Matthews, NC Office

Capstone provides investment advisory services to individuals, high-net-worth clients, families, trusts, estates, businesses, charitable organizations and retirement plans. The firm offers comprehensive wealth management and investment management, standalone financial planning, and retirement plan advisory services (including ERISA 3(38) support), delivered on both discretionary and non‑discretionary bases and sometimes implemented through unaffiliated independent managers.

The firm typically builds a long‑term strategic asset allocation for each client and overlays a tactical allocation for portions of portfolios, using fundamental analysis to select low‑cost mutual funds and ETFs as well as individual equity and fixed‑income securities. Portfolios are monitored continuously, with the advisor retaining legacy positions for tax or suitability reasons when appropriate and trading shorter‑term when rebalancing or client needs dictate.

Capstone is affiliated with a broker‑dealer platform, and several advisors are registered representatives and insurance licensed, which gives the firm access to platform services, research, and trade execution resources and informs its routine recommendation that clients custody assets on that platform; the brochure discloses potential conflicts from these dual roles and the firm’s measures to mitigate them. The team’s composition and backgrounds — including advisors with atypical prior careers and the firm’s explicit ERISA plan fiduciary offerings — are notable features that distinguish it from many peers.