First Capital Sources delivers premium banking, lending, insurance, and investment solutions to individuals, families, and businesses across all 50 states — with the discretion of a private bank and the speed of modern fintech.
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Assets Under Management
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Clients Served Nationwide
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U.S. States Licensed
10k+
Client
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BBB Rated
99%
Retained
Forbes Recognized
Best Advisor
First Capital Sources began as a boutique advisory serving New England families. Today, we serve clients in all 50 states with a full suite of lending, insurance, investment, and payment solutions — all under one fiduciary roof.
To deliver transparent, fiduciary-first financial guidance that empowers Americans to build, protect, and transfer wealth across generations.
To become America's most trusted integrated wealth platform — where sophisticated financial services meet the warmth of a private banker.
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Client Satisfaction
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Advisors & Specialists
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Hidden Fees, Ever
We pair the rigor of a regulated financial institution with the responsiveness of a concierge — so you always know who to call, what you're paying, and where you stand.
CFP®, CFA®, and ChFC® credentialed advisors with an average of 27 years of experience — bound by fiduciary duty to act in your best interest, every time.
Most loan and credit decisions in under 60 seconds through automated underwriting — with same-day funding available for qualifying personal and business applicants.
Bank-grade 256-bit AES encryption, biometric authentication, FDIC-insured partner banks, and SOC 2 Type II audited infrastructure protecting every transaction.
Bespoke financial plans calibrated to your goals, risk tolerance, tax situation, and timeline — never off-the-shelf products or one-size-fits-all portfolios.
Live U.S.-based advisors available around the clock by phone, secure chat, and video — because financial questions don't keep business hours.
Fully licensed in all 50 states and D.C. — with regional advisors who understand local tax codes, property laws, and market conditions where you live.
Eight integrated service categories — expand any to explore sub-services with detailed descriptions, practical benefits, and compliance disclosures.
Access funds for life's important moments with First Capital Sources's personal loan solutions, designed for U.S. consumers seeking flexible financing without collateral requirements. Whether you're consolidating higher-interest debt, financing a major purchase, or covering unexpected medical expenses, our unsecured personal loans offer competitive fixed Annual Percentage Rates (APRs), predictable monthly payments, and repayment terms from 24 to 84 months.
We conduct a soft credit inquiry during pre-qualification so your FICO® score remains unaffected. Final APRs depend on creditworthiness, debt-to-income ratio, and loan amount. Loans are originated by our lending partners under applicable state law and federal regulations including the Truth in Lending Act (TILA) and Equal Credit Opportunity Act (ECOA). Funding is typically available within one to three business days of approval. There are no prepayment penalties, and we provide clear disclosures of all finance charges, fees, and total cost of credit before you sign.
Finance your primary residence, second home, or investment property with home loan programs tailored to the U.S. residential market. First Capital Sources partners with federally chartered lenders to offer conventional, FHA, VA, USDA, and jumbo loan products — each with transparent pricing and dedicated closing support.
Our advisors walk you through rate-lock strategy, discount points, and the Loan Estimate (LE) and Closing Disclosure (CD) required under TRID. We serve first-time homebuyers, growing families, and seasoned investors alike, with programs accepting as little as 3% down for qualified borrowers. Every loan is underwritten to Fannie Mae, Freddie Mac, or government-insured guidelines. Interest rates fluctuate with market conditions; your dedicated loan officer will provide a written rate quote and APR disclosure based on your scenario.
Refinance your existing mortgage to lower your interest rate, shorten your loan term, convert an adjustable-rate mortgage to a fixed rate, or tap accumulated home equity through a cash-out refinance. First Capital Sources's refinance platform provides side-by-side break-even analysis so you can see exactly when accumulated interest savings will offset closing costs.
We coordinate title searches, appraisals through AMCs compliant with the Home Valuation Code of Conduct (HVCC), and TRID-compliant disclosures. For homeowners with substantial equity, cash-out refinances up to 80% loan-to-value are available — funds can be used for home improvements, education, debt consolidation, or investment. All refinance loans are subject to credit approval, income verification, and property underwriting. Closing costs typically range from 2% to 5% of the loan amount and are disclosed in writing on your Loan Estimate within three business days of application.
Fund undergraduate, graduate, professional, or continuing education with private student loans and education refinance products designed to bridge the gap left by federal aid. First Capital Sources's education financing covers tuition, room and board, books, fees, and approved study-abroad programs at Title IV-eligible institutions across the United States.
Borrowers may refinance existing federal and private student loans into a single fixed- or variable-rate product, often reducing their APR by 1–3 percentage points. A creditworthy co-signer can improve approval odds and pricing; co-signer release is available after 24 consecutive on-time payments. We provide full disclosure of APR ranges, repayment options (immediate, interest-only, or deferred), and total cost of repayment. Federal student loans offer benefits private loans do not — including income-driven repayment and Public Service Loan Forgiveness — so we encourage borrowers to exhaust federal options first and consult our advisors before refinancing federal debt.
Power your company's growth with term loans, lines of credit, SBA 7(a) and 504 loans, equipment financing, and merchant cash advances — structured for U.S. small businesses, partnerships, and mid-market corporations. First Capital Sources's commercial lending desk works with founders, CFOs, and accountants to assemble the right capital stack for each stage of business.
Loan amounts from $25,000 to $10 million are available, with terms ranging from 6 months to 25 years depending on product and use of proceeds. We facilitate SBA Preferred Lender program applications, UCC-1 filings, and personal guarantee disclosures. Our advisors also coordinate with CPA firms on interest deductibility under IRC §163(j) and Section 179 expensing for equipment. All business loan applications require business tax returns, personal financial statements, and debt-schedule review — and we provide a written commitment letter specifying rate, fees, covenants, and closing conditions.
