How long have you been working with your clients?

Capital Squared Financial was founded in 2023, but our client relationships run much deeper than that. Many of our clients have worked with our advisors for over a decade and chose to continue that relationship when Capital Squared Financial was founded. We think that kind of trust says more about who we are than any credential or award.

Are you a fiduciary?

Yes, always. As fiduciaries, we are legally and ethically obligated to put your interests ahead of our own in every recommendation and every decision we make on your behalf. This isn't a marketing claim. It's a legal standard we are held to, and one we take seriously. Combined with our fee-only structure, it means there is nothing in our business model that creates a conflict between what's good for you and what's good for us.

How do you get paid?

We are a fee-only firm. That means we are paid directly by you and only by you. We do not earn commissions, referral fees, or any other compensation from third parties. When we recommend something, it's because it's right for you, not because someone is paying us to say it.

Our fees depend on the service:

"Manage My Whole Retirement" is billed as a percentage of assets under management, with a lower rate as your portfolio grows:

• Portfolios under $2M: We work with select clients on an all-inclusive advisory fee typically ranging from $9,600 to $14,400/year, covering comprehensive planning and investment management. Availability is limited. Contact us to discuss your situation.
  
• $2M to $5M: 0.75%
  
• $5M to $10M: 0.65%
  
• Over $10M: 0.55%

"Build My Retirement Plan": a flat fee ranging from $3,500 to $5,500, depending on the complexity of your situation. If you move to ongoing management within 90 days, 100% of this fee is credited toward your first year.

We occasionally work on an hourly basis for clients whose needs fall outside these structures. We'll always be upfront about what you'll pay before any work begins.

You can learn more about our fee structure on our Services page.

What services do you offer?

We offer two services: one for people who want an ongoing partnership and one for those who want a plan first.

"Manage My Whole Retirement" is our complete partnership. We combine investment management with ongoing retirement and tax planning, Roth conversions, Social Security optimization, income sequencing, and more all working together as one coordinated strategy. We handle the complexity so you can enjoy retirement.

"Build My Retirement Plan" is a project-based engagement for clients who want a professional-grade retirement roadmap before committing to ongoing management. Through 2–3 planning meetings, we build a written plan with specific, prioritized recommendations across taxes, income, investments, and estate planning. If you move forward to full management within 90 days, 100% of the planning fee credits toward your first year of advisory fees.

You can check out our Services page to learn more about both services. 

Do I have to have a certain amount of assets to work with you?

Not necessarily. Most of our ongoing investment management clients have between $2M and $10M, and we also work with a select number of clients under that level. "Build My Retirement Plan" is available to anyone who wants a professional roadmap, regardless of asset level. What matters more than a number is whether we're the right fit for where you are and where you're headed. We'll start with a conversation to understand your situation and recommend the service that makes the most sense for you.

Can I do my retirement planning myself? 

Honestly, some people can. If you enjoy the details, have the time to stay on top of tax law and the markets, and feel confident making big, hard-to-reverse decisions on your own, you may not need us.

But retirement planning gets harder right when the stakes get highest. The decisions that matter most, when to claim Social Security, what order to draw down your accounts, when to do Roth conversions, how to avoid Medicare surcharges, are easy to get wrong and expensive to undo. Most find it's more than they want to take on, and more than they can afford to get wrong. That's why our clients want a trusted partner in their corner, not another job in retirement.

If you're not sure which camp you're in, a free conversation is a good way to find out. We'll tell you honestly if we think you're better off on your own.