Save Capital Gains has grown from a small advisory practice into one of America's most trusted full-service financial institutions. Our founding principle remains unchanged: every client deserves personalized attention, transparent advice, and unwavering fiduciary commitment.
Today, we serve over 50,000 individuals, families, and businesses across all 50 states, managing more than $2.4 billion in assets. Our team of 200+ certified financial planners, investment advisors, and insurance specialists work together to deliver comprehensive solutions tailored to your unique goals.
Empowering Americans to achieve financial freedom through expert guidance and personalized solutions.
To be the nation's most trusted partner in building generational wealth and financial security.
$0B+
Assets Managed
0K+
Happy Clients
Many
Years Of Experience
Established in Boston, MA with 5 founding advisors
Opened offices in USA
Launched mobile app and online wealth management platform
50,000+ clients across all 50 states, $2.4B+ in assets
We combine institutional expertise with personalized attention to deliver exceptional financial outcomes.
Our team includes CFPs, CFAs, and licensed advisors with decades of combined experience. Every recommendation is backed by rigorous analysis and fiduciary duty to your interests.
Our streamlined digital application process delivers decisions in as little as 24 hours. Skip the paperwork and get the funding you need when you need it.
Bank-level 256-bit encryption protects every transaction. Our systems exceed PCI DSS compliance standards, ensuring your financial data remains protected.
There's no one-size-fits-all in wealth management. We create custom strategies based on your specific goals, risk tolerance, and life circumstances.
Financial matters don't wait for business hours. Our dedicated support team is available around the clock via phone, chat, or email whenever you need assistance.
From Maine to California, Alaska to Florida, we serve clients in all 50 states. Our local advisors understand regional market dynamics and state-specific regulations.
From loans to investments, insurance to digital payments, we offer a full spectrum of financial services designed to meet every aspect of your financial life.
Our personal loans provide flexible financing solutions for debt consolidation, home improvements, major purchases, or unexpected expenses. With competitive fixed rates starting at 6.99% APR, terms ranging from 12 to 84 months, and loan amounts up to $100,000, we help you achieve your goals without depleting savings. Our streamlined application delivers decisions within minutes and funding often arrives the same business day. No collateral required for qualified applicants.
Whether purchasing your first home or refinancing an existing mortgage, our home loan specialists guide you through every option. We offer conventional, FHA, VA, and USDA loans with competitive rates, low down payment options as low as 3%, and assistance programs for first-time buyers. Our online application portal allows you to upload documents securely and track your loan status in real-time throughout the approval process.
Take advantage of favorable interest rates with our mortgage refinancing options. Whether you want to lower your monthly payment, shorten your term, or access home equity, our refinance specialists analyze your current mortgage and financial goals to recommend the optimal strategy. We offer cash-out refinances up to 80% of your home's appraised value and no-closing-cost options for qualified borrowers seeking to minimize upfront expenses.
Invest in your future or your children's education with our federal and private student loan options. We offer cosigner release after 24 months of on-time payments, unemployment protection allowing payment deferral during job loss, and flexible repayment plans including income-driven options. Our education financing advisors help navigate FAFSA applications and identify scholarship opportunities before recommending loan products.
Fuel your business growth with working capital, equipment financing, commercial real estate loans, or SBA-backed financing. We serve startups, small businesses, and established enterprises with loan amounts from $10,000 to $5 million. Our business advisors understand industry-specific needs across retail, healthcare, technology, and service sectors, offering tailored solutions with flexible underwriting that considers your business potential beyond just credit scores.
Finance your next vehicle with competitive rates for new and used cars, trucks, and SUVs. We work with dealerships nationwide and also offer direct lending for private party purchases. Our auto loan specialists find the best rates based on your credit profile, offering terms from 36 to 84 months. Pre-approval lets you shop with confidence knowing your budget, and our rate match guarantee ensures you won't find better terms elsewhere.
Protect your vehicle with comprehensive coverage tailored to your driving habits and budget. Our policies include liability, collision, comprehensive, uninsured motorist, and personal injury protection. We offer discounts for safe drivers, multi-policy bundling, telematics programs, and good students. Claims are handled by U.S.-based adjusters available 24/7 to assist after accidents.