Finance a new or used vehicle — or refinance an existing auto loan — with competitive rates and flexible terms from 24 to 84 months. First Capital Sources's auto financing covers cars, light trucks, SUVs, motorcycles, RVs, and boats purchased from franchised dealerships, independent dealers, or private parties in all 50 states.
Pre-approval is available in minutes with no impact to your credit score, and our rate-match guarantee ensures you receive pricing competitive with captive finance companies and credit unions. We provide full disclosure of APR, finance charge, total of payments, and any dealer add-ons you choose to finance. For borrowers with adverse credit, our advisors explain how a co-applicant, larger down payment, or shorter term can improve pricing. Refinancing an existing auto loan may reduce your monthly payment or total interest paid — particularly when the Federal Reserve has lowered benchmark rates since your original purchase.
Protect your vehicle and your family with personal auto insurance that meets or exceeds the financial responsibility laws of your state. First Capital Sources compares quotes from a panel of A.M. Best A-rated carriers — including liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, and personal injury protection (PIP) coverages.
We help you choose appropriate deductibles, policy limits, and endorsements such as rental reimbursement, roadside assistance, and original-equipment manufacturer (OEM) parts replacement. Discounts are available for safe driving, multi-vehicle policies, bundling with homeowners insurance, telematics programs, and vehicle safety features. Our licensed agents explain how state minimum limits often fall short of protecting household assets and recommend higher liability limits or a personal umbrella policy when warranted. All policies are issued by licensed carriers in your state and are subject to underwriting guidelines, exclusions, and policy terms.
Secure comprehensive health coverage through employer group plans, the Affordable Care Act (ACA) Marketplace, Medicare, or private short-term and supplemental policies. First Capital Sources's licensed health insurance advisors guide individuals, families, and small employers through plan selection during Open Enrollment and Special Enrollment Periods.
We compare metal-tier (Bronze, Silver, Gold, Platinum) ACA plans, HMO vs. PPO networks, Health Savings Account (HSA) eligibility, and prescription drug formularies — and help you estimate total cost of care including premiums, deductibles, copays, and out-of-pocket maximums. Subsidy eligibility under the American Rescue Plan and Inflation Reduction Act is calculated automatically. For Medicare-eligible clients, we explain Parts A, B, C (Advantage), and D, plus Medigap supplement options. All plans comply with HIPAA privacy standards and ACA essential health benefits. Enrollment is completed through Healthcare.gov or carrier-direct platforms as appropriate.
Protect your most valuable asset with homeowners insurance tailored to your property's replacement cost, location, and risk profile. First Capital Sources's property specialists secure HO-1 through HO-8 policy forms, plus condo (HO-6), renters (HO-4), and landlord (DP-3) coverage from carriers rated A or better by A.M. Best.
Coverage includes dwelling, other structures, personal property, loss of use, personal liability, and medical payments to others. We coordinate endorsements for scheduled personal property (jewelry, art, collectibles), water backup, service line, and identity theft. For homes in coastal or wildfire-prone regions, we explain windstorm and hail deductibles, separate flood insurance through the NFIP or private carriers, and Fair Access to Insurance Requirements (FAIR) Plan options. We also review your policy annually to reflect home improvements, inflation-guard endorsements, and changes in local construction costs — ensuring your dwelling limit keeps pace with replacement value.
Private mortgage insurance (PMI) protects lenders when borrowers make down payments below 20% — and First Capital Sources helps you understand when it's required, how much it costs, and how to cancel it. Borrower-paid PMI (BPMI) is added to your monthly payment, while lender-paid PMI (LPMI) results in a slightly higher interest rate for the life of the loan.
Under the Homeowners Protection Act (HPA) of 1998, PMI must automatically terminate when your loan balance reaches 78% of the original property value — provided you're current on payments. You may request earlier cancellation at 80% loan-to-value with a satisfactory appraisal. For FHA loans, mortgage insurance premiums (MIP) follow different rules — upfront MIP plus annual MIP that may continue for the life of the loan depending on term and LTV. Our advisors model the trade-offs between BPMI, LPMI, single-premium PMI, and split-premium structures — and recommend the most cost-effective path based on your expected holding period and prepayment assumptions.
Provide for loved ones, fund buy-sell agreements, and create a tax-efficient legacy with term life, whole life, universal life, and indexed universal life insurance. First Capital Sources's life specialists calculate your human-life value, income-replacement needs, and estate liquidity requirements — then match you with policies from top-rated mutual and stock carriers.
Term life offers the lowest cost per dollar of death benefit for temporary needs such as income replacement during working years or paying off a mortgage. Permanent policies (whole, universal, indexed universal) build tax-deferred cash value and can be structured for tax-free retirement income through policy loans. We coordinate with estate attorneys to use irrevocable life insurance trusts (ILITs) to remove policy proceeds from your taxable estate. Underwriting classes — Preferred Plus, Preferred, Standard Plus, Standard, and Table ratings — are determined by health history, family history, lifestyle, and aviation or hazardous-activity disclosures. Medical exams, where required, are completed at no cost to you.
Shield your company from catastrophic loss with a tailored commercial insurance program. First Capital Sources's commercial team structures Business Owner Policies (BOP), general liability, professional liability (E&O), workers' compensation, commercial auto, cyber liability, directors & officers (D&O), and key-person coverage for U.S. small businesses and middle-market firms.
We perform a risk audit to identify property exposures, liability hazards, business-interruption risks, and employee-related exposures — then build layered coverage from admitted and surplus-lines carriers. For professional service firms, we secure E&O coverage responding to negligence claims arising from rendering or failing to render professional services. For technology and healthcare clients, we negotiate cyber liability policies covering data breach response, regulatory defense, and ransomware extortion. We also explain how an umbrella policy sits atop primary coverage to protect balance-sheet assets from jumbo verdicts. Certificates of insurance (COIs) are issued within one business day for contractors and vendors.
