Capital Gain Prime — USA

Capital that moves at the speed of ambition.

Premium finance, loan, investment and insurance services for individuals, families and businesses across 47 states. Fiduciary-grade strategy, transparent fees, and a single coordinated plan for every dollar you steward.

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Fiduciary Standard
Bank-Grade Encryption
18,000+ Clients
Capital Gain Prime financial advisor reviewing portfolio strategy with client
Avg. client return
+12.4% / yr
Loans funded
$1.2B+ total
Avg. loan approval
6.2 days
About Capital Gain Prime

A coordinated finance house built for the long arc.

Founded in 2022 in Roundup, Montana, Capital Gain Prime brings lending, insurance, investment and wealth planning under a single roof. We sit on the same side of the table as our clients — as fiduciaries — which means our counsel is structured to outlive market cycles, rate shocks and life's larger transitions.

Book a Consultation

Company Overview

Capital Gain Prime is a multi-disciplinary finance firm serving clients across 47 U.S. states from our Montana headquarters. We combine the rigor of an institutional bank with the personal cadence of a private advisor — every client receives a written strategy, a named lead advisor, and quarterly recalibration against their stated goals.

Vision

To become the most trusted name in coordinated personal and business finance across the American West — and eventually the country — by treating capital as a stewardship, not a transaction.

Mission

Move every client from financial fragmentation to financial clarity. Lending, protection, growth, and tax strategy should sit on a single page — readable by the client, accountable to the advisor.

  • Values
    Fiduciary first. Long horizon over short return. Plain-spoken counsel over jargon. A client's household balance sheet is treated with the same gravity as an institutional one.
  • Principles
    Transparency in fee, structure and conflict. Coordination across every line of a client's financial life. Evidence over narrative. Patience as a strategy.
  • Promise
    A single named advisor. A written plan reviewed quarterly. Same-day response to any question. If we cannot improve your position, we say so — in writing.
Capital Gain Prime advisory team in strategy session with client
4 yrs
Of fiduciary practice, founded 2022
Milestones & Metrics

Eleven years, measured.

The numbers we are willing to publish are the numbers we are willing to defend in front of every client, every quarter.

0B+
Capital Deployed
Across loans, investments and insurance placements
0+
Clients Served
Individuals, families and businesses nationwide
0
States Covered
Licensed advisory and lending footprint
0%
Client Retention
Five-year rolling, net of departures
Why Choose Us

Six pillars of a steadier ship.

Our service is not the cheapest in any one category. It is the most coordinated across all of them.

Fiduciary Standard

Legally bound to act in your best interest. We disclose every conflict, every compensation source, and every alternative we considered — in writing.

Single Named Advisor

No rotating 1-800 numbers. The advisor who built your plan is the one who returns your call — usually the same business day.

Transparent Fees

Flat, tier-based or clearly disclosed percentage. No hidden mutual-fund loads, no steering commissions, no back-end trails. You see what we earn.

Coordinated Strategy

Your loan officer, insurance broker and investment advisor share a single written plan. Nothing is siloed. Nothing is optimized in isolation.

Evidence Over Narrative

We build portfolios and loan structures from academic evidence, not market commentary. Decisions are defensible against any rate, any cycle.

Patient Stewardship

Quarterly reviews, annual recertification, decade-horizon planning. We measure success by households outliving their capital — not by quarter-end AUM.

Our Philosophy

The architecture of capital.

Money is not a number. It is an arrangement — between present and future, between household and institution, between ambition and risk. We treat the arrangement itself as the work, not the chart.

Each word orbiting beside this paragraph is a discipline we hold ourselves to. They are not slogans. They are the operating constraints under which every loan, policy, allocation and tax position we recommend has to clear before it reaches a client.

Work Process

Four steps, repeated quarterly.

A coordinated engagement is not a single deliverable. It is a cadence — discovery, architecture, execution, stewardship — revisited every ninety days.

01 — DISCOVERY

Diagnostic & Mapping

A 90-minute structured intake maps your full financial surface area — assets, debts, insurance gaps, tax position, family structure and time horizons. Outputs a written diagnostic.

02 — ARCHITECTURE

Strategy Design

A coordinated plan across loans, insurance, investments and tax is drafted, defended internally against three stress scenarios, and presented as a single document with explicit trade-offs.

03 — EXECUTION

Capital in Motion

We move money, file paperwork, partner with vetted institutions and stand between you and every underwriter. Average loan closes in 6.2 days. Average policy binds in 48 hours.

