{
  "crd_number": 165359,
  "slug": "capstone-wealth-management-corp-lakeland-fl-165359",
  "primary_business_name": "CAPSTONE WEALTH MANAGEMENT CORP.",
  "legal_name": "CAPSTONE WEALTH MANAGEMENT CORP.",
  "dbas": [],
  "city": "Lakeland",
  "state": "FL",
  "country": "United States",
  "cbsa_code": "29460",
  "metro": {
    "cbsa_code": "29460",
    "common_name": "Lakeland",
    "msa_name": "Lakeland-Winter Haven, FL",
    "path": "/advisors/fl/lakeland"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2021-06-01",
  "years_registered": 5,
  "period": "2026-10-01",
  "filing_date": "2026-07-02",
  "carried_forward": false,
  "raum_total": 109447228.0,
  "raum_discretionary": 108224700.0,
  "raum_non_discretionary": 1222528.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 5,
  "advisory_employees": 3,
  "client_count_bucket": "fewer_than_5_in_some_types",
  "clients_by_type": {
    "charitable": {
      "raum": 0.0,
      "count": 0
    },
    "individuals": {
      "raum": 52333028.0,
      "count": 262
    },
    "banking_thrift": {
      "raum": 0.0,
      "count": 0
    },
    "state_municipal": {
      "raum": 0.0,
      "count": 0
    },
    "insurance_companies": {
      "raum": 0.0,
      "count": 0
    },
    "investment_companies": {
      "raum": 0.0,
      "count": 0
    },
    "pension_profit_sharing": {
      "raum": 1222568.0,
      "count": 2,
      "fewer_than_5": true
    },
    "other_investment_advisers": {
      "raum": 0.0,
      "count": 0
    },
    "high_net_worth_individuals": {
      "raum": 55891632.0,
      "count": 24
    },
    "pooled_investment_vehicles": {
      "raum": 0.0,
      "count": 0
    },
    "corporations_other_businesses": {
      "raum": 0.0,
      "count": 0
    },
    "business_development_companies": {
      "raum": 0.0,
      "count": 0
    },
    "sovereign_wealth_foreign_official": {
      "raum": 0.0,
      "count": 0
    }
  },
  "compensation_types": [
    "fixed",
    "percentage_of_aum",
    "performance_based"
  ],
  "advisory_activities": [
    "educational_seminars",
    "financial_planning",
    "periodicals_newsletters",
    "portfolio_management_businesses_institutional",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 3,
  "states_registered": [
    "CA",
    "FL",
    "NC",
    "WI"
  ],
  "websites": [
    "https://careformywealth.com"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/165359",
  "disclosure_items": [
    {
      "item": "11.E(1)",
      "question": "Has a self-regulatory organization (such as FINRA) or a commodities exchange ever found that the firm or an advisory affiliate made a false statement or omission?"
    },
    {
      "item": "11.E(2)",
      "question": "Has a self-regulatory organization or a commodities exchange ever found that the firm or an advisory affiliate was involved in a violation of its rules, other than a minor rule violation under a plan the SEC approved?"
    },
    {
      "item": "11.E(4)",
      "question": "Has a self-regulatory organization or a commodities exchange ever disciplined the firm or an advisory affiliate by expelling or suspending it from membership, barring or suspending it from association with other members, or otherwise restricting its activities?"
    }
  ],
  "city_as_filed": "LAKELAND",
  "url": "https://advisorcensus.com/firm/capstone-wealth-management-corp-lakeland-fl-165359",
  "display_name": "Capstone Wealth Management Corp.",
  "summary": "Capstone Wealth Management Corp. is an SEC-registered investment advisory firm in Lakeland, FL, registered since 2021, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated July 2, 2026.",
  "citation": "AdvisorCensus. Capstone Wealth Management Corp. (CRD 165359): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Fixed fees (other than subscription fees)",
    "Performance-based fees"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Portfolio management for businesses (other than small businesses) or institutional clients",
    "Publication of periodicals or newsletters",
    "Educational seminars/workshops"
  ],
  "quick_answers": [
    {
      "q": "How is Capstone Wealth Management Corp. compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Capstone Wealth Management Corp. reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees); performance-based fees."
    },
    {
      "q": "How much does Capstone Wealth Management Corp. charge?",
      "a": "Its Form ADV Part 2A brochure dated March 30, 2026 states: Up to $250,000: 2.25% a year; $250,000 to $500,000: 2% a year; $500,000 to $1,000,000: 1.75% a year; $1,000,000 to $2,000,000: 1.25% a year; Above $2,000,000: 1% a year. Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Capstone Wealth Management Corp. located?",
      "a": "Capstone Wealth Management Corp.'s principal office is in Lakeland, FL, according to its Form ADV; the August 2026 filing also lists 1 other office (Schedule D, Section 1.F)."
    },
    {
      "q": "Is Capstone Wealth Management Corp. registered with the SEC or a state?",
      "a": "Capstone Wealth Management Corp. is an SEC-registered investment advisory firm, registered since 2021. Status as filed: Approved. CRD 165359."
    },
    {
      "q": "How much does Capstone Wealth Management Corp. manage?",
      "a": "Capstone Wealth Management Corp. reports $109,447,228 in regulatory assets under management in its Form ADV filing dated July 2, 2026 (99% discretionary)."
    },
    {
      "q": "How have Capstone Wealth Management Corp.'s assets and staff changed since 2021?",
      "a": "In the Form ADV data for Capstone Wealth Management Corp.: Regulatory assets under management: $148,596,568 in the October 2021 data and $109,447,228 in the October 2026 data, down 26%. Total employees: 3 in October 2021 and 5 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Capstone Wealth Management Corp. serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (262); high net worth individuals (24); pension and profit sharing plans (but not the plan participants or government pension plans) (2)."