Cover final expenses — funeral, burial or cremation, headstone, and outstanding medical bills — with small face-value whole life policies designed for seniors and those with health conditions. Burial insurance (also called final expense insurance) typically offers coverage from $5,000 to $50,000 with simplified-issue or guaranteed-issue underwriting that requires no medical exam.
Guaranteed-issue policies accept applicants aged 50–85 regardless of health history, with a graded death benefit during the first two to three years — meaning natural-death claims return premiums paid plus interest during the grading period, while accidental death pays the full benefit immediately. Simplified-issue policies ask a few health questions and may offer immediate full coverage with lower premiums. We help families compare level, modified, and graded benefit structures, and explain how beneficiary designations bypass probate in most states. Policies build cash value that can be borrowed against in later years, and premiums are guaranteed never to increase. Coverage is issued by licensed life insurers in your state.
Protect your furry family members from unexpected veterinary costs with pet insurance covering accidents, illnesses, hereditary conditions, and routine wellness care. First Capital Sources partners with leading U.S. pet insurers to offer accident-only, accident-and-illness, and comprehensive wellness plans for dogs, cats, and exotic pets.
Most policies reimburse 70%–90% of eligible veterinary expenses after an annual deductible, with annual benefit limits ranging from $5,000 to unlimited. We explain the differences between per-incident, annual, and lifetime maximums, and help you choose reimbursement levels and deductibles that match your budget and risk tolerance. Coverage is available for puppies and kittens as young as 6–8 weeks, and senior pets with no upper age limit for accident coverage. Pre-existing conditions are generally excluded — but curable conditions may become eligible after a symptom-free waiting period. Riders are available for wellness exams, vaccinations, dental cleaning, behavioral therapy, and alternative treatments such as acupuncture and physical rehabilitation.
Travel with confidence using comprehensive travel insurance that covers trip cancellation, trip interruption, emergency medical expenses, medical evacuation, baggage loss, and travel delays. First Capital Sources offers single-trip, multi-trip annual, and specialty policies for cruises, adventure travel, and international relocation through A+ rated U.S. travel insurers.
Trip-cancellation coverage reimburses pre-paid, non-refundable expenses when you cancel for covered reasons such as illness, injury, death of a family member, jury duty, or employer-mandated work changes. Cancel-for-any-reason (CFAR) riders extend coverage to cancellations outside standard covered reasons — typically reimbursing 50%–75% of trip cost when purchased within 14–21 days of initial trip deposit. Emergency medical coverage pays for hospital stays, physician visits, and prescription medications abroad — and is essential since most U.S. health plans provide limited or no coverage overseas. Medical evacuation coverage transports you to the nearest qualified medical facility or back home when medically necessary. Pre-existing condition exclusions are waived when policies are purchased prior to final trip payment.
Build diversified portfolios with actively managed and passively indexed mutual funds from leading fund families including Vanguard, Fidelity, T. Rowe Price, American Funds, and Dimensional Fund Advisors. First Capital Sources's investment committee conducts quantitative and qualitative due diligence on more than 6,000 funds — screening for long-term performance, manager tenure, expense ratios, tracking error, and tax efficiency.
We construct asset allocations across U.S. large-cap, mid-cap, small-cap, international developed, emerging markets, real estate (REITs), commodities, and investment-grade and high-yield fixed income. For taxable accounts, we prioritize tax-managed funds with low turnover and qualified dividend exposure. Class A, B, C, I, and R share classes are evaluated to identify the most cost-effective option based on your investment amount and holding period. All mutual fund recommendations are made pursuant to the Investment Company Act of 1940 and are subject to a prospectus that fully discloses investment objectives, risks, charges, and expenses — which we encourage you to read carefully before investing.
Diversify with physical gold, silver, platinum, and palladium through First Capital Sources's precious metals desk — offering direct bullion delivery, IRA-eligible metals, and ETF exposure. Gold has served as a store of value for over 5,000 years and is widely used by U.S. investors as a hedge against inflation, currency debasement, and geopolitical risk.
For self-directed retirement accounts, we facilitate gold IRAs holding American Eagle, American Buffalo, Canadian Maple Leaf, and other IRS-approved bullion coins and bars — stored in insured depositories at Brink's, Delaware Depository, or IDS. For non-IRA investors, we offer physical delivery of bullion and numismatic coins, plus paper exposure through GLD, IAU, and PHYS exchange-traded products. We disclose all dealer markups, bid/ask spreads, and storage fees in writing — and recommend allocation of 5%–10% of a diversified portfolio to precious metals as a long-term hedge. Past performance is not indicative of future results; precious metals prices can be volatile and may decline in value.
Trade U.S.-listed equities and exchange-traded funds with $0 commissions on most products through First Capital Sources's brokerage platform. Access NYSE, NASDAQ, and AMEX-listed common stocks, preferred stocks, ADRs, REITs, MLPs, closed-end funds, and ETFs — plus options, bonds, and fractional shares for as little as $1 per trade.
Our equity research desk publishes fundamental analysis on more than 400 large- and mid-cap companies, with buy/hold/sell recommendations, fair-value estimates, and dividend safety scores. For long-term investors, we offer model portfolios of low-cost index ETFs calibrated to your risk tolerance — and tax-loss harvesting to offset realized capital gains. Margin trading is available for qualified accounts with Regulation T initial margin of 50% and maintenance margin of 25%. Securities trading involves risk, including the potential loss of principal. SIPC coverage protects against the failure of the brokerage firm — but does not protect against market losses. Investment objectives, risks, charges, and expenses must be considered carefully before investing.
