# Capstone RIA

> Capstone RIA is an SEC-registered investment advisory firm in Bellingham, WA, registered since 2025, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated October 1, 2026.

- CRD: 334343
- Filed as: CAPSTONE RIA
- Legal name: VVR Holdings LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Bellingham, WA
- Filing period: October 2026
- Form ADV filing dated: October 1, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/334343
- AdvisorCensus page: https://advisorcensus.com/firm/capstone-ria-bellingham-wa-334343

## Quick answers

**How is Capstone RIA compensated?**
On its Form ADV (Item 5.E, October 2026), Capstone RIA reports these compensation arrangements: a percentage of assets under its management.

**Where is Capstone RIA located?**
Capstone RIA's principal office is in Bellingham, WA, according to its Form ADV.

**Is Capstone RIA registered with the SEC or a state?**
Capstone RIA is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 334343.

**How much does Capstone RIA manage?**
Capstone RIA reports $241,081,561 in regulatory assets under management in its Form ADV filing dated October 1, 2026 (100% discretionary).

**How have Capstone RIA's assets and staff changed since 2025?**
In the Form ADV data for Capstone RIA: Regulatory assets under management: $198,851,220 in the October 2025 data and $241,081,561 in the October 2026 data, up 21%. Total employees: 3 in October 2025 and 3 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Capstone RIA serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (175); high net worth individuals (87).

**Which custodians does Capstone RIA use?**
Capstone RIA's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Capstone RIA report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/334343

**Does Capstone RIA state an account minimum?**
Its Form ADV Part 2A brochure dated January 21, 2026 says: "Capstone has no minimum account size for opening or maintaining an account."

**What changed in Capstone RIA's recent Form ADV filings?**
In the February 2026 filing data: Regulatory assets under management went from $198,851,220 to $241,081,561 (+21%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management

### Fees and minimums (Form ADV Part 2A brochure dated January 21, 2026)

- Account minimum: None

> Capstone has no minimum account size for opening or maintaining an account.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $241,081,561
- Discretionary: $241,081,561
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 175 | $79,476,724 |
| High net worth individuals | 87 | $161,604,837 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2025 (1 year)
- Employees: 3 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AK, AZ, ID, IN, LA, MT, NV, OR, TX, WA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- capstoneria.com
- Facebook @capstoneria
- Instagram @capstoneria
- LinkedIn @capstone-ria-wealth-advisors

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2025 | $198,851,220 | 3 | April 28, 2025 |
| October 2026 | $241,081,561 | 3 | October 1, 2026 |

Regulatory assets under management: $198,851,220 in the October 2025 data and $241,081,561 in the October 2026 data, up 21%.
Total employees: 3 in October 2025 and 3 in October 2026.

## Changes in the filing (last 12 months)

### February 2026
- Regulatory assets under management went from $198,851,220 to $241,081,561 (+21%).

### December 2025
- Registered or notice-filed in MT.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Capstone RIA (CRD 334343): Form ADV filing data as of October 2026.