eCapital Advisors, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
eCapital Advisors, Inc. provides investment management, financial planning and related financial oversight services for individuals, banks and thrift institutions, pension and profit-sharing plans, trusts, estates, charitable organizations and business entities. The firm develops written investment policy statements through personal discussions and an intake process and offers additional implementation support such as assistance with bill‑paying, bookkeeping and working with other professionals; it generally requires a $250,000 minimum account.
The firm’s investment approach is rooted in Modern Portfolio Theory and a belief that markets are largely efficient, favoring diversified, buy‑and‑hold portfolios implemented principally with passively managed, asset‑class mutual funds and conservative fixed‑income securities. eCapital uses tools such as Monte Carlo simulation for allocation analysis and relies on mutual fund lineups including Dimensional Fund Advisors (DFA) funds and Schwab Institutional research to inform recommendations.
Compared with many peers, eCapital’s assets are managed overwhelmingly on a non‑discretionary basis — as of December 31, 2025 it reported $0 discretionary and $15,600,920 non‑discretionary assets — meaning clients typically retain final approval over trades. The firm is led by a long‑tenured principal who holds the CFP® designation and combines that planning credential with access to DFA and Schwab support services, while also offering services (e.g., institutional and higher‑net‑worth client focus, bookkeeping/oversight) that are less common for firms of its size.
Client services
Expertise
Fee options
Fees may be agreed to in advance as a fixed fee for the term of the agreement.
$0 - $1,000,000: 1% $1,000,001 - $3,000,000: 0.75% $3,000,001 - $5,000,000: 0.5% $5,000,001+: Negotiable
Account minimum: $250,000
Main office
Waco TX
Advisors at this office
1
Most active in
Texas
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.
Forms ADV
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