WHO WE ARE

Capstone Advisors is a fee-only Registered Investment Advisor, with a fiduciary duty to every client, devoted to delivering on the promise of holistic wealth management.

Our Mission


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.




Our Core Values


  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.




The Fiduciary Difference


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.




Our Investment Philosphy


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




The BAM Alliance


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.





 

WHAT WE DO

Capstone Advisors offers a wide range of services under the umbrella of Personal Wealth Management and Corporate Retirement Planning

Personal Wealth Management

Our clients enjoy knowing they have a customized wealth management plan designed to integrate and enhance every aspect of their financial lives. It’s what we mean when we talk about “True Wealth Management”, a holistic, all-encompassing approach that goes well beyond just investment advice.  It incorporates all facets of our clients’ financial lives from tax planning to estate planning to risk management to retirement funding to charitable giving and beyond.  By understanding and aligning these critical components of financial health, investors and their families substantially improve the odds of reaching their most important goals.

Investment Consulting

Investment Management

Retirement Planning

Portfolio Allocation & Asset Location

Evidence-Based Investing

Education & Ongoing Support

Portfolio Maintenance 

Advanced Planning

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Tax Bracket Management

Wealth Spend-Down Planning

Charitable Giving

Risk Management

Estate Planning

Wealth Transfer Planning

Special Needs Life Planning

Relationship Management

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Goals-Based Planning

Client-Need Oriented

Fee-Only Compensation

Fiduciary Responsibility

Unbiased Advice

Corporate Retirement Planning

With retirement plans being the most important—and perhaps the most complicated—benefits that your employees receive, it is crucial that you, as the plan fiduciary, provide them with the best care. Through years of experience, we have led the way by continuously enhancing our strategy as it continues to succeed through our regulated and increasingly litigious environment.

Fiduciary Oversight

Retirement Plan Design

Investment Consulting

Vendor & Benchmark Search

Employee Education & Advice 

 

MEET THE TEAM

Capstone Advisors brings together a team of professionals with a diverse, yet relevant set of experiences and qualifications to most effectively find the solution that is in your best interest. 

Scott Krafft | CFA, CPA/PFS
Wealth Advisor
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How do I empower clients to live their best lives now?

Our mission is to use our professional and personal experiences, creatively and objectively to help our clients live their best lives each day.  While financial security is important, we don’t start or stop there.  Financial security must connect it to what is most meaningful to them, to empower them to live to their fullest potential.  I enjoy engaging our clients in deep and meaningful conversation, helping guide them in discovering their core values.  With 35 years of experience as a finance professional, I’m able to help our clients build a financial life to achieve their life vision and experience their best lives now.

 

How do I spend my time outside of Capstone Advisors?

Each day of my life is a gift that is centered around my faith, my family, and my friends.  Viewing life through this lens, I express my best life through a passion for health and fitness.  I am an avid Crossfitter and nutrition enthusiast.  I’m energized by individuals facing seemingly impossible physical challenges and overcoming them through discipline, perseverance and an indomitable spirit.   Staying fit and healthy enables me to give my best to those around me, to encourage others to live healthy so they can be their best to serve others.  I’m also passionate for teaching young adults how live faithful lives in and increasingly complex world by  challenging them to think deeply about why they are here and how they can influence their world.

Robert Rachlow | FSA, MAAA
Wealth Advisor
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How do I empower clients to live their best lives now?

I love helping our clients discover their real goals and working with them to achieve their dreams, financial and otherwise.  My biggest reward is when my clients have that “ah-ha” moment, when that lightbulb turns on and a smile comes to their faces.  Once this vision is clarified and clients can see a path towards their goals and dreams, the stress of the future unknown goes away, and we become a genuine partner in our clients’ day-to-day lives.  They are then free to enjoy today while knowing that they have a trusted advisor in their corner that has their best interests solely in mind at all times.

 

How do I spend my time outside of Capstone Advisors?

Presently, a lot of my spare time is spent taking care of and working with my new Miniature Schnauzer puppy, Tucker. However, that focus will change, as I just recently became a grandparent for the first time, as my oldest son and his wife became parents to a baby son, Greyson.  I plan to fully implement the grand-parenting skill of spoiling him rotten and then handing him over to his parents when I’m done! I also umpire collegiate and high-school baseball and get to enjoy Scuba Diving on occasion.

Andy Krafft | CPA, CFP®
Associate Wealth Advisor
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How do I empower clients to live their best lives now?

As an Associate Wealth Advisor, I work with clients to not only discover their personal life vision, but assist in creating and executing a plan to help that vision become a reality.  My responsibility is to act as a personal fiduciary, advisor, and confidant. I am excited and proud to be a part of a team that not only cares about financial wellness, but strives to help client's flourish in all aspects of life.

 

How do I spend my time outside of Capstone Advisors?

Outside of Capstone, I enjoy spending time with friends and family.  Living in Charlotte, my wife and I love to visit local restaurants and coffee shops.  When our schedule allows, we also enjoy taking trips to the mountains, beach, or back to the Midwest.  I try to stay active by maintaining a consistent exercise schedule--whether it be running, Insanity, or Crossfit.  I also enjoy spending time outdoors hiking, rock climbing, and stargazing.  When I’m not outside or exercising, I enjoy cooking at home with my wife.