What does it take to build confidence in your retirement planning? With over $852.2 billion in assets under management, one firm stands out for its expertise and innovative approach. This review explores how they’ve become a trusted name in the financial industry.
The firm operates with a dual service model, catering to both institutional partnerships and direct advisory services. Their team of 718 credentialed professionals ensures personalized solutions for a diverse client base, including high-net-worth individuals.
What sets them apart? Their curated content strategies and multi-tiered fee structures provide transparency and value. Whether you’re planning for retirement or managing institutional assets, their approach is designed to meet your unique needs.
Key Takeaways
- Over $852.2 billion in assets under management.
- Focus on retirement planning confidence.
- Dual service approach: institutional and direct advisory.
- 718 credentialed advisors serving diverse clients.
- Curated content strategies and transparent fee structures.
Introduction to Captrust Advisors
Since its founding in 1997, this firm has grown into a national leader in financial planning. Headquartered at 4208 Six Forks Rd in Raleigh, NC, it now operates across all 50 states. Its journey from a local firm to a nationwide powerhouse reflects its commitment to excellence.
As an SEC-registered RIA, the firm maintains a clean compliance record. This regulatory standing ensures clients can trust its services. Whether managing workplace retirement plans or catering to high-net-worth family offices, it offers tailored solutions for diverse needs.
Strategic partnerships have played a key role in its growth. For example, collaborations with institutions like the UK’s retirement program highlight its global reach. These alliances enhance its ability to deliver innovative solutions.
With over 100,000 managed accounts, the firm’s operational scale is impressive. Of these, 88,251 are discretionary, showcasing its proactive approach to wealth management. This scale allows it to serve clients efficiently while maintaining personalized attention.
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What Sets Captrust Advisors Apart?
In a crowded financial planning landscape, what makes a firm truly stand out? The answer lies in its ability to deliver personalized solutions tailored to each client’s unique needs. With 2,500 financial plans delivered annually, their approach is both comprehensive and adaptable.
Personalized Financial Planning
Their custom lifecycle approach ensures clients receive guidance at every stage of their life. Whether you’re in the early, middle, or late stages of your career, their content roadmaps provide clarity and direction. This segmentation helps clients make informed decisions aligned with their goals.
Behavioral finance plays a key role in their strategy. By understanding how emotions influence financial choices, they help clients stay on track. This integration ensures a more holistic approach to wealth management.
Comprehensive Wealth Management Solutions
Their multi-generational planning strategies focus on family wealth continuity. This ensures that future generations benefit from the same level of expertise. Additionally, their institutional-grade market analysis brings professional insights to individual portfolios.
For workplace participants, proprietary financial wellness programs offer tools to improve financial health. These programs are designed to empower individuals to take control of their financial future.
Lifecycle Stage | Key Focus Areas |
---|---|
Early Career | Debt management, savings strategies |
Middle Career | Investment growth, retirement planning |
Late Career | Wealth preservation, legacy planning |
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Services Offered by Captrust Advisors
Navigating the complexities of financial planning requires expertise and tailored solutions. With a focus on both individual and institutional needs, the firm offers a range of services designed to address diverse financial goals. Their three-tiered business focus—individuals, institutions, and pooled vehicles—ensures comprehensive support for every client.
Portfolio Management
Their expertise in investments ensures clients’ portfolios are managed with precision. With 88,251 discretionary accounts and 12,352 non-discretionary accounts, they provide both proactive and advisory options. This flexibility allows clients to choose the level of involvement that suits their preferences.
ERISA compliance further underscores their commitment to corporate retirement plan oversight. This ensures that workplace retirement plans are managed with the highest standards of transparency and accountability.
Retirement Planning
Tailored retirement strategies are a cornerstone of their services. From tax-optimized withdrawal strategies to legacy planning, they help clients secure their financial future. Small business owners also benefit from solutions ranging from 401(k) design to exit planning.
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Service | Key Features |
---|---|
Portfolio Management | Discretionary and non-discretionary options, ERISA compliance |
Retirement Planning | Tax-optimized withdrawals, small business solutions |
Captrust Advisors’ Approach to Financial Planning
Effective financial planning requires a strategy that evolves with your life stages. The firm’s approach is built on a foundation of curated content tailored to individual needs and career phases. This ensures clients receive relevant guidance at every step of their journey.
Curated Content by Career Stage
The firm’s digital education portal offers over 75 proprietary tools designed to address specific challenges. These resources are segmented into frameworks for early, middle, and late career stages.
- Early Career: Focuses on debt management and building emergency funds.
- Middle Career: Prioritizes education funding and insurance optimization.
- Late Career: Emphasizes Social Security timing and legacy planning.
Curated Content by Need
Beyond career stages, the firm provides need-based resources to address specific financial goals. From debt reduction calculators to Monte Carlo simulations, these tools empower clients to make informed decisions.
