No commissions, no ads, no advice. This Captrust profile draws only on public records, each linked so you can confirm it yourself.

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1. Check the SEC adviser record. Open the SEC's IAPD record for Captrust (CRD #175112) and confirm its registration.

2. Read the filings. Review the Form ADV / Form CRS and any disclosure section linked from the IAPD page.

3. Confirm the entity. Match CRD #175112 / Capfinancial Partners so you're reading the right firm.

The short answer: is Captrust a fiduciary?

Yes. Captrust is a fiduciary when it acts as your investment adviser, and with $1.2 trillion in client assets it is among the larger SEC-registered investment advisers. Publicly, it files with the SEC as Capfinancial Partners (CRD #175112). As of its latest Form ADV (filed September 30, 2026), the firm reported $1.2 trillion in regulatory assets under management (a firm-reported figure). Its Form ADV (Item 5.E) lists how it is paid: a percentage of assets under management, hourly charges, fixed fees, and performance-based fees. None of this asks you to take anyone's word for it: the public filings have it, and they're quick to read.

Its Form ADV also reports that a related person is a broker-dealer (Item 7.A), and brokerage accounts fall under Regulation Best Interest instead. Ask which capacity covers each of your accounts. The firm must tell you.

What "fiduciary" means: a fiduciary is legally bound to place a client's interests above its own. (More on fiduciary duty)

Captrust at a glance

✅ Verified from public filings, last checked October 5, 2026. Captrust (SEC CRD #175112) is a fiduciary when acting as your adviser, on an advisory-fee basis, with $1.2 trillion in regulatory assets under management. Every figure below links to its primary source.

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Captrust fees: what you'll pay

Here's what Captrust charges, and where those fees come from. Captrust charges advisory fees: its Form ADV (Item 5.E) reports no commissions for its advisory services. Its filing also reports broker-dealer, insurance or other sales activity by the firm or a related company, business that can be paid by commissions. Ask how each part of the relationship is paid. The details are in its Form ADV Part 2A.

Advisory fees are what clients pay the adviser directly. Commissions earned through a related broker-dealer or insurance business are a separate source of pay.

Who owns Captrust, and what conflicts does it disclose?

The Captrust ownership picture is on file with the SEC. Captrust is owned by The Capfinancial Group, LLC, as listed in Schedule A of its Form ADV. (Form ADV Schedule A)

Its Form ADV Part 2A describes the firm's conflicts of interest, including how it and its advisers are paid.

Captrust SEC record: disclosures

To check Captrust's regulatory record, start with the firm's own filings. On its Form ADV, Captrust answers No to the firm-level disciplinary-history questions. You can confirm that on the public record. Individual advisers can have their own records, so look them up on IAPD and BrokerCheck too. If there are Captrust disclosures to read, the public record is where they are, and where they should be read.

On the record, the firm has been registered with the SEC since July 11, 2003, makes notice filings in 53 jurisdictions, and reports 1,841 employees, 885 of them in investment advisory roles. "Is Captrust legit?" comes up a lot. Its registration, CRD and filings are public and verifiable. That confirms it's a real, regulated adviser. The part worth your time is what you're paying and earning.

Reading Captrust reviews against the public record

Star ratings and client comments describe what working with a firm felt like. They usually don't show what the firm reports to regulators. Before you weigh Captrust reviews, check three things this profile takes from the public record. First, how the firm is paid: it reports advisory fees and no commissions, but it has a broker-dealer or insurance connection. Second, who owns it and what conflicts it discloses. Third, whether its Form ADV reports any disciplinary history. Read reviews alongside the record, not instead of it.

How to verify Captrust yourself

You can verify everything above yourself in three steps:

1. SEC adviser record (IAPD): https://adviserinfo.sec.gov/firm/summary/175112.

2. Form ADV / CRS: linked from the IAPD page.

3. Confirm the entity: match Captrust (CRD #175112, legal name Capfinancial Partners) so you're reading the right firm.

What Captrust does and who it serves

On its Form ADV, Captrust reports providing financial planning, portfolio management for individuals and small businesses, portfolio management (pooled vehicles), portfolio management for businesses and institutions, pension consulting, selection of other advisers, newsletters, and educational seminars.

It reports providing financial planning to about 2,500 clients in its last fiscal year (Form ADV Item 5.H), a count the form keeps separate from the client totals below.

