Capstone Wealth

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Client assets under management

$316,094,284

Clients

159

53% high-net-worth

Advisors

of 8 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

Typical

Average account size

$1,988,014

About

Capstone Wealth Management serves individual and high-net-worth clients, with a particular focus on business owners and professional executives, and provides wealth management, portfolio management, general financial planning, specialized planning for business owners/executives, and 1031 exchange advisory services; the firm reports managing roughly $354 million in client assets. It also advises on employer-sponsored retirement plan assets and works with clients’ trusts and estates.

The firm implements client strategies through a written investment policy statement, favoring diversified mutual-fund-based portfolios supplemented by fixed-income securities and occasional individual equity positions, and conducts discretionary trading with periodic monitoring and rebalancing (annual reviews and rebalancing at least every 18 months). Manager selection is described as a research-driven process that evaluates managers against industry and client data and seeks to align allocations with each client’s risk tolerance and goals.

What distinguishes Capstone Wealth from many peers is its explicit 1031 exchange facilitation service—including due diligence and private placement considerations—and the fact that some personnel are licensed insurance agents who may recommend commissionable insurance products (with disclosures and conflict-management procedures described in the brochure). The firm also notes use of client testimonials in its advertising and directs clients to a single recommended custodian for account custody and trade execution, which shapes its brokerage and service relationships.

Client services

Financial planning Portfolio management

Expertise

Business ownership considerations Business exit / sale strategy Equity Recipients (RS/RSU, SOP, ESPP) General retirement planning

Occupation focus

Founder/Business Owner Executive

Fee options

Fixed

Financial Planning for Business Owners and Professional Executives charged $2,500 per quarter.

Percentage

$0 - $249,999: 2.00% $250,000 - $499,999: 1.50% $500,000 - $999,999: 1.20% $1,000,000 - $2,499,999: 0.90% $2,500,000 - $4,999,999: 0.75% $5,000,000+: 0.55%

Commissions

Commissionable insurance products may be recommended; commissions disclosed and may result in advisory fee reductions at firm's discretion.

Project-based

Financial Planning Services charged at $300 per hour, negotiable.

Other

Account minimum: $1,000,000 Minimum fee: Minimum fee of $300 for General Financial Planning Services if services are provided via phone communications. Fee-only: Financial Planning Services at $300 per hour (negotiable), minimum fee $300; Financial Planning for Business Owners and Professional Executives at $2,500 per quarter.

Main office location

Capstone Wealth

1731 Poly Drive

Billings MT 59102, United States

Number of offices

Most active in

Louisiana · Montana · Texas · Washington · Wyoming

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 Form ADV Part 3: Client Relationship

Quick links

LinkedIn Website 406-325-1500

Advisors at this firm

Nicole C

Series 65

Billings, MT

Capstone Wealth

Nicole Chakos is a financial advisor with Capstone Wealth Management in Billings, MT, holding a Series 65 license and two years of industry experience. She has been with Capstone Wealth since 2022 and also owns and operates N Chakos, Incorporated, a women's clothing distribution business she founded in 2014. In addition to her advisory role, she is a licensed insurance agent. Capstone Wealth Management serves individuals and high-net-worth clients, focusing on business owners, executives, and professionals planning ownership transitions or retirement. The firm manages approximately $301 million in assets using a disciplined, data-driven investment approach and offers specialized services including 1031 exchange facilitation.

Business ownership considerations Business exit / sale strategy Equity Recipients (RS/RSU, SOP, ESPP) General retirement planning Founder/Business Owner Executive

Mark T

Series 63, Series 65

Billings, MT

Capstone Wealth

Mark Thomas is a financial advisor at Capstone Wealth with 23 years of industry experience. He has been with Capstone Wealth Management, Inc. since 2006. Thomas holds Series 63 and Series 65 licenses and is also a licensed insurance agent and consultant, providing insurance evaluations and policy analyses alongside his advisory role. Capstone Wealth Management serves individuals and high-net-worth clients, particularly business owners, executives, and professionals planning ownership transitions or retirement. The firm manages approximately $301 million in client assets using a disciplined, data-driven investment approach and offers specialized services including 1031 exchange facilitation.

Business ownership considerations Business exit / sale strategy Equity Recipients (RS/RSU, SOP, ESPP) General retirement planning Founder/Business Owner Executive

Austin T

Series 65

Billings, MT

Capstone Wealth

Austin Thomas is a financial advisor at Capstone Wealth with four years of industry experience. He holds a Series 65 designation and previously worked at DoorDash, Inc. and Zenreach. In addition to his advisory role, Thomas is a licensed insurance agent. Capstone Wealth Management serves individuals and high-net-worth clients, focusing on business owners, executives, and professionals planning ownership transitions or retirement. The firm employs a data-driven investment approach with an emphasis on diversified mutual funds and fixed income, and offers specialized services including 1031 exchange facilitation.

Business ownership considerations Business exit / sale strategy Equity Recipients (RS/RSU, SOP, ESPP) General retirement planning Founder/Business Owner Executive

Thomas W

CFP®, Series 63, Series 65

Billings, MT

Capstone Wealth

Thomas Webber is a CFP® with 15 years of experience in financial advising, currently with Capstone Wealth Management, Inc. since 2016. He previously worked at Pruco Securities LLC and The Prudential Insurance Company of America. Webber is also a licensed insurance agent, evaluating and recommending insurance products alongside his advisory role. Capstone Wealth Management serves individuals and high-net-worth clients, focusing on business owners, executives, and professionals planning ownership transitions or retirement. The firm manages approximately $301.1 million in client assets using a disciplined, data-driven approach that includes wealth management, specialized financial planning, and 1031 exchange facilitation.

Business ownership considerations Business exit / sale strategy Equity Recipients (RS/RSU, SOP, ESPP) General retirement planning Founder/Business Owner Executive

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