Capital Financial Management, Inc.

The firm is a solo, state-registered advisory practice that provides comprehensive financial planning to individuals, families, small businesses, trusts, estates, charitable organizations and other business entities. Its services include retirement, tax, estate and college funding planning, insurance planning, advice on employer 401(k) options, divorce and pre-marital counseling, succession planning for businesses, and financial planning seminars.

Rather than acting as a discretionary money manager, the firm delivers written financial plans, conducts periodic reviews, and makes investment and insurance recommendations that clients may implement through a broker-dealer of their choice. The firm’s stated investment approach relies on fundamental and cyclical analysis with a long-term purchase orientation, and it does not custody client assets or manage portfolios on a discretionary basis.

Distinctive features include operating as a fee-plus-commission adviser and functioning as an independent insurance agency that sells life and fixed annuity products under agency agreements with multiple carriers, as well as offering educational seminars—activities the firm’s brochure highlights as integral to its practice. The principal also maintains securities registrations and a relationship with a broker-dealer the firm routinely recommends (a disclosed potential conflict), and the firm does not charge percentage-of-assets‑under‑management fees or provide portfolio management services, which differentiates its business model from many independent advisers.