Navigate healthcare coverage with individual plans, family policies, Medicare supplements, and ACA marketplace options. Our licensed health insurance agents help compare networks, prescription coverage, and out-of-pocket costs to find the optimal balance of protection and affordability for your medical needs.
Safeguard your most valuable asset with homeowners insurance covering dwelling, personal property, liability, and additional living expenses. We offer replacement cost coverage, flood insurance, landlord policies, and umbrella liability protection. Our policies include guaranteed replacement cost that pays to rebuild regardless of current property values.
Ensure your family can stay in their home if you pass away or become disabled. Our mortgage protection policies pay directly to your lender, covering remaining balance or monthly payments. Unlike traditional life insurance, these policies cannot be denied for health reasons during the open enrollment period.
Provide financial security for your loved ones with term, whole life, universal life, and final expense policies. Our advisors conduct thorough needs analysis to determine appropriate coverage amounts, considering income replacement, debt payoff, education funding, and funeral costs. We represent all major carriers to find the best rates for your age and health profile.
Protect your business with commercial general liability, professional liability, workers compensation, commercial property, and business interruption coverage. We specialize in policies for small businesses, professional services, retail, construction, and healthcare industries, offering bundled packages that simplify coverage management.
Cover funeral and final expense costs with affordable burial insurance policies ranging from $2,000 to $25,000. These guaranteed acceptance policies require no medical exam and accept applicants up to age 85. Benefits are paid directly to your beneficiary within days of claim submission, relieving your family of financial burden during grief.
Ensure your furry family members receive the best veterinary care without financial stress. Our pet insurance covers accidents, illnesses, hereditary conditions, and preventive care. Choose from accident-only, accident-and-illness, or comprehensive wellness plans with customizable deductibles and reimbursement rates from 70% to 90%.
Travel with confidence knowing medical emergencies, trip cancellations, lost baggage, and travel delays are covered. Our policies include 24/7 travel assistance services, emergency evacuation coordination, and concierge support for rebooking flights or finding medical facilities abroad. Plans start as low as $29 per trip.
Access professionally managed portfolios through our curated selection of domestic equity funds, international funds, bond funds, balanced funds, and target-date retirement funds. Our investment specialists help you select funds that align with your risk tolerance and time horizon, considering expense ratios, tax efficiency, and historical performance. We offer funds with no transaction fees and automatic investment plans starting at $50 per month.
Diversify your portfolio with physical gold, silver, platinum, and palladium through our IRS-approved precious metals IRA program. We offer competitive pricing on bullion coins and bars with secure storage at IRS-compliant depositories. Our precious metals advisors help determine optimal allocation, typically recommended at 5-15% of total portfolio value, providing inflation protection and historical stability.
Build wealth through individual stocks, ETFs, and our managed stock portfolio service. Commission-free trading on U.S. exchanges, advanced charting tools, real-time quotes, and dividend reinvestment programs help you execute your investment strategy. Our research platform provides Wall Street analyst ratings, earnings estimates, and fundamental analysis to inform your decisions.
Our fee-only fiduciary advisors create diversified portfolios aligned with your financial goals, risk tolerance, and time horizon. Services include portfolio construction, ongoing monitoring, rebalancing, tax-efficient harvesting, and socially responsible investing options. We offer advisory fees that are transparent and never exceed 1% of assets under management.
Preserve your legacy and ensure your assets transfer according to your wishes. Our estate planning attorneys and advisors coordinate wills, trusts, powers of attorney, healthcare directives, and beneficiary designations. We also assist with trust administration, probate avoidance strategies, and charitable giving structures like donor-advised funds and charitable trusts.
Protect your wealth from unexpected events through comprehensive risk analysis and insurance optimization. We review existing coverage, identify gaps, and recommend strategies for property, liability, disability, longevity, and market risk. Our holistic approach ensures you aren't overpaying for coverage while maintaining adequate protection for your family and assets.
Map your path to financial independence with our comprehensive retirement planning services. We analyze your current position, project future needs accounting for inflation and healthcare costs, and create actionable strategies including 401(k) optimization, IRA conversions, Roth strategies, and Social Security timing decisions. Our Monte Carlo simulations stress-test your plan against market volatility.
Minimize your tax burden through strategic planning that coordinates investment decisions, retirement contributions, estate planning, and charitable giving. We implement tax-loss harvesting, asset location strategies, qualified opportunity zone investments, and bunching deductions to maximize after-tax returns. Our CPAs provide comprehensive tax preparation and planning services.
