Capstone built our reputation on friendly service, impeccable ethics, and respect for every client. We take our fiduciary oath seriously – our clients’ needs drive our relationship, and the focus is always on you. Here is a guide of our onboarding process and what to anticipate when you team up with us.
1. Welcome! Initial Meeting & Begin Onboarding Process
Step one is the fun part – getting to know you and establishing your goals. We will review your current financial picture and explore what you want your future to look like.
2. Information Gathering
Here we get the ball rolling by gathering all necessary account information, statements and opening your investment account.
3. Obtain Signatures
We make it easy to manage paperwork according to your preferences: Workflow, DocuSign or in-person
4. Funding of Accounts
- Rollover Instructions and possible call
- Transfer of Assets (TOA) when applicable
- Client Funding (Deposits and Bank Links)
5. Identify Risk Tolerance
Through conversation and a questionnaire we’ll help you identify your risk tolerance and determine your investment philosophy.
6. Explanation of Important Details
- Secure emails for personal information
- Emails from Schwab such as voting, trade confirmations, etc.
- Schwab Online Access (creating personal Schwab account)
- Missing information may result in a “frozen account”
- Advyzon access login and purpose
7. Meet the Team
We’ll introduce you to the members of the Capstone team, detailing their roles so that you can identify them and understand when and why you may engage with them.
More About the Capstone Client Experience:
Personal Relationships
Our team listens and takes the time to get to know you to identify your personal circumstances, preferences, and financial goals. We are here to offer a sounding board to help you think through complex decisions so you can feel confident and empowered as life evolves. We honor the fact that every individual has preferences about how often they want to hear from us, and in what way (face-to-face, phone, video chat). At a MINIMUM you can expect:
- Fiduciary service: your best interest comes first
- 4 meetings or calls per year
- 2 account reviews per year
- Tax strategies (working with your accountant)
- Assistance and guidance with account contributions/distributions, including RMD
- Estate and Legacy Planning
- Retirement Planning
Financial Planning & Portfolio Management
- Develop a plan that is unique to your financial goals and needs: your unique Financial Fingerprint
- Cash flow: align expenses with your goals and establish emergency savings
- Design and implement an individualized portfolio
- Risk management: avoid and minimize risk, protect what you’ve earned
- Regular updates and adjustments as circumstances changes
- Ongoing coaching, management, and service
- Accessibility, friendly service, and timely responses