Menu burger Close thin Facebook Twitter Google plus Linked in Reddit Email arrow-right-sm arrow-right
Loading
Tap on the profile icon to edit
your financial details.

Capital Trust Wealth Management Review

Your Details Done
by Updated

This review was produced by SmartAsset based on publicly available information. The named firm and its financial professionals have not reviewed, approved, or endorsed this review and are not responsible for its accuracy. Review content is produced by SmartAsset independently of any business relationships that might exist between SmartAsset and the named firm and its financial professionals, and firms and financial professionals having business relationships with SmartAsset receive no special treatment or consideration in SmartAsset’s reviews. This page contains links to SmartAsset’s financial advisor matching tool, which may or may not match you with the firm mentioned in this review or its financial professionals.

Capital Trust Wealth Management (CTWM), otherwise known as Brough Investment Group, LLC, is a fee-only financial advisor based in Scottsdale, Arizona. The registered investment advisor (RIA) only has one advisor who manages about 50 clients. 

Capital Trust Wealth Management Background 

CTWM was formed in 2009 by firm President and CEO Thomas J. Brough. Brough is the firm’s only advisor. Along with offering clients a range of wealth management solutions, the firm’s planning process entails establishing objectives, determining risk tolerance, monitoring and evaluating progress and designing and building portfolios.

Capital Trust Wealth Management Client Types and Minimum Account Sizes 

The firm doesn’t impose a minimum account size requirement, and its client base consists of individuals and high-net-worth individuals, business entities, pension and profit sharing plans, trusts, estates and charitable organizations. 

Services Offered by Capital Trust Wealth Management

CTWM offers the following advisory services:

  • Portfolio management 
  • Financial planning 
  • Retirement planning

Capital Trust Wealth Management Investment Philosophy 

CTWM’s mission is to give clients a positive, long-term investment experience and an advisory relationship supported by trust and company-wide integrity, according to its website. The firm’s investment philosophy is rooted on many beliefs, including the ideas that diversification reduces risk and investment cost minimization is crucial for long-term success. 

When analyzing securities, CTWM mainly uses fundamental, cyclical, quantitative, qualitative and technical analysis. The firm offers investment advice on the following investment vehicles: mutual funds, exchange-traded funds (ETFs), domestic equities, foreign equities, corporate bonds, commercial paper, certificates of deposit (CDs), municipal bonds, U.S. treasuries, alternative investments and other types of securities. 

Fees Under Capital Trust Wealth Management

For investment advisory services, CTWM charges asset-based fees in arrears. The fees are billed quarterly, based on the average daily balance of a client’s account. We’ve listed the firm’s investment advisory fee schedule below:

Amount of assets Management Fee
First $250,000.00 1.50%
Next $250,000.00 1.25%
Next $500,000.00 1.00%
Over $1,000,000.00 0.75%

This chart shows what you an expect to pay in real dollars:

*Estimated investment management fees do not include brokerage, custodial, third-party manager or other fees, which can vary in amount.
Estimated Investment Management Fees at Capital Trust Wealth*
Your Assets Capital Trust Wealth Fee Amounts
$500K $6,875
$1MM $11,875)
$5MM $41,875
$10MM $79,375

What to Watch Out For 

CTWM’s Form ADV shows that the firm only has one advisor. If you’re looking for a wealth management firm with more financial professionals, you may want to look elsewhere. Our financial advisor matching service can help.

CTWM has two disclosures currently listed in its SEC documents.

All information is accurate as of the writing of this article.

Investing Tips for Beginners

  • Finding a qualified financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with up to three financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
  • If you’re not interested in the DIY approach to investing, SmartAsset’s free financial advisor matching service could be right for you. After you complete a short questionnaire about your financial situation, the tool pairs you with up to three local advisors suitable to your needs.

How Long $1 Million Lasts in Retirement

SmartAsset's interactive map highlights places where $1 million will last the longest in retirement. Zoom between states and the national map to see the top spots in each region. Also, scroll over any city to learn about the cost of living in retirement for that location.

Least
Most
Rank City Housing Expenses Food Expenses Healthcare Expenses Utilities Expenses Transportation Expenses

Methodology We weighed potential expenditures for a prospective retiree with a  $1 million nest egg to assess how many years that fund would cover in retirement in America’s largest cities.

We applied cost of living data from the Council for Community and Economic Research to adjust those national average spending levels based on the costs of each expense category (housing, food, healthcare, utilities, transportation and other) in each city. Using this data, SmartAsset calculated the average cost of living for retirees in metro areas across the U.S.

We assumed the $1 million would grow at a net annual return of 2% after inflation. Then, we divided $1 million by the sum of each of those annual numbers to determine how long $1 million would cover retirement expenses in each of the cities in our study. Cities where $1 million lasted the longest ranked the highest in the study.