We believe life is a collection of seasons, and just like with any changing season, priorities and needs vary throughout the course of one’s wealth journey. At Capital Financial Group, we assist individuals, families, and businesses through these transitions and help prepare them for what’s next.
We believe each client’s wealth journey can be separated into three distinct seasons – wealth protection, wealth accumulation, and wealth succession. Only by properly planning for all three can one pursue generational wealth and pass down the values that helped create it. Our dedicated team is focused on helping make these transitions as seamless as possible.
You can’t create generational wealth without thinking beyond your current day needs. Whether you’re a business, individual, or family, we’re behind you in your goal to leave things better for those ahead of you. Whether your succession plan includes passing on your business, passing on wealth, or philanthropic giving, we can help create a structured giving and communication plan that clearly defines your wishes, how to “give” in the most meaningful way, and ultimately, leave the legacy you desire.
Core tenets of our Wealth Succession plan:
You can’t create generational wealth without a well-thought out plan to grow and accelerate your assets. This includes growing your net worth today by continuously outpacing the cost of living through a disciplined investment philosophy, as well as using other wealth building vehicles such as life insurance and estate planning to expand your net worth for your benefit and those of your extended family.
Core tenets of our Wealth Accumulation plan:
Wealth protection should serve as the central foundation for what the rest of your wealth plan is based upon. You can’t grow wealth until you have a plan in place to protect what you already have. And to do that, families need to understand their wealth journey will not all be clear skies. It will go through days of sunshine, others of rain, and to give our clients the best chance for success, we need to adhere to a philosophy predicated on taking advantage of all these conditions to adequately protect what you’ve worked so hard to build.
Core tenets of our Wealth Protection plan:
David Ethell, LUTCFCEO
David has served as a trusted advisor to families and businesses since 1998. His passion for helping others succeed and seeing them happy, encouraged, secure, and completed led him to form David Ethell Insurance and Financial Services, Inc. in 2004. He also formed Capital Financial Group in 2009, a Financial Services Firm.
David is a qualifying and lifetime member of the Million Dollar Round Table (MDRT) (20 times)1. In addition, he has been recognized 14 times for his Top of the Table and the Court of the Table membership. These two distinctions place him among the top .1% of all financial advisors in the world.
He has spoken all over the world and is noted for writing numerous articles on industry best practices. David authored a book called “From Under the Table to Top of the Table” to help practitioners grow their practices. He holds the prestigious LUTCF designation from the American College and has served the financial service industry as the Government Affairs Chairman for Kern County. He has served on several international committees for the MDRT.
David received his Bachelor of Science degree from Cal Poly in 1987. He is married to Teresa, together they share three daughters, and live in Camarillo.
The joy in our business comes from experiences we have had with clients: who were hopeless about retirement and then became very hopeful after our meeting; from surviving spouses and employees of companies are comforted to know plans were made and funds are now available, and everything will be ok. We love working with future generations to provide not only the funding for education and liquidity but also having a role in seeing these values, legacies and companies come to fruition. Our business is a business of hope and optimism. Seeing dreams made and dreams fulfilled.
My father brought me into the business and I watched how he loved helping people. Today, I enjoy providing our clients peace and solutions from debt that might threaten their financial independence and future. Providing strategies for business owners who need to keep or retain key employees. Helping businesses provide benefits that are attractive to key employees. Provide peace and security to family from loss of income of a family member. Seeing clients be able to send their children to college is a joy for me. But most of all, we love seeing people see “a light at the end of the tunnel” – that moment where they realize all of their life’s work will align with their purpose and financial goals.
I am a credentialed minister. I take great pride in having served as an Elder, been a mission’s team leader and several other positions in the covenant community. I have led multiple mission trips to Latin and South America, most recently speaking in Jamaica, Peru, and Nicaragua. These experiences ignite and deepen my passion for helping others.
You might see me at the ocean on a paddleboard or at the lake with my family.
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