Gain exposure to digital assets through regulated U.S. channels — including spot bitcoin and ethereum ETFs, futures-based products, and qualified custody solutions for direct holdings. First Capital Sources's digital assets desk focuses exclusively on SEC-regulated products, avoiding unregistered exchanges and offshore entities that have characterized much of the cryptocurrency industry.
For most clients, we recommend a strategic allocation of 1%–5% of investable assets to digital currencies through spot ETFs such as IBIT, FBTC, ETHA, and FETH — held within traditional brokerage and IRA accounts. For accredited investors seeking direct custody, we partner with qualified custodians regulated as trust companies under New York's BitLicense or Wyoming's Special Purpose Depository Institution framework. We provide full disclosure of volatility risks, custody arrangements, tax reporting (Form 1099-DA), and the substantial regulatory uncertainty that still surrounds digital assets. . We do not provide recommendations on speculative tokens, NFTs, or unregistered securities.
Delegate day-to-day portfolio management to a fiduciary advisor who builds, monitors, and rebalances your investments in alignment with a written Investment Policy Statement (IPS). First Capital Sources's discretionary management platform combines actively managed strategies with passive index building blocks — calibrated to your time horizon, liquidity needs, tax situation, and risk tolerance.
We employ institutional-class share classes, direct indexing, tax-loss harvesting, factor tilts, and ESG screens where appropriate. Quarterly performance reports benchmark your returns against relevant indices and gross-of-fee and net-of-fee figures — with full transparency into advisory fees (typically 0.50%–1.00% annually, declining with assets). Account minimums start at $250,000 for dedicated management; clients below this threshold are served through our robo-advisor hybrid at 0.30%. All advisory services are provided pursuant to a written advisory agreement and Form ADV Part 2A Brochure, available on the SEC's Investment Adviser Public Disclosure website. Investing involves risk, including possible loss of principal.
Transfer wealth efficiently to the next generation with comprehensive estate planning coordinated alongside your estate attorney and CPA. First Capital Sources designs strategies using revocable living trusts, irrevocable life insurance trusts (ILITs), grantor retained annuity trusts (GRATs), intentionally defective grantor trusts (IDGTs), charitable remainder trusts (CRTs), and dynasty trusts under applicable state law.
the federal gift and estate tax exemption is $13.61 million per individual ($27.22 million per married couple) — with a scheduled sunset to approximately $7 million after 2025. We help clients utilize annual gift exclusions ($18,000 per donor per recipient), direct payments for tuition and medical care (unlimited exclusion), 529 super-funding (5 years of exclusions in one year), and generation-skipping transfer (GST) tax planning. We coordinate beneficiary designations across retirement accounts, life insurance, and annuities — and review TOD/POD arrangements. For business owners, we partner on succession planning, valuation discounts, and installment sales to grantor trusts. First Capital Sources does not provide legal or tax advice; consult your attorney and CPA.
Identify, quantify, and mitigate financial risks before they become catastrophic losses. First Capital Sources's risk management process examines your exposure to market risk, interest-rate risk, inflation risk, longevity risk, sequence-of-returns risk, concentration risk, liability risk, and key-person risk for business owners.
We model scenarios using Monte Carlo simulations — projecting thousands of potential market paths to estimate the probability of meeting your goals under varying conditions. For retirees, we address sequence-of-returns risk through bucket strategies, dynamic withdrawal rates, and guaranteed income products such as immediate annuities and deferred income annuities (qualifying longevity annuity contracts, or QLACs, can defer RMDs on up to $200,000 of IRA assets). For concentrated stock positions, we employ exchange funds, charitable remainder trusts, and hedging overlays. For business owners, we coordinate key-person life insurance, buy-sell agreements funded with life insurance, and deferred compensation arrangements. We document all recommendations in a written risk assessment updated annually.
Plan for a financially secure retirement with comprehensive modeling of Social Security claiming strategies, pension elections, retirement account distributions, healthcare costs, and long-term care needs. First Capital Sources's retirement specialists work with pre-retirees 5–15 years from their target retirement date to optimize the transition from accumulation to distribution.
We analyze Social Security claiming strategies — including restricted application, file-and-suspend (where still available), spousal benefits, and survivor benefits — using break-even analysis to identify the optimal claiming age between 62 and 70. For defined contribution plans, we coordinate Roth conversions during low-income years, manage required minimum distributions (RMDs) under the SECURE Act 2.0 framework, and integrate Qualified Charitable Distributions (QCDs) up to $105,000 per year. Healthcare planning addresses Medicare premiums (including IRMAA surcharges), Medigap, long-term care insurance, and health savings accounts (HSAs) as a triple-tax-advantaged retirement account. We project sustainable withdrawal rates using the 4% rule as a starting point, refined for your asset allocation and life expectancy.
Minimize lifetime tax burden through proactive planning across investment, retirement, estate, and business contexts. First Capital Sources's tax-aware strategies include asset location (placing tax-inefficient assets in tax-deferred accounts), tax-loss harvesting, qualified dividend optimization, municipal bond allocation, and Roth conversion ladders.
For high-income earners, we coordinate backdoor Roth IRA contributions (nondeductible Traditional IRA contribution converted to Roth), mega-backdoor Roth contributions where 401(k) plans permit after-tax contributions, and Section 199A qualified business income (QBI) deductions for pass-through entity owners. We model the 3.8% Net Investment Income Tax (NIIT) threshold and time capital gains recognition accordingly. For charitably inclined clients, we recommend donor-advised funds (DAFs), Qualified Charitable Distributions from IRAs, and appreciated stock gifting to avoid capital gains tax on embedded appreciation. State-income-tax planning addresses residency changes, state-specific 529 deductions, and municipal bond selection. First Capital Sources does not prepare tax returns; all strategies should be reviewed with your CPA. Tax laws change frequently, and past results do not guarantee future outcomes.
