Capstone RIA
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Capstone RIA provides investment advisory, financial planning, and retirement-plan consulting to individuals, high‑net‑worth clients, families, business owners and corporations. The firm also supports held‑away defined‑contribution participant accounts via a third‑party Pontera platform and aggregates client reporting through Black Diamond.
The firm implements tailored, discretionary portfolios built on a long‑term, diversified framework that commonly includes ETFs, individual equities, bonds, REITs and alternative exposures; investment decisions are guided by each client’s objectives, time horizon and risk tolerance. Capstone routinely recommends Charles Schwab for custody, uses systematic rebalancing and conducts periodic portfolio reviews.
Capstone reports approximately $241 million in discretionary assets across about 262 client relationships while reporting one registered investment adviser representative, producing an unusually high AUM and client count per adviser compared with peers and suggesting a scaled operational model. The firm’s use of multiple offices, third‑party technology (Pontera for held‑away assets, Black Diamond for reporting) and its disclosed ability to include digital assets and alternative strategies are notable operational features relative to typical firms in its peer group.
Client services
Expertise
Occupation focus
Fee options
Flat fee may be charged at discretion for certain clients or services.
$0 - $4,000,000: 1.0% per annum $4,000,001+: 0.80% per annum $0+: 1.0% to 3.0% per annum for enhanced services (between 1.0% and 3.0%)
Fee-only: 1.0% per annum for standard services; 1.0% to 3.0% per annum for enhanced services; 0.80% for assets over $4 million. Fees are billed quarterly in advance based on average daily balance.
Main office
See officeBellingham WA
Advisors at this office
1
Most active in
Alaska · Arizona · Idaho · Indiana · Louisiana · Montana · Nevada · Oregon · Texas · Washington
Also doing business as
Capstone Ria · Vvr Holdings 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.
Quick links
Advisors at this firm
Tyler R
Series 63, Series 65
Bellingham, WA
Capstone RIA
Tyler Ryan is a financial advisor at Capstone RIA with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Cetera Advisors LLC and Capstone Wealth Advisors. Outside of his advisory work, he owns a rental property in Bellingham, Washington. Capstone RIA provides investment advisory, financial planning, and retirement-plan consulting to individuals, high-net-worth clients, families, business owners, and corporations. The firm offers tailored, discretionary portfolios based on a long-term, diversified framework and utilizes third-party platforms such as Pontera and Black Diamond to support client reporting and held-away assets.
Lettie S
Series 66
Sumas, WA
Capstone RIA
Lettie Sihota is a financial advisor at Capstone RIA with seven years of industry experience. She holds a Series 66 designation and has worked with firms including Multop Financial, Cetera Advisors LLC, and LPL Financial. Outside of her advisory role, she is a notary public and involved as a manager in her husband's farming business. Capstone RIA provides investment advisory, financial planning, and retirement-plan consulting services to individuals, high-net-worth clients, families, business owners, and corporations. The firm employs a long-term, diversified approach to discretionary portfolio management, utilizing ETFs, equities, bonds, REITs, and alternative investments, supported by third-party technology platforms for held-away assets and client reporting.
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