Invest in your children's future while maximizing tax advantages through 529 plans, Coverdell ESAs, and custodial accounts. We project college costs based on current trends, develop savings strategies, and explore financial aid optimization. Our advisors help families balance education savings with retirement goals to avoid sacrificing their future for their children's.
Access premium credit cards with rewards, cash back, travel benefits, and low introductory rates. Our card specialists help you select products matching your spending patterns and credit profile, whether seeking maximum points, balance transfer savings, or building credit. We also offer card management tools and fraud monitoring.
Pay instantly and securely using our integrated mobile wallet available on iOS and Android devices. Store multiple cards, make contactless payments at millions of merchants, and send money to friends and family. Our wallet includes budgeting tools, transaction history, and instant notifications for every purchase.
Send and receive money instantly between bank accounts with our peer-to-peer payment service. Split bills, share expenses, pay rent, or reimburse friends without fees. Transactions process within minutes during business hours and settle by the next business day. Recipients can instantly transfer funds to their bank or keep in our platform.
Accept payments online, in-person, and on mobile devices with our merchant payment gateway. Process credit cards, ACH transfers, and digital wallets with competitive interchange-plus pricing. Our gateway includes fraud detection, PCI compliance tools, invoicing, subscription billing, and detailed reporting dashboards. Integration is available via API or our hosted checkout pages.
Enjoy fee-free banking with our premium debit card offering nationwide ATM access, overdraft protection, and purchase rewards. Use Apple Pay and Google Pay at participating merchants. Our card includes travel insurance, extended warranty protection, and price adjustment benefits typically found only on premium credit cards.
Pay all your bills in one place with our digital bill pay service. Schedule one-time or recurring payments to any merchant, utility, or service provider nationwide. Features include payment reminders, automatic scheduling, e-bill management, and payment tracking. Most payments arrive within 1-3 business days with no postage required.
Simplify multiple debt payments by combining them into a single monthly obligation with potentially lower interest rates. Our consolidation loans and balance transfer options help you pay off debt faster while reducing total interest paid. We analyze your complete debt picture including credit cards, medical bills, and personal loans to recommend the optimal consolidation strategy for your financial situation.
Negotiate with creditors to reduce your total debt balance, potentially saving thousands of dollars. Our licensed debt settlement specialists work directly with credit card companies, collection agencies, and medical creditors to reach settlement agreements. While enrolled in our program, you make deposits into a dedicated account, and once sufficient funds accumulate, we begin negotiating settlements on your behalf.
When debt becomes overwhelming, understanding your options is crucial. Our certified credit counselors provide honest assessments of whether bankruptcy, specifically Chapter 7 or Chapter 13, might be appropriate for your circumstances. We connect you with bankruptcy attorneys, explain the process and consequences, and help determine if alternative solutions might better serve your long-term financial recovery.
Protect your household appliances from unexpected breakdowns with comprehensive coverage for refrigerators, dishwashers, washers, dryers, ovens, and microwaves. Our plans cover parts, labor, and replacement when repairs aren't feasible. With no limit on the number of claims and competitive service fees starting at $75 per visit, you gain peace of mind knowing appliance repairs won't derail your budget.
Safeguard your home's electrical system including wiring, outlets, switches, circuit breakers, and panels from covered malfunctions. Our electrical coverage includes emergency response for power outages and electrical hazards, with licensed electricians dispatched promptly. We also cover ceiling fans, garage door openers, and central vacuums connected to your electrical system.
Cover pipes, drains, water heaters, sump pumps, toilets, and faucets against leaks, clogs, and mechanical failures. Our plumbing coverage includes sewer line backup protection and exterior water main coverage. Licensed plumbers are available for both routine repairs and emergency service 24 hours a day, seven days a week throughout our service area.
Extended warranty protection for new and used vehicles covering powertrain, powertrain plus, comprehensive, and bumper-to-bumper options. Coverage begins when your manufacturer's warranty expires, ensuring continuous protection. We offer term options from 2 years/24,000 miles to 8 years/150,000 miles, with transferability to subsequent owners potentially increasing resale value.
