Capital Insights Group of WNY is an independently owned financial planning and wealth management firm founded in 2016 by Christopher R. Cinelli and registered with the Securities and Exchange Commission. The firm offers both financial planning and investment management services, operating under a legal requirement to act in clients' best interests. Capital Insights Group of WNY creates custom financial plans covering savings, investments, cash flow, debt, income taxes, estate planning, and insurance analysis. Clients can hire the firm for a la carte project-based planning or comprehensive planning. Additionally, Capital Insights Group of WNY provides investment management services on both a discretionary basis (where the firm makes trades without asking first) and a nondiscretionary basis (where clients approve trades in advance). Portfolios may include mutual funds, exchange-traded funds, individual stocks and bonds, and cash equivalents. The firm works with individuals, families, small businesses, trusts, estates, and charitable organizations, typically focusing on clients with at least $250,000 in investable assets.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.00% |
| $1.0M - $3.0M | 0.50% |
| $3.0M - $5.0M | 0.40% |
| $5M+ | 0.30% |
Fees are applied at the household level. Cash management accounts are charged a separate annual fee of 0.10%. Fees are negotiable at the firm's discretion.