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Client Centered

Established 1994Financial Planning
With Purpose

Behind every financial goal is a real person with a real story. We take the time to understand yours before we ever put a plan in front of you.

What We DoGuidance You Can Count On.
A Team You Can Lean On.

Most people have pieces of a financial plan in place, but have never seen them working together as a whole. Retirement decisions, tax strategy, investment management, and healthcare planning are deeply connected, and when handled in silos, important details get missed. Our team brings all of those pieces under one roof and works together on your behalf, so nothing falls through the cracks and every recommendation takes your full picture into account.

Team-Based,
CFP®-Led Approach

Our advisors collaborate across the firm rather than work independently, which means every client benefits from the full depth of our team's collective knowledge and experience.

Independent
and Personalized

As a partner of LPL Financial, the largest independent broker-dealer in the country*, we have no proprietary products to push and no quotas to meet. Every recommendation is built around your specific situation and goals.

In-House
Medicare Expertise

Medicare is one of the most confusing parts of the retirement transition. We have specialists on staff who simplify and help guide you through the options so you can make confident, informed choices.

Advanced
Planning Tools

We use portfolio stress testing, scenario modeling, and sophisticated financial planning software to bring transparency and precision to every plan we build.

*As reported by Financial Planning magazine, 1996-2025, based on total revenue.

How We HelpA Full Range of Services.
One Coordinated Team.

Every service we offer is part of a larger, connected plan, not a standalone product. Our team works across each of these disciplines together so that decisions made in one area inform and support everything else.

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Financial Planning

Financial Planning

A comprehensive look at where you stand today and a clear, customized roadmap for where you want to go.

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Retirement Planning

Retirement Planning

A strategy built around your timeline, your income sources, and your lifestyle goals, so you can step into retirement with clarity and confidence.

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Investment Management

Investment Management

Portfolio strategy aligned with your goals, your timeline, and your real comfort with risk, monitored and adjusted as your life and the markets evolve.

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Financial Planning

Medicare & Social Security Guidance

Specialized support for two of the most consequential decisions in retirement, helping you choose the timing and coverage that make the most sense for your situation.

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Retirement Planning

Tax Planning

Proactive strategies to reduce what you owe throughout the year and in retirement, coordinated with your broader financial plan rather than treated as an afterthought.

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Investment Management

Insurance Planning

The right coverage does more than protect against the unexpected. Life, disability, and long-term care insurance each play a specific role in a sound financial plan, and our team helps you evaluate your options and identify any gaps that could put your goals at risk.

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Who We ServeThe Right Fit Matters. Here's Who We Serve Best.

We work best with clients who are looking for a comprehensive planning relationship, one where investments, taxes, income, cash flow, and long-term decisions are all coordinated as part of one integrated plan. That approach tends to resonate most with people who want more than isolated advice or single-account management. They want clarity, coordination, and a long-term partner who stays engaged as their life evolves.

We're typically not the best fit for those seeking standalone investment management or debt payoff planning alone.

Many of the families we serve also want help bringing structure to their day-to-day financial lives, particularly during retirement or significant transitions like the loss of a spouse or managing an inheritance. That can include hands-on support with cash flow decisions, financial organization, and steady guidance when life gets complicated.

You Might Be Thinking&#8230;<br/>If any of the following sounds familiar, there's a good chance we're a strong fit:

You Might Be Thinking…
If any of the following sounds familiar, there's a good chance we're a strong fit:

  • Can I actually retire when I want to, and stay retired without second-guessing every decision?
  • How do I turn what I've saved into income I can count on, without constantly watching the markets?
  • When should I claim Social Security, and how do I avoid leaving money on the table?
  • What Medicare setup actually makes sense for my health and my budget?
  • Am I being smart about taxes today and setting myself up for less friction later?
  • Is there a more efficient way to structure everything I've worked hard to build?
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The People We Commonly Serve:&#160;<br/>

The People We Commonly Serve: 

Pre-Retirees: Individuals within roughly ten years of retirement who are ready to shift from saving to strategizing.

Retirees: Those already in retirement who want a cleaner, more coordinated approach to income and taxes.

Widows and Widowers: People navigating financial decisions on their own for the first time after losing a spouse.