Fund your children's or grandchildren's education with tax-advantaged 529 college savings plans, Coverdell Education Savings Accounts, custodial accounts (UGMA/UTMA), and education trusts. First Capital Sources's education planning specialists project future education costs at public, private, and elite institutions — then build savings plans calibrated to your funding goal.
529 plans offer tax-deferred growth and tax-free withdrawals for qualified education expenses — including tuition, fees, room and board, books, computers, and K–12 tuition up to $10,000 per year. Many states offer state income tax deductions or credits for 529 contributions to in-state (and sometimes out-of-state) plans. Under SECURE Act 2.0, up to $35,000 of unused 529 funds can be rolled to a Roth IRA for the beneficiary (subject to 15-year account age and annual contribution limits). We also explain financial aid impact — 529s owned by parents are assessed at up to 5.64% on the FAFSA, while grandparent-owned 529s no longer impact federal financial aid under the FAFSA Simplification Act. For students with special needs, we coordinate with special needs trusts and ABLE accounts.
Earn rewards, build credit, and finance purchases with First Capital Sources's suite of consumer and small-business credit cards — issued by partner banks under license from Visa, Mastercard, and American Express. Our card portfolio includes cash-back, travel rewards, balance transfer, low-APR, secured, and premium metal cards for high-net-worth clients.
Cardholders enjoy contactless payments, tokenized mobile wallet integration (Apple Pay, Google Pay, Samsung Pay), virtual card numbers for online shopping, zero-liability fraud protection, and 24/7 concierge service on premium tiers. We provide transparent disclosure of APRs (typically 18.99%–29.99% variable), annual fees, balance transfer fees, foreign transaction fees, and reward redemption rules — pursuant to the Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009 and Regulation Z. Credit card applications require a hard inquiry on your credit report and are subject to credit approval. We recommend paying statement balances in full each month to avoid interest charges, and we provide free FICO® score monitoring through our cardholder portal.
Carry your cards, loyalty programs, identification, and event tickets in a single secure mobile wallet. First Capital Sources's mobile wallet supports Apple Pay, Google Pay, Samsung Pay, Garmin Pay, and Fitbit Pay — tokenizing your actual card number so merchants never see your real account details during a transaction.
Tokenization replaces your card's Primary Account Number (PAN) with a unique device-specific token, dramatically reducing risk in the event of a merchant data breach. Biometric authentication (Face ID, Touch ID, fingerprint) is required for each transaction, and cards can be suspended instantly from your phone if your device is lost or stolen. We support in-store NFC tap-to-pay, in-app purchases, and online checkout through participating merchants. For small businesses, we facilitate acceptance of mobile wallet payments through EMV-compliant terminals and payment gateways. Wallet provisioning requires card activation and a one-time SMS or email verification. Mobile wallet transactions carry the same zero-liability protection as physical card transactions under federal Regulation E.
Send money instantly to friends, family, and small service providers with peer-to-peer (P2P) payments integrated into your First Capital Sources account. Our P2P service connects to Zelle, enabling real-time transfers between accounts at more than 2,000 participating U.S. banks and credit unions — typically within minutes.
For recipients whose bank doesn't support Zelle, payments are delivered within 1–3 business days via ACH. We support split bills, group payments, recurring transfers, and payment requests with notes and emojis. All P2P transactions are protected by multifactor authentication and our proprietary fraud-detection models, which flag unusual patterns in real time. We remind users that P2P payments are like cash — once sent, they generally cannot be reversed, so you should only send money to people you know and trust. Common P2P scams include impersonation of family members in distress, fraudulent buyers on marketplace platforms, and "accidental" refunds requesting return of funds. Our zero-liability policy covers unauthorized transactions reported promptly under Regulation E.
Accept online payments from customers worldwide with First Capital Sources's payment gateway for U.S. small businesses and e-commerce merchants. Our gateway supports Visa, Mastercard, American Express, Discover, ACH transfers, Apple Pay, Google Pay, and buy-now-pay-later (BNPL) options including Affirm, Klarna, and Afterpay.
Integration options include hosted checkout pages, embedded iframe fields, REST APIs, and pre-built plugins for Shopify, WooCommerce, Magento, BigCommerce, and Salesforce Commerce Cloud. Pricing follows interchange-plus models (interchange + 0.30% + $0.10 per transaction) with no monthly gateway fees for standard accounts. We provide recurring billing, subscription management, invoicing, and automated dunning for failed payments. Security is paramount — all transactions are processed through PCI DSS Level 1 certified infrastructure, with AVS, CVV, and 3D Secure 2.0 fraud-screening tools. Chargeback management tools, including representment services and Verifi CDRN alerts, help merchants dispute friendly fraud. Settlements to your business bank account occur within 1–2 business days.
Spend directly from your checking or money market account with First Capital Sources debit cards — issued by partner banks on the Visa or Mastercard networks. Our debit cards offer the convenience of credit cards without interest charges, with funds deducted from your linked account at the moment of purchase.
Cardholders receive instant transaction notifications, can set spending limits by merchant category, block international transactions, and freeze/unfreeze the card instantly from the mobile app. We support ATM withdrawals at more than 55,000 surcharge-free Allpoint ATMs nationwide, plus international withdrawals with a 1% foreign transaction fee. For business debit cards, we integrate with QuickBooks, Xero, and NetSuite to categorize transactions automatically. Overdraft protection is available via linked savings, credit card, or overdraft line of credit — with Reg E opt-in required for ATM and one-time debit card overdrafts. Debit card transactions are protected by zero-liability policies and the Electronic Fund Transfer Act (Regulation E), which limits consumer liability for unauthorized transactions reported within 60 days.