    },
    {
      "q": "Which custodians does Capstone Wealth Management Corp. use?",
      "a": "Capstone Wealth Management Corp.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Axos Clearing LLC and Charles Schwab & Co., Inc. as custodians holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Capstone Wealth Management Corp. report any disciplinary disclosures?",
      "a": "Reports 3 disclosure items on Form ADV Item 11: yes answers to 11.E(1) (self-regulatory organization's finding of a false statement or omission), 11.E(2) (self-regulatory organization's finding of a rule violation), and 11.E(4) (self-regulatory organization's expulsion, suspension, bar, or restriction). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/165359"
    },
    {
      "q": "Does Capstone Wealth Management Corp. state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated March 30, 2026 says: \"The minimum for starting an account is $50,000; however, we reserve the right to waive this requirement.\""
    },
    {
      "q": "What changed in Capstone Wealth Management Corp.'s recent Form ADV filings?",
      "a": "In the August 2026 filing data: Registered or notice-filed in CA."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 148596568.0,
      "total_employees": 3,
      "filing_date": "2021-04-29"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 148065022.0,
      "total_employees": 5,
      "filing_date": "2022-03-31"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 123249968.0,
      "total_employees": 5,
      "filing_date": "2023-03-31"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 90756453.0,
      "total_employees": 5,
      "filing_date": "2024-03-13"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 92112218.0,
      "total_employees": 5,
      "filing_date": "2025-03-27"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 109447228.0,
      "total_employees": 5,
      "filing_date": "2026-07-02"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-08-01",
      "period_label": "August 2026",
      "notes": [
        "Registered or notice-filed in CA."
      ]
    },
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "Regulatory assets under management went from $92,112,218 to $109,447,228 (+19%)."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated March 30, 2026",
    "provided_by_the_firm": false,
    "tiers": [
      {
        "band": "Up to $250,000",
        "rate": "2.25%"
      },
      {
        "band": "$250,000 to $500,000",
        "rate": "2%"
      },
      {
        "band": "$500,000 to $1,000,000",
        "rate": "1.75%"
      },
      {
        "band": "$1,000,000 to $2,000,000",
        "rate": "1.25%"
      },
      {
        "band": "Above $2,000,000",
        "rate": "1%"
      }
    ],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "$50,000",
    "account_minimum_may_be_waived": true,
    "minimum_annual_fee": null,
    "planning_fees": [],
    "figures": [
      {
        "label": "Fee schedule",
        "statements": [
          "Up to $250,000: 2.25% a year",
          "$250,000 to $500,000: 2% a year",
          "$500,000 to $1,000,000: 1.75% a year",
          "$1,000,000 to $2,000,000: 1.25% a year",
          "Above $2,000,000: 1% a year"
        ],
        "quotes": [
          "The annual fee charged for all advisory services will be a percentage of assets under management. At the discretion of CWM, fees may be negotiable.",
          "First    $250,000       2.25% \nNext    $250,000       2.00% \nNext    $500,000       1.75% \nNext $1,000,000       1.25% \nOver $2,000,000       1.00%"
        ]
      },
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: $50,000 (the brochure says it may be waived or negotiated)"
        ],
        "quotes": [
          "The minimum for starting an account is $50,000; however, we reserve the right to waive this requirement."
        ]
      }
    ],
    "values": {
      "tiers": [
        {
          "min": 0.0,
          "max": 250000.0,
          "rate_pct": 2.25
        },
        {
          "min": 250000.0,
          "max": 500000.0,
          "rate_pct": 2.0
        },
        {
          "min": 500000.0,
          "max": 1000000.0,
          "rate_pct": 1.75
        },
        {
          "min": 1000000.0,
          "max": 2000000.0,
          "rate_pct": 1.25
        },
        {
          "min": 2000000.0,
          "max": null,
          "rate_pct": 1.0
        }
      ],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 50000.0,
      "minimum_annual_fee": null,
      "planning": []
    },
    "quotes": [
      "The annual fee charged for all advisory services will be a percentage of assets under management. At the discretion of CWM, fees may be negotiable.",
      "First    $250,000       2.25% \nNext    $250,000       2.00% \nNext    $500,000       1.75% \nNext $1,000,000       1.25% \nOver $2,000,000       1.00%",
      "The minimum for starting an account is $50,000; however, we reserve the right to waive this requirement."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Axos Clearing LLC",
      "name_as_filed": "AXOS CLEARING LLC",
      "affiliated": false
    },
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "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.",
  "markdown_url": "https://advisorcensus.com/firm/capstone-wealth-management-corp-lakeland-fl-165359.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 262,
      "fewer_than_5": false,
      "raum": 52333028.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 24,
      "fewer_than_5": false,
      "raum": 55891632.0
    },
    {
      "type": "banking_thrift",
      "label": "Banking or thrift institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "investment_companies",
      "label": "Investment companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "business_development_companies",
      "label": "Business development companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pooled_investment_vehicles",
      "label": "Pooled investment vehicles (other than investment companies and business development companies)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 2,
      "fewer_than_5": true,
      "raum": 1222568.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "state_municipal",
      "label": "State or municipal government entities (including government pension plans)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other_investment_advisers",
      "label": "Other investment advisers",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "insurance_companies",
      "label": "Insurance companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "sovereign_wealth_foreign_official",
      "label": "Sovereign wealth funds and foreign official institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    }
  ],
  "disclosure_line": "Reports 3 disclosure items on Form ADV Item 11.",
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/165359",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}