About Our Firm
At Client First Capital, we are committed to protecting and sustaining your wealth and financial well-being for multiple generations through our firm values of transparency, trustworthiness, and thought leadership. As a family advisor, we specialize in providing multigenerational financial planning that is integrated with estate and tax planning.
“I consider it a privilege to have the opportunity to serve my clients and their families and help them make decisions that align with their values and family dynamics.”
Why Choose Client First Capital?
There are many financial service providers you could choose from, spanning the range from large broker-dealers to small boutique firms. Here is why our clients choose us as a trusted family advisor over the rest of the crowd:
We do not take a mass-market approach. As a family advisor, we invest in building mutual trust through deep client relationships allowing us to give our clients a tailored wealth management solution.
Our integrated wealth management solution combines investments, taxes and estate planning while taking into consideration your family’s values and dynamics.
We focus on simplicity, enabling our clients to focus on what matters most to them and their families.
We are dedicated to transparency, giving our clients peace of mind that their interests come first.
We consider the full scope of your wealth when you are crafting a legacy for future generations.
| Client First Capital | Other Wealth Management Firms | |
|---|---|---|
| Advisor Standard | Fiduciary Standard | Varies |
| Client Engagement Model | Family Advisor (Multi-Generations) | Primarily Account Owners |
| Solutions | Tailored Advice | Based on Product Solutions |
| Fee Structure | Fee Only | Potential for commission, kickbacks, Broker/Dealer spreads, etc. |
| Investment Approach | Actively Managed | Tactical Asset Allocation |
| Tax Planning | Yes – 1040 Tax Analysis | No |
| Tax Optimization | Yes – Portfolio Level | Account Level |
| Tax Loss Harvesting | Yes – Strategic | Maybe (systematic) |
| Estate Planning | Assist with strategy & legal docs, serve as trustee (limited capacity) | Outsourced estate planning / custodian may serve as trustee |
| Charitable Planning | Yes – Strategic, tax-efficient multi-generation family engagement | Typically limited to publicly traded stocks |
| Gift Planning | Yes – Strategic tax-efficient gifting plan | Cash/securities |
| Custodian | Multiple | Single |
Our Guiding Principles
INTEGRITY
Trust is central to a successful long-term relationship. We are stewards of your capital and adhere to the high watermark for ethical standards in the financial industry, as defined by the Chartered Financial Analyst Institution and the CFP® designation.
EXPERTISE AND INSIGHT
We pride ourselves on providing thought leadership in the field of financial services and can create and implement complex financial strategies around retirement income, tax planning, and estate planning.
TRANSPARENCY
We have a clear pricing model and believe in full transparency regarding compensation for our services. We are not a broker-dealer and do not take commissions, kickbacks, spreads, or other monetary compensation for the services we provide our clients outside of our fees. We are Fee-Only.
SERVICE AND DEPENDABILITY
Our clients come first. It's that simple. We provide honest and impartial advice based on your goals.
Our Expertise
We provide customized, evidenced based financial solutions by applying behavioral finance to your long term goals, current financial situation and unique life circumstances.
We are accountable for executing our client’s financial strategy and providing ongoing guidance based on clear and transparent reporting around progress towards financial goals. While no person can control the financial markets, our job is to focus on risk, fees and taxes — three areas which we can control.
Taking a proactive approach around these three areas is crucial to achieving a higher after tax return for your family than simply picking and timing the right investment.