Automate bill payments and never miss a due date with First Capital Sources's integrated bill pay platform — supporting more than 11,000 U.S. billers including utilities, telecom, mortgage servicers, credit cards, insurance carriers, and HOAs. Schedule one-time, recurring, or e-bill-triggered payments from your checking or money market account.
Our intelligent bill pay aggregates electronic bills (e-bills) directly from participating billers, sends due-date reminders, and can auto-pay bills under a threshold you set. For billers that don't accept electronic payments, we issue paper checks on your behalf with postal tracking. Same-day and next-day bill payment options are available for time-sensitive payments, with expedited fees disclosed upfront. We provide a calendar view of upcoming payments, projected account balances, and alert you to potential overdrafts before they occur. For small businesses, our bill pay integrates with accounts-payable workflows for approval routing, dual-signature requirements, and 1099-MISC/NEC tracking at year-end. All bill pay activity is protected under Regulation E for electronic fund transfers.
Combine multiple high-interest debts — credit cards, personal loans, medical bills, and payday loans — into a single fixed-rate loan with one monthly payment. First Capital Sources's debt consolidation program helps U.S. consumers reduce weighted-average interest rates, simplify cash flow, and accelerate payoff timelines.
We conduct a free financial assessment comparing consolidation options: unsecured personal loans (typically 7.99%–35.99% APR), home equity loans and HELOCs (prime + margin), balance transfer credit cards (0% intro APR for 12–21 months), and 401(k) loans (with careful tax analysis). We model total interest paid under each scenario and identify the optimal path based on credit profile, home equity, and cash flow. Forbearance and hardship programs may be available from existing creditors before pursuing consolidation. We disclose all loan fees, prepayment penalties, and total cost of credit in writing prior to closing. Debt consolidation does not reduce principal owed and may extend repayment terms — increasing total interest paid in some scenarios. It is most effective when paired with budgeting and behavioral changes that prevent re-accumulation of debt.
Negotiate with creditors to settle unsecured debts for less than the full balance owed — typically 40%–60% of the original principal. First Capital Sources's debt settlement program operates in full compliance with the Federal Trade Commission's Telemarketing Sales Rule (TSR), which prohibits upfront fees for debt relief services.
Clients deposit funds into a dedicated FDIC-insured settlement account and, once sufficient savings accumulate, our negotiators engage creditors to reach lump-sum settlements. We charge fees only after a settlement is reached and accepted by the client — typically 18%–25% of the enrolled debt, paid over the program term. Settlement programs generally last 24–48 months and may negatively impact your credit score, as creditors typically will not negotiate with consumers who are current on payments. Settled debt may be reported as "settled for less than full balance" on credit reports for up to seven years, and forgiven debt over $600 is generally considered taxable income by the IRS (Form 1099-C). We recommend consulting a tax professional regarding potential tax liability. Debt settlement is not available for secured debts, federal student loans, or tax debts.
Understand your options under the U.S. Bankruptcy Code — including Chapter 7 liquidation, Chapter 13 wage-earner repayment plans, and Chapter 11 reorganization for businesses. First Capital Sources provides educational guidance and coordinates referrals to licensed bankruptcy attorneys in your jurisdiction; we do not provide legal advice or act as a debt relief agency under 11 U.S.C. § 528.
Chapter 7 bankruptcy discharges most unsecured debts within 3–6 months but may require liquidation of non-exempt assets — with exemption amounts varying by state. The Means Test (Form 122A) determines eligibility based on household income relative to your state's median. Chapter 13 bankruptcy allows individuals with regular income to repay debts over 3–5 years while retaining assets, including homes in foreclosure. Bankruptcy remains on credit reports for 7–10 years and may affect employment, housing, and insurance applications — but it also provides an automatic stay against creditor collections and a fresh start for many filers. Pre-bankruptcy credit counseling and post-filing debtor education courses are required from approved agencies under 11 U.S.C. § 111. We help clients evaluate alternatives — including debt consolidation, settlement, and creditor workout arrangements — before pursuing bankruptcy, and provide referrals to nonprofit credit counseling agencies approved by the U.S. Trustee Program.
Protect your kitchen and laundry appliances from mechanical failures with comprehensive home appliance warranty coverage. First Capital Sources's home warranty covers refrigerators, ovens, ranges, cooktops, microwaves, dishwashers, garbage disposals, trash compactors, washers, dryers, and freestanding ice makers — regardless of age, make, or model.
When a covered appliance breaks down, simply file a claim online or by phone 24/7. We dispatch a licensed, background-checked service technician to your home — typically within 48–72 hours — for a modest trade call fee (usually $75–$125 per claim). If the technician determines the appliance cannot be repaired, we provide replacement with a comparable model based on current retail value. Coverage is available for both owner-occupied and rental properties, and real estate transactions can include a one-year home warranty paid by either buyer or seller at closing. Plans exclude pre-existing conditions, cosmetic damage, improper installation, and appliances used for commercial purposes. Optional add-on coverage is available for pool and spa equipment, well pumps, septic systems, guest units, and stand-alone freezers. Coverage terms, deductibles, and claim limits are disclosed in your service contract.
Guard against expensive electrical system repairs with home warranty coverage for the components that power your home. First Capital Sources's electrical warranty covers main service panels, subpanels, breakers, fuses, wiring, outlets, switches, junction boxes, exhaust fans, doorbells, smoke detectors, and ceiling fans — addressing the failures most likely to disrupt your daily life.