Coverage for engine, transmission, drive axle, electrical systems, air conditioning, and steering components. Our mechanical breakdown insurance fills gaps left by factory warranties, covering parts and labor at any licensed repair facility nationwide. Unlike dealer warranties, there are no mileage limitations, and coverage applies regardless of how many repairs your vehicle requires.
Pay only a small service fee per visit while we cover the balance of all covered repairs up to the stated limit. Our repair cost coverage plans specify annual maximums ranging from $3,000 to unlimited, covering diagnostic fees, parts, and labor. Pre-existing conditions are excluded, but coverage begins immediately upon enrollment with no waiting periods for most components.
Don't just take our word for it — hear from Americans across the country who have transformed their financial lives with Save Capital Gains.
"Save Capital Gains helped us retire five years earlier than we planned. Their investment management team restructured our portfolio, eliminated unnecessary fees, and created a distribution strategy that lets us enjoy life without worrying about running out of money. The peace of mind is worth everything."
Retired Educator | Austin, TX
"As a small business owner, I struggled to find banking that understood my needs. Save Capital Gains's business banking team approved our SBA loan in record time, and their merchant services have saved us thousands in processing fees. They're not just a bank — they're a partner in growth."
Business Owner | Seattle, WA
"When I inherited my father's estate, I was completely overwhelmed. The estate planning team at Save Capital Gains walked me through every step, handled the probate process, and even connected me with an attorney for the more complex aspects. Their compassion during a difficult time made all the difference."
Healthcare Administrator | Miami, FL
"I had over $45,000 in credit card debt and felt hopeless. Save Capital Gains's debt relief program negotiated my balances down by 60%, and their financial education resources taught me how to build credit responsibly. Two years later, I'm debt-free and working toward homeownership."
IT Specialist | Chicago, IL
Everything you need to know about our services and processes.
We offer a comprehensive range of loan products including personal loans ($1,000-$100,000), home purchase loans with down payments as low as 3%, mortgage refinancing options, education loans for undergraduate and graduate studies, business loans up to $5 million, and auto financing for new and used vehicles. Our loan specialists work with you to find the best product and rate for your specific situation.
Opening an investment account with Save Capital Gains is simple. You can start online in about 15 minutes by providing basic personal information, Social Security number, employment details, and completing the required suitability questionnaire. You'll need to fund the account via ACH transfer from your bank. Once funded, you can immediately begin trading stocks, ETFs, and mutual funds commission-free.
We offer all major insurance categories: auto, home, health, life, Medicare supplement, business liability, pet, travel, and various specialty lines including burial insurance and umbrella policies. Our licensed agents represent multiple carriers to find the best coverage and rates for your needs. We also provide annual policy reviews to ensure your coverage keeps pace with life changes.
Absolutely. We employ bank-level 256-bit SSL encryption for all data transmission, maintain PCI DSS compliance for payment processing, and utilize multi-factor authentication for account access. Our systems are monitored 24/7 by security professionals, and we never share your personal information with third parties for marketing purposes. We are fully compliant with GLBA, CCPA, and all applicable federal and state privacy regulations.
We operate on a transparent, fee-only basis. Our investment advisory fees range from 0.50% to 1.00% annually depending on assets under management, with lower rates for larger portfolios. There are no commissions, no hidden fees, and no products we push for compensation. You receive a detailed fee disclosure before any engagement, and we are legally obligated to act as a fiduciary in your best interest at all times.
Our debt relief program involves negotiating with creditors to reduce your outstanding balances, potentially saving you 30-60% of what you owe. You'll make deposits into a dedicated account, and once sufficient funds accumulate, we begin proposing settlements. This process typically takes 24-48 months. It may temporarily impact your credit score and involves you paying taxes on forgiven amounts. We offer a free consultation to determine if this or an alternative solution best fits your situation.
While we offer the same digital convenience as online-only institutions, we provide the human touch that makes a real difference. Every client is assigned a dedicated advisor who knows your financial picture and can provide personalized guidance. We have physical branch locations in major cities, hold regular check-ins, and are accessible by phone, chat, or video conference. You get fintech convenience with traditional relationship banking.
Have questions about our services? Ready to schedule a consultation? Our team is here to help you make informed financial decisions. Reach out through any channel below.
+1 801-784-5109
support@savecapitalgains.org
Response within 24 hours
1258 Hickory Street Salt Lake City, UT 84104
Thank you for reaching out. A member of our team will contact you within 24 hours.