For example, the Plan/Save/Invest/Retire modules offer step-by-step guidance for achieving long-term financial security. This structured approach ensures clients can navigate complex financial landscapes with confidence.
Who Can Benefit from Captrust Advisors?
Understanding who benefits most from financial advisory services can help align your needs with the right expertise. With a diverse client base, the firm caters to individuals, high-net-worth families, and corporations. Their tailored solutions ensure every client receives the support they need to achieve their financial goals.
Retail Investors
For individual clients, the firm offers dedicated advisor access with a minimum account threshold of $500,000. This ensures personalized attention and customized strategies. Whether you’re planning for retirement or managing investments, their expertise helps you navigate the market with confidence.
High Net Worth Individuals
High-net-worth individuals benefit from specialized services like family office solutions and concentrated stock management. For ultra-high-net-worth clients with over $25 million in assets, the firm provides comprehensive wealth continuity planning. Their focus on legacy and wealth preservation ensures future generations are well-supported.
Corporate executives also find value in services like non-qualified deferred compensation (NQDC) plans. These solutions help manage complex financial needs while aligning with long-term business goals. Middle-market businesses can leverage expertise in ESOP valuations and succession planning to ensure smooth transitions.
Non-profit organizations, including endowments and foundations, benefit from specialized investment and governance advice. The firm’s expertise in endowment spending policies and outsourced chief investment officer (OCIO) services ensures these organizations maximize their financial resources. For more information, visit their official website.
Fee Structure and Transparency
Understanding how fees are structured is crucial for making informed financial decisions. A clear and transparent fee model ensures clients know exactly what they’re paying for and why. This builds trust and helps clients allocate their money wisely.
Asset-Based Fees
Asset-based fees typically range from 0.50% to 2.00% of assets under management (AUM). These fees are tiered, with reduced rates for higher AUM levels. For example, clients with $1 million, $5 million, or $10 million in assets benefit from lower percentages. This breakpoint schedule ensures fair pricing for all clients.
Hourly and Fixed Fees
For those who prefer flexibility, hourly and fixed fees are available. Fixed financial plans cost between $1,000 and $3,000, depending on complexity. Hourly rates are adopted by 21% of clients, offering a pay-as-you-go option. Hybrid pricing models, combining AUM fees with flat retainers, are also popular among business owners.
- Breakpoint Schedule: Reduced rates at $1M, $5M, $10M AUM tiers.
- Hybrid Pricing: Combines AUM fees with flat retainer options for business owners.
- Financial Plan Implementation: Typically 0.25% of net worth.
- Pro Bono Services: Offered to workplace retirement plan participants.
- Full Disclosure: No proprietary products or hidden commission structures.
Transparency is a cornerstone of their fee structure. Clients can trust that their money is managed with integrity, free from hidden costs or conflicts of interest. This approach ensures clarity and confidence in every financial decision.
Captrust Advisors by the Numbers
Numbers tell a story, and in financial planning, they reveal success. With over 100,603 total accounts managed, the firm’s scale reflects its ability to deliver consistent results. Its 2,500 annual financial plans and 11,258 high-net-worth clients further underscore its expertise in tailored solutions.
Assets Under Management
The firm’s AUM growth trajectory stands at an impressive 22% CAGR since 2015. This steady increase highlights its ability to adapt to market changes and deliver value. With a 94% client retention rate over five years, it has built lasting relationships based on trust and results.
Technology adoption is another key metric, with a 68% client portal utilization rate. This ensures clients have access to tools and content that simplify financial management. Workplace plans also show strong engagement, with an 83% participant rate, reflecting the firm’s focus on empowering individuals.
Client Success Stories
One notable case study involves a $4.5 million intergenerational wealth transfer. The firm’s expertise ensured a seamless execution, preserving wealth for future generations. Such stories highlight its commitment to securing clients’ future financial stability.
Metric | Value |
---|---|
AUM Growth (CAGR) | 22% since 2015 |
Client Retention Rate | 94% over 5 years |
Workplace Plan Engagement | 83% participant rate |
Client Portal Utilization | 68% |
For those planning their retirement, these metrics offer confidence in the firm’s ability to deliver results. Its data-driven approach ensures clients can trust their financial journey is in capable hands.
Conclusion: Why Choose Captrust Advisors?
Choosing the right financial partner can shape your future security. With 718 experienced professionals and a 50-state presence, this firm combines institutional strength with personalized service. Its transparent fee structures stand out against traditional wirehouse alternatives, offering clarity and value.
Looking ahead, the firm is testing AI-driven planning tools to enhance its offerings. These innovations aim to provide even more tailored solutions for clients. Ideal clients include high-net-worth individuals and those seeking comprehensive retirement strategies.
For those ready to take the next step, a complimentary retirement plan audit is available. This ensures your financial goals align with your vision for the future. Trust in a partner that prioritizes your long-term success.