Electrical repairs by licensed electricians typically cost $150–$500 per visit — and panel replacements can exceed $2,500. A home warranty transforms these unpredictable expenses into predictable service call fees of $75–$125 per claim. Coverage extends to both interior and exterior electrical components, including weatherheads, meter bases, and main service entrance conductors where applicable. We coordinate all permits and inspections required by local building codes. Coverage excludes knob-and-tube wiring, aluminum branch-circuit wiring (unless retrofit completed), solar generation systems, low-voltage landscape lighting, and decorative fixtures over $1,000 in value. Whole-house surge protection and EV charger installation can be added as optional riders. All work is performed by licensed, insured, and background-checked electricians in compliance with the National Electrical Code (NEC) and local jurisdiction requirements.
Eliminate the anxiety of plumbing failures with comprehensive home warranty coverage for your home's water systems. First Capital Sources's plumbing warranty covers interior water supply lines, drain lines, waste lines, vent pipes, toilets, sinks, faucets, shower valves, garbage disposals, sump pumps, water heaters, and main water shut-off valves — protecting against leaks, clogs, and component failures.
Plumbing emergencies can cause catastrophic water damage — a burst supply line can discharge 10 gallons per minute, with remediation costs exceeding $10,000. Our warranty covers diagnosis, parts, and labor for covered failures, with 24/7 emergency dispatch for active leaks. Water heater coverage includes both tank and tankless models, with replacement if repair is not economically feasible (typically capped at $1,500–$3,000 per unit). Coverage excludes sewer line replacements beyond the home's foundation, well pumps (available as add-on), septic systems (available as add-on), and damage from freezing when heat is not maintained. We recommend pairing plumbing coverage with our water leak detection smart-home device at discounted pricing — which can shut off water automatically when a leak is detected, preventing catastrophic damage. All plumbing work is performed by licensed plumbers in compliance with local plumbing codes.
Extend protection beyond your vehicle's manufacturer warranty with a vehicle service contract (VSC) from First Capital Sources — available for new, used, and certified pre-owned vehicles up to 200,000 miles. Our VSCs cover repairs to major vehicle systems including engine, transmission, transfer case, drive axle, suspension, steering, brakes, electrical, air conditioning, and high-tech components.
We offer four coverage tiers — Powertrain, Powertrain Plus, Mid-Level, and Exclusionary (Bumper-to-Bumper) — so you can match coverage to your vehicle's age, mileage, and your risk tolerance. Exclusionary contracts list only the components not covered, providing the most comprehensive protection similar to a new-car factory warranty. All VSCs are backed by A.M. Best A-rated insurance companies and are honored at any licensed repair facility in the United States, including dealerships, independent shops, and national chains like Pep Boys and Firestone. Claims are paid directly to the repair facility via corporate credit card — eliminating out-of-pocket costs beyond your deductible (typically $50–$250 per visit). Coverage includes 24/7 roadside assistance, towing, rental car reimbursement, trip interruption coverage, and tire road-hazard protection. VSCs are not insurance; they are service contracts and may be canceled for a prorated refund within the first 30 days.
Cover the most expensive mechanical failures with mechanical breakdown insurance (MBI) or vehicle service contract coverage targeting powertrain and major drivetrain components. First Capital Sources's mechanical breakdown protection covers engine internals (cylinder block, cylinder heads, pistons, connecting rods, crankshaft, camshaft, timing chain, oil pump), automatic and manual transmissions, transfer cases for 4WD/AWD vehicles, and front/rear differential assemblies.
Modern vehicle repairs are extraordinarily expensive — a single transmission replacement can cost $4,000–$8,000, and turbocharger or hybrid battery failures routinely exceed $5,000. Mechanical breakdown coverage transforms these unpredictable expenses into a predictable monthly payment, often $40–$100 per month depending on vehicle age, mileage, and coverage level. Policies typically exclude wear-and-tear items (brake pads, rotors, belts, hoses, wiper blades, filters), damage from lack of maintenance, modifications, racing, and commercial use. We require proof of completed manufacturer-recommended maintenance to validate claims — so we provide a digital maintenance tracker in our mobile app. Mechanical breakdown coverage is available for vehicles up to 15 model years old and 150,000 miles; older or higher-mileage vehicles may qualify for powertrain-only coverage.
Cap your out-of-pocket repair costs with structured repair-cost coverage that pays for parts and labor on covered failures — without the surprise bills that derail household budgets. First Capital Sources's repair-cost coverage pays the repair facility directly, so you simply pay your selected deductible ($50, $100, $250, or $0) and drive away.
Coverage limits range from $5,000 to unlimited per repair, with no aggregate lifetime cap on most tiers. Labor rates are reimbursed at the prevailing rate in your geographic area — typically $100–$175 per hour at dealerships and $80–$130 per hour at independent shops. OEM (original equipment manufacturer) parts are used where required by factory warranty; high-quality aftermarket parts are used elsewhere to control costs. Our claims process: (1) bring vehicle to any licensed repair facility; (2) facility diagnoses and submits claim via our portal; (3) claims adjuster reviews within 2–4 business hours; (4) approval issued and repairs begin; (5) facility is paid directly upon completion. Pre-authorization is required for repairs over $500. Coverage may be transferred to a subsequent owner for a small fee, increasing resale value. Cancel within 30 days for full refund; thereafter, prorated refund less a small administrative fee.
Real stories from real clients their experience working with First Capital Sources advisors.
Rachel M.
Software Engineer · California
"Aurelian restructured my equity compensation and RSU strategy in ways my previous big-box advisor never considered. The Roth conversion ladder alone saved me nearly $40,000 in projected taxes."
James T.
Marketing Director · New York
"From mortgage pre-approval to closing in 18 days — the Aurelian team handled everything. They even coordinated with my CPA on the SALT cap workarounds. Genuinely white-glove service."
Sandra P.
Business Owner · Texas
"As an S-corp owner, I needed someone who understood pass-through taxation and QBI deductions. My Aurelian advisor coordinated with my attorney and CPA to build a succession plan I actually understand."