04 — STEWARDSHIP

Recalibration

Quarterly review against your written plan. Markets, rates and life change — the plan changes with them, deliberately. The advisor who built it is the one who returns the call.

Loan Services

Lending, structurally sound.

From first home to fourth acquisition — loan products underwritten with the same patience whether the amount is $40,000 or $4,000,000.

🏠

Home Loan

Fixed, adjustable and jumbo mortgages for primary residences. Pre-approval in 48 hours, average close in 21 days, no lender-paid PMI tricks.

  • Conventional, FHA, VA, USDA
  • 10–30 year fixed & ARM
  • First-time buyer programs
🎓

Education Loan

Undergraduate, graduate and refinancing structures for existing student debt. Income-driven repayment modeling and tax-optimized refinance paths.

  • Federal & private consolidation
  • Refinance from 4.2% APR
  • Parent PLUS restructuring
💼

Business Loan

SBA 7(a), 504, term loans, lines of credit and equipment finance. We package the application, defend the projections, and stand between you and the underwriter.

  • SBA 7(a) & 504
  • Working capital LOC
  • Equipment & inventory
🚗

Auto Loan

New, used, lease buyout and refinance. Pre-arranged financing walks you onto the dealer lot with a check in hand — and a rate you have already stress-tested.

  • New & used vehicle
  • Refinance from 5.4% APR
  • Lease buyout financing
💵

Personal Loan

Unsecured personal credit for life events — relocations, medical, debt consolidation. Fixed term, fixed rate, no prepayment penalty, funded in 72 hours.

  • $5K – $100K unsecured
  • Debt consolidation
  • Fixed 3–7 year term
🏡

Mortgage Loan

Investment property, second home, cash-out and bridge financing. We structure the holding entity, the debt, and the exit — together, not in isolation.

  • Investment property
  • Cash-out refinance
  • Bridge & portfolio loans

Need a loan structured right the first time?

Pre-approval in 48 hours. Average close in 21 days. No application fee, no obligation to proceed.

Start Loan Application
Insurance Services

Protection, across every door.

Policies bound through vetted carriers, audited annually against the actual shape of your life — not the shape on a sales illustration.

🚗

Auto Insurance

Liability, collision, comprehensive and umbrella. We shop 14 A-rated carriers and structure limits around your real net worth — not the state minimum.

🩺

Health Insurance

ACA marketplace, private medical, short-term gap, and HSA-qualified HDHP. Employer group, spouse coordination and COBRA optimization.

🏠

Home Insurance

HO-3, HO-5, condo, renters and landlord. Extended dwelling cost, scheduled valuables and water-backup endorsements structured to your actual rebuild.

❤️

Life Insurance

Term, whole, universal and indexed. Ladder-structured term for young families, permanent coverage for estate liquidity, all carrier-rated A or above.

✈️

Travel Insurance

Trip cancellation, emergency medical, baggage and evacuation. Single-trip and annual multi-trip policies for frequent travelers and remote workers.

🏘️

Mortgage Insurance

Private MI, lender-paid MI and borrower-paid MI. We model the break-even against a piggyback second — and recommend the path that costs less over time.

⚰️

Burial Insurance

Final expense whole-life policies with simplified underwriting. Level premium, guaranteed acceptance paths, and immediate or two-year graded benefit options.

🐾

Pet Insurance

Accident and illness, wellness add-ons, hereditary and chronic condition coverage. We model the lifetime expected cost against premium for your breed and region.

🏢

Business Insurance

General liability, professional E&O, workers' comp, cyber and BOP. Key-person life, buy-sell funding and directors' & officers' for private boards.

Coverage gap you don't know about yet?

Free 30-minute insurance audit. We map every existing policy against your actual exposure and tell you — in writing — where the gaps are.

Book Insurance Audit
Investment Services

Growth, on evidence.

Portfolios built from academic research, not market commentary. Allocations defended against three stress scenarios before they are ever deployed.

Investment Management

Discretionary portfolio management across equities, fixed income, alternatives and real assets. Built on a globally diversified, evidence-weighted framework. Rebalanced on threshold, not calendar. Tax-loss harvested systematically. Quarterly performance attribution delivered in plain English — not jargon-laden marketing.

  • Globally diversified allocation
  • Quarterly attribution reporting
  • Systematic tax-loss harvesting
  • Threshold-based rebalancing

Stock Investment

Individual equity portfolios built around durable, cash-generative businesses — not narratives. Concentrated enough to matter, diversified enough to survive. Position-level thesis documents, written before purchase, revisited every quarter. Sell discipline enforced by rule, not by mood.