Its Form ADV (Item 5.D) breaks its clients down by type, about 41,750 in all:

It reports 146,777 client accounts, more than the roughly 41,750 clients counted above (many clients hold more than one account), 128,474 discretionary (the firm can trade without seeking your approval first) and 18,303 non-discretionary (Item 5.F). Its main office is in Raleigh, NC.

It reports it does not itself take custody of client assets, though a related person does (Form ADV Item 9.B).

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You've vetted the firm. Now make sure the advice runs on the full picture.

Confirming Captrust is registered takes a few minutes. Any advisor can only act on what they can see, and what they see is partial: scattered accounts, an old rollover, costs that never surface on a statement. This is where Truthifi comes in.

How Truthifi can help

Truthifi links your accounts read-only and shows what you own, how it's allocated, how it's performing and where the risk sits, including single-stock exposure, returns next to a benchmark, a fee breakdown of the fees on each account, by type, and your Truthifi Score. You can share the accounts you choose with your advisor at Captrust.

Prefer your own AI? A paid Truthifi plan lets you connect an AI assistant that supports MCP sign-in, such as Claude. Truthifi Connect is the lighter membership for people who only want to use their own assistant. Questions about your fees need Monitoring or Monitoring Plus+.

Ask AI about your Captrust accounts

Once your accounts are connected read-only, you can ask in plain English:

• "What do I own across my Captrust accounts and everything else, and how is it allocated?"

• "What am I really paying in fees across all of these accounts?"

Try it with Truthifi: start for free at app.truthifi.com and run a Monitoring Checkup (limits apply).

No commissions, no ads, no advice: Truthifi is not an investment adviser and doesn't give investment, tax or legal advice. Its access to your bank and brokerage accounts is read-only. Start free (limits apply). Monitoring Checkup is free. Link up to 10 connections. Plans and limits are on the pricing page → truthifi.com.

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FAQ

Is Captrust a fiduciary? Yes, when acting as your adviser. Its Form ADV reports a related person that is a broker-dealer, and brokerage accounts fall under Regulation Best Interest instead. Ask which capacity covers each of your accounts.

Is Captrust fee-only? Not necessarily. Its Form ADV (Item 5.E) reports no commissions for advisory services, but the filing also reports broker-dealer, insurance or other sales activity by the firm or a related company, which can be paid differently. Ask how everyone you deal with is paid. The details are in its Form ADV Part 2A.

Who owns Captrust? Captrust is owned by The Capfinancial Group, LLC, as listed in Schedule A of its Form ADV.

Does Captrust have complaints or disclosures? Its Form ADV answers No to the firm-level disciplinary-history questions. Individual advisers can have their own records on IAPD and BrokerCheck.

Is Captrust legit? Captrust is registered with the SEC (CRD #175112) and its filings are public on the SEC's IAPD site, which confirms it is a real, regulated firm. Registration doesn't tell you whether it's the right fit or what you'll pay, so read the fee and conflict sections of its Form ADV.

Can AI help me check whether I'm getting good value? Yes. Start free (limits apply): Monitoring Checkup is free and lets you link up to 10 connections. You can also connect an AI assistant you already use (such as Claude). On Monitoring or Monitoring Plus+ you can ask it, in plain English, about the fees on each of your accounts. Truthifi is not an investment adviser and doesn't give investment, tax or legal advice.

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About this profile

Truthifi built this profile from the firm's own SEC filings (Form ADV and, where filed, Form CRS). Every page is reviewed by the Truthifi Team before publishing. The Truthifi advisor fact packs are an ongoing series checking U.S. investment advisers against their public filings, one firm at a time.

Read next from the Truthifi blog

• What is a fiduciary?

• Fee-only financial advisor: costs and how to find one

• Are you paying too much? Why that might be the wrong question

• How to ask AI about your real investment accounts

• Robo-advisor vs. human financial advisor: which is better?

• All advisor fact packs on Truthifi

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A note on sources. The facts on this page come from publicly available documents, Captrust's SEC filings, each linked inline so you can verify it yourself (SEC data current as of October 5, 2026). This is general information, not financial or legal advice, and Truthifi is not affiliated with Captrust. Regulatory records change, so always confirm against the official sources linked above. Spot something that should be corrected? Email us at support@truthifi.com.