discretionary). Clients receive periodic monitoring and written reports (quarterly at a minimum for asset management clients), and the firm accommodates client‑directed brokerage and account restrictions.
Notable differences from many peers include the principal’s active involvement in affiliated real‑estate brokerage and property management businesses and insurance producer activities, and the firm discloses it may receive commissions for insurance or real‑estate transactions, creating potential conflicts of interest. The brochure also highlights advice on less common holdings — interests in partnerships, private real estate, REITs and structured products — and the potential receipt of third‑party research or soft‑dollar benefits.
Client services
Expertise
Fee options
Fixed fees may be quoted for coordinated financial plans and consulting services; seminar fees range from $25 to $100 per participant
$50,000 - $99,999: 1.85% $100,000 - $249,999: 1.35% $250,000 - $499,999: 1.10% $500,000 - $999,999: 1.00% $1,000,000 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.75% $2,000,001 - $5,000,000: 0.50% $5,000,001 - $10,000,000: 0.375% $10,000,001+: 0.25%
Commissions received if clients purchase insurance or real estate products through the firm; also normal commissions for real estate brokerage and insurance products
$300 per hour for segmented financial advisory services, coordinated financial plans, and consulting services
Account minimum: $50,000 Fee-only: Hourly rate of $300 for consulting, financial plans, and segmented financial advisory services; Fixed fees may be quoted for coordinated financial plans and consulting services; Seminar fees range from $25 to $100 per participant
Main office
2221 Camino Del Rio South, Suite 303
San Diego CA 92108-3718
Advisors at this office
1
Most active in
California · Texas
Also doing business as
Capital Financial Management · Sheldon, Kirk Roy
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Is not active or affiliated with:
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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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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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