  • Quality-compounding equity mandate
  • Written thesis per position
  • Rule-based sell discipline
  • Direct indexing available

Gold Investment

Physical bullion, allocated storage, and structured gold exposure for portfolio ballast. Allocated accounts at independent vaults — counterparty risk disclosed, not buried in a prospectus. Position sized as insurance, not as a bet on nominal price.

  • Allocated physical bullion
  • Independent vault storage
  • LBMA-approved counterparties
  • Insurance included

Mutual Funds

Curated no-load, low-expense mutual fund families selected for factor exposure, manager tenure and after-tax return — not Morningstar rating. Active, factor-tilted and passive blended according to a written asset-allocation policy that survives market cycles, not headlines.

  • No-load, low-expense share classes
  • Active & passive blend
  • Tax-aware fund placement
  • Manager tenure screening

Portfolio due for a stress test?

Comprehensive portfolio review against current rates, inflation and your actual time horizon — delivered as a written report in five business days.

Request Portfolio Review
Other Finance Services

Every other line on the page.

The work that doesn't fit in a category — but always fits in the plan.

Wealth Management

Integrated net-worth stewardship across taxable, retirement, trust and business interests. Cash-flow modeling, concentration-risk reduction, and dynasty-grade planning for households above $5M.

Retirement Planning

401(k) rollovers, Roth conversions, SEPP distributions, RMD planning and Social Security timing optimization. Monte Carlo modeling against your actual spending — not a generic replacement rate.

Credit Score Repair

FCRA-compliant dispute process, authorized-user structuring, utilization optimization and a written 90-day improvement plan. We do not promise miracles — we execute the work that actually moves the number.

Debt Relief

Structured negotiation and settlement of unsecured debt, with creditor communications handled in writing. We coordinate with tax counsel on 1099-C exposure and rebuild credit in parallel.

Credit Card

Application strategy for premium rewards, business and rebuilding cards. We structure the application order to manage inquiry clustering and maximize approval probability across issuers.

Master Card

Pre-qualified MasterCard placements — personal, business, secured and premium tiers. We model rewards value against your actual spend categories, not against the issuer's marketing illustration.

Tax Planning & Estate Planning

Coordination with your CPA and estate counsel. Qualified business income, Roth conversion windows, gifting strategy, GRAT and trust structures. We do not replace counsel — we make their work coherent.

Auto Warranty

Vehicle service contracts from A-rated administrators. Exclusionary coverage, named-component coverage and powertrain-only structures. We read the contract so you don't have to discover the gap at the shop.

Digital Payments

Digital wallet integration, P2P payment structuring for households and small businesses, and cross-border remittance optimization. Fraud controls, virtual card issuance and spend analytics configured to your actual flow.

Pricing & Packages

Three tiers, no hidden load.

Fees disclosed in writing before any engagement begins. Choose by complexity — not by asset size alone.

Foundation
$250/ quarter

For individuals consolidating debt, planning a first major loan, or building the foundation of a long-term plan.

  • 90-min annual strategy session
  • Written loan & insurance diagnostic
  • Email support, 1 business day
  • Annual policy & rate review
  • Single named advisor
Choose Foundation
Growth
$750/ quarter

For families coordinating investment, insurance, and estate basics — across multiple accounts and tax positions.

  • Quarterly strategy sessions
  • Investment management (0.75% AUM)
  • Coordinated loan & insurance placement
  • Annual tax-planning coordination
  • Same-day business-hours response
  • Quarterly performance attribution
Choose Growth
Legacy
$2,400/ quarter

For business owners and high-net-worth households requiring comprehensive, multi-entity stewardship.

  • Monthly strategy sessions
  • Investment management (0.50% AUM)
  • Trust & estate coordination
  • Business lending & succession
  • Dedicated advisor mobile
  • Annual family wealth retreat
Choose Legacy
Service Booking

Book your strategy session.

A 90-minute structured intake. No fee, no obligation. We will tell you within five business days whether we can improve your position — in writing.

Booking request received. A named advisor will respond within one business day.
Client Reviews

Six households, in their own words.

Verified clients across six states. Each review is published with written permission and last-name initial only.

★★★★★

"We came to Capital Gain Prime with three fragmented accounts, two underperforming policies, and a mortgage we didn't understand. Eighteen months later the plan reads on a single page and we know what every dollar is doing. The patience is what sets them apart."

