Business Details
Independent Financial Advisers in Encinitas
Stout Capital Management was founded with a clear vision to redefine wealth management through independence, transparency, and client-first principles. As a Registered Investment Advisor, we specialize in comprehensive wealth management services, combining cutting-edge technology with science-based investment strategies to deliver personalized solutions. Our team brings decades of combined experience in academia, tax planning, corporate finance, and financial planning, ensuring clients receive expert guidance tailored to their unique goals.We operate under a strict fiduciary oath, prioritizing client interests without commissions or sales charges, and act as a personal CFO to simplify complex financial decisions. With a focus on long-term relationships, we help clients navigate retirement planning, estate strategies, and intergenerational wealth transfer while maintaining a commitment to ethical, transparent advice.
Services
Wealth Management
Qualified Retirement Plans
Financial Planning
Investment Philosophy
3(38) Fiduciary Services
Highlights and features
- We operate under a strict fiduciary oath to prioritize client interests.
- No commissions or sales charges in our fee-only advisory model.
- 15+ years of experience in wealth management and financial planning.
- Combined 60+ years of expertise across diverse financial disciplines.
- Personalized service acting as your dedicated financial partner.
Services
Wealth Management
Our wealth management services integrate financial planning, portfolio management, and strategic guidance to help clients achieve long-term goals. We coordinate with accountants and attorneys to create holistic strategies for retirement, education funding, and intergenerational wealth transfer. Using evidence-based investment practices, we simplify complex financial decisions while maintaining a fiduciary duty to clients.
Financial Planning
We develop personalized financial roadmaps tailored to life stages, from newlyweds to retirees. Our process includes tax optimization, risk management, and cash flow analysis to address retirement, estate planning, and major life events. Plans evolve with changing circumstances while maintaining focus on your defined objectives.
Qualified Retirement Plans
We design and administer customized retirement plans for businesses, including 401(k)s and profit-sharing structures. Our fiduciary approach eliminates commissions, reduces fees, and provides institutional investment options. We handle administrative tasks while ensuring compliance and optimal plan design for business owners.
3(38) Fiduciary Services
We provide 3(38) fiduciary oversight for retirement plans, selecting and monitoring investment options to meet ERISA standards. This service protects business owners from liability while ensuring plan participants receive appropriate investment choices aligned with their risk tolerance and goals.
Investment Philosophy
Our investment approach combines modern portfolio theory with tax-efficient strategies to maximize after-tax returns. We use diversified allocations across asset classes, emphasizing low-cost institutional funds from providers like DFA and Vanguard to build resilient portfolios tailored to individual risk profiles.
People
Gary Stout
CEO/Founder
Gary Stout founded Stout Capital Management with a vision for independent, client-first financial advice. He brings decades of experience in investment management and financial planning, focusing on creating transparent solutions that align with client goals.
Tom Stout
President
Tom Stout oversees daily operations as President, leveraging his expertise in corporate finance and retirement plan design. He works closely with businesses to implement fiduciary-compliant retirement solutions while maintaining a commitment to client education and service excellence.
Questions
What services does Stout Capital Management offer?
We provide wealth management, financial planning, retirement strategies, and fiduciary services for individuals and businesses.
What does it mean to be a fiduciary advisor?
We legally commit to acting in your best interest, avoiding conflicts of interest or commission-based products.
Do you work with clients outside Encinitas?
While based in Encinitas, we serve clients nationwide through virtual consultations and digital tools.
How are your fees structured?
We use a transparent, fee-only model with no hidden charges or sales commissions.
Can you help with 401(k) plan management?
Yes, we design and manage customized qualified retirement plans for businesses.
