Jmf Capstone Wealth Management

Capstone Wealth Management, LLC d/b/a JMF Capstone Wealth Management is a registered investment adviser based in Tuscaloosa, AL, established in 1999. The firm specializes in managing investment portfolios for individuals, retirement plans, trusts, charitable organizations, and corporations. Capstone's investment strategy is rooted in Modern Portfolio Theory, focusing on long-term diversified portfolios using passively managed mutual funds and ETFs. The firm may also recommend fixed income portfolios and consult on financial planning areas such as tax planning, retirement planning, and trust designs. Clients can have discretionary or non-discretionary accounts, with a minimum annual fee of $5,000. Fees are based on a percentage of assets under management, ranging from 0.35% to 1.25%. Capstone may engage third-party investment managers, with fees varying from 0.03% to 0.47% annually. The firm does not charge performance-based fees and acts as a fiduciary, prioritizing clients' interests. Capstone does not vote on client securities but provides advice on proxy voting. The firm does not have any disciplinary information and maintains custody arrangements with qualified custodians. Clients receive quarterly performance reports and have the option to set restrictions on investment decisions. Capstone has no financial commitments impairing its ability to meet client obligations.