SC
Sarah C.
San Francisco, CA · Investment client
★★★★★

"SBA 7(a) loan closed in nineteen days. My advisor defended the cash-flow projections personally with the underwriter. That is not the service I was paying for — that was the service I was hoping existed. Found it here."

MT
Marcus T.
Austin, TX · Business loan client
★★★★★

"Their insurance audit found two gaps in coverage I didn't know I had — and one policy that was duplicating another. They restructured the entire stack, lowered my annual premium by $1,400, and increased my liability limits. Honest work."

ER
Elena R.
Miami, FL · Insurance client
★★★★★

"Refinanced our mortgage from a 6.8% ARM into a structured 30-year fixed with a HELOC reserve. Closed in 22 days, no surprises at the table. The advisor was on the call with the title company. That level of involvement is rare."

DK
David K.
Seattle, WA · Mortgage client
★★★★★

"I have worked with two other wealth managers over the last decade. Capital Gain Prime is the first that delivered a written investment policy statement, defended it under three stress scenarios, and then actually followed it during the last drawdown. Process over personality."

OB
Olivia B.
Boston, MA · Wealth management client
★★★★★

"Retirement plan rolled over, Roth conversion ladder built for the next four years, Social Security timing modeled against my wife's life expectancy. Every decision came with a written rationale. I finally understand my own plan."

JC
James C.
Denver, CO · Retirement planning client
Frequently Asked Questions

Eight questions, plainly answered.

If the question you have is not here, ask us directly — we publish the answer if it comes up more than once.

What services does Capital Gain Prime actually offer?
Loans (home, education, business, auto, personal, mortgage), insurance (auto, health, home, life, travel, mortgage, burial, pet, business), investment management (stocks, gold, mutual funds, comprehensive portfolios), and other finance services including wealth management, retirement planning, credit repair, debt relief, tax & estate planning, auto warranty and digital payments. We coordinate all of them under a single written plan.
Which states do you serve?
We are currently licensed to serve clients across 47 U.S. states from our Montana headquarters. A small number of states have specific licensing restrictions on certain insurance or lending products — we will tell you in writing whether we can take you on as a client within one business day of your inquiry.
What is the minimum required to begin working with you?
There is no asset minimum for the Foundation tier — many clients begin with a single loan or insurance audit and grow into comprehensive planning. The Growth and Legacy tiers are structured for households with more complex positions, but the door is open at any stage of the financial life.
How are your fees structured?
Quarterly retainer for advisory work (Foundation $250, Growth $750, Legacy $2,400), plus a clearly disclosed asset-management fee on invested portfolios (0.50–0.75% AUM depending on tier). Loan placement is compensated by the lender, not by you. Insurance commissions are disclosed in writing. No hidden mutual-fund loads, no steering commissions.
Are you a fiduciary?
Yes. We are legally bound to act in your best interest at all times. Every conflict of interest — real or perceived — is disclosed in writing before engagement. Insurance commissions, lender compensation, and any third-party compensation are itemized in your service agreement.
How long does loan approval typically take?
Pre-approval is issued within 48 hours of receiving a complete application. Average loan close is 21 days for mortgages, 6.2 days for personal and auto loans, and 19 days for SBA 7(a) business loans. Complex transactions — jumbo, investment property, business acquisition — may take longer and we will set that expectation in writing at intake.
Can I keep my existing insurance or investment provider?
In most cases, yes. We coordinate with existing custodians, brokerages, and insurance carriers rather than forcing a transfer. If a position is structurally inefficient — high expense, poor coverage, or counterparty risk — we will say so in writing and recommend a replacement. The decision remains yours.
What happens during the initial consultation?
A structured 90-minute intake that maps your full financial surface area — assets, debts, insurance, tax position, family structure and time horizons. Within five business days you receive a written diagnostic identifying three concrete improvements we can make. If we cannot identify three, we tell you that too — and there is no fee.
Contact Capital Gain Prime

Speak with a named advisor.

A real person answers the phone during business hours. After hours, the inbox is monitored — typical response is within one business day.

Phone
(406) 323-3299
Mon–Fri, 8am–6pm MT
Email
info@capitalgainprime.info
Response within 1 business day
Office
483 Old Divide Rd
Roundup, Montana 59072, USA
Hours
Monday – Friday
8:00am – 6:00pm Mountain Time
Message sent. We will respond within one business day.