Why Choose Us

Finding a financial advisor is simple. Identifying one who is truly independent, unbiased and on your side is another matter. At Phase Two Capital, we are proud to provide a truly client-focused approach, one that is reflected in our firm’s unique history and structure.

Freedom to Focus on You

Financial advisors frequently face tradeoffs between doing what is best for their clients and what is necessary to build their businesses. Phase Two is different. Founder David Banks has long been financially independent thanks to a successful corporate career, and he has used that freedom to create a business that is purely focused on helping our clients to succeed.

Independent Expertise

Phase Two Capital provides comprehensive financial planning and investing services for successful individuals and families. And we are structured to provide it in a truly client-centered way.

Most advisors are affiliated with a bank, insurance company or Wall Street firm—and they are routinely expected to push the products that are most lucrative for those parent firms. As fee-only advisors, we are compensated by, and answer to, our clients alone. That independence frees us to recommend the best solutions for our clients throughout the entire universe of investment products.

The Fiduciary Difference

We have chosen to structure our firm as a Registered Investment Advisor (RIA). RIAs meet a rigorous standard of client care known as the fiduciary standard. Like lawyers or doctors, we must work in clients’ best interests, and clearly disclose any potential conflicts of interest.

Advisors at Wall Street firms are almost always brokers—a polite term for salespeople, who earn commissions for selling investments. Not only is the brokerage/commission model inherently conflicted, but brokers are bound by a far weaker standard of client care than true advisors.

Every financial advisor claims to be on their clients’ side. But only those that back it up with a truly client-centric business model deserve your trust. At Phase Two Capital, our history and structure free us to pursue our great passion: doing everything we can to help you succeed.