Charlotte, NC S. College St. Office

Capitalwize is a fee-only financial planning firm that serves individuals and business entities, with a stated focus on non‑high‑net‑worth clients. The firm offers a range of advisory engagements — from one-time diagnostic planning to multi‑month and year‑long advisory programs — and also conducts group educational seminars and an Alumni program for former clients.

For portfolio management, Capitalwize commonly uses third‑party managers and advisory platforms (including Betterment and Altruist) and may delegate discretionary management to those managers while providing ongoing oversight and client liaison services. The firm does not act as a custodian of client assets, places trades under limited power of attorney when authorized, and performs periodic account reviews with increased contact as needed.

Distinctive features include a relatively small amount of discretionary assets under management compared with the firm’s nine‑advisor team and roughly 100 clients, and a service model that emphasizes packaged planning engagements and group education programs rather than solely AUM‑driven offerings. The firm’s principals maintain affiliated digital‑education businesses and the brochure discloses referral and platform compensation arrangements when clients are placed with third‑party managers.