A firm built to be examined.
Most advisers ask you to trust them. We'd rather you check. Every dollar, every material decision, every drift — on the record, in plain English, designed so the receipts stay attached.
Build the firm so an SEC examiner, a skeptical heir, or you at 2 a.m. would find the same complete record.
Intellicapital was founded in 2021 by an adviser who spent two decades inside a large institution watching the same quiet failure repeat: clients who couldn't actually see what was being done with their money. Not because anyone was hiding it — because the industry was never built to show it. Statements arrived quarterly, decisions went unrecorded, and the reasoning behind a recommendation lived in someone's head until that person left.
We started from the opposite premise. If a fiduciary owes you undivided loyalty, then the proof of that loyalty should be standing, legible, and yours — not reconstructed under examination, but kept that way from the first day. We call it the exam-binder standard.
That ethic shapes everything downstream — how we charge, how we decide, how we write to you, and the system we built to hold it all. We are a fee-only Registered Investment Adviser. We take no commissions, sell no products, and accept no compensation from anyone but the households we serve.
The opposite of a black box is not a dashboard. It's a binder.
Three commitments, kept on the record.
No hidden incentives.
The firm is paid only by clients. Investment-management fees are asset-based and tiered; separate planning engagements may carry the fixed fees disclosed on the Pricing page and in Form ADV. We receive no commissions, product compensation, or third-party payments.
Material decisions, recorded.
Each material advisory decision is recorded with its rationale and reviewed by a supervised person. The scope and operating status of the firm’s record controls are described in the Claims Register.
Loyalty, undivided.
We act in your interest, full stop — the legal standard and the daily one. Conflicts are disclosed before they’re encountered, not buried in a footnote after.
Est. MMXXI.
The firm is filed.
Intellicapital Advisors, LLC is organized in Florida — the founding adviser leaves a twenty-year institutional career to build the firm he’d been describing for years.
Registration approved.
The state approves the firm’s investment-adviser registration — CRD #316908 enters the public record — and the compliance program stands up from day one: the exam-binder standard, in place before the first client.
The system is built.
BAFAos — the operating system of record behind every folio, ledger entry, and statement — is developed and refined against real households and real examinations: one model of the household, a dated registry of versioned planning rules applied when relevant, and a record designed to keep the evidence behind recommendations where an examiner can find it.
One standard, every household.
A deliberately small book, three people, and a discipline that doesn’t bend with account size: every client gets the binder — written for their household alone.
Three people. No layers.
The people who decide your plan are the people you'll talk to — and the people whose names are on the record.
Twenty years in financial planning before founding the firm. Holds the dual responsibility of leading the practice and owning its compliance record.
The firm's other licensed adviser. Carries household relationships and the investment discipline behind every folio.
Coordinates the planning work and keeps the household record moving — the connective tissue between you, your documents, and the firm.
See what being on the record feels like.
One conversation, no obligation. We'll show you exactly how a household is held here — and you can decide if it's the standard you want.
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