About Us
Our simple, collaborative process includes a no-cost introduction, a customized plan, and ongoing coordination with your financial team—so you can focus on living your life.
We have put our firm in your shoes and asked what would be most valuable to know about us. Being devotedly committed utmost full disclosure, we have conjured up the size of our company by assets we oversee, the average client breakdown according to net worth and classification of person and, lastly, our process in serving you.
As of November 30, 2025, Christopher A. Panagiotu of CAPitalize Your Finances serves $166 million in brokerage and advisory assets through LPL Financial. Out of the $166 million, $116 million is personal client money and the remaining $50 million is company retirement plans.
If we include assets we oversee but do not directly manage (such as a illiquid real estate, 401(k) assets at current employers or stock options), we advise approximately $235 million.
Our average client has either owned or operated a business (or is currently doing so), a C-suite executive , tech employee athlete, or high net worth divorced women. In terms of net worth, the surface level advisor is on average of $2.2 million; however this includes children of clients who are just starting their financial adventure as well as family members that would otherwise not be efficient assets to qualify for our minimums. If we back this fact out, our true average client net worth is approximately $5 million.
In terms of our process, it is simple:
For new clients:
- Before your initial meeting with Christopher, please have with you CAPitalize Your Finances’s preliminary paperwork completed and either scanned and sent to the firm before or brought to the initial meeting. Please complete to the best of your abilities. We can assist in filling in gaps that may occur (which is common, so don’t feel overwhelmed or embarrassed if there are many blanks). The more you have completed, the more time your team will have to gather qualitative questions you may have, as well as get a feel in regards to how you best operate so we can serve you in the best way possible. Download the worksheet here.
- During your initial meeting, you and Christopher will get to know each other. There is no cost to this initial meeting. He will be asking many questions and gathering information to give you the answers you desire during your second meeting.
- During your planning meeting, Christopher will go over your custom plan in its entirety. He will also discuss the process of moving forward if you choose to do so, as well as what your ongoing services will look like so there are no surprises along the way. If you decide to proceed, this is the meeting where Christopher will also discuss the costs of your specific plan, as every client’s circumstance is different. CAPitalize Your Finances has the ability to charge in a multitude of ways to truly provide you with the most appropriate fee structure. Generally speaking, there is an ongoing fee for managing one’s portfolio, but occasionally it is in your best interest to charge a one-time commission so we can keep your costs down in the long run. It is not always in one’s best interest to always charge an ongoing fee, so our firm is obsessive on making sure your plan is as cost efficient as possible. We want to make it clear that we are not the cheapest, so if you are looking for the lowest cost option, there are plenty of other options out there, but as the saying goes “price is what you pay, value is what you get.” We pride ourselves on the value and when that is provided, the cost of working with use makes up for itself (and hopefully then some).
What our ongoing process looks like:
Typically we meet with clients on a quarterly basis. At least once a year, we go over your plan in its entirety and this meeting can be just as, if not more comprehensive than your original planning meeting when you decided to hire our firm. Every 90 days, you will either have a quick call with us (sometimes as quick as 10 minutes, other times it could be longer if there has been an important change) or you can come into our office if you wish, as we have clients that prefer in person due to living locally or even ones that prefer to fly in as they value our in-person time together. In between those check-ins, you have every right to give our firm a call or send an email at anytime with questions that arise, so don’t feel obligated to wait until our next meeting. We have structured this meeting process as it allows your team to stay on top of your situation best as possible while also staying out of your way to the best of our abilities. Our goal is to be as involved as possible while also not being a nuacence.
If you work with a CPA, we work with your CPA to provide proper tax documents during tax season so that you don’t have to worry about coordination. We also work with your CPAs throughout the year for ongoing tax management of your situation. If you do not have one but require one, we will match you with one of our professional partners.
If you work with an Estate Attorney, we work with your Attorney to coordinate your estate plan with utmost efficiency and care. Any updates or changes, we are privvy to due to the constant communication with your team.
The best part of these coordination efforts: we quarterback it on your behalf. You don’t lift a finger other than providing us permission to coordinate with respective parties. Betty takes care of the scheduling with all parties needing to be involved. Unless you need to be at this meeting directly, we are able to discuss your plan strategically and on an ongoing basis with our business partners to best serve you so you can get back to doing what you do best: living YOUR life.