At Capital South Wealth Management, we have developed our own financial planning philosophy and investment philosophy. We believe following these philosophies results in a better financial service experience. 


Our Investment Philosophy

We believe that investments should be matched to stated goals instead of an arbitrary benchmark.  We believe that risk is not the daily ups and downs of the S&P 500. We see risk as a permanent loss of capital that causes an investor to fall short of stated goals. For the most part, we are conservative value investors and recognize the "law of large losses." We do not attempt to "beat the market" in large "up" years by taking outsized risks. We strive to manage acceptable returns in these “up” years while seeking to preserve our clients’ capital in large “down” years. We do not do this through market timing, but rather through asset allocation and risk management. We collaborate with some of the most established and experienced investment firms to pursue this outcome. Over long periods of time, this approach has the potential to achieve market-like returns while helping investors feel confident during market downturns.

When building investment portfolios, we not only account for your risk tolerance (the ability to ignore ups and downs in the stock market), but we also account for risk capacity (the need to preserve or grow a portfolio based on your stage of life). A couple in their late fifties may be accustomed to the volatility in the stock market and therefore be more aggressive investors. If the same couple plans on retiring in five years, their risk capacity would be much lower than their risk tolerance. Combining these factors with your goals allows us to build portfolios based on your individual needs. 

Asset allocation does not ensure a profit or protect against a loss.

The Standard & Poor’s 500 Index is a capitalization-weighted index of 500 stocks designed to measure the performance of the broad domestic economy through changes in the aggregate market value of 500 stocks representing all major industries. S&P 500 is an unmanaged index that cannot be invested in directly.  Past performance is no guarantee of future results.

Investing involves risk, including loss of principal.


Our Planning Philosophy

Choosing a financial planner is a very personal process. We understand that it requires extensive due diligence and comparison. When clients choose to work with us, they are trusting us to provide objectivity.  This means that we will never be afraid to address our client's goals in the case that they are unattainable. We strive to make sure our clients understand the recommendations we made and why we did so. We are paid to provide objective advice and guidance. In every financial planning engagement, we will be diligent in gathering all relevant information, including not only financial numbers but also your values in order to address what matters to you. It has been our experience that if a financial plan does not account for values and beliefs, it is rarely followed. When we develop a financial plan, it becomes a living document that will be amended as circumstances change.