Capital Bank And Trust Company

CRD#170017
Investment Advisor Firm

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Overview

Capital Bank And Trust Company is a financial advisory company located in Irvine, California. Capital Bank And Trust Company manages $46.1 billion in total assets throughout 4,974 accounts, making it one of the largest investment advisory firms in the United States by assets under management (AUM). The firm has a large group of 299 employees, forty-nine of whom are financial advisors. Capital Bank And Trust Company does not act as a registered broker-dealer, meaning the advisor cannot buy and sell securities for its customers' and own accounts and instead has to go through a broker-dealer firm to do so. Securities are defined as exchangable financial assets like stocks, options and bonds.

Capital Bank And Trust Company administers 4,972 of its accounts on a discretionary basis. Discretionary management is a structure in which buy and sell judgments for the client's account are made by a portfolio manager without needing to seek client permission. It also oversees two non-discretionary accounts with a total of $671.1 million in assets under management. The advisory firm's typical account size is $9.3 million. An average financial advisor at Capital Bank And Trust Company manages about 102 client accounts.

Capital Bank And Trust Company's central office is located at 6455 Irvine Center Drive, Irvine, California 92618-4518. It is permitted to serve clients across 51 U.S. states and territories.

Assets Under Management

$46.1 billion

Number of Advisors

49

Disclosures

No

Office Location

6455 Irvine Center Drive
Irvine, CA 92618-4518

Capital Bank And Trust Company by the Numbers

Total Assets Under Management

$46.1 billion

National Average: $3.7 billion
Total Number of Employees

299

National Average: 29
Total Number of Accounts

4,974

National Average: 2,073
Average Account Size

$9.3 million

National Average: $1.8 million

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Products and Services

Capital Bank And Trust Company offers multiple financial services, including portfolio management for individuals and small businesses, portfolio management for pooled investment vehicles, portfolio management for institutional clients and selection of other advisers. Capital Bank And Trust Company does sell products or offer services aside from investment advisory services to its clients. Capital Bank And Trust Company also has a number of financial industry affiliations, including with a broker-dealer or securities dealer, trust company, insurance company or agency and commodity pool advisor.

Core Advisor Services

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    Financial Planning Services

    This is the process of planning for your financial future, including for events such as retirement, your child's college education or estate succession.

  • Offered by 62% of firms

    Portfolio Management

    This is the selection and management of an investment mix and portfolio strategy for individuals and small businesses.

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    Market Timing Services

    This is the practice of attempting to make short-term profits on investments by buying low and selling high.

Other Services

  • Offered by 23% of firms

    Selection of Other Advisors

    This is the firm's assistance with choosing other advisors to work with who may have different specialties.

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    Publication of Periodicals

    This is the publication of various financial education materials.

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    Educational Seminars/Workshops

    This is the hosting of seminars or workshops to educate investors on financial concepts.

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Fee Structure

Fees charged by financial advisors are based on the services provided. However, fee types charged by the company typically consist of the following fee structures: asset-based. The firm does not supply a wrap fee program, in which the company offers a bundle of services for a comprehensive fee.

Available

  • Offered by 74% of firms

    Percentage of Assets

    Show Explanation

    This fee, which is the most common fee type charged by advisors for portfolio management, is based on the amount of assets you have under management. Also referred to as an asset-based fee, this fee typically ranges from 0.50%-2.00% of AUM annually. You'll typically pay a lower rate the more assets you have under management.

Unavailable

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    Hourly

    Show Explanation

    Like a lawyer, a financial advisor may charge you by the hour. This can be helpful if you are only looking for short-term or one-time advice. Rates typically range from $100-$300 per hour, depending on the complexity and level of services needed.

  • Find one of the 2% of firms that offer this fee type

    Commissions

    Show Explanation

    Occasionally, advisors earn commissions from selling financial products, such as securities or insurance policies, or making certain referrals or transactions. Advisors who earn commissions may be incentivized to make certain recommendations to clients in order to make a commission. Fee-only advisors do not earn commissions, while fee-based advisors may.

  • Find one of the 17% of firms that offer this fee type

    Performance-based

    Show Explanation

    Advisors only earn performance-based fees if a portfolio outperforms a defined benchmark. This fee may be calculated in a number of ways but most commonly is charged as a percentage of investment profits. Performance-based fees may incentivize advisors to make riskier decisions in order to generate higher returns.

  • Find one of the 1% of firms that offer this fee type

    Subscription

    Show Explanation

    Firms generally charge this fee for educational materials provided, such as a monthly magazine. This can be useful if you want to learn about investing or financial management on your own.

  • Find one of the 40% of firms that offer this fee type

    Fixed

    Show Explanation

    Fixed fees are a one-time, lump sum charged for a specific service, like the creation of a financial plan without subsequent implementation. This can be useful if you only need advice for one specific purpose, rather than a long-term advisor. Fixed fees usually range from $1,000 to $3,000.

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    Other

    Show Explanation

    Firms can sometimes charge customers using non-traditional fee structures. See this firm's Form ADV for more details.

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Types of Clients

The firm manages money for a number of different customers. The firm works with high net worth investors, pooled investment vehicles, pension plans, charitable organizations, state or municipal government entities, insurance companies and corporations. Out of its 4,974 accounts, Capital Bank And Trust Company's biggest client type is high net worth investors, although it also serves 4,255 high-net-worth individuals. A high-net-worth individual is defined by the SEC as a person who has at least $750,000 in AUM or a net worth of at least $1.50 million or who counts as a "qualified purchaser" (a standard met by having at least $5 million in investments). Just 1% of its accounts reside abroad.

  • High-Net-Worth Individuals* - 85.54%
  • Other Individuals - 0%
  • Corporations - 7.2%
  • Charitable Organizations - 7.26%

* The U.S. Securities and Exchange Commission (SEC) defines a high-net-worth individual as someone who has at least $750,000 under management.

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Disclosures

Capital Bank And Trust Company does not have any disclosures.

Please visit its Form ADV for more details.

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Financial Advisors at Capital Bank And Trust Company

William Carey
Atlanta, GA
Nathaniel Wasson
Chicago, IL
Thomas Anderson
San Francisco, CA
Scott Sandee
Chicago, IL
Steven Brandfield
New York, NY
John Benun
Los Angeles, CA
Michael Lear
New York, NY
Rebecca Creavin
New York, NY
Mary Tupper
New York, NY

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This content was compiled from the SEC and FINRA