Capstone Investment Management LLC

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Client assets under management

$93,527,066

Clients

296

36% high-net-worth

Advisors

of 3 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

148

Very High

Average account size

$315,970

About

Capstone serves individual and high‑net‑worth clients with fee‑based financial planning, qualified plan consulting, and discretionary portfolio management. The firm also places client assets with third‑party money managers through co‑advisor and solicitor arrangements and supports ongoing account services for those relationships.

Portfolios and financial plans are developed to reflect each client’s stated objectives, risk tolerance, net worth, time horizon and tax considerations, using fundamental, technical and cyclical analysis as appropriate. Capstone typically delivers financial plans within 30 days, reviews managed accounts at least quarterly, and may be granted discretionary trading authority for portfolio management.

This firm is notable for its staffing and business mix: roughly $62 million in assets under management is overseen by a single advisory professional with 243 client relationships, a client load that is uncommon for similarly supported firms. The managing member also operates an affiliated insurance practice — spending about half of his time as a licensed insurance agent and receiving compensation and profit sharing from related insurance entities — and the firm receives solicitor/co‑advisory payments from third‑party managers; these arrangements are disclosed to clients and described in the firm’s conflicts‑of‑interest procedures.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers

Expertise

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

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

Main office location

Capstone Investment Management LLC

18 Market Ave., Suite 100

Palm Coast FL 32164, United States

Number of offices

Most active in

Florida

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Is not active or affiliated with:

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

386-202-4498

Advisors at this firm

Keith W

CFP®, Series 65

Palm Coast, FL

Capstone Investment Management LLC

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.

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

Connie W

ChFC®

Ormond Beach, FL

Capstone Investment Management LLC

Connie Wiltfong is a ChFC® with four years of industry experience, currently serving as the sole advisor at Capstone Investment Management LLC. She has been involved with Capstone Planning since 2010 and also operates an affiliated insurance business. Capstone Investment Management LLC provides fee-based financial planning, qualified plan consulting, and discretionary portfolio management primarily for individual and high-net-worth clients. The firm uses a tailored approach to portfolio construction and typically completes financial plans within 30 days, maintaining quarterly reviews of managed accounts.

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

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