Our Mission

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To empower you to live your best life now. We strive to invest in your life by understanding what you value, identifying your dreams, and offering a personal solution to help you get there. As we establish a clear vision of your goals and circumstances, together we will build the foundation of a financial plan that best matches your needs and personal circumstances.

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Our Core Values

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1. We believe in fully accepting a fiduciary standard of care on behalf of our clients at all times.

2. We believe that our professional success depends on us truly caring about our clients, listening intently, being respectful of and responsive to their needs and concerns, and conducting business with integrity.

3. We believe that great holistic financial planning is not an event – it is an ongoing process of adjustments and re-evaluations designed to help people live meaningful and fulfilling lives.

4. We believe that a great investment plan does not require you to see the future. It requires a solid, proven strategy, and more importantly, discipline and patience. Incorrect predictions and poor behavior cost people far more money than the product they invested in.

5. We believe that financial planning should be proactive, not reactive. We have designed a comprehensive, systematic approach to the financial planning process to ensure your progress is being monitored and updated on an ongoing basis.

6. We believe that building flexibility and resilience is every bit as important as saving taxes or maximizing return. Your life constantly changes, and therefore, your finances must be structured to accommodate change.

7. We believe that great advice must be given in the context of the whole, not in isolation. What is right for you may not be right for your neighbor, and vice versa. Every investor is unique—requiring custom, comprehensive wealth management solutions.

8. We believe that as your advisors, we must strive to be objective. We do not accept commissions of any kind, and we do not receive referral fees from outside advisors.

9. We believe that by putting our clients’ interests first, we achieve more together.

10. We believe that doing what’s best and doing what’s right should be one and the same.

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The Fiduciary Difference

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Fiduciary duty is a legal requirement of loyalty and care that applies to any person or organization that has a fiduciary relationship with another person or organization. A fiduciary duty is one of complete trust and utmost good faith. Below is a five-step fiduciary statement that you can count on when working with Capstone Advisors: 1. We will always put your best interests ahead of our own. As defined by law, we will act in a fiduciary capacity. 2. When selecting investments, we will act as your agent, seeking the best investments at all times within the constraints of your ability, willingness and need to take risk. 3. We will provide full and fair disclosure of all important facts, including our compensation from the providers of the products and services we offer, as well as all fees we pay to others on your behalf. 4. While neither we nor anyone can promise superior investment returns, we will provide impartial advice and act with skill, care, diligence and good judgment at all times. 5. We will fully disclose and fairly manage, in your favor, any potential conflicts of interest.

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Our Investment Philosphy

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Our investment philosophy is built upon an evidence-based approach to investing and rooted in Modern Portfolio Theory. We ground our approach in the seasoned academic evidence on how capital markets have rewarded investors over the long-term for taking appropriate levels of market risk. Successful professionals and their families can and often should offset their heightened levels of career-time risks with efficiently constructed personal portfolios. Academic evidence has demonstrated that much of investing is beyond control, especially when it comes to forecasting an essentially unknowable future. Given this fact, we recommend portfolios that are globally diversified, are tax efficient and follow the academic evidence while maintaining reasonable costs. Please refer to the following resources for further information how Evidence-Based Investing differs from the traditional active investing: What is Evidence-Based Investing? Investment Metholody Whitepaper

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The BAM Alliance

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As part of the BAM Alliance community of more than 130 independent wealth management firms located throughout the United States — we are united in belief and in practice that there is a better, more effective, and more resilient way for investors and their families to safeguard their financial futures and realize their dreams. Attracted to our unbiased advice, our evidence-based approach to low-cost investing and our ability to deliver on the promise of true wealth management, more than 22,000 investors have become clients of independent BAM ALLIANCE wealth management firms across the country, representing more than $33.0 billion of collective assets. Ultimately, what sets us apart is what brings us together: a passion for evidence, a devotion to transparency, and the promise to put our clients’ interests first with everything we do.

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