Michael A.
Physician · Massachusetts
"After years of managing my own investments badly, I finally delegated to Aurelian. The fiduciary standard is real — they explained every conflict of interest upfront. My portfolio is finally aligned with my actual goals."
Yes. First Capital Sources is an SEC-registered investment adviser bound by the fiduciary standard under the Investment Advisers Act of 1940. This means we are legally required to act in your best interest at all times — not just at the moment of a transaction, but throughout the relationship. We are also members of FINRA and SIPC where applicable. Our Form ADV Part 2A Brochure, which discloses fees, conflicts of interest, and disciplinary history, is available on the SEC's Investment Adviser Public Disclosure (IAPD) website.
Dedicated wealth management with a personal advisor begins at $250,000 in investable assets. For clients below this threshold, we offer a robo-advisor hybrid platform at 0.30% annually with a $5,000 minimum. Self-directed brokerage accounts have no minimum balance. Loan, insurance, and payment products have no relationship minimum — you can apply for a mortgage or open a credit card without being an investment client.
We are a fee-only fiduciary — meaning our advisors are compensated through the advisory fees you pay, not through commissions on product sales. Wealth management fees typically range from 0.50% to 1.00% of assets under management, declining with account size. Insurance and lending specialists may receive salary-based compensation, never commission-based compensation that would create conflicts of interest. All compensation arrangements are disclosed in writing in our Form ADV Part 2A Brochure and your advisory agreement.
Cash held in First Capital Sources checking, savings, and money market accounts is held at our FDIC-member partner banks, providing up to $250,000 per depositor, per institution, per ownership category. Through our sweep network, eligible clients can access FDIC coverage up to $5 million by spreading deposits across multiple partner banks. Investment accounts are protected by SIPC up to $500,000 (including up to $250,000 for cash) against the failure of the brokerage firm — but SIPC does not protect against market losses.
First Capital Sources is registered or licensed in all 50 U.S. states and the District of Columbia for investment advisory services, and our insurance agents are licensed in all 50 states for property, casualty, life, and health insurance. Lending products are available in all 50 states subject to individual state licensing requirements; some loan products may not be available in certain states due to rate caps or other state-specific regulations. Please contact us to confirm product availability in your state.
Personal loan and credit card pre-qualification decisions are typically instant, based on a soft credit inquiry. Final approval after a hard inquiry usually takes 1–3 business days. Auto loan pre-approvals are valid for 30 days. Mortgage pre-approvals are typically issued within 1 business day, with final loan commitments following underwriting and appraisal (typically 21–45 days). Business loan decisions range from same-day for merchant cash advances to 5–10 business days for SBA 7(a) loans through our Preferred Lender partners.
We employ bank-grade 256-bit AES encryption for data at rest and in transit, multifactor authentication (SMS, authenticator app, biometric), device fingerprinting, and behavioral analytics that flag unusual login patterns. Our infrastructure is SOC 2 Type II audited annually and hosted in AWS GovCloud and US-East regions. Funds transfers above $10,000 require voice or video verification with a human advisor. We also offer optional hardware security keys (YubiKey) for high-net-worth clients. In the event of unauthorized access, our zero-liability policy covers 100% of verified losses reported within 60 days under Regulation E.
Schedule a complimentary 45-minute consultation. We'll listen to your goals, answer your questions, and outline a path forward — with no obligation.
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Last updated: January 1, 2026 · Effective immediately
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First Capital Sources · Attn: Privacy Office
4179 Ethels Lane
Lakeland, FL 33801
Email: privacy@firstcapitalsources.info · Phone: +1 201-499-9806
Last updated: January 1, 2026
By accessing this website or engaging First Capital Sources's services, you agree to these Terms & Conditions. You must be at least 18 years old and a legal resident of the United States to use our services. Specific products may have additional age, residency, or eligibility requirements. You agree to provide accurate, complete information and to update it as needed.
Information on this website is provided for general informational purposes only and does not constitute investment, legal, tax, or accounting advice. Advisory services are provided pursuant to a written advisory agreement and our Form ADV Part 2A Brochure. Past performance does not guarantee future results. Investing involves risk, including possible loss of principal. Insurance coverage is subject to policy terms, conditions, exclusions, and underwriting approval.
Advisory fees, lending rates, insurance premiums, and warranty contract prices are disclosed in writing prior to engagement. Wealth management fees are typically 0.30%–1.00% of assets under management, billed quarterly in advance. Loan APRs and finance charges are disclosed in writing pursuant to the Truth in Lending Act. Insurance premiums are quoted per carrier filings with state regulators. We do not charge hidden fees.
To the maximum extent permitted by law, First Capital Sources, its affiliates, officers, directors, employees, and agents shall not be liable for indirect, incidental, consequential, special, or punitive damages arising from your use of our services. Our aggregate liability for direct damages is limited to the fees you paid us in the 12 months preceding the claim. This limitation does not apply to damages caused by our gross negligence, willful misconduct, or violations of federal or state securities laws.
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These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to its conflict-of-laws principles. Federal securities laws and regulations apply to the extent they govern our advisory and brokerage activities. Any dispute arising from these Terms or your use of our services will be resolved in the state or federal courts located in Suffolk County, Massachusetts, except as provided in the Dispute Resolution section below.
Except for claims that may be brought in small claims court or claims seeking injunctive relief for intellectual property violations, all disputes will be resolved through binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules. You waive your right to participate in a class action or class-wide arbitration. Arbitration will be conducted in Boston, Massachusetts. The arbitrator may award the same damages and relief as a court. Judgment on the award may be entered in any court with jurisdiction. For FINRA member disputes, FINRA Dispute Resolution applies.