Families Balancing Competing Priorities: Households managing retirement planning, college funding, and long-term financial goals at the same time.

Business Owners in Transition: Entrepreneurs stepping back from their company who need help structuring and transitioning their wealth.

High Earners Seeking Clarity: People who have done well financially but want more coordination, structure, and confidence in how it all fits together.

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Client Testimonials

Our experience with the team at Capital Planning has been outstanding and far exceeded our expectations. They are smart, personable and provide excellent financial strategies to meet the goals for your future. Even more important, they have become friends that we trust immensely and very grateful for their impact in our lives.

- Billy D.

*This statement is a testimonial by a client of the financial professional as of {08/16/2023}. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.

Client Testimonials

We feel that the relationship we have with the Capital Planning Wealth Management team couldn't be better! For a number of years now, they have exceeded our expectations in navigating any and all financial concerns for retirement. Their friendly and engaging attitude towards us and our needs is exceptional. You can't help but feel like you are part of a family where your financial wellbeing is paramount. Besides their attention to our personal planning needs, we enjoy their social events that feature industry experts as guest speakers. We have total confidence knowing that our portfolio is in extremely qualified hands.

- Scott & Diane K.

*This statement is a testimonial by a client of the financial professional as of {05/22/2024}. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.

Client Testimonials

Imagine a team of individuals with stellar integrity, superlative skills and knowledge, and an interest in clients as whole persons. I am so appreciative of the responsiveness and professionalism of each staff person. My interactions consistently endorse the absolute trust and confidence I have in my advisors. I have recommended to many others. 

- Ursula C.

*This statement is a testimonial by a client of the financial professional as of {11/22/2024}. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.

Client Testimonials

Capital Planning Wealth Management's expertise and experience is unmatched in the financial services industry. Trustworthy, honest conversations to set you and your money up for long-term success. 

- Cheryl G.

*This statement is a testimonial by a client of the financial professional as of {12/20/2024}. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.

Who We AreA Family Practice with Deep Roots.

Founded in 1994 by David Bahnick and John Sullivan, Capital Planning has spent more than three decades building a team defined by specialization, collaboration, and a genuine commitment to the people we serve. With seven advisors and nine specialists working together across every client relationship, we bring both the breadth of comprehensive planning and the depth of focused expertise to every person who walks through our door.

The advisors of Capital Planning Wealth Management collectively manage over $900 million in assets for more than 800 households as of May 1, 2026.

32+YEARS OF EXPERIENCE

800+FAMILIES SERVED

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8 Timeless Principles of Investing

Pursuing a sound financial strategy doesn't have to be overwhelming. Download this guide to get some bite-sized pieces of timeless financial advice.

How We WorkA Clear Process. No Surprises.

Phase 1: Discovery and Planning

It starts with a no-cost discovery meeting where we get to know you and your situation. From there, through a series of collaborative meetings, we listen carefully, assess your full financial picture, and use advanced planning software to deliver clear projections and an actionable, personalized roadmap.

Phase 2: Ongoing Partnership

Over 95% of our clients continue with ongoing wealth management. With a transparent, tiered fee structure, we stay actively engaged through every life change, market shift, and major decision, so your plan always reflects where you are and where you're headed.

EducationProviding Knowledge As A Tool

We believe that an educated client is an empowered one. Browse our client learning center and take control of your financial future.

Can I Create a Roth if I&#8217;m Over the Income Limit?

Can I Create a Roth if I’m Over the Income Limit?

Use this article to start conversations about the “backdoor” Roth IRA strategy.
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The Sequence of Returns

The Sequence of Returns

A look at how variable rates of return impact investors over time.
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To Buy or Not to Buy

To Buy or Not to Buy

The decision whether to buy or rent a home may have long-term implications.
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Mortgages in Retirement

Mortgages in Retirement

Explore the benefits and drawbacks to paying off your mortgage prior to retirement with this article.
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Contact UsLet's Start With a Conversation.

There's no pressure and no sales pitch, just an honest conversation about where you are, where you want to go, and whether we're the right team to help you get there. Reach out today to schedule a complimentary introductory meeting.

Schedule a Discovery Meeting