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:

Retirement Planning & Investment Management is billed as a percentage of assets under management which is 0.75% annually for portfolios between $2M and $5M, with lower rates for larger portfolios. Clients under $2M are billed on an all-inclusive flat fee starting at $9,600/year, covering comprehensive planning and investment management. 

Comprehensive Retirement Plan: flat fee ranging from $3,500 to $5,500 depending on the complexity of your situation.

Retirement Readiness Consultation: flat fee of $850.

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 three services, each designed for a different stage of the planning process.

Retirement Planning & Investment Management 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.

Our Comprehensive 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.

Our Retirement Readiness Consultation is a focused 60-90 minute session for clients with specific, pressing questions including retirement timing, Social Security, tax strategy or investment decisions. You get clear, expert answers with no ongoing commitment required.

You can check out our Services page to learn more about each tier. 

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

No. We work with clients across a wide range of financial situations. 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.